vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-03 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:
According to EQUIFAX, XXXX XXXX XXXX said they had verified an outstanding credit of {$230.00} with XXXX XXXX XXXX XXXX. The debt is not my mine. I asked for a copy of a agreement with XXXX XXXX XXXX XXXX, bearing my signature, a copy of the XXXX XXXX agreement with XXXX XXXX XXXX granting right to collect on the alleged debt, and copy of XXXX XXXX XXXX state license as a debt collector. However, they will not provide proof of their claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I have had an IBR on file with the XXXX XXXX XXXX website since XX/XX/2007. The loan servicer has refused to acknowledge or honor the IBR on file, rather demanding that I submit individually to them, then not acknowledging receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX transferred and recorded a mortgage assignment using XXXX XXXX XXXX  Loan Number. 

In addition, XXXX XXXX XXXX XXXX did not utilize a Power of Attorney when conducting a real estate transaction. 

The XXXX XXXX XXXX XXXX indenture expired.

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 2018-08-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Control Technology, Inc.
State: MI

Complaint narrative:
The company ACT debt collectors call me at my work desk phone and work cell phone. They have called me after XXXX XXXX as well. I have asked them not to call me as I put this under bankruptcy years ago.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I am currently in the process of a divorce and I am not able to pay on 2 of my pay day loans. I am wanting to seek help for this because I don't want my wages to get garnished if they can end up doing so. Thanks for the help. The date for my cashnet loan has been in effect for 2 years now and I payed them monthly payment for 8 months and then had to stop do to financial issues and now my divorce. My loan with check into cash I had only had for a year but I can not repay that back right now also due to my divorce. 

XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
According to XXXX, XXXX XXXX XXXX said they had verified an outstanding credit of {$230.00} with XXXX XXXX XXXX XXXX. The debt is not my mine. I asked for a copy of a agreement with XXXX XXXX XXXX XXXX, bearing my signature, a copy of the XXXX XXXX agreement with XXXX XXXX XXXX granting right to collect on the alleged debt, and copy of XXXX XXXX XXXX state license as a debt collector. However, they will not provide proof of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
I was called and a voicemail was left stating it was an attempt to collect a debt. I returned the call and someone verified they had no information regarding my phone number. This was a scam attempt and the company should be looked into. The phone number originated from XXXX but the callback number provided in the voicemail was XXXX. I requested to be removed from their call list, but could not confirm that actually took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit bureau is in direct violation of GRAMM- LEACH BRILEY ACT, 49 CFR 801.56, FCRA , FDCPA and various consumer protection laws.

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 2018-08-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern I XXXX XXXX submitted some accurate documentation to the Credit Bureaus are continuing to report inaccurate information to my credit profile.I have two account that are being reported as late and I've never been late on any of my account. I will up load documents to support the above statements. These account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I did my dispute with the credit bureaus for one late that was reporting on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the bureaus went into my credit profile and reported additional inaccurate fraudulent activities on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 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: DISCOVER BANK
State: NC

Complaint narrative:
I have contacted Discover Bank numerous time via USPS mail requesting information on the account, because the account does not belong to me. I have requested applications that was submitted, contracts that could have been signed anything. But they have refused to answer. This account has not been proven to belong to me, or how it was established.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have since paid off his loan, but approximately 5 years ago I had an auto loan with Bank of America. I paid my normal monthly payments and occasionally I would make a principle payment additionally. I discovered that not only was interest charged, and rightfully so, on my regular payment, but that I was also being charged interest on my principle payment. Essentially Bank of America was making me pay interest on my own money. They only credited me when I complained. I submit this to you as there is no telling how long this has been going on or to how many other consumers this has happened to, namely being cheated by this fraudulent tactic. I realize I probably should have complained sooner but I did not know how to go about it until a friend told me about CFPB.

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 2018-08-03 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: Checkr, Inc
State: ID

Complaint narrative:
In XX/XX/XXXX and XX/XX/2018, I received several emails from a company called Checkr that claimed to be doing a background check for XXXX. 

I have never applied to work for XXXX. I never had any dealings with XXXX or Checkr. The information in the emails that I received clearly belonged to someone else. One of the reports attached to an email contained someones date of birth, the last 4 digits of their SSN, their DL number, zip code, etc. 

