vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-28 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: IL

Complaint narrative:
XX/XX/XXXX CFPB : XXXX Report XXXX, dated XX/XX/XXXX, fails to list my full-time employment, XX/XX/XXXX-XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, since XX/XX/XXXX, with the State of Illinois, my part-time employment, XX/XX/XXXX with the XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, since XX/XX/XXXX, with XXXX XXXX, XXXX, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in XXXX  and that I had an address of XXXX XXXX XXXX XXXX, Illinois. I want my XXXX employments added. I want true copies of the Source Documents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlement ( NMS ) and the Independent Foreclosure Review ( IFR ) because XXXX made errors in servicing my ARM Loan XXXX. Those errors, particularly overcharging me LIBOR,  forced me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.
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Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL 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 2017-05-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX   XXXX   XXXX   CFPB :  XXXX  Report  XXXX , dated   XXXX   XXXX   XXXX  , fails to list my full-time employment,   XXXX   with the   XXXX   XXXX   XXXX    XXXX   Regional Office , since  XXXX , with the   XXXX   XXXX   XXXX  , my part-time employment,  XXXX  with the  XXXX   XXXX   XXXX ,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Illinois, since  XXXX , with  XXXX   XXXX , Illinois, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in  XXXX  and that I had an address of  XXXX   XXXX   XXXX ,  XXXX , Illinois. I want my government employments added. I want true copies of the  Source  Documents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlement  ( NMS ) an d the Independent Foreclosure  Review ( IFR ) becau se  XXXX  made errors in servicing my ARM Loan  XXXX . Those errors, particularly overcharging me LIBOR, forced me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion has not updated all my accounts,  XXXX   XXXX  has a balance of {$290.00} and has since been paid before due date of  XXXX / XXXX /   17  and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.  XXXX   XXXX  confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.

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 2017-05-28 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: TN

Complaint narrative:
I signed up with   XXXX   XXXX    XXXX / XXXX /  XXXX   in doing so I saw a bankruptcy on my credit so I wrote a letter to the creditor who had reported this items according to the credit report it was :  XXXX  FEDERALCOURT - it was dated for  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  About a week later My inquiry to the  U. S. Bankruptcy Courts  confirmed   XXXX   XXXX   XXXX   has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by  XXXX   XXXX  sources unawares to the consumer, and in most cases, incorrectly.

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 2017-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased a used car from XXXX XXXX XXXX XXXX on XXXX XXXX, 2017. The Finance Manager unable to complete ALL of the documents that day. Took my Deposit of over {$4000.00} and told me to come back the following Friday XX/XX/XXXX, when he would have the final paperwork done. I showed up, he was n't there, he left NOTHING. I called him several times and then on XXXX XXXX 2017 I sent a fax to their general manager, XXXX XXXX. He finally got ANOTHER finance manager to XXXX ( took a few days ) me the final paperwork, which I signed on XXXX XXXX 2017. The problem, is they and they 're Bank started the loan on XX/XX/XXXX. They were sending me past due notices for 2 months on XXXX XXXX, 2017, BEFORE the paperwork was completed. I have called the bank, chatted with them ( copy enclosed ), they have done nothing. You see they are " Sub Prime '' lenders and are taking advantage of me. I do not have perfect credit, and that is why they 're charging me over 18 %. I am trying to repair my credit, but these people are liars and sharks. How could they start the clock ticking when paperwork was not finished due to incompetence by the dealer 's finance department. This loan should not be past due, it should have started on the XX/XX/XXXX, when the deal was  finalized. I need them to FIX this, refund their charges, make this loan current ( IT SHOULD BE ) and contact credit bureaus and send me an apology. Or Better Yet, Explain to You, The Government what they are trying to do. this is abusive by both parties!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: AES/PHEAA
State: MS

Complaint narrative:
I  contacted American Education Services on Thursday,  XX/XX/XXXX  to speak with someone about filing a forbearance or deferment on my student loan. I was informed that they did n't have any options for me ( could n't lower payments, no deferments left, and no more forbearance time left ). I was upset with the fact that this company does nothing to help people try to do right by their student loans. They stated they did n't participate in the Public Service Forgiveness Program either. I am diligently trying to pay on all my loans, but these predators do n't bother trying to help you when you need a quick break from paying student loans because of other pressing life expenses. They should be sued and shut down for their ungodly practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tate and Kirlin Assoc
State: NC

Complaint narrative:
XXXX   XXXX   XXXX   is trying to get me to pay  XXXX  for an account I had with a credit card company  XXXX   XXXX . they just keep calling me and being rude even though I tried to work out a plan. I do n't want them to call me anymore for any type of collections. they are using another company to try and get me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is a follow-up to complaint # XXXX Since my first complaint on this matter related to cancelling PMI, I have had communication with Wells Fargo. Apparently the original BPO prepared never made it to the Bank. As a result, a second real estate professional was scheduled to prepare a brokers price opinion. The broker came on XXXX XXXX, XXXX to perform the property inspection. I followed up with a call to the Bank a few days later to determine if the valuation report had been received and to inquire if the value opinion reached was sufficient to permit the cancellation of PMI. During our call on XXXX XXXX, XXXX XXXX at Wells Fargo advised that XXXX XXXX now required a full appraisal instead of just a value opinion derived from a BPO. Though I am a XXXX XXXX, I researched the servicing rules established by XXXX XXXX as they are a matter of public record. The servicing guidelines advise in no uncertain terms that the servicer, not XXXX XXXX  determines the appropriate approach to establish the current value of the subject property. Why would XXXX XXXX blame XXXX XXXX when this is n't true? She further advised that she would have an appraiser contact me to set up an appointment for an inspection. As of today, I have not received a call from anyone attempting to perform an appraisal on the property.
As a reminder, the check for the {$200.00} fee was negotiated by Wells Fargo on XXXX XXXX XXXX, and still here we are no closer to resolution. I ca n't imagine that I am the only mortgage borrower being subjected to these games by Wells Fargo. I strongly recommend that your agency take a closer look at the PMI cancellation practices at Wells Fargo.

