vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-25 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: NY

Complaint narrative:
I have a problem with the way the credit bureau agencies calculated my credit report. Specifically I pay a monthly fee to keep track of my credit report with www.freecredit report.com which is related to Experian. I used to have an overall credit score of XXXX since XX/XX/XXXX ( above XXXX since XX/XX/XXXX ) I used to have a car loan for a car leasing that was set to expire on XX/XX/XXXX. The last installment was paid off on XX/XX/XXXX. Before the term of the expiration on XX/XX/XXXX, I got another car, leased with the same company. The problem was that last week on XX/XX/XXXX my credit score went down to XXXX ( 40 points less ) I called Experian and they explained that since I had paid off the leasing, the formula they use penalized me because I seem like a higher risk since I have not an auto/home installment loan in my report. I explained that In fact I ''traded ' my old car for a new one and that there is in fact a car loan in place. Since it was not in their system I had to call the car agency and after some research they apologized and said that for some reason the new leasing was not reported to the credit bureaus. They reported it and on Monday XX/XX/XXXX it showed up on my report with a bump of 5 points to XXXX. I called again on XX/XX/XXXX to Experian complaining that why would I be penalized 35 points in total since the only thing that happened was that I traded one car for another and that in fact basically the same amount of monthly payments was due. Again they said that there is nothing they could do, that I had to wait 24 months for my score to get back to where it was. They suggested that I call XXXX which is the national foundation for credit counseling. I called the XXXX and explained the problem. A counselor suggested that the only thing he could think off was to call the CFBP. I did and the person suggested that I could always file a complaint online. I decided that I was wrongfully drastically penalized in my credit score for no logical reason. The calculated credit score is harmful to me specifically since I may be requiring a home mortgage loan soon. So in the end I am filling this complaint in order to correct this unfair credit calculation.

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 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
O n  XX/XX/XXXX  I w ent to  Capital one.com I a pplied for a credit card. I had to send them additional documents to verify my ident ity three weeks later they approve my application a few days after that they closed my account because they said I use someone  else 's promotional code which I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I received a loan f rom Net Credit/NC Financial    XX/XX/XXXX . Payments were withdrawn in the amount of {$230.00} from my checking account monthly to avoid a late payme nt. In   XX/XX/XXXX , I  initiated a debt management company,  XXXX   XXXX   XXXX  to help lower my debt. They received approval from  Net Credit  to lower my payments from {$230.00} to {$140.00} a month. Payments were deducted from my account monthly and dispersed  to Net Credit. In  XX/XX/XXXX , I received an alert on my credit report stating I was 30 days past due. I contacted Net Credit to see w hy they contacted  XXXX  and stated I was late when my payments are sent directly to them. I was advised that although I was going through a debt management company and paying {$140.00} a month, I was still responsible for the additional {$86.00} per month and should have sent it to them. They started reported that I was late and I owe them a balance of {$250.00}. I told them that there was an agreement that they accepted with  XXXX   XXXX   XXXX  for {$140.00} a month and they were getting paid every month so I was not past due. She stated that I was correct but I am still obligated to the original contract for {$230.00} a month and they will not fix it. I also sp oke to a manager which they advised me of the same thing. I told the manager if this was an issue, then they should not have approved the payment plan for {$140.00} a month. She apologized and still said there  was nothing she could do. I contacted  XXXX   XXXX   XXXX  and requested a copy of the signed agreement and got it forwarded to me. I also made a dispute with   XXXX   to get the late payment removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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:
The credit agencies still have this account listed and per  XXXX  they requested it be removed. This has been listed and it needs to be removed

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 2017-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Accounts Research, Inc.
State: TN

Complaint narrative:
XXXX  the  Manager a t Accou nts Research, INC. se nt a letter to my job and called my work phone. I even told him I had a patient right in front of me and he continue to threaten me ... .. " Do you want me to serve you papers '' ; if you would respond to the letter I would not have contacted your job!       XX/XX/XXXX   Main campus in  XXXX   XXXX    XX/XX/XXXX    XXXX  called directly to m y job    XXXX   XXXX   XXXX   in  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I had to claim bankruptcy and w as discharged back in  XX/XX/XXXX . Af ter that we moved from  XXXX  to  XXXX .  XXXX   utility company was  included in this BK. This past month I get a collection on my credit report with   XXXX   XXXX   for {$560.00} with original creditor being  XXXX  and opened   XX/XX/XXXX . We   have not lived in   XXXX    ( wh ere  XXXX  is provided ) sin ce  XX/XX/XXXX a nd they were included in the Chapter  XXXX  bankruptcy. Their only contact was this collection put on our credit report. It states their information is   XXXX   XXXX   XXXX   XXXX     WA  XXXX . I ca n't even do a certified letter to them as they only have a  XXXX   XXXX   .

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 2017-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Someone was stolen my Identity and opened several credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: LA

Complaint narrative:
I am the victim of ongoing ID Theft and have several fraud items reporting on my EQUIFAX credit file that please need to be removed ASAP. Police Report has been sent to EQUIFAX several time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have banked with Wells Fargo for the past 8 years until they recently closed my account due to overdraft payments and account mix ups. Apart from being over sold different saving accounts for myself, my wife and even my son I was a happy customer up until the last 6 months. I recently went through a troubled period with my wife that led to me losing my job and also my wife opening her own account to rather than use our shared account at Wells Fargo. Everything came to a head when my wife and I worked things out and she asked Wells Fargo to close the account she had recently set up. Wells Fargo closed our joint account instead which led to problems with paying in funds to our joint account and being able to withdraw any monies that were already in there. From that moment on everything went into a spiral, late fees, missed payments on bills, credit cards and no real help from any of the tellers at my local branch. Eventually the correct account was closed and the other account reopened but the damage had been done. Now there 's a {$700.00} overdraft on the account which Wells Fargo have closed which of course hit my Credit Score hard. There 's also closed Wells Fargo Credit Cards one for {$300.00} and another for {$1500.00} that are all collecting large interest penalties while I try to recover from the mix up. I 'm now back in full time employment and able to take on a reasonable debt repayment program but feel Wells Fargo are partly responsible for the accumulated costs.

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 2017-07-25 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: Medical Data Systems, Inc.
State: TX

Complaint narrative:
This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my  XXXX  nor  XXXX  reports reflect this information. In fact, both show that as recently as  XXXX   XXXX ,    2017, the account was still reporting a {$360.00} balance owed and is still in collection status.      This account does not appear on my  XXXX  file.

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 2017-07-25 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: OR

Complaint narrative:
On XX/XX/16, Discover bank informed me about dispatch of new credit card with updated chip technology. On XX/XX/16 I found there were 4 charges on my account which I did n't make. The charges were : XX/XX/16 : XXXX XXXX ( XXXX CA ) - {$320.00} XX/XX/16 : XXXX ( XXXX CA ) - {$610.00} XX/XX/16 : XXXX ( XXXX, CA ) - {$620.00} XX/XX/16 XXXX ( XXXX XXXX XXXX, CA ) - {$810.00} The total amount of unauthorized charges was {$2300.00}. On the same day I reported Discover bank about it and froze the account and few days later I approached local police department ( Case : XXXX ). Bank did investigation on their part and held me responsible for the above charges because the new card was sent to my address and was activated on XX/XX/16 using my phone number. To prove my innocence I submitted my call records but they said that is n't enough and asking for proof like video footage of person who made those transactions. Fortunately, XXXX CA police managed to get video footage of the person making transaction of {$610.00} on XX/XX/16. In their report they described that person and mentioned that the person is n't me. ( XXXX : XXXX ) Even with all these proofs, Discover bank is holding me responsible for those unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: TX

Complaint narrative:
This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my Equifax nor  XXXX  reports reflect this information. In fact, both show that as recently as  XXXX   XXXX ,    2017, the account was still reporting a {$360.00} balance owed and is still in collection status.      This account does not appear on my  XXXX  file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25 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: TX

Complaint narrative:
This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my  XXXX  nor Experian reports reflect this information. In fact, both show that as recently as  XXXX   XXXX  , 2017, the accou nt was still reporting a {$360.00} balance owed and is still in collection status.     This account does not appear on my  XXXX  file.

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 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
The Lender has not correctly calculated the debt. The Lender is trying to foreclose on a debt that is false, and inaccurate. This is a violation of the Fair Debt Collection Practices Act. In addition, the misstated debt is incorrect as far back as 2006. The interest paid in 2006 XXXX- statements is misstated. Thus the current debt is off by many thousands of dollars. See the Certified Mail sent to Shellpoint Mortgage Servicing, as attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Transfinancial Companies is trying to collect that has not been verified nor validated. They do not have have my correct information and this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. After calling and disputing them on multiple occasions. I even sent a Multiple Inquiry Letter Removal. Equifax received my letter between X/XX/2017. I received an email saying my investigation was complete on X/XX/2017. I  received the attached file which all have same results " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : '' According to FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it 's files. The fact that I received a response the same day after the receipt of Equifax receiving, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, which is not the case. I am submitting this complaint due to the lack of investigation i to my original dispute for hard inquiries on my report that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. In regards to this issue and have not heard back from Equifax. I would like for the below inquiries to be deleted. XXXX XXXX ( with multiple inquiry dates ) XXXX XXXX ( with multiple inquiry dates ) XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: VA

Complaint narrative:
Wanted to remove inquiries from 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 2017-07-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Hello, I sent my payment in to Navient which was received on XXXX XXXX, 2017. I sent a letter with the payment, as I do every month, and specified which four loans were to be paid with the payment and stated that under no circumstances was any amount to be applied to any other loans. Instead, Navient applied the payment to five loans which are in default. This is in clear violation of my instructions and is also a blatant attempt to restart the clock on the statute of limitations for the five defaulted loans. This is illegal and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: CO

Complaint narrative:
I applied for a personal loan. After some back and forth I decided to withdraw my application. Their process was flawed and i lost faith in their ability to be on top of things. i asked them to remove my collected data from the application from their database. They refused. When i asked them to explain why they said it was against the Fair Credit Act rules and regulations. I asked them to send me the particular section relating to that, several times, and have heard nothing back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: GreenSky, LLC
State: WA

Complaint narrative:
An account was opened with Greensky Trade Credit by XXXX XXXX of XXXX XXXX XXXX. The account was in my name and was to be used for installation of a new roof on our home. I HAD NOT signed a contract with XXXX XXXX XXXX and was investigating all options of financing the roof. The account was approved for the amount of the project and only allowed to be used for XXXX XXXX XXXX. I did not sign an application, nor did I sign loan documents. It has since come to my knowledge that there are signed documents. I have requested those documents, as I did not sign them. They HAVE NOT been furnished by Greensky. On the day it was approved, XXXX XXXX asked me for my account number. I did not authorize him to access the account, and did not know that was his intention. I had not printed out loan documents and had not had the opportunity to read the very ambiguous language in the first line of their contract. When I provided XXXX XXXX the account number it was the wrong account number. I tried to use the same account number to log into the account, and was denied access. However, XXXX XXXX, using the same incorrect account number, was able to get into the account and took {$14000.00}. I contacted XXXX XXXX immediately upon this coming to my attention. He said he 'd " only asked for a dollar and was testing the system. '' Greensky denied that that was what XXXX XXXX had done. It took two weeks and a threat to report XXXX XXXX to the authorities before {$10000.00} was returned to the account. Greensky and XXXX XXXX decided to hold back the other {$4900.00} for materials, without asking if that is the monies I would be using for this project. XXXX XXXX knew why he was doing this, and as we subsequently came to find out, under one percent of the roof was installed correctly. We have leaks in the master bedroom, exhaust factors were not taken into consideration, our gutters were damaged, and the soffits were rebuilt with the wrong material and not painted. The roof needs a complete tear down and a new roof put on. XXXX XXXX left the job on XX/XX/XXXX, 2017, and has not returned to the project, nor tried to make remedies to these damages. I have been informed by XXXX, the shingle manufacturer that the roof was not installed per their application instructions and can not be warrantied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: KY

Complaint narrative:
I am attempting to FHA streamline refinance with Nationstar Mortgage NMLS # XXXX. They have changed the terms of the mortgage 4 times and fees etc stringing me along telling me it 's been approved or is pending final approval or must be finally re-approved. It does not seem like they are acting properly. Here is a recent email exchange, I sent a message saying " I have signed your third change of terms for the loan. If you try this a fourth time I will not be happy. ". They replied with a message saying " we had to make an adjustment to the rate, we had to lower the rate from 4.75 to 4.50 %, this is the adjustment that we have to do again today, because the 4.75 % rate does not benefit you. ". Yesterday they told me the 5 % rate does not benefit me so they had to lower it to 4.75 %. All I wanted to do mainly was remove my in-laws as co-signers and close the loan. Will this ever end?

Company response to consumer: Closed with explanation