vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 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: MS

Complaint narrative:
I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Equifax and XXXX XXXX regards inquires that are reporting to my credit report that occurred before I became XXXX   years old. I turned XXXX  on XX/XX/XXXX. Equifax stated that I was born in XX/XX/XXXX, therefore I submitted DL, birth certificate to validate my dispute. Upon receipts on documents they stated that they could remove the inquires I did understand because I was told by a agent that they will be removed. Ive reached to companies listed below, there unable to locate An application with my name on it. They stated they would forward documents over to credit agency and I. I have not receive documents nor have inquires been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Center Inc
State: ND

Complaint narrative:
I have had garnishments for my medical debt for approximately 3 years now. I did not know that collection center inc. was doing this until I went to try for a home loan. Apparently when my garnished amount gets to collection center inc., they apply {$1.00} to every bill we have with them. This seems very unethical because the amount I owe them never seems to decrease. I am not understanding why they do not apply the money to the lowest bill owed and move up from there so that some of the individual bills are paid off in full. The way that it is being paid now causes it to look like I pay nothing because the interest adds up more than what I have paid on each individual bill. This seems to make it look like I do not pay them at all. This issue is the only reason I was denied my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am attaching the investigation request I sent to XXXX and Trans Union on XX/XX/XXXX. Both have taken longer than 30 days to respond.

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 2018-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Social Finance, Inc.
State: PA

Complaint narrative:
On XX/XX/2018 a Sofi manager said she would expedite my son 's application if I would immediately upload my college transcripts of which I followed her instructions precisely. However, somehow the application fell through the cracks at SOFI. The application was never expedited as promised and was closed. For three weeks, I have been trying to speak with a manager to find our how we can re-open the application and for some reason SOFI keeps dodging me on speaking with a manager. I have called numerous times and sent numerous emails. Sofi keeps saying the manager has been unable to reach me but what they are doing is calling once and hanging up immediately. At this point, I am starting to see the light. This is all part of a harassment tactic of theirs to stop me from pursuing my case. I want to report them for harassment and unfair business practices. Also, their process is not streamlined and hence the need for the expediting process but this is a long story and far less important in comparison to the harassment I have been receiving by them. Desired Outcome : To have a manager phone me and not hang up and to re-open our original application at the original contracted interest rate. I do not want to start a new application at the higher interest rate ( interest rates have climbed and is now 1 % higher than the original application date interest rate )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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:
As a consumer on multiple instances, I have written several letters to XXXX TransUnion, and XXXX exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g, I have simply requested original hardcopy documentation, fully and totally verifying that all items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, TransUnion, and XXXX are in violation of the FCRA.

I will upload the letter, I received from the U.S BANKRUPTCY COURT confirming that they do not report information to XXXX, TransUnion, and XXXX. in addition to a letter from XXXX  confirming my file with them is and was locked when XXXX, TransUnion, and XXXX claimed to have verified information through them, which is illegal and against the law. Along with the complaint letters I sent to XXXX, TransUnion, and XXXX.

" I'm asking that the CFPB assist me in this matter because XXXX, TransUnion, and XXXX has violated my rights to the fullest and this matter has affected my life in the worst way.

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 2018-08-15 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:
XXXX XXXX has refused to remove a bogus address, possibly related to ID theft.

I have disputed this multiple times I have never been to New York I don't want to go to New York THIS IS NOT NOR HAS IT EVER BEEN MY ADDRESS, EVER!

Address XXXX XXXX XXXX XXXX, NY XXXX I SUSPECT ID THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ

Complaint narrative:
I am not aware of ever signing for this loan. At the time of accepting the repayment terms with Conserve, I mistaken them for a different loan I took. In my graduate year I was paying mostly in cash because I wasn't qualified for other federal loans. I have made several attempts to speak to someone from Conserve, but to no avail. I have emailed them with my frustration and demanded answers, but no one emailed me back and no one called me back. 

