vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I paid the following accounts prior to the release of my credit report from XXXX  and Transunion on XX/XX/XXXX : XXXX ( paid {$1900.00} on XX/XX/XXXX ) XXXX XXXX ( paid {$940.00} on XX/XX/XXXX ) XXXX XXXX XXXX ( paid XXXX on XX/XX/XXXX ) XXXX XXXX XXXX ( paid {$370.00} on XX/XX/XXXX ) Payments in the amounts listed above were not reported on my credit report despite them having been processed before the report was published. 

Furthermore, I made payments to both a collection account with XXXX and XXXX XXXX. IN, in the amount of {$510.00}, and to my XXXX account, in the amount of {$960.00}. Neither of these payments are reflected on the XX/XX/XXXX report. Although they were each processed prior. 

In total there are 5 payments that were made prior to XX/XX/XXXX totaling {$3300.00} and are unaccounted for on the report. 

Finally, I have made payments to both my XXXX XXXX XXXX and Michigan XXXX XXXX XXXX accounts that are not being reported. Even though the payments were made prior to the release of my credit report on 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 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MCU Holdings, LLC
State: MD

Complaint narrative:
On 2019-XXXX, I was contacted by MCU Holdings. As I was driving, I advised them to contact me by email and that I would not talk on the phone longer than necessary. 

On the same day, I received a document via the 3rd party website XXXX. the document states that it is an attempt to collect a debt, but it does not contain notice of my right to dispute within 30 days, nor does it mention anything else about the Fair Credit Reporting Act. The notice also only identifies me by name, not a more authentic identifier such as SSN. Because of this, I suspect the legitimacy of the claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Predatory Student Lending, Request Student loan Discharge and Forgiveness. 

Request to have student loan discharged or Forgiveness. 

I believe the XXXX XXXX XXXX practiced Predatory Student Lending. 
I sent this information XXXX ( see attached letter ) to the Department of Justice in an attempt to get assistance with raising awareness of this schools inhumane practice of getting students to sing up for their classes and then leaving them in student loan debt due to sub par Classes and training. 
It has been brought to our attention that this school is no longer open. In fact the schools have all but closed due to its misrepresentation to offer a degree and paying job to match its high tuition. There are a few left, but the mail ones from XXXX, XXXX and XXXX have closed. 
The only number to call and speak to anyone and they dont offer any options to gather transcripts is other than email. There is no one to speak at XXXX XXXX about this situation. 
I have sent my email request to : from : XXXX XXXX XXXX to : XXXX date : XX/XX/XXXX, XXXX XXXX subject : I need my transcripts please mailed-by : XXXX I await a response, here is the info from the website. 

Transcripts We have processed XXXX transcript requests to date and have an additional XXXX being processed. If you need transcripts but have not ordered them, please check back on this page after XX/XX/XXXX for instructions on how to do so. If you have an emergency ( i.e. a licensure deadline, a deadline for a company hiring you, etc. ) you may send a follow-up email to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: ID Analytics, Inc.
State: MS

Complaint narrative:
This " credit reporter '' requires copies of sensitive personal information to be physically sent in order to get a copy of a credit report. There is no online access. They don't answer the phone during normal business hours despite multiple attempts. Their scoring does not take financial obligations or history into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: SCA Collections, Inc.
State: NC

Complaint narrative:
I have an account with SCA Collections showing on my credit report with XXXX ( from XXXX XXXX ) in the amount of {$33.00}. The account was paid in full on XX/XX/2019 and I spoke with XXXX at SCA,  who assured me a letter of payment and deletion would be sent to both XXXX and myself. As of XX/XX/2019, I have not received a letter and I verified with XXXX they have not either. XXXX indicated they update in live time and SCA has not sent it. However, SCA claims they sent it on XX/XX/19. Again, the account was paid in full, {$0.00} balance and SCA advised this would be removed from all credit reporting bureaus, with no further adverse affects. I need this taken care of as I am trying to clean up my credit report.

