vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Sent letters in XXXX, XXXX and in XXXX regarding balance on accounts account was sold from one creditor to another and amounts are incorrect and I havent gotten any response on where the balance came from or notice of correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACS Education Services
State: CA

Complaint narrative:
Conduent Education Services ( CES ) and XXXX : Are reporting against my credit in XXXX of 2017, as a combined report. 
I just learned about this and could not dispute this. 

How are two different companies reporting late payments and why wasn't I notified? 

I need the following since all my student loans were all appropriately deferred in 2017, in all fairness, I am requesting the following ( original documentation for inspection at my home address ) verifying when these two separate companies, which are now combined on my credit report did any of the following : ( 1 ) When they contacted me in 2017 and what address they utilized to notify me ( both individually XX/XX/XXXX and CES ) - original documents needed for review ). 

( 2 ) When they verify that they were a new loan server in 2017 and what address they utilized to notify me ( both individuallyXX/XX/XXXX and CES ) - original documents needed for review ). 

( 3 ) I looked online CES and XXXX are two different companies ; how, are both reporting the same XX/XX/2017 late payment??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
please do NOT close complaint XXXX, Caliber Home Loans is trying to pretend that they didn't remedy the situation, I have added notes to the complaint dated today XXXX XXXX, 2020, the XXXX  XXXX  Birthday ironically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/20 I sent out XXXX letters to all 3 credit bureaus Transunion, XXXX, and XXXX. The letters detailed my disputes of the accounts that the bureaus are reporting inaccurate information on my credit profile. Its been over 60 days and I have not received any information on the results of the investigation from the bureaus.

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 2020-11-11 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: CO

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics. I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX # XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
In 2013 I paid off or settled all accounts on my credit report this one included. This debt was originated with the state of Illinois over 20 years ago. This collection agency has attempted constantly to reopen this collection by saying the State of Illinois asked them to. This is untrue and I have spoken to the State of Illinois and was told this agency is acting on their own and possibly manipulating the law. I owe them nothing, and will never pay on an account I settled, with one of their agents over 7 years ago. As a senior citizen and a veteran, it is very disheartening seeing this type of company preying on the old. Again all credit reporting agencies will be able to confirm this debt was settled and taken off my credit report in 2013. It should also be noted this company tries to portray they are connected or approved by the XXXX XXXX XXXX there is no proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX  XXXX  XXXX {$92.00} XXXX  XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$1900.00} XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1500.00} XXXX  XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX  XXXX {$730.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX  XXXX  XXXX {$92.00} XXXX  XXXX  XXXX {$100.00} XXXX XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1500.00} XXXX  XXXX  XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX XXXX {$730.00} FRAUDULENT  APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$730.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
I refinanced my mortgage using XXXX earlier this year. I received notice that TMS ( a part of XXXX ) would be servicing my mortgage. I set up autopay like I have for many mortgages Ive paid in the past and thought nothing of it. The first day after my payment should have been withdrawn from my bank account I checked my back and the money was still in my account. No problem at this point, maybe I screwed up. I called customer service verified the account number, setup autopay again, and paid my mortgage on time. The next month it happened again. I escalated the issue after reading other customers were having similar issues. Again paid my mortgage on time after an hour speaking with the service rep. The next month ... which triggered this complaint ... it happened again. The service rep was in complete disbelief that her system was at fault. After she read the detailed notes of the month before she realized this was a greater issue on my account since payments continued to fail to be processed. 
My compliant is twofold. 1. TMS needs to get its act together. 2. Why is there not an option for a dissatisfied customer to simply change mortgage service providers?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month. I still see multiple 120-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: CO

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics. I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX acc # XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-11-11 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: CO

