vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SLM CORPORATION
State: IA

Complaint narrative:
Sallie Mae debt collector called my work at XXXX on Tuesday, XX/XX/2019 leaving a message stating " it is really important that you call her back. She will be there until XXXX XXXX '' The same person called my husband leaving a message on his phone stating the same thing. He suffers from XXXX from serving in the XXXX for 11 years and does not handle stress at all. This just added to his issues. I am enrolled in the XXXX XXXX XXXX program and have been making all of my payments since beginning. I can not have them call my work. I can not have them call my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2019-08-27 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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:
Dear sirs I am writing this letter to explain why late payments were made to ( XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX and XX/XX/XXXX XXXX XXXX ) from ( XX/XX/XXXX and XXXX, XX/XX/XXXX ). 
Meeting my financial obligations is very important to me, and I regret that this negative situation ever occurred. 

When I was an XXXX  XXXX in ( XX/XX/XXXX-XX/XX/XXXX ) I was working for a XXXX XXXX   with a minimum wage, and my family from XXXX XXXX were helping me financially. In XXXX, XXXX went into a war with the XXXX XXXX ( XXXX ) the country went into financial Crises. During this time, my family 's finances were strained they couldnt help me anymore, I lost my scholarship and my Minimum wage income was enough to pay for my rent and daily expenses. Even though I tried very hard not to miss any payments but it was hard. 

I am thankful to report that I after my graduation I have been working at a new position for over a year now. I have paid off all of the past-due account, and I have been on time with all my payments. 

I would like to Dispute those late payments, with the explanation of the humanitarian situation I was in out of my control. 

Thank you for considering our dispute. As you examine my finances, I'm sure you will see that I am very capable of making future payments on schedule. 


Sincerely, 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 2019-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I apply the loan and also shop around to get best rate and best discount for my refinance. I receive letter from QuickLoans to ask to contract that they will give me better rate or they will give me {$250.00} Visa prepaid card if they are not able to match or beat my lender. I fill out online all my information and someone contact me. I have to go over 30 minutes to contract and another 20 minutes with the loan officer. But their rate is too high over 4.00 % or I need to pay points to get 3.99 %. It is too high, so I am ask regarding the letter promise/send to me. He make me contact other department to get paper. I fill out and even submit the loan estimate estimate that it shows my lender offer me better. However, they told me that I need to submit both loan estimate document and Closing Disclosure document, which I did on a few day ago, to submit to them. However they denied say that my document is not good enough to get $ XXXXVisa GC. I think they are not a great person to loan. I go to website and try to chat with someone. After enter for 15 minutes and ask my information, he just close the screen. I want to complaints to notice that other don't trust and use this since this company is very not what they promise and not try to resolve the problem, but disconnect and did not answer. This is bad if you go with them. They will promise and later there are some problem with the loan, nobody will help you. Try to avoid this company as I write to notice and don't do loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E  . 
Report and other furnished XXXX XXXX, Sage Stream, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX Also please delete any phone numbers on my report if it is not : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
No matter how much I pay, the balance does not decrease. It is absurd. I am stuck paying {$300.00} a month for a loan than was originally {$2600.00} and now I owe {$3000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NH

Complaint narrative:
Dear sirs I am writing this letter to explain why late payments were made to ( XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX ) from ( XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ). 
Meeting my financial obligations is very important to me, and I regret that this negative situation ever occurred. 

When I was an XXXX XXXX in ( XX/XX/XXXX-XX/XX/XXXX ) I was working for a XXXX XXXX   with a minimum wage, and my family from XXXX XXXX were helping me financially. In XX/XX/XXXX,  XXXX went into a war with the XXXX groups ( XXXX ) the country went into financial Crises. During this time, my family 's finances were strained they couldnt help me anymore, I lost my scholarship and my Minimum wage income was enough to pay for my rent and daily expenses. Even though I tried very hard not to miss any payments but it was hard. 

I am thankful to report that I after my graduation I have been working at a new position for over a year now. I have paid off all of the past-due account, and I have been on time with all my payments. 

I would like to Dispute those late payments, with the explanation of the humanitarian situation I was in out of my control. 

Thank you for considering our dispute. As you examine my finances, I'm sure you will see that I am very capable of making future payments on schedule. 


Sincerely, 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 explanation
Consumer complaint received 2019-08-27 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: NATIONAL ASSET MORTGAGE, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I entered into a contract with XXXX XXXX out of XXXX, SC I immediately started having problems with them and I appealed to both attorney generals of s.c. and georgia Neither of whom could help me, then they started changing my mortgage around to mortgage companies they owned specifically national assets and XXXX XXXX. I entered into a loss mitigation contract with them last winter and they are now threatening to start foreclosure although I have kept up the payments. They, in XX/XX/XXXX made a notation on my credit report that they had signed the property over to me then after a complaint to the credit bureau they took it of my credit repoort although it was given to me in a bankruptcy, withut a deed to file it what can I do? I also have heard that they are planning on selling this property and several others to XXXX XXXX Isn't this a violation of the bankruptcy regulations and how could the credit bureau tell me they are talking to XXXX when National Assets put the notation on my credit report, which has now been removed and and I want to know WHY??? HOW?? 
Haave I no protection here? Now they are threatening eviction if I don't pay more by XX/XX/XXXX and we just heard farom XXXX today for the first time ... .They have flimsy contracts and ow they are threatening to cancel my loss mitigation with no reason and startbeviction check out my credit report I think it was XXXX in early XX/XX/XXXX, though it might have ben XXXX I have complained to BANKING AND FINANCE AND SENT THEM A BIG PACKAGE with pictures and everything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
This company ( Lockhart , Morris & Mont ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$6000.00} } with and credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
US Bank processed an insurance claim check on XX/XX/2019 with directions on file to payoff the loan the refund the overage from the claim. 

