vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-18 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: TX

Complaint narrative:
The accounts listed in the FTC aren't mine.

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 2020-01-18 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: TX

Complaint narrative:
The accounts listed in the FTC aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/2020 - Unable to access myEquifax account to retrieve my credit report. I reset the password, but it still wouldn't let me access my account. 
XX/XX/2020 - Still unable to access myEquifax account and now it's locked even after again resetting the password. I called their support line and they had me reset my password again. It was still unsuccessful in getting me access to my account. 
XX/XX/2020 - I called Equifax support again and after waiting close to an hour on hold, they told me they couldn't do anything and my account is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: TX

Complaint narrative:
I disputed a Bankruptcy on my Experian Credit report. They mailed me the results on XX/XX/2020, report # XXXX and said it was verified. They said it was verified with information obtained from their third party vendor XXXX. I sent my letter from XXXX where they deleted the Bankruptcy because it was Unverifiable. There is no way Experian verified this information.

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 2020-01-18 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Sync/PayPal Credit was an account my wife opened in XX/XX/XXXX and rarely used. I had no idea the account even existed until XX/XX/XXXX when they suddenly reported the account as seriously delinquent over 120 days and reported it late for the previous 4 months on my credit report. At the time I was in the desert on a military training exercise. As soon as the exercise ended in XX/XX/XXXX, I immediately paid the balance, after speaking with a customer service representative who told me they would take it off my credit report once I paid. Not only did they not take it off my report, they have now reported it 120 days late for XX/XX/XXXX as well, after the account was closed. This account was paid and closed at the beginning of XX/XX/XXXX. Judging from the dozens of recent entries at XXXX XXXX XXXX, many others have the same issue with Sync/PPC. I see that CFPB beat them in court in XX/XX/XXXX for similar issues. 

Additionally, Sync/PPC did not attempt to contact me in regards to the debt.

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 2020-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lake City Credit
State: MI

Complaint narrative:
End of XX/XX/XXXX, Lake City Credit called saying I owed {$2000.00} to " Mastercard ''. I told them I do not have a Mastercard nor had I ever had anywhere near a {$2000.00} limit on any credit card. They told me that the debt was from XXXX. I informed him if that was true, the statute of limitations is 6 years in Michigan ( where I live and have lived since XXXX ). He told me that's not how this works and that I needed to pay or they would sue. I told him he could contact my attorney and he hung up. Since then they have sent letters to my mother 's house. I do not live there or even within a few hours of her house. I do not know what the letters say.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
We have taken over my mother in laws mortgage when he past away. We received numerus notices that she was behind on her mortgage and foreclosure was starting. However the statements would say her payment was received late but not missed. According to her bank statement payments were sent soon enough but not posted until the XX/XX/XXXX so a late fee could be put on account. since then they have done the same to us. If we pay total amount due the following month we will notice that fees are applied but not sure for what. They have charged fees ( $ 80- {$100.00} ) saying people are checking on the property to see if anyone is living there. The math on the statements and late notices do not add up correct. ( example ; mortgage payment of {$720.00} was not received if not received by XX/XX/XXXX a late fee of {$27.00} will be assessed and total due is {$920.00} ) or same but with a ( mortgage payment of {$690.00} with late fee of {$0.00} with new payment of {$750.00}. ) late fees seem to not be consistent month to month and applied whenever they want. 
XX/XX/XXXX Statement does not match tax statement sent out. When I have called to try to talk to them and read their letters or point out an error I get cussed at, put on hold for a long time then when they get back on the phone they want to transfer me then hang up. When payments are made over total amount due over payment is not applied to account and when we call and ask they tell us they can apply money where they need to. These are just a few issues we are having. I have asked where to send the paperwork to for review and was told if the have time they might look at it or I can drive to the office and sit and wait for someone. No office is around us we live in Georgia ( this has been going on for several years ) This company is rude and is stealing money from people and you can not work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX called saying that I have {$2000.00} owed to " Mastercard '' from XX/XX/XXXX. I told them that I don't have a Mastercard, that I never have had a {$2000.00} credit limit and that if it was in fact from XX/XX/XXXX, then the statute of limitations expired in my state ( Michigan ) after six years. They told me it doesn't work that way and that they would sue. They have since sent letters to my mother 's house when I have never lived there nor do I live anywhere near her.

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 2020-01-18 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: TX

Complaint narrative:
There are accounts on my credit report that aren't mine.

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 2020-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
The loan servicer, Navient, began billing me for loans while I was still in school ( when the payments were supposedly deferred. After learning about this almost 4 months after the initial bill was generated, I contacted Navient and they ask that I provide proof of enrollment. I provided the required documentation from my school. After doing so, instead of rectifying the billing issue, Navient rolled up the 4 months of " past due bills '' into my existing school loans and then capitulated the loan ( charge interest on the interest amount plus principal ). This happened on at least two different occasions across multiple school loans, and has added several thousands of dollars to the principal and interest loan amount through no fault of my own. When I attempted to address the issue with Navient, I was told they were not able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: TX

Complaint narrative:
There are accounts on my credit report that aren't mine.

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 2020-01-18 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: TX

Complaint narrative:
There are accounts on my credit report that aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: TX

Complaint narrative:
I disputed a Bankruptcy on my XXXX Credit report. They mailed me the results on XX/XX/2020, report # XXXX and said it was verified. They said it was verified with information obtained from their third party vendor XXXX. I sent my letter from XXXX where they deleted the Bankruptcy because it was Unverifiable. There is no way XXXX verified this information.

