vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-06 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:
My credit score recently showed a significant decrease, so I ordered a credit report from all three credit reporting agencies. TransUnion shows 10 adverse accounts that are in collection status on my credit report that arent my accounts. Reading the report further, I discovered that TransUnion also added a new name to my credit report. That name belongs to my son, as do the collection accounts on my report. No effort was made by TransUnion to verify that this bad debt was even mine before placing it in my credit report. It is obvious that TransUnion received some information regarding a bad debt for someone with a similar name, using my mailing address and then took it upon themselves to just assign me an alias and the bad debt. No effort was made to verify the information being placed in my report was actually mine. Is there no such thing as due diligence when conducting such a transaction? I called TransUnion today, XXXX to address this matter and after having to explain the problem multiple times, was told that they will look into it and for me to check back with them. They would provide no reference number or claim number to assist me and stated that I just needed to call the regular customer service number to check the status after 5-15 business days. The last person I spoke with refused to let me speak with a supervisor or provide me an alternate number where I might reach a supervisor. The manner in which this information even got on my credit report is cause for great alarm. If the credit reporting agencies arent using more care and diligence than has been demonstrated in this scenario, they should not be able to operate. These reports have a serious impact on consumers livelihood and should be protected against trashy input from the company that is storing and providing reports.

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 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
I sent a dispute letter within the 30 day period. They received the letter on XX/XX/XXXX at XXXX. They called XX/XX/XXXX on my Daughters Cell phone who is XXXX years old at XXXX : XXXX XXXX so my daughter answered it and I told them that the dispute letter was sent and that they need to stop calling. They called again on my daughter 's cell phone on XX/XX/XXXX at XXXX and I have no response to my Dispute letter. I believe under the fair Debt act that they are suppose to stop calling until I receive the response to my dispute. I also told them to stop calling my daughters number.

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 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
No response

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 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
No response

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 2017-12-06 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
What happened? 

I bought a car on XXXX XXXX and gave permission for XXXX finance to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pullsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. Please help me to fix this problem. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
HI, I was trying to make a payment with CapitolOne credit card for {$110.00} dollars on XXXX/XXXX/XXXX and the company processed a payment for {$110.00} and {$100.00}. I never authorized a payment to be processed for {$100.00}. I asked to have an automatic payment started next month but the agent started it that day. I tried to speak to them the next day when I seen it post on my account. The issue was not resolved at that time and it has not been resolved yet and the money was taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I am seeking assistance in regards to my mortgage with SPS. I have a potential short sale that we would like to complete with the lender SPS. I initially reached out to them on multiple occasions seeking assistance and was advised that they had placed a sale date on the file for XXXX/XXXX/XXXX. I immediately advised my financial adviser that they were unwilling to help with getting a loan modification approved in order to keep the property. My adviser stated that we should submit a formal compliant as I was never served with any notice of foreclosure sale paperwork. This property has been in my family for multiple generations and has become a family heirloom. I worked together with the lender on submitting multiple completed loan modification packages with all financials, addendum 's, forms and contracts needed in order to complete a formal review but was subsequently denied. We are asking that provide us with a 45-60 day foreclosure stay in order to allow for a complete review to go through as we do not wish to have a foreclosure on our record. Our family has gone through enough hardship and this is something that will potentially break us apart. Please help us obtain postponement in order to allow enough time to complete a short sale review as my property was listed for sale on XXXX XXXX, XXXX in preparation to complete a short sale on my property as it is simply no longer worth what I owe the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I scheduled my HOA dues payment to be delivered on the XXXX of XXXX got confirmation from my bank that they will deliver the payment on the XXXX. They debit my account on the XXXX, but did not deliver the payment until XXXX. I was charged {$18.00} I have called my bank and they started to investigate they say they will call me and they did not. I faxed my complaint and have not received a response.

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 monetary relief
Consumer complaint received 2017-12-06 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: NC

Complaint narrative:
XXXX XXXX XXXX has been reporting since XXXX that I have an open account with them # XXXX which I have never had and they are coding to my credit report as this being a Foreclosure. I am trying to refinance my current mortgage and ca n't because this is on my Experian credit report. XXXX and XXXX credit reports are correct. I have contacted XXXX XXXX XXXX on numerous occasions and Experian and just keep getting a run around, their employees are also very rude when you ask about these fraudulent claims on my credit report. I just ca n't believe XXXX XXXX XXXX and Experian are allowed to put these bogus fraudulent claims on my credit report and have been doing it for years. This should be a crime and they should be punished for taking advantage of their customers. Please help me. 
Thank you, 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 non-monetary relief
Consumer complaint received 2017-12-06 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: FACTUAL DATA CORP.
State: MA

Complaint narrative:
What happened? 