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics. I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX acc # XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Recently I checked my consumer credit file and noticed XXXX XXXX ran my credit without my permission and sold car ( s ) to someone that was not me. I have tried to work this out with them and the refuse to remove this form my credit report. I have filed a police report with the XXXX XXXX, CA Police Department XXXX Report # XXXX XXXX. I have also attached an ID Theft Report from the FTC. I am requesting that the CFPB inquire into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am in the process of trying to purchase a home. In XXXX I pulled all three of my credit reports. When the lender pulls my credit now for pre-approval of a home loan EXPERIAN returns with no hits. This has been done by more than one lender, btw. I have called several times since XXXX to run into a dead end. They have mailed me my report so I exist. However I dont exist when my credit is pulled using my name, ssn and dob correctly. When I log onto the EXPERIAN website and pay for my credit report the last one in there system is XX/XX/2020, it will not update although I have paid for the service. I called about this as well. They tell me a supervisor will call me back within 3 hours its been 3 months. I have emailed them with no response. They have escalated tickets they say to address the issue with no response. I have written a certified letter to get help. Today when I went to annual credit report.com it came back Experian reported incorrect information this transaction can not be completed. This has been going on to long and I cant not get help to resolve the issue to get my home loan approval. Please advise asap it is greatly appreciated,

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 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I was shopping online on the XXXX/XXXX  website for exercise equipment. In the process, the website stated credit terms and invited me to see what limit I would qualify at. I filled in the requested data and an amount was listed. I selected an item and placed the order. About two days later, I received a letter from TD Bank that my credit was denied. I immediately contacted XXXX and canceled the order due to the credit denial letter. The product was never delivered. I then began receiving statements from TD Bank that I owed them over {$500.00}. I explained to TD Bank what happened and sent them a copy of the denial letter. They continued to bill me even though I never purchased anything. When I contacted them they continually denied my requests for a review and threatened to contact my employer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I applied for a mortgage refinance from same lender. I have signed up for receiving my documents via email only from the lender for my existing mortgage. Inspite of that lender sent me loan diclosure for refinace through USPS. Now, due to election USPS delivered my package to wrong address. 
People who received my package delivered my package to me but not before they opened it. I can not do anything since per law they claim that they have opened it by mistake. 
And to my surprise, New Rez doesn't even mask PII like SSN on the loan disclosure document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
My ssn has been compromised!! I was trying to get credit karma on my phone and I believe I was hacked!! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I review my credit report and I saw IC systems listed I contacted IC systems and was told they were placed on my credit from a previous bill with XXXX I went ahead and set up the date on Monday, XX/XX/XXXX I contacted IC systems in a attempt to receive documentation that I previously owed the debt I was informed by them that I needed to contact I XXXX so I contacted XXXX customer service I was informed they could not email me anything however I could go into my local Xfinity store and receive up to 12 months worth of statements I proceeded to the store on Monday and I was advised that they have a new system and they can not give me any documentation showing my previous Debt due to the debt been from XX/XX/2015 the customer service employees informed me in the store that I would need to contact IC systems to get documentation of the previous debt owed I have been given the runaround and I am only asking for proof that I did in fact old XXXX for services that was rendered back in 2015.

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 2020-11-11 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: MoneyLion Inc.
State: CA

Complaint narrative:
I recently got an alert from XXXX on the XX/XX/XXXX that MONEYLION flagged my account or marked as charged off with this particular loan account which I hav never took out. The date of the said loan was on XX/XX/XXXX. The loan was cancelled already. I cancelled immediately when I applied for that. The customer service on chat even confirmed me that indeed the loan was cancelled l. It shows a balance if {$150.00}. I filed a dispute already but according to their credit report dispute department the credit report was accurate. It doesn't make any since there was actually no existing loan and it has been voided. It lowered my credit score for more than 25 points. I filed a dispute from XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NY

Complaint narrative:
This XXXX bank doesnt value me or my business they refuse to process my credit card applications send me a XXXX letter saying Im high risk

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 2020-11-11 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: AZ

Complaint narrative:
XXXX XXXX Is reporting that I owe {$280.00} acc # XXXX and {$490.00} acc # XXXX The accounts show that the account was opened XX/XX/XXXX, and the other XX/XX/XXXX which is incorrect, It was requested that proof and validity of debt was provided, and sufficient evidence was not provided

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