vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 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: FL

Complaint narrative:
I 'm in the process of buying a home, my lender pulled my credit and an account just reported XXXX XXXX # XXXX by Transunion for {$10000.00} collection account which is NOT mine. This is false information I called XXXX XXXX # XXXX XXXX they do not even have my social in their system. This needs to be removed ASAP. AGAIN THIS IS NOT MINE AND NEEDS TO BE REMOVED. Your company 's inaccurate reporting is costing me a lot of money and to buy a home. PLEASE HELP ME

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 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have been paying for USAA 's ID Theft & Monitoring Solution Services for several years now. A year ago I suffered identity theft and credit card fraud. I contacted USAA immediately and they. While slow in reacting and requiring intervention by the CEO 's office, as USAA repeatedly re-entered the same fraud claim multiple times, they issued credits for the fraudulent charges. A year later USAA reversed the billing dispute against regulation Z of the consumer protection laws billing dispute time frame and without actually truly investigating the fraudulent charges, relying on circumstantial evidence. <P/>This complaint however is in regards to the paid theft fraud assistance resolution and paid identity theft insurance policy provided with this paid service. In contacting the dedicated fraud resolution expert, they offered no assistance at all. Not even in helping to finish removing fraudulent hard pulls on my credit reports. <P/>Furthermore, despite paying for the service I am unable to view or access the majority of services that come with my subscription. USAA restricted my access and has continued charging me. I am unable to view any alerts, including monitoring alerts, any of my credit scores, internet scans, or reports. <P/>Lastly, when I inquired as to how to access and file a claim with the Identity Theft Insurance policy that comes with this subscription, I was told they were n't sure and given no further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CASHCALL, INC.
State: MN

Complaint narrative:
I am getting continued calls at my place of employment from CashCall. I have asked them repeatedly to stop calling, XXXX XXXX and XXXX XXXX are two of the dates I can recall. When I asked them to stop this XXXX person said she would once my debt was repaid.

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 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are inquiries on my credit file that I did not authorize. I 've written and mailed out a letter stating to remove unauthorized inquiries on my credit files and sent this through certified mail to ensure delivery. I do not recognize nor did I authorize the inquiries listed in the letter that I sent to the credit bureaus. The bureaus received a detailed copy of my letter with identification.

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 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are inquiries on my credit file that I did not authorize. I 've written and mailed out a letter stating to remove unauthorized inquiries on my credit files and sent this through certified mail to ensure delivery. I do not recognize nor did I authorize the inquiries listed in the letter that I sent to the credit bureaus. The bureaus received a detailed copy of my letter with identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I had many occassions when I asked for relief on my loans and was offered forbearance instead of deferment which caused my student loan debt to go over 200,000.00 which caused me tremendous XXXX XXXX  and financial problems before I was able to finally have these loans forgiven due to XXXX. This occurred approximately between XXXX-XXXX. I was also offered a extremely huge payment for an income repayment plan that I was told was all I qualified for. This process of being offered options that were not affordable for many years was vey stressful, discouraging, and hurtful financially. We had to file bankruptcy many times over these years due to student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Report shows XXXX hard inquiries where only XXXX are valid. ( does not show on XXXX ) XXXX XXXX XXXX in a week due to their own error losing my account information. Should be XXXX valid inquiry only. <P/>XXXX XXXX shows XXXX inquiries on same day for same service. A duplication that should appear as only XXXX valid inquiry. <P/>XXXX appears even though I never applied to XXXX for any services. Invalid inquiry either mistake or fraud.

