vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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:
Good afternoon, unfortunately I believe I am a victim of identity theft. My information has been compromised and used to obtain goods illegally on my behalf. My credit is completely destroyed and I can't even get approved for a car now that mine broke down. The accounts that I suspect are fraudulent are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX and XXXX XXXX as well. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: FL

Complaint narrative:
Good afternoon, unfortunately I believe I am a victim of identity theft. My information has been compromised and used to obtain goods illegally on my behalf. My credit is completely destroyed and I can't even get approved for a car now that mine broke down. The accounts that I suspect are fraudulent are XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX and XXXX XXXX as well. Please 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 non-monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MI

Complaint narrative:
I had a XXXX phone service for less than 2 weeks in XX/XX/XXXX. I cancelled it. XXXX said I have a XXXX  balance. One month later a collection agency sends an email to me stating that I owe them {$83.00}. I called the collection agency and they said they had no idea why I would have a bill. They told me to call XXXX. XXXX took several transfer calls to reach a manager. They said I have no bill and it will go away. So I called the collection agency and notified them that I spoke with XXXX and there is no balance. The next month comes and I receive another email bill. I did the same thing all over again. On XX/XX/XXXX I received an email from XXXX that I have a credit due back to me of {$15.00}. XX/XX/XXXX I received an email from the collection agency saying that I still owe the {$83.00}. So I called them again and they said it is a timing thing and there is no balance. I told them I have spoken with them over 4 times on the phone over the course of several months and I want to file a complaint. They would not give me their address. They said they will note my account that I am upset with them. The collection agency is MRS Associates of New Jersey is a trade name of MRS BPO, L.L.C. 
( XXXX ) XXXX. Please have them stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/2020 - Attempted to access my online account with Experian and found that my online account was hijacked and linked to an unknown email address. 

Attempted to notify Experian but found that this was impossible online. Only by calling their corporate offices could I speak to an agent. Agent would not initiate fraud activity investigation and would only allow me to " reset '' account so I could access with my email and new password

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 2020-03-03 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: CA

Complaint narrative:
There is a XXXX XXXX XXXX account on my credit report that does not belong to me. The only reason why I found out is that I was trying to co-sign for my daughter to buy a car at XXXX and I was unable to do so because of this account. I never opened it and I did not give anyone else permission to open this account on my behalf. I have no idea who opened this account using my personal information without my permission. I never made any payment towards this account nor did I get anything from it such as money, services or any other benefit. I filed a complaint with the CFPB, notified the company and filed a police report regarding this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XXXX XX/XX/2020, I called XXXX 's mortgage servicer Nationstar Mortgage LLC to bring to their attention the fact that the XXXX statement had incorrect sums and, more importantly, an incorrect loan balance ( it was off by {$1.00} + change ). I eventually had to speak to a manager, who confirmed that the loan balance was indeed wrong and that they would fix it. A few days later, they confirmed that they fixed it and invited me to download the updated payment activity log, which showed the correct numbers. Their debt collection website front page for my account, however, had switched to anticipating the next automatic payment in XXXX to indicating that the XXXX payment was still pending. I am on automatic payments, and my previous conversation with them was about the XXXX payment that WAS applied, so I figured that they still needed to fix their system. Today, XXXX XX/XX/2020, I was called by one of their representatives who indicated that I am now late for both the XXXX AND the XXXX payments. The representative told me that their automatic payment system is NOT broken, so why would he ask me to pay for XXXX and XXXX twice? I am now awaiting a call-back from one of their managers. In the meantime, I am reporting Nationstar 's practices because who can one really go to when no one oversees the people servicing your loan?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: IL

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting incorrectly to Equifax and XXXX a collection in the amount of {$2300.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) A few years ago I decided to switch my service to a different cell phone company. I returned the phones and other equipment directly at a XXXX XXXXXXXX store and paid my final bill and their mandatory re-stocking fee. Once these payments were made the company then released my account so I could then move forward with the transfer of my phones to the new company. I was assured by the XXXX XXXXXXXX representative that the account was in good standing. Unfortunately, XXXX   XXXX did not honor their word. I had no idea that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the company and the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Kriya Capital, LLC
State: TX