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 2017-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax  has not updated all my accounts,   XXXX   XXXX   has a balance of {$290.00} and has since been paid before due date of XX/XX/XXXX  and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.   XXXX   XXXX   confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
I took out my student loans from XX/XX/XXXX-XX/XX/XXXX and used XXXX XXXX XXXX  for my Federal and Private Loans. When I started repaying the loans back in XX/XX/XXXX, XXXX XXXX was the company who I dealt with for repayment. I stayed with XXXX XXXX for my Federal loan until XX/XX/XXXXwhen I submitted my first paperwork for the Public Service Loan Forgiveness Program.
I was told I did not qualify as my loans were not through an approved servicer so I switched to Fedloan Servicing for my time to count. I worked for the XXXX XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, the XXXX XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX, and now the XXXX XXXX XXXX ( XX/XX/XXXX to present ). I worked as a XXXX in all three offices so I should qualify for PSLF program.
As the PSLF program was created in XX/XX/XXXX, I believed that I should qualify for at least 13 payments ( XX/XX/XXXX to XX/XX/XXXX ) for my XXXX XXXX XXXX XXXX time, 24 payments for my XXXX XXXX XXXX time, and 21 payments for my XXXX XXXX XXXX time. When I submitted my first PSLF form in XX/XX/XXXXI was told none of my previous payments counted as I was n't part of Fedloan Servicing and payments I made to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX did n't count as XXXX XXXX was not an approved loan servicer.
When I took my loans out, the Federal government did not service loans and did not until years later. There was no notice that my payments did not qualify so until I got my rejection notice in XX/XX/XXXX, I did not realize that my payments did not count. I believe I should have almost 4 years in towards my loan forgiveness plan, but I am only getting credit for three years of payments.
I believe Fedloan Servicing should count the payments I made prior to switching to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has not updated all of my accounts to show correct information.  XXXX   XXXX  has a balance of {$290.00} and has since been paid before due date of  XXXX / XXXX /  XXXX   and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.  XXXX   XXXX  confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.

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 2017-05-28 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: MI

Complaint narrative:
I mailed a Multip le Inquiry Removal Letter  on  XXXX   XXXX  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I receieved the same response for all inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. ''  According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigated and if you do not investigate and respond, the CRA must delete the dis putes information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2017-05-28 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: MI

Complaint narrative:
I mailed a Multiple  Inquiry Removal Letter o n  XXXX   XXXX  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I receieved the same response for all inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigated and if yo u do not investigate and respond, the CRA must delete the disputes information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: High Performance Capital
State: CA

Complaint narrative:
XX/XX/XXXX Car Purchased - XX/XX/XXXX Car paid off -- -- -XX/XX/XXXX Amount their asking -- -- {$4.00}, XXXX Company Name -- -High Performance Capital Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX I would like to file a complaint to this company name High Performance Capital. I am very upset to High Performance Capital, because they do n't want to give my title of my car because they said I still owe them late fees for the amount of {$4100.00}. I was shocked and ca n't believe this? .I 've been dealing with different people regarding my vehicle account and I do n't know why also? They told if I do n't continue paying this they will reposses my car today XX/XX/XXXX. I was so frustrated and XXXX  do n't know what to do. I do n't deserve this.I paid off my car already and this is what I will get from them? .I did n't receive a statement for over two years and I just do n't know why? You can check their customers comments and review and it was really bad. This company need to shut down, the way they treated their customers is not fair. I do really need your help to speed up this process because I do n't want them to get my car. I am currently having physical, emotional and spiritual stressed and XXXX about what was going on. Please help me. I want them to stop harrasing me. I am loolking forward to hear from you soon. Enclosed a copy of my contract for you to see and review. Thank You. XXXX XXXX XXXX XXXX Email address : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I sent a letter of debt validation  on   XXXX   XXXX   XXXX   and they ignored my letter and sent me the attached letter which I received on   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: MD

Complaint narrative:
XXXX   improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in  XXXX   2017 , with the subsequent  three mo nths showi ng 30-60-90 da ys late payment. In  XXXX   XXXX  finally issued a statement ( due  XXXX   XXXX   2017 )  showing no amount due and no late payments. The  XXXX   2017    statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agencie s ( Transunion,   XXXX   XXXX   XXXX   ) was  to remove the single 90 day late for  XXXX     2017 f rom credit report and not remove th e 30  and 60 days late for  XXXX  and  XXXX     2017 on  the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due.

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