Conserve has been deducting {$140.00} from my account every month since XX/XX/2013. I checked my balance last year and it was less than {$1000.00}. This amount should have been paid in full by now. I went into the website to check again but there was no information about my account or balance ( Which should be XXXX   by now ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I was informed by several people that operate businesses in the same category as mine that Frost Bank would be a good choice for my banking needs, since they had accounts currently operating with this financial establishment. I reached out to my local branch around XX/XX/XXXX, and later had a meeting with the Senior VP of Business Banking XXXX XXXX. I explained my business needs, why I had decided to sever my relationship with XXXX XXXX XXXX, ( keep in Mind I have amazing Credit, zero delinquencies, along with an excellent banking record ). I provided Frost with any requested account information, financials, and a list of all current customers. Upon review of my customer information, Frost decided that they did not feel comfortable opening an account for me based on the fact that my customers were not all in Texas. I don't know who can really operate an only local business and survive in todays economic conditions. The problem I have here is that I know other businesses, exactly the same as mine with Frost accounts and good standing relationship. These business owners also have accounts across the country as I do. Frost is blatently discriminating against my business because it requires me to use my own cash that I must withdrawal from their branches, and they do not want to deal with providing that service to a customer. Very disappointed with a local bank built on the backs of small business owners like myself, not willing to work with me or my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I applied credit card and rejected my application got the letter on XX/XX/2018. My application id is # XXXX. After contacting customer care they said they were not able to find credit history and asked me to send SSN fax. I did my SSN fax on XX/XX/2018 and confirmation number is # XXXX. Between XX/XX/2018 and XX/XX/2018, an inquiry made by CITIZENS BANK was added to your credit report. They rejected my application because i am staying in USA on XXXX XXXX XXXX, Credit report manager confirmed this on XX/XX/2018 evening around XXXX XXXX. Why they pulled my credit report again? What is the need of those many times doing hard inquiry? They didn't inform about that. Kindly do the needful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: MD

Complaint narrative:
Ive recently disputed fraudulent/erroneous accounts on my my credit reports with Transuion, XXXX, and know XXXX.The accounts in question have no payment history, missing information, and is incomplete and the Credit bureaus are continuing to report the accounts knowing this.Ive still have yet to receive requested documentation on these accounts XXXX aka XXXX XXXX XXXX XXXX   XXXX as well as XXXX XXXX-XXXX.These accounts DO NOT belong to me. All 3 CRA 's are in violation of the FCRA section 609 ( a ) ( 1 ) ( A ) requiring them to provide physical documentation and an original signed consumer contract.As well as section 623 of FCRA.Ive done as much as I can do, the creditors are giving me the run around and the CRA 'S are reporting these accounts that are incomplete/missing information in witch they can not do.Ive moved forward with my attorney to persue legal action against all parties, Ive also sent information to the FTC as well.

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 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
On XX/XX/2018 i received a copy of my credit report from XXXX, XXXX, and XXXX credit report companies. The company named XXXX XXXX XXXX has reported false credit information to the three bureaus. I have contacted them on numerous occassion and to no resolve they continue to report false information to the credit bureaus. First, i do not have an account with this company. Nor there is no agreement with this company that has listed on my credit reports as tho i have established a relationship with them as of XX/XX/2018. XXXX XXXX is engaging in fraudualent acts by electronically reporting false, untrue information to benefit their company. Midland is aware that the facts of this reporting to the credit bureaus mentioned is FRAUD. I do not owe Midland XXXX   dollars. I have asked repeatedly for a contract or some type of proof which they have not provided because there is NONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: GA

Complaint narrative:
I recently needed to have my XXXX XXXX XXXX  due to them being 20 years old. I went to XXXX XXXX. They recommended greensky because they said insurance would not cover it. Mind you they did not file a claim with the insurance. Anyway they got all my personal information and applied the credit. The procedure was to cost XXXX. I was approved forXXXX. Well apparently Greensky allowed XXXX XXXX to charge up the entire balance of XXXX leaving a XXXX balance. When I called to refute the extra charges they pretended to not know that happened and said they couldnt do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: WI

Complaint narrative:
My loan reached maturity in XX/XX/2018 with a balance still remaining. There is still a little over {$7000.00} owing on the mortgage. I have attempted to contact XXXX  and have been told that I do not have any options other than to pay the entire remaining balance. I can not afford to pay over {$7000.00} at one time.

