vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is regarding a year of continuous complaints. I contacted XXXX and they said, they sent a letter to all three credit bureaus to DELETE account # XXXX. As I stated at first, this was not my account and all three credit bureaus still claimed this debt was verfified. Which is untrue. This was a fraud accont that had a different address with my personal information. After all three credit bureaus stated, I need a police report. That was untrue. I called XXXX 's CEO and they immediately sent the following letter. The letter is attached. Please note : With this unfair alledge verification the credit bureaus claimed they did for months has caused a 71 point drop in my score. And it should have never been. This account should have been deleted a long time ago. If it was it would not have damaged my credit and life. Because of this, it has caused havoc of me not receiving adequate credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: AES/PHEAA
State: SC

Complaint narrative:
My student loan was recently transferred from XXXX to FedLoan Serving. I have no complaints about XXXX and was never late on a repayment with them in three years. My first repayment with FedLoan servicing was late because I was never properly informed of what servicer my loan went to, when my new payment was due and where to go and pay it. By chance, I stumbled upon FedLoan 's website and logged in to see DELINQUENT attached to my loans. This is unacceptable and may very well affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: GA

Complaint narrative:
Be advised this is the second request asking to removed unverified accounts that remain on my credit report in violation of 15 U.C.C 1681. In the results of your the first re-investigation it was stated that it was " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts??? Not something that was " Electronically '' submitted to you. DOCUMENTS. Also what is the name of the person IN YOUR COMPANY who verified these accounts??? What this means is someone in this company must be willing to be able to produce in your files that proves the account ( s ) in dispute belong to me and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ) under oath and under the penalty of perjury.

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 2017-06-20 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: SC

Complaint narrative:
Equifax has been constantly ignoring my request for validation of accounts. I have requested several times from the companies for proof of contract that applied with them to no prevail. I have also sent Equifax numerous of request to delete due to no contract or validation of account and provide proof. Equifax has continuous ignored my request even after providing proof. They are also displaying someone else ssn number on my credit report. This is against the law to release this information belonging to other individuals. I would like this information remove asap before I seek legal assistance. I do n't want to be held accountable for their mistakes. I have attached the request as well as forms that were previously sent to Equifax per their request as well as a copy of my DL, SSN. They are stating it is from an application. I do not apply for anything with someone elses ssn so please remove. Please not this information was sent to a Supervisor in their Consumer Internal Affair Dept several times. Also in a previous case I asked for the fraud alert to be remove and they responded that it was removed on the report attached they have added this back to my file. Equifax practices regarding peoples SSN,  identity, and file to me is criminal. They just allow anything to be on the reports without proper validation. Please see the attached letters that were sent to Equifax certified as well as faxed. They have violated my rights completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: CT

Complaint narrative:
I have disputed XXXX XXXX several times. They are reporting that I am past due. The amount that they are reporting as past due is actually what is in forbearance after a modification. However Experian keeps saying it was verified. So this time I reached out to XXXX and emailed the CEO he had someone get back in touch with me only for me to find out Experian NEVER contacted them to investigate. I am asking that Experian stop violating FCRA laws.

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 2017-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I made a payment of {$490.00} to cover my {$380.00} payment and {$110.00} in late charges. The next month when I paid on time it said I still owed a late charge. While on the phone going over my transaction history they explained that out of my {$490.00} payment, {$410.00} went to principal and interest, which is over my monthly payment amount and left the remaining go towards late fees which still left {$30.00} in late fees which was then accruing interest. I pointed out the payment was not allocated properly to which they denied and just waived my late charge. My concern is if my payments have been misapplied in relation to P & I and any fees throughout the entire repayment term.

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 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: The Best Credit Group
State: LA

Complaint narrative:
I paid XXXX XXXX $ XXXXat The Best Credit Group in XXXX of 2016 for credit repair services. He did nothing but sent me 1 credit report and I paid him {$200.00} for my husband and recommended friends to him. He took my money and just emails me and refuses to refund my money. I asked him several times what steps have you taken. NO RESPONSE. HE IS FRAUD!!!!!!!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 180 days past due as of XXXX XXXX, XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX to XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in a loan modification program and was not aware that any late payments would appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: NY

Complaint narrative:
There is 2 accounts that are reporting on my experian credit report that is suppose to be deleted. XXXX has finally confirmed these 2 accounts and deleted them off my report however experian keeps just updating the information which is wrong. XXXX XXXX XXXX and XXXX should have been deleted off my experian credit report over 2 months ago. Yesterday X/XX/2017 I received a letter in the mail of the outcome from the investigation again. It shows the same information that these accounts have been confirmed as mine and updated. This information is wrong which is leading me to believe they are not doing a proper investigation. Like I mentioned earlier XXXX had done there investigation and deleted the 2 accounts. That means the same response from these 2 companies should be the same. I have been disputing this with experian for quiet some time now and they refuse to delete these accounts which is causing a hardship and a negative impact on my credit score. I am submitting this complaint about experian because they fail to do a proper investiagtion because I myself have contacted both companies and was told the information will be deleted once they receive the dispute.

