vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 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 had 7 student loans that were paid in full on XX/XX/. XXXX XXXX XXXX sent an update to the credit bureaus to reflect that the account was paid in full. On Experian an additional piece of information was recorded. A " Failed to Pay '' was recorded forXX/XX/XXXX which was in error. I called the XXXX XXXX XXXX to ask them to fix the incorrectly reported item and they said they don't report payment history and that the error is with Experian. 

I called Experian and explained the issue and they created a dispute but to confirm balance and status and XXXX XXXX XXXX confirmed the info was accurate. Because Experian did not dispute the payment history it was not corrected. I wrote Experian a letter explaining again that I was disputing the payment history for XX/XX/XXXX Again they created a new dispute but only for balance and status and again XXXX XXXX XXXX confirmed. 

The issue is that a Failed to Pay was incorrectly recorded for XX/XX/. Experian is not disputing the correct information with the XXXX XXXX XXXX and so its not getting corrected. My score has already dropped over 60 points due to this error and I'm in the middle of escrow. I have copies of the letters and letter tracking that I mailed to both Experian and XXXX XXXX XXXX. I can't get either one to  correct the error.

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 2018-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sunset Management, Inc
State: GA

Complaint narrative:
Sunset Finance, XXXX XXXX XXXX XXXX # XXXX, XXXX, SC XXXX mailed a live check in the amount of {$1000.00}. 
The " Pay To ... '' is XXXX XXXX, an ill and elderly family member. He is in his late XXXX. 

It is drawn on XXXX XXXX XXXX with check # XXXX. Dated XX/XX/2019. Expiration Date is XX/XX/2019. 

Mr. XXXX ( XXXX ) could owe this money if some low life picked it from the trash or street side. At minimum, these mail outs expose personal information, dangerous in the hands of the wrong people. 

The finance charge is {$280.00}. It is a 48.82 % interest rate. Given Sunset checked his credit reports, his age and responsible credit history is obvious. It is also significant he has only done business with mainstream financial institutions. 

Mr. XXXX did not initiate any contact or transaction. 

Sunset has targeted our area and it needs to be reigned in. 

Zip code XXXX has some older, still nice neighborhoods and many low-income XXXX and XXXX young groups. We also have a young, vulnerable college age group within this zip. 

I called CFPB today to opt out as a preventive measure. 

I am hoping CFPB can help reign in such irresponsible targeting of our neighborhoods in the XXXX zip code.

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 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I NEVER had an American Express Account ending in XXXX. I do NOT owe American Express any money. The Account Balance is XXXX. American Express has all my correspondence and can provide XXXX XXXX XXXX copies. 

This is the second DEBT Collector that American Express has sent after me. I wrote to XXXX XXXX XXXX, explained that American Express Account XXXX is FRAUDULENT. XXXX XXXX XXXX stopped contacting me but did NOT resolve the problem. 

American Express just assigned the FRAUDULENT Debt Account XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX is HARASSING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I recently refinanced my home and obtained a loan through Fifth Third Bank. I specifically chose Fifth Third since they had my original mortgage for 14 years and I knew they did not sell their mortgages. Selling of my mortgage is a concern due to the recession in XX/XX/XXXX. Several times during my conversation with Fifth Third mortgage employees and customer service representatives, I mentioned that being a consideration of mine in choosing to refinance with Fifth Third and the employees did not refute my statement. I received a letter yesterday, XX/XX/XXXX, from XXXX XXXX telling me my Fifth Third mortgage had been sold to them. I do NOT want XXXX XXXX to have my mortgage. What recourse do I have? 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: NV

Complaint narrative:
I had 7 student loan account with Nelnet. They were transferred over to collection ( they have since been paid in full ). However on the credit reports for XXXX and XXXX, the status shows as currently 120 days late even though the account was transferred and no balance is owed. I have disputed the incorrect status with XXXX and XXXX only to have Nelnet confirm its accurate. I called Nelnet directly and asked the to correct the status and the stated that because it used to be over 120 days late they are not obligated to correct the current status. There is no balance owed to Nelnet. The account was transferred. The CURRENT status should state account was transferred. I am NOT currently 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
Creedence Resource Management whomever this may be is blowing up mine and relatives phones  non-stop up to 6 times daily after previous cease and desist request made and acknowledged by this company. Using multiple fake or spoofed phone numbers one being XXXX with no messages left.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I got an alert on my credit file that my XXXX XXXX XXXX account was showing recent late payments so i called them and they stated they had been sending me statements to pay but they had the wrong address in which i have not changed my address so i wasn't sure where they had been sending my mail. Then they closed my account and i told them that i have been with them for awhile and why can't they fix the error that was their fault. 
I filed a compliant with XXXX XXXX XXXX and this is my dispute number 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 2018-12-18 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: CA

