vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 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: MN

Complaint narrative:
I monitor my credit very closely and have been working hard to improve my credit for over a year now. On XX/XX/XXXX I received an alert from my credit monitoring service that I had a new collection on my report. I was not aware of owing any monies to anyone and had not received any calls or mail from any creditor regarding this. Upon checking I seen the debt was listed as being from XXXX for a sprint account in the amount of {$1900.00}. I recalled that this debt was previously listed on my report when I initially started working on my credit in XX/XX/XXXX by a company named XXXX. This debt was listed under a last name that does not belong to me ( XXXX ) my maiden last name is XXXX. This debt was ultimately deleted after dispute because of it being under a name that is not mines that I have never conducted business under and the company not being able to prove this account was mines. I am aware that with this debt being reinserted into my credit report I should have received written notice of reinsertion from Experian. I disputed this debt as not mines and also noted that I never received any notice of reinsertion from Experian on XX/XX/XXXX. The dispute results came back as verified on XX/XX/XXXX and the lack of reinsertion letter was not addressed by Experian. Still now on XX/XX/XXXX I have not received anything. Experian makes it very hard for you to reach them by phone regarding disputes so bringing it here was my best option.

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 2019-01-23 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: MS

Complaint narrative:
On XX/XX/2019, I received an alert from XXXX  saying that my credit score had decreased and one of my account had been charged off. I immediately logged in to see what was going on because I always am up to par on my credit reports because I am trying to buy a house. Needless to say it says that XXXX XXXX XXXX XXXX has CHARGED off my account. This is absolutely in correct because my car was totaled out from a wreck and the insurance paid their portion off leaving me a small portion which I paid off before time. I always kept up to date with XXXX  XXXX on this and several representatives assured me that since I paid the balance off before time that the account would not be charged off. Well I am livid, because it made my score drop and this charge off is on my credit report. I contacted XXXX XXXX last week around XX/XX/2019 and the representative looked into it and told me he was not sure why this happened, but I would be getting something in the mail.

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 2019-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ACRE MORTGAGE
State: NJ

Complaint narrative:
Hello this is more of a general complaint that I felt obligated as a professional to let the CFPB know of illegal practices taking place in my area. There is a mortgage company Acre Mortgage and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. The loan officer name is XXXX XXXX. He charged one of my clients {$2000.00} cash to help her find a loan a week before closing and told her that she would not get the loan or do the closing if she did not pay him. He also filed her tax return in the work office so that she could have a fake business loss so he can qualify her for a low income loan. He also did not sign the return as a tax preparer. Unfortunately this person is only XXXX  speaking and a first time home buyer and was unaware of what Mr. XXXX XXXX was doing. Its unfortunate that as a XXXX he is taking advantage of other minorities instead of helping them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I call today XXXX XXXX XXXX and spoke with XXXX XXXX she call me a lie about 14 medical bill I dont own .. I try to talk to her about is identity theft be cuz I have the prove and police report I been in this situation over years .. they dont want to make any fail decision about my case she es very rude to me by the phone ... she was I have medical insurance I never have before in my life!! The only insurance I have is XXXX  XXXX She say she didnt believe what I was saying .. any to XXXX  no collect entre medical bill in my name she say they have 14 new bill from XXXX XXXX clinic

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: NJ

Complaint narrative:
took this payday loan of {$600.00} back in XX/XX/XXXX. As of XX/XX/XXXX i have paid the full {$600.00} however.. the interest rate is going to be extremely difficult as I just recently became unemployed and i still have another 6 weeks of paybacks that i can NOT afford,. i have XXXX  little girls and a household of financial responsibilities and i can not pay those payouts of {$200.00} each for the next 6 payments,. paying back another {$1200.00} is something i can not afford right now and am not even sure if a interest rate of a about 110 % is even right. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: NY