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 2019-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
I have tried for several years to refinance my mortgage loan with PHH. There is an average wait time of 10 mins to get an actual person on the line. Then the after repeatedly being put on hold, I would usually just hang up after 30 mins. There is ALWAYS a " greater than average hold time because of increased volume ''. How can that be? No matter what the time of day! 
So finally I refinanced away. I'm in NY state, so I'm looking to take advantage of XXXX to avoid having to re-pay mortgage tax. Thus I simply need to have PHH assign the mortgage to the new lender so they can file a XXXX and associated fees. 
My new bank 's attorney has done hundreds of these, and tells me PHH is the only firm that can not seem to understand this process. They need an attorney contact to work with and the process handled quickly. The attorney was first told that the client needs to request. I've now had three 35mins+ phonecalls where I'm repeatedly put on hold and they clearly have no idea what an assignment is, nor what XXXX is ( fyi you can XXXX  it ). They told me to fax a letter to their legal department and someone would respond within 48hours. No response. I sent email to the customer service department to follow up. No response. Now they want me to file an inquiry with research department and they will respond within 30 days. I give up! I will need to just pay the tax just to get away from this awful company. Their customer service is worse than XXXX or XXXX ... and that's saying something!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
I have been getting calls from phone number XXXX telling me to call XXXX and XXXX. They have called leaving aggressive messages on the voicemail for days. I have tried to ignore the calls and threats of turning my info over to the courts and them calling my so called supervisor. Here recent and the thing that mad me super upset was that they called a nearby contact. They stated to them that they knew I lived there and was going to come & drag me out of the house. Well this scared them they contacted me & advised they would be calling the police! That is a major THREAT to my persons & at this point I am going to file a report to law enforcement. I'm also going to initiate a cease and desist order no contact with myself or any associate. No one should be threatened to that magnitude I don't care what or if they owed anything. I'm HIGHLY upset and I'm looking for action to be taken ASAP!! The caller was a XXXX   and XXXX XXXX or who they claimed to be. I called the numbers back and couldn't get anyone on Wednesday. I reached out to the XXXX number today they id 'd as legal services attorneys which I know they are not. They gave me info about the debt being with ACE CASH. They gave me the name of global and location services as I stated I had been threatened. They stated that they could not give me info or contact number for this company they used. XXXX who claimed to be the supervisor at legal services was rude and didnt want to help she kept hanging up on me at XXXX. My ENTIRE issue here is me being threatened! I will not stand for that at all you can do your job without making threats I DO NOT WANT TO BE CONTACTED BY ACE CASH OR ANYONE AFFILIATED WITH ACE! They need to investigate the who I will not be threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: GA

Complaint narrative:
I've spoke to XXXX Bank and they have not provided information about proof of any contract in my name however, I have a document with the name of the debtor and account number with payment history and it does not reflect any information pertaining to my name or personal information. This loan is from the State of Illinois not from XXXX where I reside. The executive agent I spoke with XXXX did not want to remove this information from being reported on my credit file. I was not expecting any problems from this company XXXX to remove inaccurate reporting information off my report, it seems to be some confusion that I can not identify when it is clearly an issue with discrepancy with the names and addresses attached to the account being reported and XXXX is ignoring the facts and violating my consumer rights and laws from the ( FCRA ) Fair Credit Reporting Act.

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 2019-06-06 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: Ditech Financial LLC
State: MD

Complaint narrative:
I refinanced a home loan with Ditech Mortgage. The process was pretty sloppy, I received multiple documents referencing different amounts due @ closing among other discrepancies. They even had to send the notary back out because they missed a document. The most challenging issue was when my first payment was due. I was told by the originator that my existing automatic payment setup would rollover to the new loan and no action was required for my payments to continue to be made automatically. Turns out that wasn't true. 

That led to a late payment being made. As soon as I was aware of the problem I brought the account up to date. 

I immediately phoned Ditech, attempting to get my despite escalating with Ditech 's customer service organization I was repeatedly told there was simply nothing they could do, despite the refi and my stellar payment history with the firm. They took no responsibility for their actions.

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 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: CA

Complaint narrative:
Today, XX/XX/2019, I received two letters from KeyBank that indicate accounts have been opened in my name. I have never opened these accounts and have no relationship whatsoever with KeyBank.The letters were dated XX/XX/2019. 

This morning, XX/XX/2019, I called the Key Bank 's published fraud hot line. The number I called is XXXX. I found it at this url : https : //XXXX I explained the situation of the fraudulent accounts to the Key Bank agent , but they refused to close the accounts or verify they even exist unless I provide them with my social security number. 

This seems unacceptable to me on multiple levels. First, Key Bank is likely negligent in failing to verify my identity and allowing an imposter to open this account in my name. Second, Key Bank makes it *my* problem to resolve the issue, demanding sensitive personal information from me when I never asked for any relationship with them at all, and then essentially wiping their hands of the injury they are causing me, not to mention my lost time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
loan XXXX I've had my home 17 years The loan recently is serviced by Loan Care I received a debt validation letter dated XX/XX/2019 Loan Care does not want to honor

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 2019-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/19 I received a cashiers check and deposited into my PNC Virtual Wallet Account in the amount of {$1500.00}. The person I received the check from asked me to send him {$1000.00} back via XXXX since he overpaid me for the item he was purchasing from me on XXXX XXXX XXXX. I sent the money on XX/XX/19. I called the bank when i was told by my father it was a scam and was told the transaction was pending and there was nothing that could be done until it posted to my account. Once it posted I called back and was told because I sent the payment and it was via XXXX they were not willing to do anything to help recover the funds and told me to sue the person. I can no longer get in touch with this person as it was a scam. I am a XXXX year old XXXX XXXX   that worked all summer for this money for school books, etc. This is having a serious financial impact on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: LEXISNEXIS
State: TX

