vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Hello and thank you for taking the time to review my issue. 

I have been struggling to have my federal student loan consolidated for over 4 years now with multiple late payments resulting on my credit score. I am currently paying on the Great Lakes Stafford Loans ( serviced by NelNet ) separately from the rest of my student loans as a result of their refusal to consolidate even after multiple requests and applications for them to do so. I am attaching record of my consecutive late payments on my credit report resulting from my struggles stemming from this issue with Great Lakes and severe health issues that my father underwent during that time which forced me to relocate and assist my family. At this time I am struggling to pay my car loan that sits at a 19 % rate, my credit cards and other debt that is feasting on me with high interest rates due to the derogatory marks from my student loans. Please, if there is anything you guys can do to assist I would be forever grateful. I have not gone late since this past streak on any of my credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Submitted request for mortgage modification, I got behind on my payments because of my employer reducing my hours to part time hours. I'm now working 40 hours a week and can make the house payments. Received property foreclosure notice for sale of my house XX/XX/2019. The State of Tennessee law is the homeowner is to receive 30 day notice prior to a property foreclosure sale. I did not receive the notice 30 days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I just learned by XXXX XXXX that I have a new harmful collection data in my Credit Reporting Agencies, and I don't even know that company. 

I never received any previous communication from this company. How come they destroy my credit score when I don't even know what's going on. 
It should be retrieved from all reports immediately. 
I never saw such a thing ; I'm asking myself if It is just discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't recognize this inquiries, i never applied for this companies. I never get any service from this companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I don't recognize this inquiries, i never applied for this companies. I never get any service from this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian emailed me notifying of a change of email. I tried to log in to my account and was locked out. The fraudulent email address now has access to my account. I contacted Experian and was not able to speak to a rep to clear this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Moore Law Group
State: CA

Complaint narrative:
This is a debt collection agency. I have received numerous harassing calls from them and a threatening letter of intention to sue me after I asked them via certified mail which they received on XX/XX/XXXX, to validate the debt is mine. All I've received are statements that anyone can make up. I have not entered into any contractual agreement with this company ever, and I've asked them to send me proof that I owe them anything as I do not know them. I'm asking for a copy of the original contract that showed I agreed to pay them what they say I owed them, along with my signature and a complete accounting from XX/XX/XXXX - XX/XX/XXXX. Under the fair debt collection practices act, 15USC 1692g Sec. 809, your claim is disputed and validation is requested. I've also asked you to provide me with your license numbers and Registered Agent which I have also not received from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I am being robo-called repeatedly by the number XXXX attempting to collect a fake debt. 

This is a scam caller and needs to be reported to authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I disputed 2 public records that were appearing on my Experian credit report. My repeated disputes have gone unresolved since XXXX of this year. I am now requesting further assistance from an outside source. I am requesting to have two public records immediately removed from credit file. Experian originally deleted the two public records on XX/XX/19 from my credit file. However on XX/XX/19, both public records were reinserted without the proper legal notice being mailed to me. Per FCRA Section 611, if any information has been deleted from a consumers file is reinserted, a consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion that the information was reinserted. I was not indicated via mail nor electronic delivery that the two public records were reinserted. I have been disputing this information every 30 days since XXXX and I have gotten no where. In fact I have spoke to several Experian dispute resolution specialists, who each give significantly different responses pertaining to the investigation. I feel as if the consumer reporting agency, Experian is purposely not removing incorrect information. This is discrimination and illegal.This is causing significant damage to my credit file and my ability to obtain credit. I am requesting to have both bankruptcies, chapter XXXX and XXXX removed, in addition to all accounts that are associated with the bankruptcies, to be removed. My reason to dispute this is that all the information appearing on my credit file pertaining to the public records is false. The address to the court house in XXXX District of TN is incorrect, the case number is not a valid case number and Experian sent fraudulent investigation results via mail stating they verified via directly with Court, who sent a response denying such. I contacted the XXXX County Bankruptcy Clerk here in XXXX, TN who indicating that the bankruptcy court can not report any information to the credit bureaus as it is illegal. Thus, I can not believe any information that Experian sends as a part of my re investigations, because they have used illegal practices. Please require Experian to remove the bankruptcies immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX  is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX  Transunion or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
RE : XXXX XXXX Thank you for your last response and extention of time until XX/XX/XXXX. 

One last point of clarification, can you please comment on the legality of transfering negative equity from one party ( single owner ) to an entirely another party ( single owner )? 

{$13000.00} which you claim needs to be paid in full by XXXX Car Purchase price {$35000.00} You claim the vehicle was sold for {$30000.00}, how much was the XXXX XXXX  sold for that was received for this purchase? 