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 2017-07-07 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: AES/PHEAA
State: NY

Complaint narrative:
It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with AES XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by AES until XX/XX/XXXX. I sent AES an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Corporation
State: GA

Complaint narrative:
I have made numerous attempts to Receivables Management Corporation located at XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX to validate my alleged accounts with them after receiving threatening and harassing phone calls. My request for validation is responded to with form letters stating they have no duty to provide verification. <P/>This company is in direct violation of the FDCPA. I have requested the account be returned to the original client for further validation, but they have refused. <P/>XXXX is stating I have an outstanding balance of {$2700.00} from XX/XX/15.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
I had XXXX XXXX completed in XX/XX/XXXX/XX/XX/XXXX at XXXX XXXX XXXX, XXXX, PA. Unfortunately, a few of the billing codes were wrong and some payment was denied. I called the insurance company and received the codes that they will pay this bill under. The hospital told me to have the doctor send a new script to the lab for the purpose of rebilling. <P/>My doctor sent the new script to the lab on XX/XX/XXXX and confirmed receipt of the new script. As far as we knew they rebilled the insurance company. The. In XX/XX/XXXX, I received a call from Medical Data Systems stating that the bill went to them for collections. I told them what was going on and gave them  the new codes to have the hospital bill under. I had n't heard that anything was n't paid or done by the company. <P/>On XX/XX/XXXX, I checked my credit report because we are a victim of fraudulent use of our social security numbers ( caused by a breach at XXXX XXXX ). I saw that Medical Data Systems is now on my credit report. I called XXXX XXXX XXXX billing and they tell me they have never rebilled the insurance company, never received codes from the collection agency and that they do n't have the new script. I told them I will fax a copy of it over to them. And will do so later today. Unfortunately, they wo n't pull this from the collection agency. <P/>I then called Medical Data Systems, XXXX XXXX, FL to find out what is going on and why they never forwarded the correct information to the hospital. They told me that they they personally rebilled the insurance company and 48 hours later the insurance company told them that three of the codes were unbillable. I gave them five codes. They also billed a year after the second script was sent to the hospital so the codes may have changed. That is not my problem. This should have been done right from the beginning. <P/>The hospital billing dept. has been reported to the insurance various times for fraudulent billing resulting in us supposedly owing them money. The insurance company has been able to fix those " errors '' but ca n't this time because of it being an issue with coding. This company is single handily ruining my credit for issues that are really their own fault.

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 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I made a purchase with a XXXX on XXXX XXXX 2017. The amount should have been {$79.00}. However, I was incorrectly overcharged by the company they charged {$190.00}. I have attached the advertisment for the wine ad below. My credit card company chase failed to do a proper investigation and sided with the merchant. The personalized advertisement clearing shows what was being purchase. Further I have attached a screen shot of the website where I made to purchase to show the price. Please help me resolve this issue and get my {$110.00} back. Just to note no corresponsedonce was sent by chase to get my side of the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/XXXX we, wife and myself joint owners of XXXX account for 17 years, purchased Cashiers Check for {$22000.00} at XXXX XXXX branch of WellsFargo ; Mailed to Payee, my 401k plan administrator ; pay-off of the loan balance ; XX/XX/XXXX we submitted Affidavit as to Lost, Destroyed or Stolen Cashiers or Official Check at XXXX XXXX branch Banker 1 stated the sum will be refunded to the checking account 90 days after purchase ( XX/XX/XXXX) XXXX XXXX XXXX 101 days from the Cashiers Check purchase day Met with a Banker at at XXXX XXXX branch, Requested refund of {$22000.00} to the checking account Banker 2 demanded submitting a legal copy of the check as a re-condition to refund. <P/>XX/XX/XXXX 103 days from the Cashiers Check purchase day Payee stated in writing that the Cashiers check was destroyed ; we forwarded the Statement to the Banker 2 ; Requested refund of {$22000.00} to the checking account Payee never cashed the check ; since then - multiple interactions with Customer Care XXXX ; escalated to CASE GMT XXXX at WFB WFB refuses to refund the CASHIER 'S CHECK to our account. since 90-day after XXXX XXXX XXXX Wells Fargo os in breach of UCC and Min. Stat. 336.3-312

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 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: MD

Complaint narrative:
I had an account with XXXX XXXX, but they failed to deliver on their contract. I notified the FTC and the FTC decided I was correct. XXXX has now been sending this bill to different debt collectors, and they keep selling the debt to different collectors. Also, to note I have not received any kind of verification letter in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XXXX of XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all XXXX of my credit reports

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 2017-07-07 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: NY

Complaint narrative:
It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XX/XX/XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: NY

Complaint narrative:
It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XXXX of XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all XXXX of my credit reports