Complaint narrative:
Account still showing a a collection on my Credit Reporting Agencies. I negotiated a pay for deletion, however, agency never deleted. Please delete as agreed up and make me whole again. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This is regarding Company Name : XXXX XXXX  Account # XXXX Never removed still in my credit file : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response from Equifax : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items and the results are below : The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX XXXX XXXX Account Number : XXXX The results of the investigation have been mailed to you. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at www.myEquifax.com. Here you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and the Core Credit product. You may also contact us at XXXX to speak to a Customer Service Representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I originally established an account with Home Depot for the amount of XXXX dollars. I reported that my card was stolen and I would pay the interest or whatever fees are needed until the matter is settled. My card was taken XX/XX/30 2019. 

The problem I have is I have not been able to receive an honest response when I speak with Home Depot and Citi Bank I guess holds the account. The both of them seem to have a different understanding and give me the run around as I'm paying on this account. 

XXXX XXXX XXXX XXXX Account 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 2020-03-03 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: WA

Complaint narrative:
Transunion Credit Reporting refuses to allow a consumer statement to be issued into the account disputing the entire charge from XXXX XXXX. Additionally the date that the XXXX XXXX account was closed was XX/XX/XXXX, and not XX/XX/XXXX. Furthermore the amount in dispute is smaller, and XXXX XXXX and/or Transunion have inflated the charges. The total amount disputed at the time of account closure was {$1900.00}. 

The amount was disputed because XXXX XXXX failed to protect me from charges resulting from faulty merchandise covered under a one year warranty. 

Previously I tried to submit the dispute online with Transunion, but their web portal won't allow a consumer statement. At my request, Transunion escalated the matter to a XXXX XXXX, supervisor of technical services, but XXXX advises that she is not willing to correct this problem, and that what I see is what I get.

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 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
DID NOT RECEIVE MY 1099-INT FOR TAX YEAR 2019. CAN NOT FILE TAXES DUE TO BANK 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 2020-03-03 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: IL

Complaint narrative:
I have acct with XXXX  XXXX XXXX XXXX ending in XXXX. the compliant was resolved via cfpb complaint with XXXX XXXX XXXXXXXX XXXX stated on letter that acct charge off, balance due and late payments will be removed from this acct. I sent all this info to transunion from original creditor and thru refuse to correct the acct. I have talked to 3 managers and they stated that the correction would have to come from the original creditor. I have sent info from original creditor that they have received certified mail 3 times and they still refuse to correct the issue on this acct.

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 2020-03-03 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: IL

Complaint narrative:
XXXX XXXX  XXXX is reporting incorrectly to XXXX and Experian a collection in the amount of {$2300.00} on the XXXX XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) A few years ago I decided to switch my service to a different cell phone company. I returned the phones and other equipment directly at a XXXX XXXXXXXX store and paid my final bill and their mandatory re-stocking fee. Once these payments were made the company then released my account so I could then move forward with the transfer of my phones to the new company. I was assured by the XXXX XXXXXXXX representative that the account was in good standing. Unfortunately, XXXX   XXXX did not honor their word. I had no idea that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the company and the bureaus to remove these however, I have not been successful.

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 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Reporting agency has not sent validation of debt after being requested on several occasions. The reporting agency does not own this debt, it was purchased 3rd party. The reporting agency is reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: IA

Complaint narrative:
I have been issues predatory loans and have been systematically lied to by Navient at every turn since I graduated in XXXX. They have told me that forbearance was the best option upon graduation and when navigating the financial repayment plans. They lied and said forbearance would not effect me entering into the repayment plan for student loan forgiveness when I have worked for a non-profit for almost 10 years. they told me I was not eligible for financial repayment plans in XXXX and said I would have to make {$780.00} a month payments to pay them back and would not give me information about the forgiveness plan. They then hung up on me. This lead me into a default status and they began to garnish my wages. When I called to talk to another person at the company to resolve this issue they told me I am better off with the 20 year income driven repayment plan. They have lost my paperwork I have sent in which then put me out of my repayment plan due to not having it filed in time. ( XXXX I believe ) they then put me back on forbearance stating it would not effect my payments or fees in anyway. 
Any time I have called for information they have given me inaccurate information. I have asked about consolidating several times and they said that is not in my best interest and that I would pay my loans off sooner paying them individually. 
I took out less than {$40000.00} in loans, have been paying for 8.5 years and I now owe over {$87000.00}. I am not even sure how when I make payments each month it has gone added another {$47000.00} to my debt which I will never be able to repay while working in this field. ( I work for a non-profit, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ). 
Please tell me how to fix this or what I can do to manage this issue as I am overwhelmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dalty Acquisitions, Inc.
State: TX

