vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: CA

Complaint narrative:
-XX/XX/XXXX Daughter begins XXXX University with a {$7000.00} unsubsidized {$5500.00} Subsidized loan -XX/XX/XXXX loan repayment stmt {$5900.00} -XX/XX/XXXX Congrats your unsubsidized loan is paid off -XX/XX/XXXX large payment made towards loan -XX/XX/XXXX large payment made towards loan -XX/XX/XXXX loan repayment stmt {$7500.00} ( showing a current balance {$2600.00} on a loan they said was paid off ) -XX/XX/XXXX loan repayment stmt {$7500.00} ( showing a current balance {$2600.00} on loan they said was paid off. 
-Summer XX/XX/XXXX student makes several phone attempts to resolve issues and is unable to make progress. She drops it. 
-XX/XX/XXXX student makes monthly payment -XX/XX/XXXX student makes monthly payment -XX/XX/XXXX student seeks parental help to figure out loan and gives permission for parent to have full access to loan w Ed Financial.Parent begins process with XXXX and Ed Financial to get tot he bottom of this. Ed 's numbers do not match XXXX so we patch XXXX on phone, its revealed that Ed 's numbers don't match NSLDS, XXXX, or COD. 
XX/XX/XXXX XXXX follows up with Ed tells me its okay to call and now make progress XX/XX/XXXX Parent calls, am given inaccurate numbers again, and am told someone will call back XX/XX/XXXXParent calls and am no longer given authorization to discuss matter so parent has student fax a letter of authorization so parent can handle account mainly because the run around, the delay, the time, makes it virtually impossible for a working woman to have success dealing with matter at hand. 
XX/XX/XXXX Parent has to wait for student to get off work to give another verbal approva for parent to discuss matter but Ed again passes off phone call to say a supervisor will have to handle but due to sups being thinned out there is no one to help. 
XX/XX/XXXX Parent calls early in am to try and reach a sup hoping they are not thinned out in the am. But no, on sups available. My 24 hour auth will run out, just like the faxed letter will take 3-5 business days for them to implement. Just like every phone call the student and parent have made, we continue to be put off, be given incorrect numbers that do not coincide with school, and its impossible to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Incorrect information reporting on my credit report

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 2020-02-13 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: TX

Complaint narrative:
I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high-interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX/XXXX. I have contacted the FTC and my local police department.

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 2020-02-13 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: TX

Complaint narrative:
I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high-interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX/XXXX. I have contacted the FTC and my local police department.

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 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
I had argued with XXXX XXXX  about the defective security system that they installed and would not let me out of the contract. The system was constantly being tripped by hackers and I received a bill of over {$3000.00} from the City of XXXX XXXX for Security Checks on an alarm system that was reported to the City.

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 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have a mortgage that originated on XX/XX/2019. Since that time I was NEVER late with any payments. However I had late fee of {$25.00} posted to my account. I called company several times and the answer was we can not do anything about it. I also called mortgage company that initiated my mortgage XXXX XXXX, and they tried to reach out to Mr. Cooper also multiple times, with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
We paid off our mortgage on XX/XX/2020 and was told our escrow balance would be refunded within 10 days. 
Now they are telling me it takes 60 days because they need to verify taxes and insurance have been paid this year! Insurance is due in XXXX and taxes are due in XXXX! 
This makes zero sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX AND US DEPT ED. I see a couple of inquiries as well that I don't know about as well XXXX/XXXX, XXXX, XXXX  XXXX, XXXX/XXXX. I have contacted the police and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I just got off the phone with GLESI, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: TN

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX AND US DEPT ED. I see a couple of inquiries as well that I don't know about as well XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX. I have contacted the police and the FTC.

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 2020-02-13 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: TN

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX AND US DEPT ED. I see a couple of inquiries as well that I don't know about as well XXXXXXXX, XXXX, XXXX XXXX, XXXX/XXXX. I have contacted the police and the FTC.