I called Checkr, and told them about the problem. XXXX, the person I spoke with on the phone from Checkr, said that he had no record of any emails ever being sent to me. I forwarded him the emails, to show that Checkr did in fact send me several emails, many of which contained someone else 's personal sensitive information. 

This is a dangerous data breach, and Checkr did seem to take it very seriously, in terms of getting to the bottom of the issue. I still have no idea ( 1 ) why I received these emails with someone else 's sensitive information, ( 2 ) why Checkr had no record of sending them, and ( 3 ) what Checkr plans to do about it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I borrowed money to pay for my XXXX XXXX  Degree and graduated in XX/XX/2009. I began paying on said loan at that time and have since. My balance still shows that I owe the same amount that I owed back in XX/XX/2009. Navient is the managing entity and always has been. Once - I was placed on payment deferment without my request or permission just because I was taking a class to advance my employment that I was paying for myself. I wish to know what my rights are and what actions I can take.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: GRANITE STATE MANAGEMENT & RESOURCES
State: NH

Complaint narrative:
My student loans that have been rehabbed are being report twice on XXXX and XXXX. Exact same loans one showing current the other showing close derogatory. The is wih Granite State Management. So its 12 on each report. XXXX will not let me dispute this at all because I dispute back in XX/XX/2017 about the amount owed. 
This problem is sinking me. I need help. Other than this my credit is in very good shape.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Uber Technologies Inc.
State: MO

Complaint narrative:
On XX/XX/2018 at XXXX I took an Uber ride in California . I had it setup to  charge a differnt card on file. Well for some reason Uber claims the charge didnt go through which I beleive it did. I had it setup on a virtual credit card. Well on XX/XX/2018 Uber decided to just randomly pick a differnt card even though I never authorized them to charge my card ending in XXXX charged it on XX/XX/2018 in the amount XXXX which was 6-days later. This charged was NEVER LEGALLY AUTHORIZED by me to allow UBER To charge this car. 

I submitted a complaint for a full refund. I was going back and fourth with uber for over a week now. Each time getting a diferent customer service rep with a differnt answer. 
But finally on XX/XX/2018 I was told by UBER that I would be getting a FULL REFUND to my card ending XXXX. 
After waiting a couple days on my refund it never came. So I reached back out to Uber to ask them to were is my refund and then I get a different answer that I wont be getting one. This company told a LIE, then said I would be getting one. 

So basically they illegally charged my card which I NEVER AUTHORIZED, then told me I would get a refund. Then changed their mind and said no I wouldnt. I beleive thier business pratices is ILLEGAL. 
Not to mention I requested a supervior, or manager call me to discuss this situation but the only thing I do is keep going back and fourth with UBER in regards to the charge. I am requesting a FULL REFUND IMMEDITATLEY. 


XX/XX/2018 DEBIT CARD DEBIT / XXXX UBER TRIP XXXX auth # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express keep allowing someone to cancel and send my credit card to another address in another state. I have set up passwords, 4 digits codes, changed my email address like they requested and still they allow someone to send a card to another state. I talk to someone on Monday XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 about this problem and they still allow this to happen. The only answer I get from this company is that they are sorry and they are working on the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I have sent PNC a Payoff for my Second Mortgage. The Title Company XXXX the Pay off Check and PNC accepted and signed for the Check on XX/XX/XXXX. Since this time I have been on the Phone with them Daily to try to get them to Pay OFF my second. As of XX/XX/2018 the payoff from the Title company still has not been posted or cashed and now I have the Collection Department contacting me about the monthly payment. 

PNC has confirmed that they have Signed and received the Cashier Check but can not explain why they have not Paid off or Closed my account Any help you can provide I would appreciate it Today is XX/XX/2018 and I am formerly writing a complaint against PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted XXXX XXXX  numerous time via USPS mail requesting information on the account, because the account does not belong to me. I have requested applications that was submitted, contracts that could have been signed anything. But they have refused to answer. This account has not been proven to belong to me, or how it was established.