Complaint narrative:
I received notification that my credit score dropped. Upon further review, there was a collections account listed on my report that I had no knowledge of. I called the XXXX XXXX XXXX and was advised that the account was sold to another creditor, who had no information for the alleged debt. This account was placed on my report with no validation of the debt and without any notification from this company I owed the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I HAVE A BANKRUPTCY THAT IS INACCURATE. THE CREDIT BUREAUS SENT ME PAPERWORK THAT THEY VERIFIED THE BANKRUPTCY THROUGH A THIRD PARTY. 
TRANSUNION XXXX  XXXX  I HAVE PAPERWORK SHOWING I HAVE A SECURITY FREEZE ON ALL OUTSIDE PARTIES THAT REPORT TO THE CREDIT BUREAUS. THEY ALSO SAY THE BANKRUPTCY WAS VERIFIED BY THE COURTS. I HAVE PROOF FROM THE COURTS THAT THEY DONT REPORT TO THE CREDIT BUREAUS. ONE THIRD  PARTY IN PARTICULAR WAS XXXX AND MY FILE IS SUPPRESSED AND HOLD A SECURITY FREEZE. 



XX/XX/2020 XXXX ( OBTAINED FROM LOCAL, STATE, AND FEDERAL COURTS AS VERIFIED THROUGH A THIRD PARTY VENDOR, XXXX ) XX/XX/2020 TRANSUNION ( VERIFIED AS ACCURATE THROUGH THE COURTS ) XX/XX/2020 XXXX ( VERIFIED ACCURATE THROUGH COURTS FROM A THIRD PARTY ) XX/XX/2020 LETTER FROM COURTS ( DO NOT REPORT TO ANY AGENCY )

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 2020-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Arapahoe Motors
State: CO

Complaint narrative:
We went to Schomp Honda at XXXX XXXX XXXX XXXX CO XXXX to look at a vehicle they had posted on there website a XXXX XXXX XXXX, we test drove said vehicle and then talked to the salesman about the vehicle having no warranty he assured us that they had done a 125 point inspection and found that the head gasket had to be replaced and that there was no warranty due to that repair, but everything else had checked out ok. Within 2or 3 weeks the engine light came on, we took it in to be checked out by an outside auto shop and found out the problem was a bad engine that could not be fixed internal engine failure. {$11000.00} to replace then while they were finishing the inspection they said the 4 wheel drive system which is the  vtm was also going out along with the front and rear brakes that were so bad that we could have been in a very bad car accident, we were lucky that we took it in, and on top of that the cv joints and the struts were also shot bringing the total to about {$15000.00} dollars we contacted the dealer on XX/XX/122020 and they stated it was not there problem, they stated the car was sold as is. But what kind of a reputable dealer would put peoples lives at risk just to make money, then not even care. So the more i thought about it the more upset i got because now that they choose not to do anything about it, if i take this XXXX XXXX XXXX in to trade for another vehicle i am going to have to do the honest thing and disclose everything wrong with the vehicle and probably being stuck with about {$8000.00} worth of negative equity towards purchasing another vehicle. I then contacted the dealership again on XX/XX/2020 to try and resolve this matter by bringing back the XXXX XXXX XXXX and get my trade in money for my vehicle and my down payment money so i could look at another vehicle, again they turned me down and said they might consider taking the truck back but well below what i paid them for it and not receive any of my trade in allowance or my cash down money, stated thats not happening. This is why i am reaching out to you because they dont give a XXXX about myself or my wife just the money. This dealership should be put out of business and fined for the way they take advantage of people.

Company response to consumer: Closed with explanation