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 2020-02-13 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: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX XXXX, XXXX, Dept of Ed/XXXX,  XXXX, XXXX XXXX  and XXXX. I see a lot of people running my credit and I didn't know about this please take these inquiries off to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX Police and the FTC.

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 2020-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MN

Complaint narrative:
i had made an agreement to purchase two XXXX XXXX 's from XXXX. I was going to find a buyer for the second phone. XXXX would not sell just one phone at the time. I purchased two phones and listed the Second phone on XXXX. I had two buyers that bought the phones. The first buyer was out of the country when I selected the auction to be a US ONLY auction. This resulted in loss of sale. I listed the phone again and sold the phone to a second buyer and again the buyer was an out of country buyer. This again resulted in loss of sale. I finally went to XXXX/XXXX  to list the phone. The phone did sell for about {$500.00} dollars less than the first listing and I never received the proceeds.

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 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I just got off the phone with XXXX, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!

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 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I just got off the phone with XXXX, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I just got off the phone with XXXX, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!

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 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have asked for help more than 15 times and Transunion continues to refuse to assist me, instead choosing to harass and mistreat me, mostly by talking over me constantly, but also by asking me questions I am unable to answer, and refusing to answer any of my questions. 
I simply wish to resolve whatever issue prevents me from filing disputes online so that I can handle this business online, and not be subjected to the harassment and abuse of their telephone reps.

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 2020-02-13 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: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX  XXXX, XXXX, Dept of Ed/XXXX    XXXX, XXXX XXXX and XXXX. I see a lot of people running my credit and I didn't know about this please take these inquiries off to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX Police and the FTC.

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 2020-02-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX XXXX, XXXX, Dept of Ed/XXXX    XXXX, XXXX XXXX and XXXX. I see a lot of people running my credit and I didn't know about this please take these inquiries off to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX Police and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
hello in XXXX i tool out a personal loan, about 5-6 months later i lost my job.. 

well when i got a new job a couple months later i tried to work with them on saving this account and they was rude and talked down on me so i decided to have my attorneys deal with then.. XXXX XXXX XXXX at the time.. 

but i been trying to figure our and my my score dropped dramatically in XX/XX/XXXX i just found out by equifax that they keep reporting and sending different information. 
this account was opened in XXXX yet they state it was opened in XXXX also they changed the closed date so no it shows open they keep sending charge offs every month making a huge impact on my credit report.. 
i have been disputing multiple times and no justice. i just spoke with transuinoin today and was told they can see inaccurate information but they do not have the power to change it.. they also say they do not get documents proving any data, they simpley send the request to the issuer and they rely on there words..

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 2020-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX I went to sun trust bank with my tax refund check to open an account the keep the check after few days I recieve a note that the check is on hold and the close the account because I don't qualify. my question is why they still keep my check I'm NOT costumer of sun trust I need my money that is my kids money again if I don't qualify to open account why sun trust bank still hold my check. this is not professional.

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 2020-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After recently reviewing my credit reports I discovered that your company is inaccurately reporting unauthorized inquiries to the credit bureaus. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) the only permissible purpose for pulling a consumers credit is : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I did not grant you  authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of any credit application authorizing the disclosure of my credit reports with my signature, I will accept the inquiry. 

If a signed authorization can not be found please DELETE any/all inquiries from my credit reports that you're inaccurately reporting to the credit bureaus. 

The presence of any inaccurate information can adversely affect my credit and its reporting is a violation of the FCRA. Furthermore, it is impeding my ability to obtain necessary credit. 

Please mail me a verified copy of the signed application or a letter indicating your intention to delete the inquiry. 

Note : Verification in the legal context refers to a declaration under oath or upon penalty of perjury that a statement or pleading is true. 

As time is of the essence I hereby request your prompt attention and assistance in resolving this matter. 

Date of Inquiry in question : XX/XX/2020

Company response to consumer: Closed with explanation