vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 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: NC

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
At settlement we, the sellers, were given a Payoff Statement and under 'Quote Detail ' there was Unpaid Principal, Interest Due, and " Fees Billed of '' {$5900.00}. We asked the company, Mr. Cooper, for a breakdown of those fees. They said it would take 2 weeks. I told them that one of their girls said she would have it in 48 hours. That was a week ago. That never materialized. In that " Fees Billed of '' we believe is a fee for XXXX ( 3rd party co. for Mr. Cooper ) for {$1500.00}. Mr. Cooper was supposed to register our property with our town when we got the mortgage 3 and a half years ago but they failed to do their due diligence and our property was tagged as a vacant lot by XXXX. We were anything but a vacant property. ( 4 bedroom house with a barbershop and a parking lot ). Several people I talked to at Cooper gave me different answers to the same questions. We are very suspicious of Cooper and believe they are trying to buy time to finagle the numbers. Even our title insurance co. is being very vague about the breakdown of fees. Honest Title Ins. was supposed to be working for us I presumed Apparently they are considering suing us because Cooper and XXXX XXXX worked out a deal where Cooper paid XXXX  's fees so they could turn around and sue us. For what? I'm not sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: NJ

Complaint narrative:
XXXX XXXX placed negative information on my report that doesn't belong to me

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 2019-03-07 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: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-07 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: NC

Complaint narrative:
Equifax is incorrectly reporting me 120 days past due on the XXXX, partial account number XXXX, reflecting a {$0.00} balance and {$0.00} past due amount. This negative reporting is hurting my credit score. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: F.H. Cann & Associates, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX from FHCANN & Associates contacted me in XXXX of XXXX and made me aware of a debt that I had for student loans. Prior to him contacting me I was not aware of an amount, or that I was in default. After XXXX spoke with me he and I made an agreement to set up an arrangement to get back in good standing with my student loans on an IBR program. The program that he advised me to get on was only {$5.00} a month for which he specifically stated would be a duration of 8 months. In the midst of our conversation I made XXXX aware that I would be filing taxes and specifically asked him, verbatim, if I had any kinds of garnishments against me with my student loans that I needed to be aware of. XXXX specifically told me no, that I did not have any garnishments. He also did not make me aware that I could " possibly '' be offset either if I did file my taxes. On XX/XX/XXXX I made my second payment and revisited the prior conversation in order to be sure that I would not be offset once I did file my taxes. On XX/XX/XXXX I was offset for the US Department of Education. I called FHCANN & Associates and asked to speak with a supervisor, and was given XXXX XXXX. He stated that there was nothing that could be done. I called again at XXXX PM the same day, and spoke with XXXX another supervisor, who stated that the call had been reviewed by XXXX and XXXX had came to the conclusion that nothing was said off script and that XXXX `` did '' make me aware that I would be offset, and that XXXX never confirmed that I would NOT be garnished. As I told XXXX, this is incorrect, and I wanted the call reviewed again. I also requested transcripts to which XXXX told me that FHCANN is not required to give me, however he stated that the call would be reviewed by a manager and that he would follow up with me in 1-2 business days. I would like to make a complaint based on the misrepresentation that XXXX made. From my understanding, XXXX is NOT a tax consultant, and therefore should not be answering tax related questions with definitive answers. I, the consumer, was also not made aware of the " possible '' offset which is a clear violation of FHCANN & Associates contract with the Dept. of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: AES/PHEAA
State: AZ

