vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-22 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: NV

Complaint narrative:
Incorrect addresses on 3 credit bureaus Please remove all addresses from Alabama off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.

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 2018-07-22 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: NV

Complaint narrative:
Incorrect addresses on 3 credit bureaus Please remove all addresses from Alabama off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.

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 2018-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
In your XX/XX/XXXX response to my complaint you state We did not receive a complete forbearance request from you in XX/XX/XXXX where you agreed to the terms and conditions of the forbearance. Please explain why you are now stating you did receive the forbearance in XX/XX/XXXX when prior you stated you did not. Please also explain what exactly was incomplete about the forbearance you received in XX/XX/XXXX. You go on to state We are unable to retroactively apply a forbearance to your loans, per your request. Please explain why you did just that, in XX/XX/XXXX, despite the forbearance being incomplete as you claim. You go on to state nor will any late fees assessed or interest accrued be removed. Please remove these fees, the interest, and your derogatory XXXX credit agency reporting as previously requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
Gm financial repossed vehicle that was not behind on payments. SOLD THE VEHICLE ABD REPORTED BALANCE ON NY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Sent pay off check they cashed the denies receiving it I sent a copy of proof they cashed the check and they are still play games with my money and maintain their denier they never cash the check, or give me credit and send my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
EOS CCA bought a collections debt from an unpaid XXXX account totaling {$2500.00}. As I am repairing my credit to prepare for a mortgage, I decide to call them to settle the account. I speak to a representative who was very rude, and asked to be transferred to his manager, with whom I came to a settlement agreement with totatling {$1200.00}. Per the manager, the settlement amount would stop all collection efforts and have the account settled in full, allowing a possible deletion of the debt. The stated that they have no way of removing the debt themselves, so I thought, it would be a win-win for the both of us. 

They received the payment by drafting from my account, which I did authorize in good faith that they would honor their promise and update my credit report. They did update it but simply applied the {$1200.00} to the original amount I owed, thus leaving the EOS CCA entry with a remaining balance which was supposed to be zeroed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Back several years ago my credit file got mixed up with someone who has very similar information as mine, they have the same name, and there ssn was a couple numbers different which caused me all kinds of issues. I have made equifax aware of this situation on multiple occasions and they never fix the issues or investigate and show proof of how they got the information. I believe now they get pleasure from seeing what problems these issues have caused me. I need these problems fixed now! See below the issues I'm having. 

I'm worried about a wrong address thats not mine- Please remove XXXX XXXX XXXX XXXX Ky XXXX since this could lead to fraudulent accounts. 

XXXX XXXX- I have 0 accounts and have never had an account go into bankruptcy with them. 

XXXX XXXX- I have no accounts and don't know who they are. 

XXXX I do not have any accounts with this company Target- I do not have any accounts with this company XXXX XXXX??? Equifax allows this company to report information about me even after I've requested information on who these people are, I don't know them and they have never provided me a contract with my name or ssn showing I've ever had an account.

Bankruptcy- I have requested several times that equifax provide me with official court documents with my personal information showing I have a BK, they have never provided me anything but continue listing this information. I have personally called the BK court and have asked several times about how this could happen and they stated information of this nature would never come from them!!! How can I have accounts listed in a BK if no one can provide me with information showing it even belongs to me???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Credit inquiries are not accuarate..

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 2018-07-22 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: College Assist
State: CO

Complaint narrative:
I checked my credit reports to find that College Assist sent my account to collections without notifying me, and reported that my bill was past due as of XX/XX/2018. I never received a bill from them after filing bankruptcy. I AM not aware of the total balance, or a past due date. They would not speak to me about the balance during the bankruptcy, which is the law, but there was no correspondence once the bankruptcy was discharged. How can my account be past due if they never sent a bill? I want it off of my credit report. And I'm fully aware that XXXX, the company with the account now, is not the one that takes it off.

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 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
My identity was fraudulently used to get XXXX XXXX XXXX XXXX cable service by someone from another town. I called the creditor and I they investigated. They could not proof it was me since I live in XXXX, CA. It went away and now they put collections for {$180.00} on my credit report. I have had XXXX XXXX for the last 4 years or so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP
State: AK

Complaint narrative:
A pretend-trustee named XXXX XXXX XXXX registered in many states, based in XXXX XXXX California, is foreclosing illegally on my home. They have never produced any evidence that they have authority to foreclose, and have not even filed an appearance in my current Alaska Bankruptcy Case # XXXX, and have not even filed a Proof of Claim.