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 2017-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Throughout the last year I have attempted to login to my NAVIENT account and make payments, schedule payments and review accounts. My login information was inaccessible and I was unable to recover login info by my date of birth and social security number. Their system says there is no loan corresponding to my identification. My interest continues to grow and all representatives ive spoken with confirm over the phone that I have accounts but I am unable to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a charge made for {$58.00} with XXXX. I disputed because I did not recieve the merchandise. The merchant failed to provide proof that the flowers were delivered to the shipping address. Under the commercial code the merchant is liable for any item I did not recieve. Chase incorrectly sided with the merchant on the dispute WITHOUT ANY EVIDENCE THAT THE ITEM WAS DELIVERED TO THE DESTINATION. I sugguest chase should take a hard look at this and apply the standards of a dispute for this. Please refund the money I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT

Complaint narrative:
On XX/XX/XXXX I purchased my home in XXXX, CT for $ XXXX. I took out a loan with XXXX for $ XXXX. InXX/XX/XXXXour family began to experience financial hardship. We have a daughter with XXXX XXXX XXXX XXXX. She has been hospitalized in the XXXX XXXX and XXXX XXXX over 6 times by the age of XXXX. I contacted XXXX about a loan modification. On XX/XX/XXXX XXXX denied my request and in XX/XX/XXXX my loan was sold to XXXX XXXX XXXX. For two years, with the help of Attorney XXXX XXXX, I tried to get a loan modification with XXXX XXXX. They kept prolonging the process because of missing documents, etc. They were a very disorganized company. In XX/XX/XXXX the loan was sold to XXXX and I had to go through the loan modification process all over again. In early XXXX I hired XXXX XXXX XXXX XXXX, Attorney XXXX XXXX, to help me with the loan modification process and to try and keep out house out of foreclosure. Then on XX/XX/XXXX the loan was sold again to Rushmore Loan Servicing. I worked with Rushmore for a year to try and get a loan modification. In XX/XX/XXXX, I had a scheduled court date with Attorney XXXX XXXX. He was a no show and later that week I found out through social media that XXXX XXXX XXXX was no longer able to practice law. His paralegal kept sending me email notifications that XXXX XXXX would do right by me and my family. The night before the court date, I received a text from Attorney XXXX  that he would be at the mediation. On that court date in XX/XX/XXXX, where I had no representation, Rushmore came back with a loan modification offer which was higher than what I was originally paying. Without representation I feared the house would go into foreclosure, so I went to family for assistance with the loan mod payments and accepted Rushmore 's loan modification offer. At the beginning of XX/XX/XXXX we listed the house for sale. There has been minimal activity with no offers. We are now in a situation where we need to do a short sale because there is a second line of credit on the house with XXXX. XXXX made an error and recorded the lien twice on the house with the town of XXXX and I have asked them to rectify this. There is no resolution with that as of filing this complaint. Rushmore provided me a pay off amount of {$310000.00} onXX/XX/XXXX and then changed the payoff amount to {$310000.00} on XX/XX/XXXX. We have made two mortgage payments of {$2300.00} and we made a payment of {$4700.00} in XXXX so I do n't understand the justification for the {$2000.00} increase within a three week period. As you can see from all of these facts, the whole situation is a complete mess and I am in need of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On Thursday, XX/XX/XXXX, I spoke with XXXX XXXX from the Executive Office of Wells Fargo in reference to the investigation and complaints. <P/>My main concern now is that it took over seven- ( 7 ) months to inform me that the appeal was not even done because Wells Fargo states that it was not received in their office prior to the TWENTY- ( 20 ) days for review. <P/>I submitted a USPS receipt from the certified mail that I sent, date and time stamped onXX/XX/XXXX XXXX the twentieth day ). XXXX XXXX informed me that they did not receive it byXX/XX/XXXX within the twenty day time frame. I informed XXXX XXXX that the appeal was sent within the time frame and she replied that Wells Fargo must receive it by the twentieth day to be reviewed immediately and that it violated their rules if it was sent by the twentieth day. <P/>In conclusion, I believe that Wells Fargo did a bias investigation and worked around the evidence that I have to provide the CFPB with their conclusion.

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