vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 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: TX

Complaint narrative:
I attended XXXX XXXX XXXX  and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through XXXX, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/XXXX and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/XXXX   these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.

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 2020-01-07 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I was discharged form a Chapter XXXX Bankruptcy on XX/XX/2018 ( Case # XXXX ). I  have been receiving notices from a Collection Agency ( XXXX XXXX XXXX ) since the discharge requesting {$67000.00} in payment for delinquent mortgage payments to SLS ( Specialized Loan Servicing LLC ). Although we were in a Chapter XXXX Bankruptcy we continued making mortgage payments to " XXXX XXXX XXXX  '' not SLS. I have been told that SLS has placed a lien on my house which has adversely affected my credit. I want to resolve this conflict of 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 2020-01-07 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: IL

Complaint narrative:
An account appearing on my bureau which is XXXX XXXX   and it actually XXXX XXXX XXXX which purchased my auto loan when XXXX XXXX closed their doors the loan has never been late and has been paid in full.. I am attaching the letter I got from XXXX XXXX XXXX. along with the paid in full..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: IL

Complaint narrative:
An account appearing on my bureau which is XXXX XXXX   and it actually XXXX XXXX XXXX which purchased my auto loan when XXXX XXXX closed their doors the loan has never been late and has been paid in full.. I am attaching the letter I got from XXXX XXXX XXXX. along with the paid in full..

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 2020-01-07 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: FL

Complaint narrative:
My information has been compromised and is affecting my credit in a negative way. I have several collections and account that do not belong like XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Please help me in this matter to remove any incorrect information off my credit report because it doesn't seem that the credit bureaus are much help. Thanks in advance for your help in this matter.

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 2020-01-07 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: FL

Complaint narrative:
My information has been compromised and is affecting my credit in a negative way. I have several collections and account that do not belong like XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Please help me in this matter to remove any incorrect information off my credit report because it doesn't seem that the credit bureaus are much help. Thanks in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX of 2019 my identity was stolen. Someone went to a shady website online called XXXX XXXX XXXX, and submitted multiple attempts to obtain an auto loan in my name. I found this out initially when I started receiving emails from multiple local companies about attempted auto loans in my name. Most of them didn't affect my credit but one local company put a hard inquiry on my report. I went to the store in person, obtained proof of the attempt to obtain a loan in my name. This documentation they of course have on file. The company has yet to contact the credit bureaus to remove the inquiry and both XXXX  and TransUnion will not remove the inquiry from my account despite attempts to dispute. They haven't asked for any documentation or inquired for further information. This ONE inquiry has substantially hindered my ability to improve my credit score. Please help! I am part of the XXXX data breach settlement which caused all of this in the first place. My credit accounts have had to be freezed indefinitely until my identity can be restored. Thank you for any help you can offer.

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 2020-01-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have contacted Equifax and XXXX  on several occasions ( XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 and XX/XX/2019 ) in regards to fraudulent accounts/public records on my credit report. They have done everything BUT follow the FCRA. They have refused to accept my FTC report/police report pursuant to Section 605B.  XXXX  is asking for another affidavit stating it does not look like an original when it was printed from the website. Equifax has sent letters stating they can not locate my file. Then a letter confirming receipt of my letter mailed XX/XX/XXXX. They are not compliant with the FCRA. I have previously filed a complaint with CFPB and not only did they take longer than allotted to respond they did not fix the issue. Equifax continues to ask for proof of identity which I have supplied SEVERAL times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eagle Recovery Associates, Inc.
State: IA

Complaint narrative:
I had a medical bill for XXXX sent to XXXX in XX/XX/XXXX. I paid {$30.00} on it, never heard back from them. Received a notice from Eagle Recovery Associates in XXXX of XXXX for the amount of {$68.00}. I was working on paying off a medical bill with Eagle in the amount of almost {$1900.00}, which I just paid off. I gave permission to have them deduct a monthly amount of XXXX until it was paid off. They called me and said I owe the {$68.00} last week. I told them I pd XXXX in XXXX of XXXX on that and never heard back. I sent Eagle a certified letter with a copy of the check payment for the {$30.00}. They took another {$50.00} out of my account for THIS bill and never had my permission, the arrangements were for the large medical bill and it was paid off, NOT this bill for the XXXX. I have copies of every letter, bank statement and proof of payment and now telling me I still owe XXXX?? I want my money refunded that they took from my account without my permission for one. And for the over payment.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: DE

Complaint narrative:
Cash App ( Square ) sent me a cash card ( Checking account debit card ) for which I never applied for. It appears that someone has stolen my identity as I was contacted by XXXX XXXX and advised that a fraud ring has my information and an account was attempted to be opened with them. 