Complaint narrative:
opt out off lexis nexus or any date reporting system id theft victim ftc violation was sent to XXXX  with my 4 social showing on credit report and they haven't done anything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
XXXX is ssn XXXX XXXX this XXXX XXXX is with national credit adjusters was discharged in chapter XXXX in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Transaction error sending money through XXXX the money in myaccount. Phoned in to cancel transaction. Instead they removed monies out of my account. I notified the bank of fraud. They covered my withdraws then they removed the transactions the fraudulant made. I had to close my account so no futher funds would be withdrawn on my overdrawing my account. Futher explaination is in the letter I'm subitting with a paper trail of the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: VIRTUOSO SOURCING GROUP, LLC.
State: WI

Complaint narrative:
XXXX XXXX XXXX chapter XXXX bankruptcy attny XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: TX

Complaint narrative:
opt out off XXXX XXXX or any date reporting system id theft victim ftc violation was sent to XXXX with my 4 social showing on credit report and they haven't done anything

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 2019-06-06 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:
opt out off XXXX XXXX or any date reporting system id theft victim ftc violation was sent to Equifax with my 4 social showing on credit report and they haven't done anything

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In the mid XX/XX/XXXX I opened a CD Account with Wells Fargo, I deposited {$10000.00}. I never touched it. I received my monthly statements up until XX/XX/XXXX give or take. I didn't pay much mind to it with everything becoming paperless. When I inquired about my money a couple of years later I was informed the account could not be located, my money disappeared. I have inquired in so many bank branches for so many years and its always the same answer ( NO RECORS, AND THEY DONT KEEP ANY PAPERWORK OR INFORMATION AFTER SEVEN YEARS ). I already inquired with the State of California 's Unclaimed Property they have nothing on file 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 2019-06-06 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I noticed on XXXX  Report that i have a hard inquiry from Syncb, National Credit Cards/Airlines, on XX/XX/2019 that i did not authorize. In no way would I have applied for any credit with this company.

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 2019-06-06 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: Northstar Location Services, LLC
State: MO

Complaint narrative:
I had a lease with XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I purchased the vehicle from XXXX XXXX XXXX in XX/XX/XXXX. I received a bill from XXXX XXXX XXXX in XXXX/XXXX XXXX for personal property taxes paid for XXXX to XXXX XXXX XXXX in the amount of {$750.00}. 

I lived in XXXX XXXX XXXX in XXXX when I leased the vehicle and moved to XXXX XXXX XXXX in XX/XX/XXXX, which are different taxing authorities. I notified XXXX XXXX XXXX of the move and they accurately reflected my address in XXXX XXXX XXXX and sent me correspondence at the XXXX XXXX XXXX address for the remainder of XXXX and XXXX. Taxes were not payable to XXXX XXXX XXXX for XXXX as I did not reside in XXXX XXXX XXXX at anytime during XXXX. 

Upon receipt of the bill, I contacted XXXX XXXX XXXX and discussed the issue with them. At that time I was asked to send documentation of my move. I sent them the requested information, although they had been previously notified of the move. A couple months later I started receiving collection calls from Northstar. I contacted XXXX XXXX XXXX and they said they would pull the credit from Northstar and work with XXXX XXXX XXXX to obtain a refund of the taxes incorrectly paid. In XXXX/XXXX XXXX I started receiving calls again from Northstar. I called Northstar and they told me that my account had a {$0.00} balance. They began calling again within a couple weeks and I called them back and I explained to them the issues. At this time they notified me that they are reporting this matter to the credit bureau. I contacted XXXX XXXX XXXX again and they told me they have no record of an amount due. I have fully exhausted my efforts with XXXX XXXX XXXX and NorthStar and neither are able to assist me as they each tell me to the contact the other. 

My credit score is 820+ and I pay my bills. Northstar or XXXX XXXX XXXX is incorrectly reporting this issue and it is affecting my otherwise excellent credit score. This is not a bill I owe and it is XXXX XXXX XXXX responsibility to obtain the refund from XXXX XXXX XXXX. I was never late to XXXX XXXX XXXX in the 3 years that I leased the vehicle from them. I request that my credit reporting be immediately fixed and it properly show that I do not have an outstanding amount and that no payment was ever late. 

Attached is the Utility Service Request for utilities at XXXX XXXX, XXXX XXXX, XXXX XXXX, which is located in XXXX XXXX XXXX dated XX/XX/XXXX, the date I purchased/closed on the house. Also attached is the first page of the HUD dated XX/XX/XXXX showing I sold the house located at XXXX XXXX, XXXX XXXX, XXXX XXXX, which is located in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation