vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 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: United Resource Systems, Inc
State: AZ

Complaint narrative:
THIS MEDICAL DEBT FOR XXXX XXXX XXXX WAS JUST RECENTLY PUT ON MY CREDIT REPORT, I CHECK MY CREDIT REPORT OFTEN I AM WITH XXXX XXXX AND THIS WAS NEVER ON MY CREDIT REPORT. I SPOKE WITH A FEMALE NAMED XXXX, SHE ADVISED ME THIS PAID {$11000.00} AND THIS WAS PAID OUT OF NETWORK, SHE SAID FOR ME TO APPEAL THIS AND MAKE IT KNOWN THAT THIS WAS ALL UNDER PAID SHE GAVE ME MORE INFO IN REGARDS TO THE PAYMENT BEING REVERSED OUT ON XX/XX/XXXX, AND THEN PAYMENT WAS PAID {$4400.00} & {$4100.00} PAID ON XX/XX/XXXX ... ..TOTAL THAT WAS ONLY PAID WAS A LITTLE OVER {$8000.00}. SHE ADVISED ME TO APPEAL FOR XXXX XXXX XXXX. SHE STATED FOR ME TO ADVISE THE INSURANCE THIS WAS BEYOND HIS CONTROL FOR MEDICAL EMERGENCY. SHE STATED THAT THE XXXX XXXX XXXXXXXX WILL TAKE A PATIENT IF DEEMED NECESSARY AND OUT OF ONE 'S CONTROL. XXXX XXXX HAD A 2 XXXX AND HAS NOTHING, NO ASSETS BUT HIS CHILDREN .THE REASON FOR MY COMPLAINT IS THAT THIS WAS NEVER, I REPEAT NEVER ON MY CREDIT UNTIL I MADE THIS CALL TO FIND OUT WHAT WAS PAID FROM HIS INSURANCE. IF IN FACT THIS IS HIS DEBT AND NOW MY DEBT THEN WE SHOULD HAVE AN OPPORTUNITY TO HAVE BEEN NOTIFIED FROM THE ORIGINAL CLIENT TO GIVE SOMEONE AN OPPORTUNITY TO MAKE SOME TYPE OF ARRANGEMENT TO PAY {$10.00} A MONTH OR BE ABLE TO DISPUTE THIS FROM THE BEGINNING. THERE WAS NEVER ANY NOTIFICATION GIVEN ITS JUST ON THE CREDIT REPORT. MY COMPLAINT AGAIN, IS THAT THIS WAS NEVER ON MY CREDIT REPORT UNTIL JUST ABOUT 2 OR 3 WEEKS AGO AND IT'S BEEN IN COLLECTIONS FOR ALMOST 2 YEARS PER XXXX AT UNITED RESOURCE SYSTEMS. THANK YOU XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My name is XXXX XXXX and I am continually being harassed by the " Student Help Center '' associated with the Department of Education on my " student loans ''. I do not have/nor did I obtain student loans in connection with my college studies. The callers have been indicating they're associated with Navient. 

The calls are typically placed from XXXX and are associated with my work phone ( XXXX ). I've placed my number on the do not call registry and have continually requested to be removed from this call log, which has not happened for over six months. 

Let me know if you have any questions, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS 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 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
XX/XX/XXXX HunterWarfeild is alleging that I owe {$770.00} or so the amount keeps changing on my credit report the amount keeps going up. I reached out to this company and asked for a signed contract they sent me back a contract with forged signatures that are not mine. I wrote them a letter to explain that this information is incorrect. Im not satisfied with this being on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Chexsystems has failed to properly investigate an account listed on my report from XXXX XXXX. I've sent Chexsystems a copy of the police report to indicate I've been a victim of ID Theft. They originally told me that they would block the fraud account from my record but failed to do so. 

I feel very discriminated from chexsystems and felt like I've been unfairly scrutinized and mistreated from chexsystems.

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 2018-04-17 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: AL

Complaint narrative:
I called Transunion to remove inquiries that I did not authorize. I spoke with a US rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him the conversation I had with the other rep and how he was deleting unauthorized inquires and that our phone call was dropped, I asked if he could continue and he said he could not. Needless to say, he did not help me with removing the unauthorized inquiries. I have had this issue with XXXX and XXXX as well. I can not get anyone on the phone who is willing to assist with deleting these items. There is a total of 10 inquiries that need to be deleted, they are : XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX/XXXX dated XX/XX/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 2018-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
loan # XXXX I refinanced my Mortgage after it was transferred to Freedom Mortgage phone # XXXX, spoke with XXXX ID # XXXX In the process of refinancing both myself and my refinance escrow company spoke with Freedom about a payoff and refund of my tax impound account. 
I was first told that they would send a refund check to me when the mortgage payoff was made to them. 
The payoff was made on XX/XX/18, from XXXX XXXX XXXX, the balance due me from the escrow account was XXXX and instead of sending it to me after it closed they send it to the County of XXXX XXXX XXXX on XX/XX/18 to double pay the taxes I already paid through escrow so that the new loan would fund. 
Upon calling both the County of XXXX XXXX XXXX and Freedom Mortgage I can now not get that refunded to me in any timely manner. It takes a month for the County to refund Freedom Mortgage and up to 30 days for Freedom Mortgage to refund me after they get the money from the County.