Complaint narrative:
I got an alert on my credit file that my XXXX XXXX XXXX account was showing recent late payments so i called them and they stated they had been sending me statements to pay but they had the wrong address in which i have not changed my address so i wasn't sure where they had been sending my mail. Then they closed my account and i told them that i have been with them for awhile and why can't they fix the error that was their fault. 
I filed a compliant with XXXX XXXX XXXX and this is my dispute number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
GC Services has violated FDCPA 809 ( A ) giving me notification of a debt on credit report I talked to XXXX from XXXX TX on XX/XX/2019 at XXXX where the collection agency is reported on my credit report but had to transfer me to XXXX where I talked to XXXX XXXX They verified 2 wrong addresses on my account. 
They never called, emailed, or sent any notifications to my address informing of any collection. I also have no contract with GC Services Under the Protection of consumer financial services chapter 392.202 ( C ) The third party debt collector admits the information is inaccurate and shall immediately cease collection efforts related to the portion of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: MO

Complaint narrative:
OnXX/XX/18 I was alerted that I received a hard inquiry on my credit report. I didnt sign up or approve anyone to check my credit report on XX/XX/18 but I got a hard inquiry. I called TransUnion to inform them that their is a duplicate hard inquiry in my report. I informed TransUnion that it wasnt me on XX/XX/18, I  asked TransUnion to remove the duplicate inquiry because its against FCRA guidelines to display inaccurate or false information about me. TransUnion denied me the right to dispute the inaccurate information. TransUnion asked for me to get a letter from the bank and the bank doesnt give out letters like the one TransUnion asked for. This is an error on TransUnions part and they refuse to fix it.

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 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I called in to Citizens bank today to resolve a problem with XXXX XXXX  still showing that the debit card has not been removed from my device. When the Rep XXXX XXXX XXXX failed to resolve the issue I asked to speak to a supervisor. The supervisor regurgitated the same resolve and then disconnected with me after I asked for her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: WA

Complaint narrative:
Past few months : Have incresingly been flagged by multiple parties to provide more ID such as XXXX and SSN card where before I had no such requirements XX/XX/XXXX Went on XXXX to get free credit report. When prompted with security question by Experian involving past loans, was asked about an auto-loan in XX/XX/XXXX, which I do not have. 

Could not complete process for experian credit report, subsequent requests error out. I assume account was locked from free report Tried to go on experian website and create account, says they have a problem with my identity ( if there is a fraudulent car loan, of course home address was changed by criminal ). 

Uploading docs to their website is terrible, and they keep requesting I jump through more and more hoops. 

Tried to call provided number, system is entirely automated and kicks me off if I ask for 'operator ' or 'manager ' or 'live person '. Again system says it can't verify who I am when prompted for home address ( again because the fraudulent loan probably caused that record to be updated in Experian 's system ). 

I want access to my credit report and I want Experian to expunge the bad loan data from their system. I then need to trace down the bank involved and get my name off it 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 2018-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: KY

Complaint narrative:
I was in the process of applying for a forbearance with American Education Services ( AES ). During the application process, my loans went into default before my forbearance went through. Immediately after my loans went into forbearance, I requested that AES repurchase my loans ( within the 30 day grace period ). AES made no attempt to repurchase my loans. Instead, they asked that I fill out another forbearance request, which they then denied since they no longer serviced my loans. I believe that AES made no effort to assist with my financial hardship and instead allowed these loans to go into default without notifying me of my options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelson Cruz & Associates LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX is a collection agency that has my student loan. I worked out a voluntary payment arrangement of {$50.00} per month this past summer. I told them over the phone what day to take out the {$50.00} payment each month. They called me and said that the {$50.00} a month can not be accepted anymore and they will recommend wage garnishment. My understanding is as long as I am voluntarily paying they can not garnish my wages or take my tax return. I feel like they are trying to bully me into paying more.