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 2017-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
When I requested 4 month 's forbearance on XXXX XXXX from XXXX XXXX  I was told that the lender only grants forbearance in increments of 2 months. The customer service representative instructed me that I would have to call back at the end of the first 2 month 's of forbearance and request an additional two month 's forbearance. When I called to implement the instructions I was given I was told that I was not eligible for another two month 's forbearance until I 'd made 12 consecutive payments. All calls are recorded and, after some research, the customer service representative confirmed that I had been given correct information. However, instead of suggesting an alternative or in any way trying to rectify the situation I was told there was " nothing that could be done ''. I suggested putting a payment plan in place for XXXX XXXX which would give me time to figure something out. In response to this I was told I " should n't worry about it '' because credit reporting does n't occur until an account is 30 days past due. In summary, I was given false information, held responsible for the information I was not given and then told there were no other alternatives. When I suggested an alternative I was told there was no process or capability on the company 's part to follow through with this alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Acceptance Solutions Group, INC
State: OH

Complaint narrative:
I called to arrange a payment for the XXXX of the month. I was not late and even paid extra. The loan was taken out immediately overdrawing my account. When I called the company said the payment was taken by mistake and a refund was in order. First they claimed there was a problem with their refund department. Then they said it would take 48-72 hours for the money be refunded despite my band verifing they had covered the amount. I now have a overdrawn checking account, overdraft fees adding up and no refund. Customer Service 0. Run from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
This company is illegal and the loan was is not valid in the state of Florida, they charged triple the amount of the loan in just interest and that is illegal in the state of Florida. I paid the principal only.

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 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX-XXXX-2017 I noticed on my Equifax report that my available credit went from around 10-11k to XXXX. I noticed there were a whole bunch of things that were removed without my consent. I contacted two of the creditors who stated they would send the information to Equifax. I then contacted Equifax and spoke to a representative who stated they did n't remove it but the creditors requested it removed. I asked for a supervisor and also contacted one of my creditors to do a conference call so she can tell them they never requested the account removed. When the supervisor got on the phone, I informed him I had XXXX on the phone. The rep from Equifax then became very hostile and kept saying he can not do a conference call. He then proceeded to hang up. Again, this company is crooked, they do n't do disputes and they remove whatever they want and then blame it on the other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: NY

Complaint narrative:
There is 2 accounts that are reporting on my XXXX credit report that is suppose to be deleted. XXXX has finally confirmed these 2 accounts and deleted them off my report however XXXX  keeps just updating the information which is wrong. XXXX XXXX XXXX and XXXX should have been deleted off my XXXX credit report over 2 months ago. Yesterday XXXX/XXXX/2017 I received a letter in the mail of the outcome from the investigation again. It shows the same information that these accounts have been confirmed as mine and updated. This information is wrong which is leading me to believe they are not doing a proper investigation. Like I mentioned earlier XXXX had done there investigation and deleted the 2 accounts. That means the same response from these 2 companies should be the same. I have been disputing this with XXXX for quiet some time now and they refuse to delete these accounts which is causing a hardship and a negative impact on my credit score. I am submitting this complaint about XXXX because they fail to do a proper investiagtion because I myself have contacted both companies and was told the information will be deleted once they receive the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My husband and I have disputed XXXX several times. Each time it comes back as verified. I am have been disputing the loan amount, past due amount, payment history and account status. This dispute comes back the same each and every time.. Recently I received a letter from Transunion which states they verified name, address, and social and updated everything else. Well what they verified was not in question. How can they update information without contacting the creditor, I was told XXXX was never contacted by Transunion. I have included a copy of my credit reportXXXX XXXX letters from XXXX, an email between the CEO of XXXX and myself, and the XXXX letters from Transunion. I am ask Transunion to stop breaking the FCRA laws.

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 2017-06-20 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: GA

Complaint narrative:
Be advised this is the second request asking to removed unverified accounts that remain on my credit report in violation of 15 U.C.C 1681. In the results of your the first re-investigation it was stated that it was " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts??? Not something that was " Electronically '' submitted to you. DOCUMENTS. Also what is the name of the person IN YOUR COMPANY who verified these accounts??? What this means is someone in this company must be willing to be able to produce in your files that proves the account ( s ) in dispute belong to me and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ) under oath and under the penalty of perjury.

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 2017-06-20 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: GA

Complaint narrative:
Be advised this is the second request asking to removed unverified accounts that remain on my credit report in violation of 15 U.C.C 1681.  In the results of your the first re-investigation it was stated that it was " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts??? Not something that was " Electronically '' submitted to you. DOCUMENTS. Also what is the name of the person IN YOUR COMPANY who verified these accounts??? What this means is someone in this company must be willing to be able to produce in your files that proves the account ( s ) in dispute belong to me and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ) under oath and under the penalty of perjury.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently disputed my XXXX XXXX balance with Experian on XXXX/XXXX/2017, and I received an email with the results but I also noticed that they added to inquiries from XXXX XXXX to my credit report which I have I did not authorize.. I have contacted XXXX XXXX and they did not put the inquiries on my report in XX/XX/XXXX and XX/XX/XXXX. I know things can be reinserted but I never asked my credit to pulled for this dispute.

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 2017-06-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc.
State: MT

Complaint narrative:
Nelnet Does Not Have My Permission To Call Me For ANY Reason.I 'm Pretty Sure It 's A Robo Call

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: DISCOVER BANK
State: CT

Complaint narrative:
My Discover account was closed, ending in XXXX, fairly recently. However, there is a credit balance in the amount of XXXX which needs to be sent via check as I had requested. I chatted with a live chat rep in regard to this, was told a request was made to have check sent. I believe this chat was on or around XXXX, possibly XXXX. I checked the account today, XXXX, the balance in the amount of XXXX is still showing as a credit. I do not believe it was taken off as of yet and or a request for check processed yet. Prior to account closure, a dispute was filed for an item not received, an XXXX purchase ... I suspect this may or may not be holding up the check request as it may be still awaiting resolution. This purchase, in the amount of XXXX, made on or around XXXX, was not received. The seller was notified via XXXX but has not replied. Either way, I do need a check sent for credit balance ASAP

Company response to consumer: Closed with explanation