vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law establishedXX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: IL

Complaint narrative:
Been trying to resolve this issue with XXXX, XXXX XXXX, XXXX XXXX, XXXX, and all 3 credit bureaus for over a year now with no success. I have submitted them copies of ID to support when the XXXX XXXX XXXX was open inXX/XX/XXXX i was not living at the address nor was I of age to have a credit card account not today I am XXXX yrs old two years ago I between XXXX-XXXX years old. I have requested debt validation and all the creditors keep supplying me with are statements ; they have not supplied me a contract bearing my signature of an account that was open in the address I lived in at that time. Attached you will find my state ID which was issued XXXX which reflects my address at that time which is not the address where these accounts were opened, merchandise shipped, statements sent etc.

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 2017-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
X/XX/2017 Thursday @ XXXX, {$620.00}, the store manager XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX Ph : XXXX right off the bat during the welcoming into the office displayed by the Manager XXXX actions of hatred towards myself in front of my wife, all while she harassed me, with a hostile, tone by disrespecting my wife and I used all while using Abusive Misconduct Language being very rude, ill minded, demonstrating poor Unprofessional MisBehavior in public on office site grounds. 
All in the event of my wife and I walking in to open a new loan under her name. 
XXXX XXXX the Manager instantly verbally attacked me pushing for me to make a payment, when my loan account had been charged off. this so called manager did n't have the common courtesy and Respect, Integrity nor decency to apologize to my Wife and I for such ill display of misconduct with negative impulsive behavior and has made such a negative impact we the way there business practice are handed. my wife and i realized that XXXX XXXX the manager was actually threatening me in front of my wife in order to attempt to collect a charged off account debi. 
XXXX XXXX stated while claiming that I owed her money that it was her money she lend me. I avoided engaging in any form of conversation due to XXXX XXXX the manager 's low childish standard display of unprofessional attitude and misbehavior that was being projected to deliberately pushing and provoking to instigate some type of argument. which she was using her authority position as manager in instill fear and create scare tactics in order for myself to pay her something. I told her, No that I was n't going to make no such payment especially displaying such hostile, insulting and offensive tone, attitude, and immature manner. After her outburst of Rage, I remain clam and kept my composure only for the reason that My wife and I needed to take out the loan due to a emergency of personal private matters. I inform the Manager that I will be coming back to discuss filing a Complaint and she laugh.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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 is stating that I still am delinquent on an account I never opened account # XXXX. I have disputed this with XXXX, Experian and XXXX itself. Please help! Date opened said date XX/XX/XXXX. with a balance of {$2300.00}. My question I keep asking them as well would be how could you ever get a bill that large ..they turn off accounts after 1 month of no pay which leads me to someone giving fraudulent amounts. Thank you so much for your attention on this matter XXXX 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 non-monetary relief
Consumer complaint received 2017-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I borrowed {$700.00} from target cash or target finance is what it says on my bank statements. I got the loan over the internet. For a loan of {$700.00} starting on XX/XX/XXXX they 've taken XXXX at the beginning of the month in which I 've paid {$890.00} at an interest rate of 742.63 % I 've paid them beyond what I borrowed and may owe a little more but they are expecting a total payment of {$1900.00} in total by the time I 'm done which wasnt expected and I ca n't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: MN

Complaint narrative:
This is my third complaint in regards to being a victim of identity theft and a fraudulent and unauthorized account and hard inquiries listed on my XXXX XXXX, XXXX and Equifax credit report. I have filed 2 police reports in regards to the fraudulent and unauthorized account and hard inquiries listed on my credit report. The following account and hard inquiries are fraudulent, unauthorized and do n't belong to me, I never applied for any account or hard inquiries with the following creditors : XXXX XXXX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX-XXXX,XX/XX/XXXX, XXXX XXXX-XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: CA

Complaint narrative:
Every month the creditor reports a {$1.00} increase to the balance owed - this amount is not monthly interest, I have not agreed to a payment plan so it 's not late fees, there has been no agreement of any kind that would warrant a monthly increase of {$1.00} to the balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: MN

Complaint narrative:
This is my third complaint in regards to being a victim of identity theft and a fraudulent and unauthorized account and hard inquiries listed on my XXXX XXXX, Experian and XXXX  credit report. I have filed 2 police reports in regards to the fraudulent and unauthorized account and hard inquiries listed on my credit report. The following account and hard inquiries are fraudulent, unauthorized and do n't belong to me, I never applied for any account or hard inquiries with the following creditors : XXXX XXXX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX-XXXX,XX/XX/XXXX, XXXX XXXX-XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/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 non-monetary relief
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
There is currently a property tax placed on my credit report that is fraudulent and preventing me from renting an apartment. The original creditor is XXXX XXXX. Upon moving out they claimed there were many damages that did not exist. It is now owned by Credit Bureau Associates. The amount is {$1800.00}. I can not get housing because of this. I had no chance to defend myself. The damages they claim simply do not exist and there is no evidence of it. I am currently XXXX and need to obtain low income housing. I need to have this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: ND

Complaint narrative:
I am a victim of identity theft. I have filed and sent numerous complaints and police reports with the case numbers in regards to fraudulent accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following accounts and hard inquiries are fraudulent : XXXX, XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX. I been receiving harassing and threatening telephone calls from representatives from XXXX XXXX in reference to a fraudulent account that do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: MN