Complaint narrative:
XXXX XXXX is failing to process my re-certification for the IDR plan. I mailed, faxed and uploaded to their portal the IDR re-certification and included my most recent tax return in XX/XX/XXXX. They denied the application claiming they didn't have the required documentation and would not allow me to upload any documents and despite faxing and mailing it again they did not process the request. I resubmitted the application again on XX/XX/XXXX the day after they notified me that I had a new payment plan but there was no balance listed on the portal or in the paperwork. They denied the application again this time claiming it could not be processed because my payment was past due more than 15 days even though the alleged payment wasn't due until XX/XX/XXXX and I was not even informed of the payment amount until they denied the application on XX/XX/XXXX. So based on their own timeline, the basis for denying the application is erroneous. I immediately applied for forbearance but they claim it will take 10 days to review the request which will make me 30 days late and disqualify me from IDR loan forgiveness. This is bad faith, illegal, and they are intentionally causing people to default on student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XXXX and I did not open in XXXX, I. opened this account in XX/XX/XXXX. Also, they are reporting Lates Starting XX/XX/XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX Firm is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XX/XX/XXXX and I did not open in XX/XX/XXXX, I. opened this account in XX/XX/XXXX. Also, they are reporting Lates Starting XX/XX/XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.

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 2019-03-07 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: NJ

Complaint narrative:
XXXX XXXX placed negative information on my report that doesn't belong to me

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 2019-03-07 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: NJ

Complaint narrative:
XXXX collections placed negative information on my report that doesn't belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX  is reporting incorrect information on my account on my credit file. They are reporting the My account was opened in XXXX and I did not open in XXXX, I. opened this account in XXXX of XXXX. Also, they are reporting Lates Starting XXXX of XXXX, but My account wasn't opened until XX/XX/XXXX. This information they are reporting is not accurate and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: AZ

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on an account with the XXXX - partial account numbers XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: TX

Complaint narrative:
In XX/XX/2018, the XXXX XXXX XXXX  sent me unsolicited merchandise which I did not order in the form of some type of coin ( I had never even visited their website until recently to figure out if they were a scam ) and sent me a bill demanding payment of XXXX for this coin I did not order. I looked up my rights and found that Im at no obligation to return unsolicited merchandise and so I ignored their mails. I recently received a notice from North Shore Agency that this has been turned over to collections. I have a very good credit score and need to get this resolved. I did not order this merchandise do not want this merchandise and know that I rightfully do not owe them anything for sending me a coin that I never ordered. That said, Im happy to return their coin to them at their expense only. I found that another person has also reported the same issue on the Consumer Affairs website in XX/XX/2019 so I do not know how many people potentially find themselves in this position but wanted to make you aware of their unethical practice and need to know how to proceed? Thank you for your time and support in this matter, Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities  claim. 

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

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 2019-03-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
They placed me in forbearance and stated on my credit that the loan was deferred. I have served XXXX XXXX in the military and should not even have student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Despite having filed a complaint last year about receiving unsolicited marketing materials from Wells Fargo ( see # XXXX ), I keep getting them. Attached you will find copies of two such mails I got in the last two months. This despite having called them again last month requesting them to stop sending me such mail, and the many times in the last two-three years that I've called them about this.

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 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when i applied for a mortgage and was reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: AZ

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on an account with the XXXX - partial account numbers XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX, I was using XXXX  airport parking lot, when checking out, I slid my CITI XXXX Visa card. So the should only be one charge of XXXX {$5.00}, but my card got charged 4 times! 
I disputed through Citi card web site. But they ask me to send 4 letters to enclose receipts ( which there is no receipt ). detail explanation and send the letter back to them as well as my detailed exchange with the merchant. The process is so convoluted and I have to spend {$4.00} in total for postage to possibly get {$15.00} back. That is ridiculous.

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 2019-03-07 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrect information regarding an outstanding balance due on XXXX - account number XXXX. This account does not belong to me. I have contacted all 3 bureaus and XXXX has removed this item from my credit report, however Equifax and XXXX have not removed this item. This inaccurate reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
For the last 10 years have been paying granddaughters student loan as she is deceased. The lender tells me it doesnt matter that she is deceased as I am the co-signer. Students cant grt loans for college without co-signer I am on a fixed income

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: NJ

Complaint narrative:
I paid XXXX, XXXX, XXXX and XXXX in full

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 2019-03-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrect information regarding an outstanding balance due on XXXX  - account number XXXX. This account does not belong to me. I have contacted all 3 bureaus and XXXX has removed this item from my credit report, however XXXX and Transunion have not removed this item. This inaccurate reporting is harming my credit score.

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