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 2018-04-17 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: MS

Complaint narrative:
XXXX XXXX XXXX account No. XXXX out of XXXX XXXX, Tx submitted a delinquent account on my behalf, XX/XX/XXXX. I did not apply for credit with XXXX bank and they list an address of XXXX XXXX XXXX XXXX, XXXX, Fla.XXXX. I have NEVER lived in XXXX. This account is not MINE. 
I wrote a letter to Experian, disputing the report. I sent them copies of my bills at my present address, which I have lived at since XX/XX/XXXX, and proof of my previous address for 27 years prior to that. I sent a copy of my Ms. drivers license, copies of my cable bill, copies of the security system, copies of my power bills, etc, proving that I live at XXXX XXXX XXXX XXXX, XXXX, Ms . 
I mailed all of this on XX/XX/XXXX, signature required. I received Experian 's reply today XX/XX/XXXX, stating it would remain on my credit report. 
Can you help me. 
Thank you

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 2018-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
XX/XX/2015 / XXXX / put this on credit as a collection. No contact with Real Time Solutions. I disputed this 30 day 's ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX I used BB & T online bill pay to pay my daughters XX/XX/XXXXreal estate taxes to XXXX XXXX, XXXX County tax collector. It was insufficient due to a late penalty being added, so they returned it to my bank account XX/XX/XXXX by the same electronic transfer thru their XXXX   XXXX XXXX. 

( See next complaint against XXXX XXXX XXXX ) ( Returned funds yet to be received by BB & T )

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 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
I am having a financial hardship and thus got behind on my mortgage. I was able to qualify for a hardest hit fund program in Oregon and payment are being made. The Sale date was postponed but the Loan was sold from XXXX XXXX to SLS ( Specialized Loan Servicing LLC ). I was never notified in writing that SLS kept the sale date that it was postponed too prior with XXXX XXXX. SLS has had the Loan less than 40 days and is already going through with the Sale date. I tried calling them and they wouldn't even let me postpone the date so I can try to sell or try to pay the reinstatement amount with OHSI 's program. I received a letter from SLS on XX/XX/2018 letting me know that I was behind and that they have mitigation options but never any notice for foreclosure. They are still receiving payments from hardest hit fund but will not work with me to postpone date.

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 2018-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: SC

Complaint narrative:
In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', BBL actually owes me {$1100.00} in overpaid interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX is reporting this account to Transunion Ive already reached out to Transunion explaining to do a thorough investigation. Im going to attach these documents with this signature that is not mine from a contract that was sent to me. I want this investigated again. The amount keeps going up on my credit report I dont understand how they keep jacking the price up on this zombie debt thats not 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 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX this account was not authorized to added to my credit report due the company they purchased the account from XXXX. I never opened an account with them with my authorized this account when the account was opened. The account was going to address that I am not even associated with at all. Please remove from my all three credit report promptly. I have contact over the phone and via certified mail to have this item removed with no response. I should not be penalized for an account that I never opened in the first place. It annoys me I have to go to these extreme to have this account removed. It seems that these companies should really do all they can not to adversely affect someone's credit unless absolutely necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: LendUp Loans LLC
State: TN

Complaint narrative:
I had a loan with XXXX and paid it in full on XX/XX/2018. It is still on my credit report as owing a balance and late. I need it to show as Paid off with a {$0.00} balance. I am trying to fix and build my credit and this is harming me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I called XXXX to remove inquiries that I did not authorize. I spoke with a US rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him the conversation I had with the other rep and how he was deleting unauthorized inquires and that our phone call was dropped, I asked if he could continue and he said he could not. Needless to say, he did not help me with removing the unauthorized inquiries. I have had this issue with Equifax and XXXX as well. I can not get anyone on the phone who is willing to assist with deleting these items. There is a total of 10 inquiries that need to be deleted, they are : XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX/XXXX dated XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: KY

Complaint narrative:
I have not heard back from LexisNexis regarding a credit report dispute, and it has now been 60 days. I opened a dispute with LexisNexis on XX/XX/2018. The case number that I have refers to this date in the number. I have phoned LexisNexis 3 times in the past month, each time speaking to someone who tells me that the dispute is still in process and that perhaps staff made an error on the date. I have been told twice over the phone that the dispute has been escalated due to LexisNexis error on the date of filing the dispute. One representative ( XXXX ) told me that when I called the first time to check on it after 30 days, the date was changed to that date, XX/XX/2018. 