You received {$2000.00} cash for this buy contract for which you breached Difference of $ XXXX {$2000.00} = {$3000.00} Negitive equity recorded was {$12000.00} which should not be reported on my credit report and actually should be recored to the owner of the debt. I can not purchase debt, this would not be a legal purchase contract, and youve now since cancelled the contract. 

The XXXX XXXX in a 3rd party name ( other than myself ) was sold for a profit by your company. 

Would you now return the original vehicle ( XXXX XXXX ) involved in this purchase to its buyer which was not me? Since the XXXX XXXX was voluntarily surrendered under the understanding the Chapter XXXX agreement would be honored, we would have asked for the vehicle to be returned and hold the position it was sold prematurely and prior to the outcome of the chapter XXXX. There should be consideration of these other factors involved. 

We had every intention of using a vehicle as we are a 2 vehicle family and this brought us down to 1 vehicle. We subsequenly purchased another XXXX to replace this vehicle and have even purchased another XXXX since then with both accounts in good standing with one vehicle paid off entirely and another with on-time payments and have records showing this intention. 

Please let me know your stance on the final debt you believe should be reported on my credit as I have included the original breached contract and can included additional documentation as necessary. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX  is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX  XXXX  or Equifax. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if Experian is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by Experian XXXX  or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I never authorized wells fargo to allow charges to go through when i use my debit card or for automatic billings, they have been arbitrarily picking and choosing charges to accept then hitting me with overdraft fees, i never opted in to this option and feel im owed back several dollars from the bank for the headache and stress it causes to have to move money or borrow money just to cover overdraft fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
RE : XXXX XXXX Thank you for your last response and extention of time until XX/XX/XXXX. 

One last point of clarification, can you please comment on the legality of transfering negative equity from one party ( single owner ) to an entirely another party ( single owner )? 

{$13000.00} which you claim needs to be paid in full by XXXX Car Purchase price {$35000.00} You claim the vehicle was sold for {$30000.00}, how much was the XXXX XXXX  sold for that was received for this purchase? 

You received {$2000.00} cash for this buy contract for which you breached Difference of $ XXXX {$2000.00} = {$3000.00} Negitive equity recorded was {$12000.00} which should not be reported on my credit report and actually should be recored to the owner of the debt. I can not purchase debt, this would not be a legal purchase contract, and youve now since cancelled the contract. 

The XXXX XXXX in a 3rd party name ( other than myself ) was sold for a profit by your company. 

Would you now return the original vehicle ( XXXX XXXX ) involved in this purchase to its buyer which was not me? Since the XXXX XXXX was voluntarily surrendered under the understanding the Chapter XXXX agreement would be honored, we would have asked for the vehicle to be returned and hold the position it was sold prematurely and prior to the outcome of the chapter XXXX. There should be consideration of these other factors involved. 

We had every intention of using a vehicle as we are a 2 vehicle family and this brought us down to 1 vehicle. We subsequenly purchased another XXXX to replace this vehicle and have even purchased another XXXX since then with both accounts in good standing with one vehicle paid off entirely and another with on-time payments and have records showing this intention. 

Please let me know your stance on the final debt you believe should be reported on my credit as I have included the original breached contract and can included additional documentation as necessary. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
I disputed 2 public records that were appearing on my XXXX  credit report. My repeated disputes have gone unresolved since XXXX of this year. I am now requesting further assistance from an outside source. I am requesting to have two public records immediately removed from credit file. XXXX  originally deleted the two public records on XX/XX/19 from my credit file. However on XX/XX/19, both public records were reinserted without the proper legal notice being mailed to me. Per FCRA Section 611, if any information has been deleted from a consumers file is reinserted, a consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion that the information was reinserted. I was not indicated via mail nor electronic delivery that the two public records were reinserted. I have been disputing this information every 30 days since XXXX and I have gotten no where. In fact I have spoke to several XXXX  dispute resolution specialists, who each give significantly different responses pertaining to the investigation. I feel as if the consumer reporting agency, XXXX  is purposely not removing incorrect information. This is discrimination and illegal.This is causing significant damage to my credit file and my ability to obtain credit. I am requesting to have both bankruptcies, chapter XXXX and XXXX removed, in addition to all accounts that are associated with the bankruptcies, to be removed. My reason to dispute this is that all the information appearing on my credit file pertaining to the public records is false. The address to the court house in XXXX XXXX of TN is incorrect, the case number is not a valid case number and XXXX sent fraudulent investigation results via mail stating they verified via directly with Court, who sent a response denying such. I contacted the XXXX County XXXX XXXX here in XXXX, TN who indicating that the bankruptcy court can not report any information to the credit bureaus as it is illegal. Thus, I can not believe any information that XXXX sends as a part of my re investigations, because they have used illegal practices. Please require XXXX to remove the bankruptcies immediately.

Company response to consumer: Closed with explanation