Check was cashed and loan was paid off as evidenced by the refund of the tax and insurance escrow account. 

US Bank stopped payment on the escrow check and reinstated the loan without comment, direction or reason. 

Multiple calls to US Bank over the course of a month produced no result. Some employees were able to see documents. Others claimed no documents existed, including the death certificate for the borrower, the executor documentation for me, and the letter requesting the payoff. Some employees also claimed the insurance check was never cashed when in fact it had cleared the bank for the insurance company. 

US Bank claimed to be sending a check for the {$37000.00} in overage from the insurance after full payoff of the loan. Instead they sent a check for {$68000.00} directing that the funds be used to rebuilt the house. When called about this latest error, the US Bank employee said the check had to be deposited and that we would need to produce certified funds to send the US Bank 's money back to US Bank. That was not acceptable because the letter accompanying the check clearly stated that cashing it meant there was an obligation to rebuild the house. After demanding that US Bank figure out how to void their own check issued in error, the employee simply hung up on me. 

Because US Bank has held this money in error for more than 30 days, they are also sending default notices. This despite the fact that they are in possession of a full payoff, {$37000.00} additional funds and {$3200.00} in escrow that are required by TILA to be refunded to the borrower within 20 business days of payoff. 

Currently, they are again saying they will process this as a payoff but needed to update the payoff since it was only good through XX/XX/XXXX. When I advised they have had the money and request to payoff the loan since XX/XX/XXXX ( with XXXX confirmation of this ), US Bank stated they did not know and could not control what a payoff statement might show. When I said it would clearly show more than a month of additional interest, they said there was nothing they could do about that despite the fact that they now acknowledging they had everything required to process the payoff on 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 2019-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tribal Lending Enterprise, Inc.
State: TX

Complaint narrative:
Approximately three months ago ( i.e. XX/XX/2019 ) I began receiving SMS text messages suggesting that I had a delinquent loan. The messages were vague, but after receiving several of them, I called the number from which they originated. The person at the other end identified herself as an employee of Golden Valley Lending, and asserted I had taken a {$700.00} loan from the company she represented. I had, until that day, never heard of Golden Valley Lending, and definitely had not taken a {$700.00} loan from anyone. I said as much and, after a short exchange, determined the call was a phishing scam, and hung up. 

Since that time, I have received not less than 8 calls from Golden Valley Lending per week, originating from numerous different phone numbers. The most recent two are : * (  XXXX ) XXXX * ( XXXX ) XXXX I've blacklisted each new number as I've received the calls, which all adhere to the following format ( paraphrased ) : Golden Valley Lending : "  Is [ My Name ] available '' Me : " This is [ My Name ] '' GVL : " This is [ fill in name ] with Golden Valley Lending. We're calling to discuss the status of your account '' Me : " I do not have an account with you ; I've never opened an account with you. '' GVL : " That's not what our records show. '' Me : " I can't account for your records, but we don't have anything to discuss. '' GVL : " Good luck with that. These calls will continue. '' <call is disconnected> I have repeatedly asked to be removed from their call list, and been denied. I have repeatedly asked for a written record of my debt, and have never seen one.  I have received one printed letter via USPS, again vaguely suggesting I need to address some kind of debt-related issue but without any account number, amount, clear indication that the letter is an attempt to collect a debt, advisory of my rights, etc. It seemed to be merely a form letter that looked like it was designed to get me to call their office. 

I have checked my credit reports with three agencies to confirm no debt has been reported in the amount Golden Valley Lending has asserted. I have received no official attempt to collect a debt, and my credit score remains unblemished even though I've been ignoring these calls, more or less, for 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 2019-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please see attachments. On XX/XX/2019, I sent certified letters to the credit bureaus to update my personal information. This is the month of XX/XX/2019 and they have been reporting inaccurate information on my credit profile, such as my name, dob, address, and employment. 

On XX/XX/2019, I sent the three credit bureaus certified dispute letters regarding unauthorized credit inquiries and requested a complete and accurate verification of the unauthorized inquiries.

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 2019-08-27 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: Telerecovery Corporation
State: WA

Complaint narrative:
I was injured on the job in Louisiana and went to a hospital and then was placed on workers compensation through my home state of Washington state, and then I was informed via my credit report that I had a unpaid medical in Louisiana from this incident and I contacted Washington XXXX XXXX XXXX XXXX  and was informed that they had paid the bill but they wont contact the credit agency or vice Versa, And Im left standing in the middle holding the bag and being left to try to get everyone to talk but wont and it keeps impacting my credit.

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 2019-08-27 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: AES/PHEAA
State: NY

Complaint narrative:
there were some strange accounts on my credit report that I have no knowledge of. Ive never agreed to these accounts 1. fed loan XXXX - {$2200.00} 2. US /DEPT OF ED/XXXX - {$1100.00} XXXX 3. US DEPT OF ED/XXXX - {$1100.00} XXXX

Company response to consumer: Closed with explanation