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 2018-08-03 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: NC

Complaint narrative:
I have contacted XXXX XXXX  numerous time via USPS mail requesting information on the account, because the account does not belong to me. I have requested applications that was submitted, contracts that could have been signed anything. But they have refused to answer. This account has not been proven to belong to me, or how it was established.

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 2018-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
Caliber Home loans is responsible for my homeowners insurance. XXXX XXXX is the underwriter for my insurance ( or lack thereof ). On  XX/XX/2017 Caliber paid {$1000.00} for my then current insurance premium ( this # was taken from Calibers ' website for my account ) and when I look at my insurance documents from XXXX XXXX this is the amount they show for the premium. I recently filed an insurance claim for wind damage to my roof only to have XXXX XXXX tell me insurance lapsed last year due to a payment discrepancy. Caliber shows they paid, XXXX says they didn't and at the end of the day I'm left holding the bag. I seriously need help with this. Thanks for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted Bank of America to verify a principal forgiveness letter my wife and I signed and they told me that they could not find the letter for me to find it and submit it to B of A, we signed that letter on or about XX/XX/XXXX or XX/XX/2011, the bank manager kept the letter and I dont believe they offered me a copy, so Im wondering what happened with the letter.

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 2018-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been trying to refinance with XXXX XXXX  since XX/XX/XXXX. I found out that I have a lien on my property from XXXX XXXX XXXX from XX/XX/XXXX for a line of credit XXXX in which I owe XXXX dollars on. I have the property title report from XXXX XXXX  dated XX/XX/XXXX that shows GMAC Mortgage on title report. I also went to XXXX XXXX County recorder and pulled Deed of trust and assignment of rents to see if I had full reconveyance I did not. I also pulled credit report from all 3 agencies no judgments. GMAC Mortgage did not close out this account. Since XX/XX/XXXX GMAC no longer does business I have called Ally Bank which took over some of GMAC loans in which XXXX said I am not with them XXXX XXXX verified me by social security and property address. I also contacted OCWEN the debt collector that bought GMAC debt they also verified that I am not with them either. I also found California civil code 2941.7 statue of limitations it has been well over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
I have been contacted numerous times over the last 2 years by Diversified Consultants. I sent multiple letters and verbally asked them not to contact me anymore unless they mailed me a breakdown of the detailed charges. Kept getting phone calls, in XX/XX/2018 I sent a certified letter asking not to contact me/3rd parties, etc. and again requested details of charges. The only thing I received is a letter with XXXX XXXX XXXX letterhead my name and an address.I again started receiving calls XX/XX/XXXX/XX/XX/2018 requesting I make payments. I had to state again about certified letter asking not to call or I will take necessary steps to end contact. Some creditors have removed charges, but they keep reporting them back to other creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 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: NH

Complaint narrative:
My student loans that have been rehabbed are being report twice on Equifax and XXXX. Exact same loans one showing current the other showing close derogatory. The is wih XXXX XXXX XXXX. So its 12 on each report. XXXX  will not let me dispute this at all because I dispute back in 2017 about the amount owed.

This problem is sinking me. I need help. Other than this my credit is in very good shape.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: NH

Complaint narrative:
My student loans that have been rehabbed are being report twice on XXXX  and Experian. Exact same loans one showing current the other showing close derogatory. The is wih XXXX XXXX XXXX. So its 12 on each report. Experian will not let me dispute this at all because I dispute back in 2017 about the amount owed.

This problem is sinking me. I need help. Other than this my credit is in very good shape.

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 2018-08-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I've attempted more than 5 times to submit a dispute online with Equifax at their website : https : //www.equifax.comXXXX  and everytime it states that the information that I entered does not match their records. I was able to successfully submit dispute with XXXX  and XXXX in regards to the same account ; XXXX XXXX for amount of {$600.00} opened XX/XX/XXXX. Investigation has been conducted and found in my favor that I did not own this account. However, online is impossible to submit dispute with Equifax and today XX/XX/XXXX I have been calling all day to the number : XXXX and XXXX and every representative states that their undergoing system updates and can not assess anyone 's account to call in 30 minutes and this has been going on since XXXX XXXX XXXX!

Company response to consumer: Closed with explanation