Complaint narrative:
I am a victim of identity theft. I have a fraudulent account and hard inquiry listed on my Trans Union and XXXX credit report that do n't belong to me. The following account and hard inquiry is fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/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 2017-08-25 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: MN

Complaint narrative:
I am a victim of identity theft. I have a fraudulent account and hard inquiry listed on my XXXX XXXX and Experian credit report that do n't belong to me. The following account and hard inquiry is fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2017-08-25 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: MN

Complaint narrative:
I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my Trans Union, XXXX and XXXX credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/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 2017-08-25 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: MN

Complaint narrative:
I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: MN

Complaint narrative:
I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, XXXX XXXX,XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2017-08-25 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: ND

Complaint narrative:
I am a victim of identity theft. The following XXXX credit card account listed on my Trans Union, XXXX and XXXX credit report, is fraudulent and someone made fraudulent transactions using XXXX credit card account : 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 2017-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
When I saw there was a {$840.00} negative account on my credit report when attempting to purchase a house inXX/XX/XXXX, I notified the credit bureau that I was not aware of this charge on my account. Subsequently the creditor ( Midland Credit Management Inc. ) sent me a response on XX/XX/XXXX stating that they were unable to determine the nature of my dispute and denied that their records were incorrect. Phone calls continued to come to my home phone, letters requesting payment of the debt and eventually they filed a lawsuit against me. My only issue with this all is that they expect me to pay for a bill that someone from Mississippi made. I have never lived in Mississippi and do not know anyone who lives there therefore did not feel I was obligated to pay this debt. My court date has now been set for XX/XX/XXXXand I have to put time and money into a debt that I did not make. Can you assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Usaa would n't credit my account with an international wire even though I had documentation proving it was mine. The company wo n't do anything to help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I purchased furniture at Ashley 's furniture in XXXX 2016 ( total {$3100.00} ) and signed up for a 24 month same as cash credit card. After a year of paying on it, I was hit with {$960.00} in interest. I looked at my paperwork and the comments state " stars and stripes no interest 24 months tax. Below that it shows they only gave me the 12 month same as cash credit card. I have worked with the District Manager and they will only credit me back 1/2 the interest because they say it was signed. I have asked for the original paperwork ( with signatures ) 4 times now and they still have not sent it to me. I only have the paperwork that does not have signatures. So what I " thought '' I signed up for, I did not receive. I feel like they should honor the 24 month interest that I was promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AR

Complaint narrative:
On XX/XX/XXXX, I was XXXX XXXX and XXXX from the XXXX XXXX XXXX Military. The primary reason was XXXX, and I was awarded XXXX XXXX XXXX pension. I appealed the decision effectictive in XX/XX/XXXX. On XX/XX/XXXX, I had XX/XX/XXXX, which was one of my main medical complaints. I have XXXX of the XXXX ( XXXX XXXX XXXX as well as XXXX and XXXX of the XXXX ) and XXXX of the XXXX. I am still having XXXX XXXX XXXX and problems and taking XXXX medications through the V.A.. The V.A. is talking about possible XXXX again on my XXXX and XXXX XXXX. They have also discovered I have XXXX of my XXXX XXXX  and XXXX, as well as XXXX of XXXX XXXX XXXX. The V.A. also determined that I have XXXX XXXX and / or XXXX in my XXXX XXXX. All the above is under appeal STIIL and it 's the Department of Veteran Affairs. The state Social Security XXXX denied my claim stating that under their rules, with my education, training, and experience, I can still perform certain jobs. They are wrong and I will be appealing again. I XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and so on without severe pain.
Anyway, since all of this started, I have been out of work and trying to live off my XXXX XXXX XXXX pension from the military. I missed one payment a while back, and Vanderbilt Mortgage DID take that payment and put it to the end of my mortgage. I missed another payment, then only made a partial payment because my truck broke down ( which I can not afford to fix ) and had to have it towed a long distance costing me a good chunk of money. Now, Vanderbilt Mortgage is no longer willing to work with me and are saying I am 2 and 1/2 months behind on my mortgage. I get paid. Once per month at the end of the month. I make my payment online the day the money hits my account. Vanderbilt works off electronic checks. They keep charging me almost {$20.00} late fees each month claiming I am paying late. I tried to modify my mortgage by extending it to lower my payments, but was denied because " I do not make enough money ''. Then I get a letter stating that they are under th impression that I can NOT make my payments anymore and offered me {$500.00} to be out byXX/XX/XXXX. I received that letter on Saturday, XX/XX/XXXX. Then I got another letter stating that they are attempting to help me, but I am not willing to make the effort. WRONG! It is the exact opposite. They are not willing to work with me or help me in any way. They are already charging me over 10 % interest. They wo n't even explain to me how they figure I am past due by 2 1/2 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been paying navient for what feels like forever, I believe its been 5-7 years I have been baying and due to financial struggles I had no choice but to put in forbearance here and there. However, I have been paying but my loan is not budging not going down at all, honestly it feels like it increased, I only borrowed less than 5000 and still after years of paying its only at 4700 something, its not right. Im a single mother and Im trying to pay what I can but im getting no where. I know paying XXXX dollars does n't for 7 years means its paid off by any means but XXXX dollars for a few years should have definitely brought my total down to at least 3000 if not a little less.

Company response to consumer: Closed with explanation