Square sent this card to my home address with no other information ( no phone number, no email, and no address to respond to them ). I am concerned about fin techs that don't have proper controls or the ability to resolve a fraudulent account openings. 

I called square and they said that is a separate company not affiliated with Square. ( But  their name is on the bottom of the Cash app website ). They said I had to fill out a form on the cash app website ( https : //cash.app/help ). When I clicked on the contact support link the website page asked for my email or phone number which is impossible to provide since I didn't request this card ( and the identity thieves put their contact information not mine ). In order to fill out a form they require a phone number or email address to do so. This is frustrating since I didn't open the account and don't have the information the fraudsters used to open the account. 

Meanwhile the account remains open with my name, ssn, and dob and no avenue to  close or resolve the issue. Additionally the fraud will continue on the account without any ability for me to stop it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: VA

Complaint narrative:
Good Day, Over a year ago I was informed by XXXX XXXX and other credit agencies that Equifax has a Red Flag on me. I called Equifax and I was told that there isn't one, and then again same problem now, I was again informed by XXXX that they wouldn't provide Equifax information because Equifax has a Red Flag on me. So basically I have been boycotted by Credit Agencies because everybody think I am wanted person, or committed a crime. 
Their slander, and inaccurate information wasn't reported to me, or never notified of any discrepancies. Equifax decided without any bases to slander me, and destroy my credibility and have refused to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC
State: NC

Complaint narrative:
We were billed twice on the same day for the same month of service last XX/XX/2019. We contacted Service Finance immediately and a representative told us that management was responsible for the error and we would get a check by the end of the week. I called at the end of the week to see if the check had been mailed out and was told that management had now decided not to send a check but they were going to apply it to principal. I told them that was unacceptable as I had a witness while being told over the speaker phone that management told us they were responsible and was their error. Then another representative later told me that in the state of Florida  it is not allowed to have a witness overhear a conversation. I do have a XXXX area code that is for XXXX XXXX, Florida, but I told him I am a resident of North Carolina and the loan is in NC for 2 Sunrooms. I believe he was surprised by that but continued to say I entered the information twice for payment and was not going to get a refund or any cashback of the {$74.00} the XXXX XXXX XXXX charged me. Now, due to a software called XXXX at XXXX XXXX XXXX, I received a overdraft fee of {$140.00}. I was told I would have received a full refund if I didn't have the previous {$74.00} charge. On XX/XX/2019, XXXX XXXX said they based their decision on the fact XXXX XXXX told as a response to my complaint that If they had been at fault in any way with respect to the erroneous payment, we would have absorbed all fees imposed on Mr. XXXX. Remember I had already been told and had a witness which we are now creating an affadavit and having a Notary sign it with signatures from me and my witness declaring management was going to take full responsibility for the problem and would send us a check back. This erroneous information given to a federal regulating governmental agency has caused me 'damages ' and XXXX XXXX Dispute Resolution said the first action to take is to dispute the second ACH withdrawal that was 'not authorized ' nor entered my me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: Riverwalk Financial Corporation
State: IN

Complaint narrative:
Cars were given back and wrote off as repo

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am writing to you once again in regards to the loan you have on file as RE : XXXX Reference # XXXX, Property address:XXXX XXXX XXXX XXXX , FL XXXX, Source file # XXXX. 
Mr. Cooper has indicated in previous responses that XXXX XXXX is the owner of the loan. Please provide the XXXX XXXX loan number. XXXX XXXX states : The servicer must maintain permanent mortgage account records for each loan it services for XXXX XXXX. The records must be identified by XXXX XXXX loan number ( and any related participation certificate or MBS pool number ) in addition to any other identification the servicer uses. Also, it is my understanding that as the current servicer of the loan, Mr. Cooper is required to have full & complete accounting records from " origination '' to present. If any accounting is missing-all numbers are questionable. CDS 's are credit default swaps-All 3rd party payments, properly accounted for, should serve to reduce and/or extinguish any outstanding obligation ( the note ). There must also be evidence of proper negotiation, transfer and payment, which should accompany the " original '' note to give it credence and enforcability. XXXX XXXX has a discrepancy with the principle amount Mr. Cooper/Nationstar Mortgage, LLC was attempting to collect. The amount reported by XXXX XXXX is not the same as the amount reported by Nationstar Mortgage. There is no loan. Nationstar Mortgage has been collecting on a debt which was paid off and does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This message is to Follow Up on Complaint ID : XXXX with USAA Savings Bank. 

