vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-15 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: NY

Complaint narrative:
as previously notified, I am a victim of identity theft

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 2021-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Yesterday evening I received a call from my employer notifying me that there was a wage garnishment order from a law firm by the name of XXXX XXXX XXXX. The order is requesting more than 25 % of my check, as a single mother during COVID this seems excessively XXXX and perplexing. Perplexing because it claims the debt is from an agency by the name of Cavalry. I have never heard of Cavalry or XXXX XXXX XXXX in my life, have no idea who they are or why they claim that I owe them {$7000.00}. They have also claimed that I was served with this order, however, I have not lived in the address they have on file for over two years now. I contacted the law group this morning and they claimed that because there was a settlement on the suit and an order made to garnish wages that there was no recourse or opportunity for me to settle the matter. However, again, I have no details for what this debt is for. Need urgent help on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have submitted my Credit Dispute to all 3 Credit bureau 's and I have not heard back. I submitted my complains on XX/XX/2020 and have yet to be notified of investigation status or results

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 2021-01-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have submitted my Credit Dispute to all 3 Credit bureau 's and I have not heard back. I submitted my complains on XX/XX/2020 and have yet to be notified of investigation status or results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. I was never late on payments, I was 100 % on-time. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I got notice from XXXX that there is a collection on my report I logged in and there is a company called Aargon agency they put me i collections for {$1200.00} I have not been notified regarding this debt and was not given the chance to investigate where it came from and I was not given the chance to discuss 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 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have asked Jefferson Capital Systems to stop contacting me via phone several times. I requested to only be contacted by mail however they repeatedly call. They over talk me and attempt to belittle me. This is not an effective method of trying to get someone to pay a debt. This is illegal and Im getting extremely tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an account showing on all three bureaus but only XXXX  is showing it as {$0.00} balance. Equifax has shown it as a balance owing of {$1500.00}. The account amount is not correct. I have attached the letter from the attorney general Child Support to show I have not been in default but i have a credit of over {$1100.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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:
On XX/XX/2021 I received an update alert on my Experian report showing XXXX XXXX XXXX reported me 30 days past due for XX/XX/2021, which my payment was due XXXX XXXX, however I notified XXXX  on XXXX XXXX regarding I would be making a payment on XXXX XXXX, 2021. I contacted them today and inquire how I can be late 30 days its still XX/XX/2021. On XXXX XXXX, XXXX placed me on a covid relief skip payment plan for a couple of months. I attached my payment confirmation.

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 2021-01-15 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: NC

Complaint narrative:
Equifax makes it IMPOSSIBLE for me to log in, as they are using an address that I have never lived at before as part of my " validation ''. I've opened disputes in the past, but as far as I know there is no way for me to actually log into their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NV

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. I was never late on payments, I was 100 % on-time. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

Thank you for your help

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 2021-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
i refinance my home with flagstar bank that time my home value was over XXXX, and my loan was XXXX, and i have a more than % 20 equity in my home, and they added Mortgage insurance to my Loan payment its around {$320.00} each month. This summer i request appraisal for my home MY home value came lowest price $ XXXX. 
I called my mortgage company flagstar bank again remove mortgage insurance. Because my home has more than % 20 since beginning and refound all paid insurance premium. they are sill reject my request. before the go to court i will complaint one more time

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 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IL

Complaint narrative:
on XX/XX/XXXX i went to use my debit card and it said i had insuffencent fund, i checked my account and it was negative XXXX, i called and spoke to an agent that said the mony was took out because i previousley used an atm and it did not take the monwy out of my account at the time of withdraw, so i went through all of my transactions even though i knew that these couldnt be and to no suprize i never withdrew XXXX that was not deducted from my account, ive spoke to so many diffrent agents who agree with me and say my funds will be put back in 24, but never are and only to email and call more to hear the same thing over and over ive tried to file a dispute only to be told i cant file a dispute.i am on a very low fixed income so i would know if this matter ever accoured.i have XXXX children at home and im getting no where with chime.i just need my XXXX they took please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
When I attended XXXX University, their staff encouraged me to get a co-signer on my student loans. They told me that I just had to make consistent payments for 1-2 years, and prove I could make the payments with employment, and I could get my co-signer removed from my loans. In talking with Sallie Mae customer service years back, I was informed of the same information.

Over the last couple of years, I've made multiple attempts to get my co-signer removed from 4 of my loans, yet I consistently get denied.

I've made at minimum 2 consecutive years of paying over and above the principal and interest on all 5 of my loans as well as I always pay in advance.

In reviewing my account online, all 5 of my loan accounts are up to date, and have been consistently up to date since XXXX. 