Complaint narrative:
I wrote to XXXX XXXX and requested a deference. Their email system is closed to me. Even though I have an account with them and they are my loan service company. I would like a deference and that my account be opened with a username and password. I have ended the service with XXXX XXXX and they no longer represented me in student loans repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
XXXX XXXX account added to credit report for amount of {$2700.00}. Then later updated as a collection account through internal collections, XXXX XXXX XXXX. Verification nor validation received upon request. Later received a collection debt letter from ERC, dated XX/XX/2018 stating that they were authorized to resolve account for less than amount owed for {$1700.00}. I sent a validation request to ERC. Received a response letter from XXXX XXXX dated XX/XX/2018 stating that it ( the letter ) received serves as validation that I owe a debt to XXXX XXXX. No documentation was received showing proof of validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/2016, I was involved in a car accident, which totaled out the vehicle. That same week, I contacted West-lake Financial, and submitted a claim to them to let them know what happened. My Insurance was handling the claim to pay out the value of the vehicle, and because I was paying for Gap Coverage, they would handle the rest. West-Lake financial picked up the Vehicle before my Insurance Company could send them the payment for the value of the car. This was also labeled as an Repo on my credit report, which in fact it was not.

I have been on the phone with West lake several times, with no cooperation what so ever. My insurance company claimed that, because they picked up the car, they were supposed to contact them for payment of the value of the vehicle, and they did not.This is severely impacting my credit report, and i just need for this to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: FL

Complaint narrative:
I have in my report late payment in XX/XX/XXXX and XX/XX/2016 late payment XXXX XXXX Account # XXXX.The information is incorrect.I was never late.

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 2019-01-23 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: CA

Complaint narrative:
Send letters didnt respond back

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 2019-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My personal identity was stolen and numerous cards were opened in my name fraudulently without my permission. I called Capital One to make them aware. I believe the day I called was on XX/XX/XXXX. At that time someone from the fraud dept told me the accounts were being closed and they were sending me some information w/in 7-10 days. 14 days had passed and I still had not received anything in the mail. I called again and the mngr in the fraud dept told me someone forgot to mail the info out. The next day I received a call from a manager who claimed to be assigned to my case. I could not answer the call and he left a voice msg stating " the act has been reviewed and they have reached a desiscion '' ( I still have the voicemail ) At that point I immediately called them to complain because they had not sent me 1 letter regarding the fraud and I still had not sent them my police report along with other important information. I spoke to supervisor XXXX in the fraud dept who told me that no one should have contacted me stating that because the acts were still under investigation. I stressed to her that this is ridiculous that someone would call me to tell me this without having any information that I have in my hands. At that time she said that it would take 30-90 days before someone might be assigned to my case and she also stated to not do anything with the act. A few days later I received a notice from XXXX  that my credit score had dropped 81 pts due to being late on a Capital One act. This should not even be on my credit report due to fraud and now it dropped my score 81 pts. I have reached out to Capital One 3 times after this and as of today XX/XX/XXXX I have not heard back. I have attached police report that I have mailed into the XXXX  as well as Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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:
I have in my report late payment in XXXX and XX/XX/2016 late payment XXXX/XXXX XXXX Account # XXXX.The information is incorrect.I was never late.

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 2019-01-23 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: FL

Complaint narrative:
I have in my report late payment in XXXX and XX/XX/2016 late payment XXXX/XXXX XXXX Account # XXXX.The information is incorrect.I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: FL

Complaint narrative:
I have a late payment XXXX and XX/XX/2017 .XXXX XXXX XXXX account # XXXX.The information is incorrect .Please delete the late payment information.

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 2019-01-23 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient is reporting 2 loan accounts as delinquent in XXXX  of XX/XX/XXXX, when in fact I consolidated my student loans and this was paid off in XXXX of XX/XX/XXXX, This loans are listed as XXXX and opened XX/XX/XXXX also XXXX and opened XX/XX/XXXX these loans should never have been delinquent to begin with, I applied for a financial hardship and a deferment that was never processed.

