vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: OH

Complaint narrative:
Hello, This concerns XXXX and my loans with that company. I have been paying on them for years but went into grad school so have had them in deferment for a year. 
I tried to log in a few months ago and the website said that my login information didn't work, that there were changes being made and issues with the site, and to wait. I couldn't log in for weeks. 

I tried to log in yesterday and it looks like XXXX has been changed to XXXX. My log in information does not work, and my social security # is not recognized at all. 

I called ALL numbers provided on the site for assistance, and my loans are nowhere to be found and there is no history of me being a client/borrower by using both my social security number and my mom 's ( who originally it was under ), and both of our birth dates. 

I am extremely concerned that my loans are with another company accruing interest and penalties for late payments and i have received NO notifications from XXXX about this change or what to do. The last email I received from them was XX/XX/2017 when I requested a pin number for a password change. 

I'm not even sure if these loans are private or federal and if theyre from my XXXX XXXX University XXXX or my 1 year at XXXX University. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: GA

Complaint narrative:
On XX/XX/2018 I submitted a dispute to XXXX, Transunion and XXXX in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.

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 2018-08-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I submitted a dispute to XXXX, XXXX and Experian in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.

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 2018-08-02 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: Credit Plus Inc
State: LA

Complaint narrative:
Credit Plus in on my XXXX  Credit Report 4 times and I did not apply for a Mortgage. I own a home already and did not speak to anyone about buying a home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: GA

Complaint narrative:
On XX/XX/18 a truck service told me theyd charge a {$100.00} flat fee to put air in one of my tires on the rd. I gave them my card number to secure their services. When they put the air in, they charged me {$380.00}. I spoke to them and they told me they also charged me for two hours of the drivers transportation time and parts which didnt make sense and i did not agree to. I incurred {$210.00} in bank fees because of this. I gave my bank notice after the transaction posted thinking maybe it would be adjusted. They gave me a claim number on XX/XX/18 XXXX I called in on XX/XX/XXXX for an update. A representative told me my case was resolved and Id need to speak with someone in that department tomorrow. 

I called BB & T ( my bank ) on XX/XX/18 and they told me this case has yet to be worked. They have issued no provisional credit and are very rude over the phone. The rep i spoke to XXXX was specify aggravating. At this point Id just like help and information as to what laws they must follow during this process.

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 2018-08-02 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: MO

Complaint narrative:
Wrong information address and phone numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: MA

Complaint narrative:
XXXX XXXX falsely placed 4 new items on my credit report. After disputing these accounts 2 were removed and 2 are still being investigated. When Transunion received these false accounts they immediately dropped my score 50 points. After these false accounts were removed Transunion raised my score only 5 points, although this area was not mine. I find this unfair and a violation of my rights.

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 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have called Capital One to dispute this charge and explained I was supposed to receive prescription glasses. I also explained that it took over four months to get any glasses and several emails to the company. What they sent where neither real XXXX glasses or prescription glasses. I have tried and tried to resolve with the company. When I originally called I was told this would be taken care of by Capital One. Then it was posted back to my closed account? I was told to send a letter to them which I did. The letter to capital one is attached and now they are stating that the charges will stay on a closed account? I will not pay for reading glasses i could have bought at XXXX. I will gladly send them back to the merchant if you can find them and get a return address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a membership with Experian. I am not getting alerts for changes on my credit file which is what the membership is for. I called in XX/XX/XXXX, and never heard back. I have heard it is because the rep closed the trouble ticket instead of leaving it open to be worked on. I called back 2 days ago and was assured it would be escalated and I would hear back yesterday. I did not. I called today and talked to a supervisor who said the rep was wrong, it will not be in 24 hours and she has no idea when it will be worked on or corrected. Since the one from XX/XX/XXXX was closed, I have to get in line with everyone else as of XX/XX/XXXX. I have not received any reimbursements for paying all these months and not getting what I'm paying for. I also recently changed my plan and they put me on the wrong plan which caused me to have to call back, get charged and refunded multiple 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 monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

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 2018-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: SC

Complaint narrative:
I have been reading further into Equitable Acceptance and XXXX XXXX. I've heard they are a scam and I want to know how I can get out of paying them money each month for dealing with my loans. Any information would be helpful. Thank-You in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

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 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please provide me a copy of the most recent version of the document titled Loan Modification Agreement originally recorded on XX/XX/2010. Additionally, please confirm if this document has been endorsed, providing a copy of the endorsement, allonge and bailee letter ( s ). 

Thank you, XXXX XXXX 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 2018-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Carrington Mortgage company is threatening to forevlose and they do not have my records of past mortgage that was transfered to them by XXXX. I was assured in communications all my documents would b sent. I was granted a 60 day stay / grace period due to transfer. Carrington is failing to accomodate their own words. Carri gton threatened me with un official certified mail in an attempt to threaten me. It is NOT CETIFIED MAIL. I contacted the USPS and they assured me it is an envelope to resemble threat of official letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please provide the most recent version of the promissory note, and life of the loan accounting for XXXX # XXXX XXXX # XXXX and the application for credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX. 
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 2018-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I received a letter from a company by the name of Financial Credit Network in regards to a medical bill. I'm not sure who the original creditor is, however I have double coverage of medical insurance. I wrote them a certified letter and advised them that they have the wrong person and not to contact me anymore. After that, I received another collection letter for a different amount. I now have two alleged debts with this company. 

