vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive spoken to transunion customer service several times about these inquiries and collections their under multiple spellings of my name different social securitiy numbers and birthdates even sent in a paper showing Im a victim of identity fraud and they wont take care of the negative inquiries and collections reporting on my report Inquiries *coaf XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *leasing XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX XXXX XXXX desk XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX * XXXX XXXX XXXX in the XXXX XXXX XXXX $ XXXX XXXX collections and XXXX XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XXXX XXXX $ XX/XX/XXXX *credit collection XXXX XXXX XXXX $ XX/XX/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 2018-04-02 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: CORELOGIC INC
State: NC

Complaint narrative:
I have mailed a letter certified and not received anything back letting me know that they had in fact permission to run my report I had I dont need that and I believe this is part of it

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 2018-04-02 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: BB&T CORPORATION
State: NC

Complaint narrative:
I have mailed a letter certified and not received anything back letting me know that they had in fact permission to run my report I had I dont need that and I believe this is part of it

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 2018-04-02 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: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I have written letters and not received anything back I had I didnt make that I have asked for written consent from the company showing that I signed for these accounts I believe these were done fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
I had been asking my mortgage company for help for 3 years starting in XXXX. My husband was diagnosed with XXXX. The 1st offer that they sent me was in the XXXX week of XX/XX/XXXX. They wanted the offer to start in XXXX but did not give me the paperwork in time period I signed it with the stipulation that they were gon na take money from funds they were holding due to a loss on our home. The next thing I received from them was information that I did not take their offer. I was transferred from 3 different people during this process I reached out to another government agency for some help because I'd already had a signed agreement. They had a for closure date set for XXXX. They postpone math while working on another offer for me both of these offers were {$500.00} more than my mortgage payment. Which didn't really help me but I was willing to sign or do anything to get back on track. The next thing I got from my mortgage company was a letter introducing me to another guy who is going to be handling my case and that was the XXXX week of XX/XX/XXXX Then I get a knock on my door on the XX/XX/XXXX stating that they had foreclosed on my home I have been fighting them asking them to resend it asking them to let me make it up asking me to get a new loan I really need some help here A fair resolution would be for them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: PA

Complaint narrative:
I received my annual free credit report from Trans Union, XXXX, and XXXX  credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from Trans Union. Trans Union never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.

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 2018-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have written letters and not received anything back I had I didnt make that I have asked for written consent from the company showing that I signed for these accounts I believe these were done fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One 's payment processing XXXX XXXX was not deliverable. My XXXX  2017 payment was returned by the XXXX XXXX as " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: NC

Complaint narrative:
Is that is in fact not mine and I am not responsible for and Ive contacted them with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I originally had my purse stolen in XX/XX/XXXX ( I have the police report - Please advise if I need to provide a copy of ). My ATM as well as my Credit Card with US Bank was stolen. I called and asked to have my secured card cancelled. I paid the account in full shortly after this and did not use the card again. I asked them not to send me a new card. There was no balance and they were not sending me another card. I did not think about the account again In XX/XX/XXXX, I discovered that I'd been reported as past due for the secured card as well as there were late fees that had been added to a XXXX balance account. When I called to speak with the Collections Department, they waived all of the late fees and informed me that there was a small balance that was left on the account from XX/XX/XXXX that I had not paid. Being that I had not been notified of this additional balance, nor was I being notified that there were late fees accruing on the account, US Bank agreed to waive all of the fees and allowed me to pay the remaining balance in full. 

I was assured that an update would be submitted for the incorrect negative reporting of my account, the balance would be updated to zero. They confirmed for me that the account was now closed and could not be reopened. I was also advised that I would receive my security deposit back within XXXX weeks. 

Now I reached out them in XX/XX/XXXX. The original representative advised that my Security Deposit had been transferred over to another account that I have with them. Then after further review the came back to advise that he did not see another account for me. After being placed on hold for over XXXX minutes, I was transferred over to a XXXX XXXX who advises that my account is not closed that it is permanently restricted. She is not advising me that I now need to write in to ask them to refund my funds and to wait XXXX weeks for my money back. 

I feel as though US Bank has lied to me regarding my funds. I have done what has been asked of me. They closed my account in error, reported me as past due in error and they are refusing to refund my security deposit.

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 monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
i have receive a bill on XX/XX/XXXX stateting that i own money to the collection company EOS CCA reference off a XXXX account that i never open in my life and i never had a XXXX account before. 
In XX/XX/XXXX this collection company report this account to the 3 credit company and it damage my credit, i quickly disputed this negative item on my report and it was deleted because this is my believe is a false account or some one stole my information and created this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: CA

Complaint narrative:
ERC is still attempting to collect a debt on behalf of XXXX and there still reporting on my credit that I still owe them {$1200.00} ERC stated I disputed the debit as a consumer which I did and they said it meets FCRA requirements however according to the FDCPA Laws they have to stop all collection activity and attempting to collect the debit since I filed CH XXXX BK ... .They still have continued to report on the credit report even though there going to receive {$0.00} from the BK ... 