I want these delinquent marks removed from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Automatic Data Processing, Inc.
State: FL

Complaint narrative:
I logged into my account with ADP to get my old employer XXXX  printout and found jobs in my name which I had not worked. This is the second year this information has shown up. I called the company last year ( XX/XX/2018 ) when this first happen and apparently they did nothing. Now I am finding out this person who has been working using my name, and social security number is also using my health insurance to see a doctor as well as for prescriptions. I spoke to both the pharmacy and the Dr. office ( I was told she is XXXX  ) but I'm not sure what is being done to fix the situation.

I am going to try to get a copy of my credit report to see if there is anything else this person may have done using my name/ss #.

I have never lived in XXXX  and yet all these jobs are in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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:
I have a late payment XXXX and XX/XX/2017 XXXX XXXX XXXX account # XXXX.The information is incorrect .Please delete the late payment information.

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 2019-01-23 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: FL

Complaint narrative:
I have a late payment XXXX and XX/XX/2017 .XXXX XXXX XXXX account # XXXX.The information is incorrect .Please delete the late payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: FL

Complaint narrative:
I have a late payment on XXXX and XX/XX/2018 XXXX account # XXXX.The information is incorrect.

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 2019-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: POPULAR BANK
State: UT

Complaint narrative:
I opened a savings account with XX/XX/XXXX and made several transfers from my outside bank totaling {$500000.00} dollars. The purpose of this account was to fund Two Popular direct CD accounts that I opened at close to the same time. Popular Bank put a Fraud Hold on my acct. and would not let me move my money from the savings account to the higher interest rate CD accounts. I called several times trying to verify my identity and have the fraud alert removed from my account and finally they told me to send a copy of a voided check to their fraud dept and wait 4 days and this would fix the problem. I sent a copy of the voided check and waited the 4 days. I again called Popular Bank to inquire why my acct was still on Fraud hold. they claimed they could not read the document I sent them. I opened the email I sent and it is perfectly clear. I finally requested they close my accts and return the money to the outside acct that I sent the funds from that is also linked to the acct. They agreed to do so and said it would take 2-3 days. It has now been 3 days so I contacted them again today. The customer service agent from Popular Bank said my acct is still on fraud hold. This is a very difficult situation and Popular bank fraud dept will not release my fund nor contact me directly to resolve this situation. They are holding all my money and will not return 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 2019-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I checked my credit report today and there was all the sudden, out of nowhere a collection account for this company, XXXX XXXX XXXX. I have no business with them and have never received any documentation for any account through them. This was never on my credit report before as an open valid account like other accounts I have, but all of a sudden they are claiming the account is delinquent and in collections. I want the account removed from my credit report as false information that was never validated. XXXX XXXX XXXX has hundreds of complaints from this company regarding false information being reported to the credit companies and this needs to be stopped/corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My XX/XX/2019 payment was auto drafted for more than double the amount of the payment. I promptly logged into the Shellpoint Mortgage Servicing website and saw that my escrow analysis had been redone. I quickly saw that Shellpoint had forced placed insurance on the home, even though in XXXX  they listed themselves as lien holders on all my insurance policies. These insurance policies have been in place the entire duration of this loan. I also saw they had listed county and school taxes. These taxes are not associated with this home, and taxes are not escrowed with this loan.

I called Shellpoint on 1/2 and explained these errors. They notified me that the correction process would take a few weeks. I have emailed and mailed Shellpoint all copies of my insurance, and sent a letter explaining the errors. I have continued to call back, at least twice a week, for updates. A few times I was told that they would have a resolution by 1/19. Today, I was told they still have no resolution. The taxes still need to be reviewed and escrow analysis done again. My escrow account has not been refunded the erroneous forced place insurance policies. I confirmed with them that I owe a 2/1 payment, and it is still more than double the amount it should be.

How many people can afford to make two mortgage payments in one month 's time? That is what they have done to me, and are trying to do for the second month in a row.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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:
I have a late payment on XXXX and XX/XX/2018 XXXX account # XXXX information is incorrect.

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 2019-01-23 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: FL

Complaint narrative:
I have a late payment on XXXX and XX/XX/2018 XXXX account # XXXX information is incorrect.

Company response to consumer: Closed with explanation