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 2020-01-18 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: TX

Complaint narrative:
There are accounts on my credit report that are not mine. Please remove them.

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 2020-01-18 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: TX

Complaint narrative:
There are accounts on my credit report that are not mine. Please remove them.

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 2020-01-18 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: TX

Complaint narrative:
There are accounts on my credit report that are not mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
I responding to promotion by bank of America opened combination of accounts. 
When promotion ended they started charging unreasonable fees. I tryed to reach them many times they do not answer phone don't have other way to communicate like chat or email.

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 2020-01-18 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: TX

Complaint narrative:
There are accounts on my credit report that aren't mind. Please remove them.

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 2020-01-18 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: TX

Complaint narrative:
There are accounts on my credit report that aren't mind. Please remove them.

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 2020-01-18 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: TX

Complaint narrative:
There are accounts on my credit report that aren't mind. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MA

Complaint narrative:
I have contacted the collection company many times but they are failed to provide necessary documentation that will prove that this account is mine. Please remove this account on my credit report because it's affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2019 I tried to pay off my account in full and used the balance after payment posted. At the time I didnt know my Bank had an Stop payment and all checks returned unpaid, reasons why the stop payment was placed is unknown. My account went over its limits and since I didnt know what was going on with my Bank ( at that moment ) my only choice I though had was adding on my account to a Management Payment Program which I tried. XXXX XXXX XXXX agent called me and told me Discover didnt accept their proposal and reason were I was part of an internal program ( which wasnt true ) so I told them I was gon na call Discover. 

Around XX/XX/XXXX I spoke with a Discover account specialist and asked her about this. She told me the Management Payment Program wasnt a trusted Program and that was the reason why they didnt wan na work with them. She told me Consolidators let the account go delinquent and then they buy out its debts. For my understanding I believe Discover didnt actually know what kind of company was XXXX XXXX XXXX. Ive been working with them for a couple of years because a debt with XXXX XXXX  theyre handling for me. I asked her to take a payment on my Discover account and she said she couldnt because my account had the working with consolidator status on and advised me to send a letter to Ohio to have it removed so they will accept payments from me. 

So I went back to XXXX XXXX XXXX and they told me they cant add the account to the program again since it was recently rejected, They didnt give me an option other than send that letter and deal directly with Discover. When I spoke with Discover rep she also told me someone will contact me after receiving the letter, but no one did, or at least they tried once but called a number I didnt have on service. Around XX/XX/XXXX I saw a change on my credit report stating I was 30 days late, which technically is true but not fair since I was waiting for my account to be changed from working with consolidators to I can make payments. 

So, for all this misunderstanding and others details Im willing to explain over the phone with whoever is handling this request Im asking to kindly remove this delinquent from my credit files so I can enjoy my credit worthiness at its full and restore my buying powers I had before this negative remark on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Back in XXXX of 2019 I contacted Wells Fargo Home mortgage to inquire about a possible refinance of my loan. The individual who help me, XXXX XXXX XXXX ID XXXX. He ordered an appraisal for me in which i paid XXXX for, After the loan went through underwriting there was a discrepancy as to whether the property was my primary home or an investment property, leading Wells Fargo to provide a counter offer for the refinance. I rejected the counter but requested a copy of the appraisal that Wells Fargo had ordered and I had paid for. Unfortunately XXXX sent that copy to me as a secured email and I couldnt access it. I have called Wells Fargo several times and they are unable to find the appraisal nor do they show any records of the refinance. I need Wells Fargo to trace their records and provide the appraisal that I paid for or refund me the {$500.00}.

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 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I tried to pay off my account in full and used the balance after payment posted. At the time I didnt know my Bank had an Stop payment and all checks returned unpaid, reasons why the stop payment was placed is unknown. My account went over its limits and since I didnt know what was going on with my Bank ( at that moment ) my only choice I though had was adding on my account to a Management Payment Program which I tried. XXXX XXXX XXXX agent called me and told me Discover didnt accept their proposal and reason were I was part of an internal program ( which wasnt true ) so I told them I was gon na call XXXX. 

Around XX/XX/XXXX I spoke with a XXXX account specialist and asked her about this. She told me the Management Payment Program wasnt a trusted Program and that was the reason why they didnt wan na work with them. She told me Consolidators let the account go delinquent and then they buy out its debts. For my understanding I believe XXXX didnt actually know what kind of company was XXXX XXXX XXXX. Ive been working with them for a couple of years because a debt with XXXX credit theyre handling for me. I asked her to take a payment on my XXXX account and she said she couldnt because my account had the working with consolidator status on and advised me to send a letter to Ohio to have it removed so they will accept payments from me. 

So I went back to XXXX XXXX XXXX and they told me they cant add the account to the program again since it was recently rejected, They didnt give me an option other than send that letter and deal directly with XXXX. When I spoke with XXXX rep she also told me someone will contact me after receiving the letter, but no one did, or at least they tried once but called a number I didnt have on service. Around XX/XX/XXXX I saw a change on my credit report stating I was 30 days late, which technically is true but not fair since I was waiting for my account to be changed from working with consolidators to I can make payments. 

So, for all this misunderstanding and others details Im willing to explain over the phone with whoever is handling this request Im asking to kindly remove this delinquent from my credit files so I can enjoy my credit worthiness at its full and restore my buying powers I had before this negative remark on my 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