Additionally, I have filed a complaint with your firm in this regard case number XXXX. According to you that have not responded to you either, however they have since sent me two more collection notices. 

Unknown Account Numbers XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Robinson, Reagan and Young PLLC
State: TN

Complaint narrative:
This debt is not longer owed. The XXXX  forgave the debt and sent this company notification to release and remove the debt. There are two accounts. The balance on one is XXXX and the other one is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I initiated a {$2300.00} transfer from my XXXX checking account to my HSBC checking account. On XX/XX/XXXX, unbeknownst to me, HSBC unilaterally closed all of my accounts. XXXX attempted a reversal of the {$2300.00} on XXXX, which HSBC rejected. The money was never sent to me by HSBC nor was it credited back to my XXXX account. It is now XXXX. They are telling me that they do not have my money - tough luck. XXXX tells me they have the evidence that the money was not sent back. HSBC is being very wishy-washy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Consumer Real Estate Finance Co.
State: FL

Complaint narrative:
I applied for a FHA mortgage back on XX/XX/2018. I was pre-approved for a {$300000.00} limit with XXXX % down. My wife and I found a home, made and offer, and it was accepted on XX/XX/2018. The closing for the property was accepted by both parties to be XX/XX/2018. The loan was then turned offer to the processing department where we turned over all our private documentations, IE : tax returns, ban accounts, identification, etc. The process was then turned over to underwriting after all required documents where accepted. This is where the loan process began to stall and take much longer that it should have. After turning over all our required documentation, the underwriters kept asking for numerous more documentation on taxes, income, employment verification, copies of checks, etc., whic in turn kept pushing back the approval process and not being able to make the XX/XX/XXXX closing. We signed a one week extension to the contract for the purpose of getting loan approval through underwriting. The underwriter continued to ask for documents that where already submitted multiple times and additional documents that where never asked for earlier in the process. This made us miss the extension of the contract. The seller decided to cancel the contract because we could not get to the closing table in an adequate time. To this date we still do not have a closing, we lost the house, and the seller refuses to work with us any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I recently received a XXXX from Toyota. I am trying to figure out what this is in regards to. I spoke with my tax advisor and he said to call the number on the XXXX. I did this but the woman on the phone was not able to provide me too much information. She said this was for money I owed for a car I had owned. I was a little confused. I do not believe I had owed Toyota any money. I have had Toyotas in the past but i have had loans and paid them as agreed and paid them off. When I asked my tax advisor he said there would have to be some identifiable event that would have caused this XXXX to be issued. On the phone there is no explanation of the event but i was to the account was charged off XX/XX/XXXX But I havent dealt with Toyota in a few years since I paid off my XXXX. Could you please provide me with some additional information as I really dont understand this and it is causing me issues in filing my taxes with the IRS? I guess I need to understand what this is for, how much it is, ( the woman on the phone at Toyota had a different amount than what was on my XXXX ). Why am I receiving this now in XXXX? ( my tax advisor said there would be some required identifiable event, what event occurred? ) How have you come up with this balance? ( again the woman on the phone said I owed over {$7000.00} ). I have not received any notices about owing Toyota money. My credit report does not show me owing Toyota any money. This is quite confusing. The XXXX was mailed to an address I havent lived at in over 15 years. Can you please provide some additional information about this, it is currently causing me to have my tax returns on extension, delaying a large refund that I am entitled to. I am pretty upset to be honest as this does not seem to be a good way to conduct business, it is distressing that even on the XXXX paperwork I was given a phone number and the woman said she didnt have any information. Please respond in a timely manner as I need to file my taxes and figure this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent an investigation request to Equifax. They are supposed to respond with the results within 30 days, but they have not. I sent similar requests to XXXX  and XXXX XXXX, and they have already responded with the results weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
XXXX has failed to provide a XXXX Mortgage XXXX XXXX for tax year XXXX. My mortgage servicer has been requesting it since the Spring of XXXX. They just do not respond. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: SC

Complaint narrative:
I was a victim of TransUnion inquiry issues a few months ago, I contacted TransUnion and try to resolve the issue over the phone stating that by Law, under the fair credit act, section 6-11..they had to remove that inquiry .The Inquiry in question is ( XXXX XXXX XXXX XXXX ) dated XX/XX/2017 ... 
They can not delete a inquiry, then add it back, with out notifying me of issues, they have to within 5 days, which they did not.

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 2018-08-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Wells Fargo XXXX credit card was closed by the creditor, it is in their collections. They added a new late to my credit report. If it already charged off or closed, can they continue to apply lates hurting my scores?

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