I bought a car on XXXX XXXX and gave permission for XXXX finance to pull my credit. Not only did XXXX credit pull my score, but XXXX other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. Please help me to fix this problem. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Integrated Recovery Services
State: KS

Complaint narrative:
XXXX XXXX " pre-legal division '' called my brother and left a message stating they are investigating me and asked him to have me call them back. they left an account number with the last four of my social at the end of the account number. I called them back and a lady told me I stole money from a payday loan company. When I asked her to stop contacting my relatives and friends she told me they were going to continue. When I asked her to cease and desist, and asked for a written letter explaining who they are with a correspondence address, she told me that I better carry two forms of ID because I was going to be served with court papers concerning this debt. The lady hung up on me. When I called her back, I asked if XXXX XXXX owned this alleged debt or if her company did. She said the original creditor still owned the alleged debt and that she represented a collection agency. I told her that she was providing false information by stating they would be filing a lawsuit against me, since her company does not have standing. The lady then called me a thief several times and a liar. I stated several times that they cease and desist and this lady hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 'm trying to apply for a personal loan, they state the I have a credit freeze on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: FL

Complaint narrative:
To Whom It May Concern, There is currently an inaccurate item being reported on my credit report from Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX I have contacted this company at the address listed below on my TransUnion credit report which is : XXXX XXXX XXXX XXXXXXXX . XXXX XXXX XXXX, CA XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. 

Given that the furnisher has provided false information to TransUnion about me, and provided TransUnion with a false address, I demand that the item they are reporting be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. 
I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. 
Creditor : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX; XX/XX/XXXX Please note  that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 
Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX. 
Sincerely, Signature XXXX XXXX SSN XXXX DOB XX/XX/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 2017-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: GA

Complaint narrative:
On background pending charges come up on a XXXX case in XXXX WI I was not convicted of any charges there are fines I have to pay it is against state laws to discriminate on not hiring individuals on charges they have not been convicted of

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 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: OH

Complaint narrative:
On XXXX/XXXX/XXXX I sent a letter to Transunion in regard to inquiries that were removed XXXX of XXXX and then added to my report without my knowledge Apparently around XXXX XXXX,. ( Which they ca n't do without written notice ). The company ignore my request which is why I 'm now filing a complain with the CFBP. 
The inquiries in question are as follow : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/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 2017-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/2017, my credit card was auto-drafted without my awareness. I did not receive a bill or notification from Golden One Credit Union for the amount due until after it was reported 30 days late. The debit was paid in full upon receiving notification of the amount due.Furthermore, I have never been late in the past, nor have I ever carried a balance on the account.

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 2017-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
once again I am complaining about my mortgage company OCWEN they are the worst company on the face of the earth! 
I have said it before and I will keep saying " they are spread out too thin to be effective '' they have offices in XXXX and the when they send out information it always comes from their XXXX XXXX XXXX Florida office. their left hand does not know what their right hand is doing. I call their toll free number from my residence in the United States I should be connected to some one in the United States NOT XXXX!!!!!!!!!!!!!!! 
XXXX does not understand and they do not have up to date records payments go to a US address in XXXX XXXX Illinois as another office, they are spread too thin. They do not credit payments when they are received so they can charge a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CALLED TRASFERED OUTSIDE THE US, WHERE I WAS TRANSFERED DEPARTMENT TO DEPARTMENT WITH SO SOLUTION TO MY PROBLEM ..VERY LITTLE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I lost my job and had a hard time paying off my credit card. I tried to resolve this by contacting Wells Fargo but they never responded or helped me. Eventually they let charges stack well past my actual credit limit and then sued me for collections. 

A lot of mistakes and over charges were happening which compounded the issue even further.

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 2017-12-06 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: Ditech Financial LLC
State: NC

Complaint narrative:
Ditech Financial LLC has been reporting since X/2014 that I have an open account with them # XXXX which I have never had and they are coding to my credit report as this being a XXXX. I am trying to refinance my current mortgage and ca n't because this is on my XXXX credit report. XXXX  and XXXX credit reports are correct. I have contacted Ditech Financial LLC on numerous occasions and XXXX and just keep getting a run around, their employees are also very rude when you ask about these fraudulent claims on my credit report. I just ca n't believe Ditech Financial LLC and XXXX are allowed to put these bogus fraudulent claims on my credit report and have been doing it for years. This should be a crime and they should be punished for taking advantage of their customers. Please help me. 
Thank you, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In XX/XX/XXXX after hearing about the Public Service Loan Forgiveness program, I spoke with XXXX XXXX ( which is now Navient ) and requested that my student loans be consolidated and set up in order to qualify for the Public Service Loan Forgiveness program. It took multiple calls to XXXX XXXX and was a very frustrating process, often the XXXX XXXX representative that I would speak with was confused about the program and did not know how to proceed. After multiple calls I was told that my loans had now been consolidated and would meet the criteria for PSLF as long as I made 10 years of qualifying payments. 

In XX/XX/XXXX, after making 10 years of payments I have attempted to qualify for the PSLF only to be told that XXXX XXXX never consolidated my loans appropriately to meet the terms of the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
On XXXX XXXX 2017 a certified letter was received by Diversified Consultants, tracking number : XXXX This letter was asking for validation of a debt, account number XXXX. They failed to provide validation of the amount they state I owe. They also only sent a prior XXXX bill. Absolutely nothing with my signature to validate they have the right to collect this debt. I would like my account removed from their systems and revoke their right to report to the credit bureaus

Company response to consumer: Closed with non-monetary relief