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 2018-08-15 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: NJ

Complaint narrative:
I applied credit card and rejected my application got the letter on XX/XX/2018. My application id is # XXXX. After contacting customer care they said they were not able to find credit history and asked me to send SSN fax. I did my SSN fax on XX/XX/2018 and confirmation number is # XXXX. Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX XXXX was added to your credit report. They rejected my application because i am staying in USA on XXXX XXXX XXXX, Credit report manager confirmed this on XX/XX/2018 evening around XXXX XXXX. Why they pulled my credit report again? What is the need of those many times doing hard inquiry? They didn't inform about that. Kindly do the needful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: MS

Complaint narrative:
Since XX/XX/2018 the company EOS CCA has been reporting false information to XXXX, XXXX, and XXXX. This company has committed fraud by reporting false information. I have contacted this company on several occassions and informed them that i have FULL MEDICARE COVERAGE and have for the last three years. I have mailed in documents. Also the creditor has billed MEDICARE and have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
Vehicle Repossession, Proir to my Husband 's Death on XX/XX/XXXX, I XXXX XXXX Has never recived a bill of sale the account is reporting as an Charge Off on my Report Report with a Balance of $ {$8700.00}. I would like for that Account From Overview You've paid off 44 % of the original amount. 
Balance {$8700.00} Highest Balance $ XXXX Monthly payment {$330.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Term 77 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX Creditor Information GM FINANCIAL XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2018, around XXXX, I called TransUnion 's " fraud victim assistance department '' at XXXX. It is an automated system. I repeatedly received an error message stating that " the call could not go through. XXXX. '' I then called another TransUnion phone number XXXX on about 7 different occasions from approximately XXXX to XXXX. Each call lasted approximately 10 minutes including hold time. I spoke with at least 6 employees ( " XXXX '', " XXXX '', " XXXX '' ) who all connected me to an automated system ( resulting in the above message ), despite my numerous pleas to speak with a live agent. Only after demanding to speak to a supervisor ( XXXX ) was I transferred to a live agent in the appropriate department. Apparently, I should have been calling XXXX, which is NOT a number that is posted on TransUnion 's " Contact US '' page. I wasted at least 2 hours of my day on what should have taken 20 minutes, and I don't think other consumers should have to go through that.

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 2018-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cordoza & Wexler Recovery Services
State: TX

Complaint narrative:
I was contacted by Cordoza & Wexler Recovery Services on XX/XX/XXXX. They left a voicemail for my husband and me stating that they had a case under maiden name ( XXXX XXXX ) and SSN and needed to contact me in order to recoup money owed to a creditor, or the case would go to court. I called them back at XXXX. At the time they did not provide me with much information, other than a payday loan originating in XXXX that went unpaid in XXXX was now needing to be paid or go to court. I did not take out such a loan. I called them back on XX/XX/XXXX for more information and they sent me an email with the information stating that XXXX XXXX XXXX was the payday loan provider. They also provided me with an old XXXX checking account number, which has been one of my accounts. I called XXXX XXXX XXXX, and XXXX XXXX, both pay day loan providers they listed and they both confirmed that I do not and never had pay day loans with them and they confirmed that they did not turnover to Cordoza & Wexler for recovery services. I last spoke with a XXXX at Cordoza and she said that I could settle for {$190.00} before they sent over to court. The voicemail received on XXXX was from XXXX XXXX XXXX. The email I received with the " proof '' of the debt came from XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Hello. I got the credit alert that I have negative report by SWC.

I never opened any SWC or XXXX   account.

So I called XXXX  and SWC ( southwest credit system ).

SWC they couldnt find any of my info. even I let them know my full SSN ( They asked me ) Of course they dont have the record. I never owed money.

" looks like Mixed-record " thats what they said.

I checked SWC company reviews and reviewers are saying they never delete the record. ( even its not mine )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I made a XXXX payment on complete accident. I called on XX/XX/XXXXand asked for it to be returned. I even made XXXX $ to cover the minimum payment. They finally said they would do it and took my DDA info over phone. I was very unclear on the expected timeframe. I called today XX/XX/XXXX and they said it was declined. I talked to a " manager '' XXXX  ID XXXX. Who was incompetent and clewrly not well trained. He could not tell me why my request was declined. All he could REPEAT was to wait for the letter. I can't believe you don't have to software to tell me why or see the letter. I filed a formal complaint with him. This CFPB Complaint and will be faxing. I demand the money that is mine to be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect
State: WI

Complaint narrative:
Debt collectors can not falsify information or present themselves in a way that is deceptive including making false claims about the amount of the debt, who they work for, or what they will do if you do not pay the debt. 

Americollect on XX/XX/2018 called and claimed without telling me who they were that they knew my mother and it was a personal call. It was only till I insisted later in the call that they properly identified themselves but at this time I had already given them a number I would otherwise not have. This violates the law as they presented themselves in a deceptive way.

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