Also Prior to filing BK ERC broke FDCPA Laws by calling me at XXXX XXXX on XX/XX/2018 from there phone number ( XXXX ) XXXX ... I reported this to ERC and they did not say anything .... ERC still engaged in illegal activity by calling me before XXXX XXXX which they knew it was a violation of the Law ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I was intentionally misled in regards to being signed up for the Public Service Loan Forgiveness program with Navient. 

When I first heard of the Forgiveness Program in XX/XX/XXXX, I was very excited about it and being already connected to Navient, I called them to inquire about the program. The person I spoke with told me about the 10 years, 120 payments, and program and led me to believe that I can sign up with them that day which I did. 

I also called Navient approximately one year ago because of a bank issue with my automatic withdrawl, and I was afraid I was kicked off the Loan Forgiveness Program. The person I spoke with told me that I was fine, not to worry, and I was still on the program. 

I just recently started my own Non-profit and a friend thought I could get extra loan forgiveness benefits, so I called Navient XX/XX/XXXX ; to ask about it, and the person on the other end was once being evasive and talking about loan consolidation program I would be eligible for ... and I point blank asked her, " I AM ON THE PUBLIC SERVICE LOAN FORGIVENESS PROGRAM '' with Navient? '' She sharply said, You need to call ( gave me the phone number ) for PSLF and hung up! 

I called customer service to talk to a Supervisor who was " apoplectic '' and wants me to sign up for the 20-25 year forgiveness program ; and I had to submit information about my claim to get credit for the time I thought I was on PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT FROM XXXX XXXX XXXX AND XXXX XXXX APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I received my annual free credit report from XXXX XXXX, Equifax, and XXXX credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from XXXX XXXX. XXXX XXXX never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 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: PA

Complaint narrative:
I received my annual free credit report from XXXX XXXX, XXXX, and Experian credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from XXXX XXXX. XXXX XXXX never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.

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 2018-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Received letter from Midland Credit Management on XX/XX/2018 with payoff options on {$1200.00}. I don't owe anyone any money. I called the number provided. XXXX and told them that. They asked for the account number and then to verify my name and address, I noted that the name was spelled incorrectly. Then they asked for the last 4 of my SSN and I refused. They said they would take my address off their list but somehow I don't believe it. Seems awfully fishy!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My loan was recently purchased by Loan Care, it was previously owned and serviced my XXXX. 
As of XX/XX/XXXX my monthly mortgage payment went from a very manageable {$1800.00} and change to {$2600.00}. 
Loan care said its because Im {$9000.00} + behind on my escrows and because of an increase in my flood, homeowners, and taxes. 
XXXX XXXX, because I was on a HARP refi, kept my payment down to keep us in the home with a loan modification and an escrow spread of 60 months. 
LoanCare is spreading my escrows over 25 months, with other parts of my escrow account over 36 months, and other parts over one year, to my understanding. 
I could be wrong. 
My point is, the payment went waaaay up and I need it to be more manageable and they will not compromise even a little. 
I think Loan Scare wants to force us to foreclose. 
Real Estate is at a premium these days, I think theyre acting in bad faith. 
I asked them to spread those amounts over 60 months if possible, and they told me the lender will only do 25 months on the shortage and 36 months on the others. 
However, my figures show they are collecting an extra {$300.00} a month. 
I know that servicing companies and mortgage lenders dont need to increase your payment in that manner. 
My increase is almost thirty percent. 
That just about kills my monthly budget. 
We paid ourXX/XX/XXXX paymentXX/XX/XXXX, but now still owe XX/XX/XXXX and XX/XX/XXXX. 
I dont think they should be allowed to do this.

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 2018-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices Howard Lee Schiff, P.C.
State: CT

Complaint narrative:
This company sent false information stating that that they presume that from my validation request, which is my right to do, that I do not wish to be contacted about this debt and they will be unable to speak with me. No where did it state in my letter to cease and desist communication. How else will I resolve such matter if I dont speak with them? This is a false tactic on their end

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
I had a loan with One Main Financial. They agreed with a settlement of XXXX XXXX dollars on the XX/XX/XXXX for the loan.I went into the branch on the the XX/XX/XXXX to sign the settlement agreement for the loan. I paid the amount of XXXX on XX/XX/XXXX. I received a correspondence datedXX/XX/XXXX, stating that the loan has been paid as agreed and closed. XX/XX/XXXX I received an alert on my credit report stating that I was late paying One Main Financial in XX/XX/XXXX, ( when that is inaccurate because it was settled an paid as agreed in XX/XX/XXXX ). I called the Credit Dispute Department made them aware of the error they reported. They informed me to mail or fax in a dispute letter an the reason. I faxed the dispute letter XX/XX/XXXX making them aware of the inaccurate information they are reporting. I received correspondence datedXX/XX/XXXX stating that the information that's reporting is correct. They are reporting inaccurate information stating I was late on the account. My credit report is still showing I have a late payment from One Main from XX/XX/XXXX. I have all documents and letters to prove they are reporting inaccurate information. No late payments should be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc.
State: TX

Complaint narrative:
I never attended XXXX university. i inquired about school but never attended due to death in my family. I do not owe anything please remove this invalid debt immediately

Company response to consumer: Closed with explanation