I appreciate receiving a call from XXXX XXXX and XXXX XXXX regarding this ID Theft matter. I have explained the scenario to them verbally and they have agreed to remove the account XXXX for {$4100.00} from my XXXX credit report, as this is the only bureau still reporting this account. 

I reviewed my report and came to find out that they removed the incorrect USAA Savings Account from my XXXX report. The account XXXX was removed instead of XXXX ( the fraudulent account ). The account XXXX is my account and I have not disputed this account. This is legitimate. It's the account XXXX that was activated without my authorization. 

I have been attempting to contact XXXX at ( XXXX ) XXXX, left VM messages as well, however no response as of yet. I understand that it may be the holidays. If this is the not case, please fix my account as soon as possible so I can move forward from this. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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: NJ

Complaint narrative:
I have contacted XXXX and Transunion on several occasions ( XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 and XX/XX/2019 ) in regards to fraudulent accounts/public records on my credit report. They have done everything BUT follow the FCRA. They have refused to accept my FTC report/police report pursuant to Section 605B. Transunion is asking for another affidavit stating it does not look like an original when it  was printed from the website. XXXX has sent letters stating they can not locate my file. Then a letter confirming receipt of my letter mailed XX/XX/XXXX. They are not compliant with the FCRA. I have previously filed a complaint with CFPB and not only did they take longer than allotted to respond they did not fix the issue. XXXX  continues to ask for proof of identity which I have supplied SEVERAL times.

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 2020-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
On Tuesday XX/XX/2019 I contacted Mr. XXXX at Mr. Cooper 's Home Loans to refinance my current mortgage held by Mr. Coopers. Mr. XXXX indicated that based upon my circumstances he recommended that I refinance the house in order to lower my payment. I have a copy of the e-mail where he made the recommendation. He then indicated that I needed to go on and complete the application and provide the supporting documentation in order to close the refinance. I went online and completed the online application and submitted the appropriate documentation. On XX/XX/XXXX I emailed MrXXXX XXXX and informed him that I had submitted all of the paperwork and wanted to know what were the next steps. He emailed me back indicating that he wanted to make sure " we were on the same page ''. I did not hear back from him again and then when I went online and my refinance was completely removed online. I then contacted Mr. XXXX again from XX/XX/XXXX to XX/XX/19 with no response and no updated phone call. I then contacted Mr. Cooper regular customer service and they couldn't provide an answer. I then talked with a mortgage associate named Mr. XXXX and he indicated that he would not issue me the refinance because he thought I was better off in my current loan. I then contacted MsXXXX XXXX who is the manager for both mortgage associates and she agreed that my refinance was not handled correctly and that she would work to get it put back together and have it completed and that it was my decision to refinance not the mortgage associates. I then received a call again from Mr. XXXX and was told that I needed to stay in my current mortgage. I then contacted MsXXXX XXXX and Mr. Cooper 's Consumer Affairs and have not received a return response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am pending a lean request waiver on my old car so I can put vehicle plates on my new car. I purchased my new car XXXX XX/XX/2019. My first complaint was XXXX XX/XX/2019, and I hace complained to the bank once per week since. They have failed to provide the lein request waiver, and do not document our conversations in their system. Everyone I speak to is 'Sorry ', but nothing has actually been done to help this situation move forward on the Bank 's side.

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 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a purported letter from Equifax, stating that they have been attempting to reach me. The letter states : Contact Equifax Customer Care Team at XXXX. After contacting Equifax at their true and correct number, I was told that this letter is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Chicago Car Center, Inc.
State: IL

Complaint narrative:
Lender is stating that Ive made no payments in XXXX and is threatening repo. I have proof that I have been making payments and communicated with via text message about discrepancies. On XX/XX/2019 i was told i owe {$360.00}. Ive made {$200.00} payment on the XXXX. Leaving me a balance of {$160.00}. Lender is saying because its late it doesnt count and I dont understand the policy. Of which policy Ive been asking for for over 6 months and never received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: U.S. BANCORP
State: AR

Complaint narrative:
TO ALL CREDIT FURNISHERS, ALL ACCOUNTS THAT SHOULD BE REPORTING ON XXXX, TO WHOM HAS VIOLATED F.C.R.A. 15 U.S.C. Section 1681g since XX/XX/XXXX must effective today re-insert the account back into transunion suppressed credit reports.or face class action litigation in 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