This purported trustee is not representing any named trust and is not an actual trustee of any IRS registered trust that holds my mortgage, and has not produced any evidence to this effect.

No assignment of the mortgage on my home to XXXX XXXX XXXX was ever recorded or claimed, or even pleaded by XXXX XXXX XXXX to this day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We had damage to our home after Hurricane Irma. After 9 months the insurance company finally issued a check in the amount of {$120000.00}. By that time we had already taken the money out of our retirement account and the house had been completely repaired. The check was sent to Ditech in XX/XX/2018 as they hold the mortgage on the property. Also sent to them was all documentation requested including a signed waiver of lien and copy of statement from contractor stating payment had been made in full. An inspector from Ditech finally came to do the inspection on XX/XX/18. He submitted his report stating all work had been completed in full and the house had been totally repaired. Our adjuster spoke with Ditech on Tuesday XX/XX/18 and was told the inspectors report had been received and the check had been issued. On Friday XX/XX/18 we received a check for {$18000.00} made payable to our public adjuster. This was the exact amount he was owed. We spoke to Ditech that afternoon regarding the remainder of the funds and were told they were releasing another {$31000.00}. When questioned about the remaining {$75000.00} they responded that it was a lot of money and they had to check with the contractor to assure he had been paid before they released it. They agreed they had the signed release and statement from him showing he had been paid in full in their files but would not release the funds to us. Even though we sent them all required documentation we still have not received any funds from Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: CAB Receivables, Inc.
State: FL

Complaint narrative:
Credit inquiries are not accuarate..

Company response to consumer: Untimely response
Consumer complaint received 2018-07-22 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I checked my credit reports to find that XXXX XXXX sent my account to collections without notifying me, and reported that my bill was past due as of XX/XX/2018. I never received a bill from them after filing bankruptcy. I AM not aware of the total balance, or a past due date. They would not speak to me about the balance during the bankruptcy, which is the law, but there was no correspondence once the bankruptcy was discharged. How can my account be past due if they never sent a bill? I want it off of my credit report. And I'm fully aware that XXXX, the company with the account now, is not the one that takes it off.

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 2018-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I cosigned for an auto loan through M & T Bank for my friend. I've never been late on paying anything in my entire life. On XX/XX/XXXX I received a phone call stating the account was overdue, and I immediately paid the balance. They kept asking me to verify my address, but would not accept my address, as somebody other than myself somehow changed my address without my permission. I then proceeded to ask how late the payments were and if this was going to negatively impact my credit. I was told that it already had. I pulled my credit report, and it dropped 114 POINTS. I asked how this could even be possible, why they never bothered to try contacting me until it was too late. I spoke with 7 different people, and nobody could answer the question. All I was able to find out was that this loan has been delinquent since XX/XX/XXXX, that my cell phone had been put on a " do not call '' list, and my address completely removed from their files. I am the cosigner on this loan and we are both equally responsible for this debt, so why is it that I was never informed it was delinquent- and for 8 months?! The moment I finally received a phone call from them I paid the balance! The last person I spoke with said he would file a dispute, but said their response would be sent to that address on file which is not even mine!!! I am severely concerned that a bank of this size would allow my information to be changed or removed without my knowledge- this is a HUGE privacy concern! And for them to act like it's perfectly normal is another issue. I am upset that the bank failed to contact me, had no respect for my outstanding credit history, and additionally the fact they never reached out could have been due to a security breach. I am taking this step to avoid further potential legal action against M & T Bank for damages to my credit character.