This month I applied yet again, I submitted proof of income by sending my XXXX income tax return. I've been employed with my current employer for over 4 years. My income was over XXXX for XXXX. I've submitted proof of my degrees to Navient multiple times. 

Yet they again denied me. 

Please know that in XX/XX/XXXX when I began making payments my total balance was {$140000.00}. Today my balance is {$99000.00}. This is a reduction of {$44000.00}. I am someone who takes this seriously and my payment history with Navient proves it. 

In addition, I have paid {$19000.00} in interest in XXXX alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/21 - I received a visa card from Cash App that I need not request or open. The company has no listed phone number for assistance. I did not request this card or open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: MA

Complaint narrative:
I am stuck in a sub prime loan ( victim of unfair business practices ) with super high interest rate 38 % since XX/XX/2020. I have not been able to refinance or even a get a lower rate. The monthly payment is {$430.00} and the balance has not moved. I have reached to the company/website may time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: FL

Complaint narrative:
Please I need an investigation on some fraudulent accounts that are being reported on my credit. I was viewing my credit yesterday when I detected some accounts that our not mine. I did not approve these accounts, nor have I given anyone permission to use my credit. Now I am unable to obtain new credit because of this. Please have these accounts removed from my 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 2021-01-15 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: FL

Complaint narrative:
Please I need an investigation on some fraudulent accounts that are being reported on my credit. I was viewing my credit yesterday when I detected some accounts that our not mine. I did not approve these accounts, nor have I given anyone permission to use my credit. Now I am unable to obtain new credit because of this. Please have these accounts removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Social Finance, Inc.
State: CA

Complaint narrative:
i submitted a complaint with XXXX  on XX/XX/2021 and they sent me an email stating that This complaint lists someone the company does not recognize as their customer or their customers authorized representative. I am personally filing this complaint. I am authorizing this complaint on my own behalf. I am resubmitting my complaint again as i am a victim of identity theft. I am also including the laws that state your responsibility and take my complaint seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: Lending Club Corp
State: CA

Complaint narrative:
i submitted a complaint with XXXX on XX/XX/2021 and they sent me an email stating that This complaint lists someone the company does not recognize as their customer or their customers authorized representative. I am personally filing this complaint. I am authorizing this complaint on my own behalf. I am resubmitting my complaint again as i am a victim of identity theft. I am also including the laws that state your responsibility and take my complaint seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
The items do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: FL

Complaint narrative:
I have multiple errors on each credit bureau about XXXX on my credit report. I have sent the proof to them on the errors on each credit report showing that after the investigation there are still errors. According to FDCPA SECTION 807 this is a violation of misleading false reporting. Also i disputed inquiries on my report that i did not authorize and they do not want to remove it from my report. These are violations of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TX

Complaint narrative:
On XX/XX/2021 I received an update alert on my XXXX report showing XXXX XXXX XXXX reported me 30 days past due for XX/XX/2021, which my payment was due XXXX XXXX, however I notified XXXX  on XXXX XXXX regarding I would be making a payment on XX/XX/2021. I contacted them today and inquire how I can be late 30 days its still XX/XX/2021. On XXXX XXXX, XXXX placed me on a covid relief skip payment plan for a couple of months. I attached my payment confirmation.

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 2021-01-15 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:
On XX/XX/2021 I received an update alert on my XXXX report showing XXXX XXXX XXXX reported me 30 days past due for XX/XX/2021, which my payment was due XXXX XXXX, however I notified XXXX  on XXXX XXXX regarding I would be making a payment on XX/XX/2021. I contacted them today and inquire how I can be late 30 days its still XX/XX/2021. On XXXX XXXX, XXXX  placed me on a covid relief skip payment plan for a couple of months. I attached my payment confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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'M HAVING PROBLEMS GETTING THIS ERROR CORRECTED 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 2021-01-15 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'M HAVING PROBLEMS GETTING THIS ERROR CORRECTED ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MA

Complaint narrative:
We closed on our current home on XX/XX/2020 and completed the sale of our previous home on XX/XX/2020. We intended to use the proceeds from the sale to recast our mortgage. Dovenmuehle Mortgage has stonewalled us at every turn. Despite receiving nearly {$400000.00} to recast our loan, they refuse to adjust our monthly payments. We have called them more than 20 times, once being left on hold for more than 3 hours. We receive contradictory information. Although we were told on at least 6 occasions that someone would call us back, we have never received a call. Our monthly payment amount remains the same and we are struggling to pay. My advice to anyone who has Dovenmuehle as a loan servicer is to refinance as quickly as possible and to not deal with them at any cost.

Company response to consumer: Closed with explanation