About the dispute itself : LexisNexis is reporting incorrect information to XXXX on my personal credit report regarding a bankruptcy. An update that appears in court records is not reflected on the record included on the XXXX report. XXXX has verified that it received the information from LexisNexis. 

The bankruptcy case was a discharged Chapter XXXX, not a Chapter XXXX as reported. I disputed the Chapter number of the bankruptcy that was reported.1 ) I am requesting a correction to the Chapter number 2 ) As it has been 7 years since filing, I am requesting this bankruptcy be removed from reporting by LexisNexis .

I am attaching the XXXX dispute, and two US Bankruptcy court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
I was in contact with an Associated bank phone banker on a Sunday ( I dont have dates due to not being able to log into my account currently ) and was told I needed to go into a branch to dispute unauthorized charges that were on my debit card. The phone banker put a freeze on my debit card that day. I was able to get into a branch 2 days later due to work schedule and there bank hours. I spoke to the branch manager and explained to him there were 3 charges that  were unauthorized for over XXXX with international fees and charges. I signed the form that the banker went over with me and he submitted it to there fraud department. He did say I would be receiving notice of the dispute and that if could take 7-10 business days. I received no notice during the 7-10 days that my dispute was in processing or any form of update throughout the 7-10 days stating that it was in process. On the 10th day I received a notice in the mail stating my dispute was denied and that the charges were authorized based on the information gathered. I then called 2 different occasions and requested that information that was gathered that said I did make those charges. I have yet to receive this information and keep getting the same answer " we sent that department an email. '' I have not been given any information and noone has been willing to provide me a intelligent answer or provided me info regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I had a Vehicle Loan and Personal Loan with USAA Savings Bank in XX/XX/XXXX. I went thru a divorce and left XXXX in XX/XX/XXXX. There were several months i missed payments on these loans. I paid the vehicle loan balance of {$17000.00} and personal loan balance of {$2800.00}, before USAA got it to collections. 

They put on my credit report both loans were charged off and never paid. I submitted a complaint to the XXXX XXXX XXXX, complaint # XXXX and they got USAA to remove statement they were never paid. 

USAA continues to put on credit report both loans were charged off, when in fact they were paid in full and they did not charge off any losses. 

USAA auto loan is account # XXXX USAA personal loan account # XXXX ( last 4 numbers not shown on credit report ) USAA was paid in full sometime in XX/XX/XXXX-XX/XX/XXXX, can not recall exact date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis & Associates a debt buyer/collector shows on my credit report with the original creditor as XXXX XXXX. XXXX XXXX is a property management company in my general area I assume rents properties. I have never done business with either of these companies. Shows an open date of XX/XX/2014 I have been in a motor home the last five years. Not my debt. Please remove from the CRA 's

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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:
XXXX XXXX XXXX ( PHEAA ) unlawfully converted my XXXX Grant to " irreversible '' loan due to a paperwork error on their part in the fall of XX/XX/XXXX. This has been on ongoing issue that began in the summer of XX/XX/XXXX when I tried to submit verification forms for my service agreement. They claimed they did not receive paperwork and also gave me a fax number that did not work after many many attempts. They converted my grant to a loan ( of XXXX including interest ), even though I had completed all of the service requirements they requested and as were outlined in my service agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My father passed away in XX/XX/XXXX. I had been residing with him and after he passed, I continued to pay his mortgage until I became ill in XX/XX/XXXX, and fell behind on payments.I received a notice of sale in late XX/XX/XXXX. 
I contacted the lender to request assuming my father 's mortgage and was informed that I needed to complete Probate to acquire title to the property BEFORE being allowed to apply. In mid-XX/XX/XXXX, I was able to save enough money to hire an attorney to start the probate procedure. We received the earliest hearing date available, which is XX/XX/XXXX however, on XX/XX/XXXX, Shellpoint 's representative XXXX communicated to my attorney that they would not postpone the sale beyond XX/XX/XXXX unless they received a payment of 5 % of the total amount needed to payoff the loan and the Probate Letters of Administration ( giving me title ) to even CONSIDER an application to assume the loan. 
When my attorney expressed that obtaining the Letters of Administration before XX/XX/XXXX was a physical impossibility, XXXX replied that " you'll need to get creative '' to make that happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation