vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Spoke with Trans- union this evening. I was attempting to upload my mortgage payment info online via trans-union website of current to PROVE my payments have been made and have been current since 2008, and this mortgage is not showing on my report now. Speaking with the trans-union overseas agents, I was told that my mortgage company had to be a subscriber to trans-union??? Well how do I make that happen, I can not. Why is the mortgage not showing up? still, it used to show.  I do not understand this. I just need to show that a lot of years of payments have been made on time other than when the mortgage central bankers tried to take my home back in XX/XX/2008 along with stealing many other homes. Yes it has taken me a long time to get through many deaths in my family and this induced XXXX   escapade of draining from these credit "REPORTING" privately owned entities have been sued many times, maybe I need to get inline on this one.. Why are seniors hit so hard? Can we get this corrected to at least show my payments for now? I do not understand this at all. Bless who come after us.

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 2019-08-20 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

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 2019-08-20 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: NM

Complaint narrative:
Harrasing phone calls  to the references provided when loan was granted. When payment is one day past due. Plus additional late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NM

Complaint narrative:
Discover call repeatedly to collect debt. Experiencing financial hardship and will not defer pmt. Making the situation unbareable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: LA

Complaint narrative:
I requested that this account be investigated so that I can understand where this alleged debt comes from. This creditor sent medical information that I do not recall and did not authorize them to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have never authorized deferment or have made a payment for any private loans since 2008. On my credit report it says I have from Navient asking for deferment for Private loans. I have Federal Loans that are in deferment through the DTR but never have authorized for private loan deferment.    I have email communication from Navient asking for federal, but never private loans.    I know Navient is uses deceitful tactics to trick borrowers. I have contacted my Attorney General as well.I am part of the Debt Collective and have contacted the XXXX XXXX that are heading up the lawsuits against XXXX XXXX and Navient.These loans are past the statute of limitations for collections from a school that was shut down for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC
State: AL

Complaint narrative:
I moved to my current address in which XXXX does not cover here! I contacted them to let them know I couldn’t use my service here and I sent documents showing my new location and they agreed that they don’t have coverage here. Now it is on my credit. This keeps coming back with new dates as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I mailed a cashier's check with principal payment only of $XXXX noted on the check with the account number at the end of XX/XX/XXXX.  Wells Fargo claimed to have received the payment on XX/XX/19.  They received my regular mortgage payment in their records on the XX/XX/XXXX; they applied only my mortgage payment and left my principal payment in a unapplied funds account which is causing my mortgage to accrue compounding interest on funds they received and never applied prior to the application of funds for my XX/XX/XXXX payment.  This is not the first time they have done it, and I am tired of contacting them for it not to be corrected in a timely manner and thus charging me more interest than is legal because they left the funds in an unapplied 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 2019-08-20 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, THE ACCOUNT IS INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THE NEGATIVE ACCOUNT HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.I AM VERY DISTRESSED THAT THIS ACCOUNT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE, I ASKED THAT THIS ACCOUNT BE PURGED OFF MY REPORT.

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 2019-08-20 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: WV

Complaint narrative:
My name  is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX. My SS is XXXXXXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate:XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education
State: IL

Complaint narrative:
On approximately XX/XX/XXXX I submitted a request for in-school deferment to XXXX, my Federal loan servicer from when I completed a XXXX post-bac program. I provided a signed attestation from my school 's registrar to indicate that I am back in school now for an MD at a different institution. I submitted a similar request to XXXX XXXX, who acted on my private loans immediately and placed them into long term deferment for the duration of my time in medical school. Today, upon logging into my XXXX account, I noticed that my loan is only temporarily in deferment until XX/XX/XXXX and a direct debit is scheduled for XX/XX/XXXX. I had additional loans disbursed which are all in " in-school '' status. I called XXXX and asked why the deferment period ends this month when I just started school last week and the representative was unable to provide accurate/definitive information, only that she'd " submit a request '' to have it looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied online to open a HSBC Advance Checking account and also made a deposit of $XXXX. The account was opened to satisfy HSBC’s new checking bonus of $XXXX. The terms and conditions included:Open new HSBC Advance checking account by XX/XX/XXXX.Deposit a minimum of qualifying balance of $10,000 or more in new money in combined checking and savings accounts within 30 calendar days of account opening.Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance.Supposedly I was to receive the $XXXX  bonus 6 to 8 weeks after the completion of the 90 days period. Technically, by XX/XX/XXXX, I had satisfied all the requirements. Two months had passed and by middle of XX/XX/XXXX, I still had not received the bonus. I contacted the bank via live chat to inquire the status of the bonus. A customer service representative (CSR) indicated that the bank would start the investigation. Since then, on numerous occasions, I have contacted the bank either via live chat or telephone calls to inquire status of the investigation (case# XXXX). In XX/XX/XXXX, I was able to speak with a supervisor level CSR by the name of XXXX. He ensured that the issue had been escalated and the bank would send me an update in the next 2-3 days. It did not happen. So I tried to contact them via live chat was able to get through XXXX, on XX/XX/XXXX. He again promised me that he would send me an update in 2-3 days. On XX/XX/XXXX (not 2-3 days promised), I finally received a response from the bank indicating that the investigation is still on-going and a response will be sent to me in 2-3 days. It is now XX/XX/XXXX, and I still have not received a response. I’m very tired of HSBC’s false promises and delayed responses. After more than 8 months of the money being deposited into HSBC’s checking account, and 5 frustrating months after meeting all the requirements, I still have not received the bonus of $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
After being told by my mortgage lender that my Equifax report is blocked I began on the journey to fix the issue. Fast forward 2 months later I am still not able to have my lender pull my credit file even after following instructions of Equifax.  I have faxed Equifax personal information on 2 separate occasions, XX/XX/XXXX & XX/XX/2019.  Equifax will not give me any information about my file or why this is happening. I am very frustrated and upset because this might make me lose the home that I am set to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
All 3 credit bureaus are incorrectly reporting 3 very specific things on my credit report that are incorrect and need to be removed immediately.  The following are the incorrect items and I am demanding that they be removed from my credit report.1. Collection account with a partial account number of XXXX for $XXXX this account is being reported incorrectly.  This account was paid off but you are still incorrectly reporting it.  I am demanding that you contact the original creditor which looks to be a medical collection and request validation on this debt.  If the original creditor is no longer paying you to report this information and they can not supply you with the original documentation then you are in violation of the FCRA and I will sue you for wrongfully reporting information against me which is $XXXX fine per violation.2. Collection account with a partial account number of XXXX for $XXXX this account has the same historical reporting as the above account and I am demanding that it either meet all FCRA requirements or remove it immediately.  Each bureau is hereby requested to provide me with physical proof that these collections are in fact being reported correctly or remove them immediately.3. Bankruptcy:  Chapter XXXX XXXX.  I contacted the US Bankruptcy court and asked them if they reported this information to the credit bureaus.  They told me that they do not report any information of this kind to the bureaus.  After further research it looks like a company called XXXX or XXXX XXXX  is the one that reported this information.    On my credit report you are saying that the US Bankruptcy court is the one that has reported this information and that is not true so therefore you are in violation of the FCRA by reporting false information regarding where you got this information.  Also XXXX is saying that it was a Federal Bankruptcy and that is not true so you are reporting incorrect information on all fronts and I am now demanding that you remove this Bankruptcy from my credit report along with the two adverse, incorrect collections that you are reporting.You are all in violation of the FCRA and I will pursue legal action if the 3 accounts listed are not removed by all 3 credit bureaus.

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 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: NC

Complaint narrative:
On XX/XX/2019, we send you the request for debt verification and disputation with rights given by the Fair Debt Collection Practices Act. 15 USC 1692g. 
The FDCPA Section 809 : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed. until the debt collector obtains verification of the debt is mailed to the consumer by the debt collector per requested, Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt. 
On XX/XX/XXXX letter, I have enclosed the validation and dispute letter to the Original Creditor Pursuant to NC. Gen Stat. 131E-91, patient rights receive an itemized bill including, but not limited to, all charges, and patient deposits and insurance payments with the correct name, etc.. since we did receive several bills, insurance info and medical records ( we can not disclose this information to you due to HIPAA ). 
In addition to the above-mentioned items, we have also requested your office provides me with competent evidence that we have any legal obligation to pay ( prefer a copy of the original contract or official authorization assign you or your company legally taking this action ) with the evidence for any validated detailed account statements.

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 2019-08-20 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: WV

Complaint narrative:
My name  is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX. My SS is XXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate:XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: WV

Complaint narrative:
My name  is XXXX XXXX. XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX-XXXX. My SS is XXXX-XXXX-XXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate:XXXX XXXX XXXX XXXX, XXXX, OH XXXX5 XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: WV

Complaint narrative:
My name is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX XXXX, WV XXXX XXXX. My SS is XXXX   DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate: XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, WV XXXXXXXX XXXX XXXX XXXX, OH XXXXI HAVE  CELLPHONE NUMBERS ON MY FILE THAT DO NOT BELONG TO ME PLEASE DELETE THE FOLLOWING NUMBERS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
HelloRecently a account came up on my credit report XXXX XXXX   the account was closed paid in full for a lesser amount in XX/XX/2013I spoke to XXXX when this came up last week on my credit report. XXXX checked it out and said this account was closed and would not affect my credit score of XXXXTransunionThey dropped my credit score 65 points leaving my credit score at XXXX. I called them today, what was thier reason to lower my credit report that much.. They had no reason for that. I verified that they had the same information number of accounts as XXXX,They have always been lower then XXXX Transunion uses the same software company as XXXX. They both should be the same. I have worked hard to repair and maintain my credit. Yes I did have problems in the past. I don't believe they have the right to manipulate ones credit as such. Transunion have no right to my information as far as I'm concerned, I did I give them the right to have my social security number or my personal information to sell nor have I given them the right to profit from my information.I'm furious

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