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 2018-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Please see letter of communication sent to the merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Bogus XXXXXXXX XXXX credit card account number ending in XXXX ; Alleged bill of {$52.00} To whom it may concern ; I continue to receive bogus bills from XXXX XXXX for a credit card I did not initiate, authorize or receive, much less use. I continue to receive harassing Robo calls from you XXXX XXXX regarding this. 
You have submitted my name and bogus credit information fraudulently to financial institutions, damaging and defacing my credit history and my name. 
I demand you cease and desist any further harassment and I also demand you expunge any negative reports you have fraudulently submitted. 
Additionally, I want an investigation done at your expense, as to WHO initiated this. 
I want the sales clerks name as I NEVER authorized any such credit card to be initiated in my name. I know the scam that the sales clerks use in order to get their spiff money in closing a new credit account. If they opened up an account in my name without my express permission or if they did not make it clear to me that they were doing so, they AND you are guilty of fraud. 
I have attempted to go online to your website at comenity.net/paymenthelp ; however, not to my surprise, there IS no help there. 
If I do not hear from you in 10 business days with a satisfactory solution in my favor, I will be forced to file a complaint with XXXX and with FTC. 
I know you will do the right thing by your customers, of which I have been a loyal customer of XXXX for many years, and even decades.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-22 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: PA

Complaint narrative:
Experian continues to report on a account that should of been deleted from my credit report months ago. The account is XXXX XXXX XXXX which was settled and I was issued a XXXX. The account should be deleted as Experian is the only credit bureau that is only reporting this account.

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 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: NY

Complaint narrative:
As of XX/XX/2018 there is a collections account from Williams And Fudge showing on my XXXX report for {$6000.00} with XX/XX/XXXX as the date opened listing XXXX  as the original creditor. 
First, I have never owed XXXX any money, and I have received no mail from them requesting money from me. Secondly I have received no notice Williams and Fudge you regarding the debt this is a violation of FDCP. By doing so the company has also interfered with my right to contest and verify the debt. 
This account needs to be removed from my credit report immediately as it is not only frivolous, but the rights allowed to me regarding the matter were infringed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I opened a credit card through XXXXXXXX XXXX in XX/XX/XXXX that was originally through a credit union. In the XX/XX/XXXX, that credit was sold to XXXX XXXX. In XX/XX/XXXX, I received a letter that the check with payment that was sent had the wrong account number on it and a late fee had been charged to my account. I thought I may have typed the wrong account number in when I provided the information to my personal bank ( I pay bills through my account and they sent checks on my behalf. ) So next time, I looked at the statement from XXXX and made sure the account number I was providing was correct. I received these letters each month XXXX-XXXX, but unfortunately, was dealing with other personal things and had not called them to get this resolved. I took a look at the image voided checks and noticed that the account number that the bank prints did look like it was cut off where it's printed at the top ( leaving off the last 4 numbers of the account ) but there is a complete number in the memo line, which must have been ignored by whoever was processing my payments at XXXX. I called and spoke with someone in customer service at XXXX in early XX/XX/XXXX about getting these fees ( and subsequent interest that was charged on the fees ) removed from my account, as the correct account number was on the checks I provided and the fact that the person at XXXX didn't look closely at the check when it was receive isn't my fault. She said she would submit a request and I should see what will be refunded on my next statement. I look at my next statement in early XXXX and saw nothing about this. In XX/XX/XXXX, I received a letter from XXXX ( dated XX/XX/XXXX ) saying " you asked about a late fee that was applied to your XXXXXXXX XXXX credit card account. A late fee may be charged to your account when the minimum payment due is not received by the scheduled due date. Because this requirement was not met, we are unwilling to remove the late fees from you account. '' All of my payments were scheduled with my bank to be received by XXXX BEFORE the due date of the payment. The only reason these payments were " late '' was because they are claiming I didn't provide a valid account number ( of which I have proof that I did ) and they weren't able to apply the payment to my account on time. I have nearly {$400.00} in late fees/interest charges on late fees that was incurred simply because the recipient of the check didn't look at the memo line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX In XX/XX/XXXX we paid {$6000.00} to this company to assist in posting review to our customers experience on our webstore. We also paid 2 more years. In XX/XX/XXXX, we were advised the service was expiring and we allowed to to expire and advised the company of the same. They claim that we can not terminate the service ( even though it is for future services ) and they have created collection and intimidation efforts on this false debt. We have been very clear that this debt is not owed, they are not entitled contractually for any subscription type of future service, and they have ignored.

XXXX XXXX has a huge amount of negative review and a D- rating with XXXX XXXX XXXX . They use intimidation and aggression. 

They state they will stop if we pay them {$6000.00} for a future year of services and we will not allow this extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
this company appear on my credit report after i told them to send me provide/ contracts of debt.

Company response to consumer: Closed with explanation