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 2018-12-18 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: Immediate Credit Recovery
State: CA

Complaint narrative:
XXXX in XXXX CA closed down along with all of their campuses while I was enrolled and now they are asking me to pay back the loans. The amount due is {$5400.00} which I have been going back and fourth with the XXXX XXXX XXXX XXXX to see If I could either get it forgiven seeing as I was not able to finish the program or if I could set up a payment arrangement. I sent in my last correspondence and now they are sending my account to a collections agency and they have sent me a notice that they are going to garnish my paycheck by 15 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC
State: OR

Complaint narrative:
XX/XX/2018 Letter to XXXX XXXX, XXXX XXXX XXXX - My client, XXXX XXXX, called me and told me to call XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX. My client said Why is a Collection Agency calling you at my business? GOOD QUESTION! 

XXXX Do you know that calling my client is a violation of Collection Agency Ethics? Please give my Invoice to your boss and have him/her/they process it as soon as possible. 

In XX/XX/2018, I wrote to XXXX XXXX XXXX, Chairman and CEO, XXXX XXXX XXXX and XXXX XXXX XXXX, CEO, XXXX XXXX instructing them to cancel my XXXX XXXX XXXX XXXX XXXX account after 50 years as a customer. I never received a response. 

Account XXXX is a FRAUDULENT account. I never opened an account ending in XXXX. My recurring payment to XXXX  was transferred to the FRAUDULENT account, which messed up my XXXX  account and will cause XXXX  to lose my business. My Credit Score has gone from XXXX to XXXX, all because of the FRAUDULENT activity of your client, XXXX XXXX. 

Enclosed find INVOICE XXXX XXXX XXXX, INVOICE XXXX Mr. XXXX XXXX XXXX and INVOICE XXXX XXXX XXXX XXXX. 

Thank you for your assistance in this matter, XXXX. I am sorry to see you caught in the middle. I am sure you want to treat me fairly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/18, I contacted Transunion in regards to a drop of 130 points from my credit score. The message read that my school loans increased by {$27.00} which could be due to a missed payment. I tried to explain to the CSR that my school loans are in deferment, so that couldn't possibly be the case. I went on to explain to him that that increase was interest accrued. Also, neither one of the other credit bureaus decreased my credit score, and the same thing was reported on the two. The same thing happened in XXXX. I'd like my credit score restored, and all accounts on Transunion to be verified for accuracy. All the open accounts on my credit report are in " good standing '', and I've never missed a payment on either account. There is no reason for such a significant drop of 130 points.

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 2018-12-18 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: CO

Complaint narrative:
I have been disputing information in my credit reports for all three credit reporting agencies. The process is not very helpful for consumers as all the credit bureau does is check with the lending company who is reporting the inaccurate information. Specifically after my divorce ( 2014 ) I had numerous accounts that were settled for less than what was owed. In my status field for all settled accounts Experian is reflecting the highest balance ( for life of account ) as the Charge Off amount which is not accurate and negatively impacts credit scores and decisions by lenders. Repeated contacts to creditors and disputes to Experian result in no change to account status.

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 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I never did business with the company LVNV Funding LLC, both the company and the credit bureau never provided me with notice of this alleged debt being placed on my credit or provided me with a signed contract with my signature. A collection bill is not a validation and that I have a right to be provided with proof or it needed to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: KY

Complaint narrative:
XXXX XXXX XXXX was able to put a fraudulent account and address on my report without my consent dated XX/XX/2018 for {$540.00}. This account and address do not belong to me and his affecting my credit. I am young and trying to establish my credit and this is hindering that. I have tried to dispute this with Transunion with no luck. Please remove this as soon as possible. Thanks

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 2018-12-18 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: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I have tried to dispute this account previously. I have no contract with this company. The company reporting the credit item and it has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX sent me a letter stating that. " The disputed item ( s ) was removed from your credit report. '' Credit went up 29 points. On XX/XX/XXXX XXXX sent letter stating account ( s ) belong to me. In the amount of {$470.00} from XXXX XXXX I first disputed in XX/XX/XXXX. I spoke with the company that I have NEVER been to New Jersey and I have proof around the time the account was open I was here in Georgia. Today XX/XX/XXXX my score dropped 7 points for false remarks from consumer which is not me.

Company response to consumer: Closed with explanation