vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-14 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: MO

Complaint narrative:
There remains a XXXX  account on my transunion credit report in which I have previously advised this is not my account and should be removed. I have never had an account with XXXX. This was opened fraudulently and has been a nightmare since it hit my credit. This needs to be taken care of.

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 2019-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Service Bureau Inc
State: KS

Complaint narrative:
Received collection letter from Creditors Service Bureau regarding alleged debt, have previously been contacted by CSB regarding debts with no verification of debt, asked repeatedly to not be contacted by them & to remove all debts they have listed against me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
XXXX XXXX AT XXXX REACHED OUT OT US NOTE BELOW EMAIL INTERATION Re : XXXX Fri, XX/XX/2019 XXXX XXXX   XXXX ( XXXX ) To : you ( Bcc ) + 3 more Details XXXX i called again and left message for you again today -- -- -Original Message -- -- - From : XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX ; MORTGAGEASSISTANCE XXXX Sent XXXX Thu, XX/XX/2019 XXXX XXXX Subject : Re : XXXX XXXX PLEASE ADDRESS WHO IS HANDLING THIS ACCOUNT??? / WHOS WHOEVER HANDLING HAS ADEQUATLEY REVIEWED ACCOUNT HAS IN DEPTH KNOWLEDGE AND EXPERTISE TO HANDLE. 
ALSO ADDRESS IN WRITING WRITTEN XXXX REQUESTS, CONCERNS IN WRITING AND REQUESTS FOR INFORMATION NOT INCLUDING BUT LIMITED COMPLAINTS AND SUCH WARRENS -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Wed, XX/XX/2019 XXXX XXXX Subject : XXXX XXXX HELLO This message is intended for XXXX XXXX. My name is XXXX XXXX and I am a Home Retention Specialist with Carrington Mortgage Services. Please call me at XXXX. I need to review the paperwork you submitted for your modification. I am here between the hours of XXXX to XXXX Pacific Standard Time. I would appreciate an opportunity to speak with as soon as possible. 

Thank you XXXX XXXX Loss Mitigation Associate Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Office Hours : XXXX XXXX to XXXX XXXX ( PST ) M F Direct Line : ( XXXX ) XXXX XXXX WE HAVE TRIED TO CALL AND LEFT MESSAGES 4 TIMES SINCE HER EMAIL NO RETURN CALL.THEY ARE TRYING TO MAKE BORROWER LOOK NON COMPLIANT AND HASTEN FORECLOSURE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: AL

Complaint narrative:
XXXX is reporting a account on my credit files this account is fraudulent never opened with this company someone obtained my complete identity stole mail out of my old mailing address mailbox changed questions on my credit file and more

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 2019-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Premier Student Loan Center
State: ME

Complaint narrative:
Premier Student Loan Center. I was told that this was going to take care of 80 % of my loan and my loans have not decreased. I can not get in touch with anyone in this company. I have tried to send emails and they are no longer working. I would like to get my money back from these fraudulent practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Over the past 5 or more years we have requested that Navient work with our daughter ( a single mother  of XXXX ) and us ( co-signers who are retired ) to buy some time and reduce stress so our daughter could eventually be in a situation to make regular payments on her student loans. We have made several regular and partial payments over a long period of time and yet continue being harassed by Navient with phone calls and with refusal to work with our daughter.

When we do ( which is rare ) answer one of their calls and request repayment based on discretionary income basis, etc. we are denied any assistance and get hounded about making full and immediate payment.

Our daughter is working hard to support her family but does not make enough income to make full, or at times, partial payments. My wife and I are both retired and social security benefits are our primary source of income for paying our bills, etc. We are confident that with time, our daughter will be able to repay what she can as she can but, Navient doesn't seem willing to work with her or us. They are rude over the phone and unresponsive to written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: DISCOVER BANK
State: AL

Complaint narrative:
Discover is reporting a account on my credit files this account is fraudulent never opened with this company someone obtained my complete identity stole mail out of my old mailing address mailbox changed questions on my credit file and more

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14 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: AL

Complaint narrative:
XXXX is reporting a account on my credit files this account is fraudulent never opened with this company someone obtained my complete identity stole mail out of my old mailing address mailbox changed questions on my credit file and more

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed XXXX XXXX XXXX back on XX/XX/XXXX stating that this is fraudulent information. Equifax created this dispute in their system as confirmation number XXXX. The Consumer Financial case number was XXXX, I asked that this information is deleted & blocked from my credit report, which they did. The results of this complaint are as follows Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were items appearing on your credit report inaccurately reporting. The Results of Our Reinvestigation : Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. The Results of the Reinvestigation were mailed to you on XX/XX/XXXX, please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your Equifax Credit Report, please visit us at https : //www.ai.equifax.com/CreditInvestigation/home.action, by mail to XXXX XXXX XXXX, XXXX GA XXXX or by calling a Customer Representative at ( XXXX ) XXXX from XXXX XXXX. to XXXX XXXX. Monday Friday in your time zone. 
Now on XX/XX/XXXX, this account has been added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I made my second to last lease payment of {$390.00} with US bank before the XX/XX/2016 due date. I received a call on XX/XX/XXXX that the payment was not received. I explained that I made it online, and they said that the information must have not been entered correctly. The US Bank website is truly awful with no way to even save your banking information, it must be manually entered every month. I made another payment online that day. I received another call on XX/XX/XXXX that the payment was still not received and it was over 30 days late and may come up on my credit report. I also received a letter after that stating that it was over 30 days. In the 36 months of this lease, and all my financial responsibilities for that matter, I have never been late with a payment. My credit is perfect when it comes to on-time payments. The website malfunction was not communicated properly until it was too late. I should have received at least another call or a letter prior to the the 30 days. I finally made the payment over the phone on XX/XX/XXXX to make sure it was received. I wrote a letter to their CRA management office with no response and I have disputed this delinquency with the credit bureaus with no resolve to my satisfaction. I was a great customer and I believe I deserve better.

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 2019-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tormey Bewley Corporation
State: TX

Complaint narrative:
I contacted this company a few times over the past years. The original amount of {$95.00} was paid to the dentist and I was insured. They dont have any further records and cant confirm because the dental office closed its doors years ago! Please remove this from my credit report its been over 6years now. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XXXX XXXX repossessed my XXXX  XXXX without warning or any attempts to resolve payment problems. The individual that took the car did so in the middle of the night, dening me any opportunity to remove personal belongings before taking the car.When I called to request my property be returned the owner said i had to pay him a fee to have my belongings brought to me and that I was not allowed on the lot to get my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: PNC Bank N.A.
State: GA

Complaint narrative:
I have information on my personal report that belong to my business XXXX XXXX XXXX XXXX because of this my credit shows a mixture of credit for my business and my personal and it has affected my debt. ratio. negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NJ

Complaint narrative:
I received a 7 inch XXXX tablet via XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IA XXXX. 
I called the Company and spoke to XXXX, then XXXX. They couldn't connect me to their Fraud Department, but said it would take about 2 weeks for me to receive a return mailing fraud package from them with a form for me to complete. 
In checking on line, this Company is listed as sending packages to victims ; items they did not order and haunting them for payment. I am returning this item but I am very concerned about my credit and what information they have of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I finance a vehicle from Santander consumer USA back in XX/XX/XXXX. The vehicle cost {$17000.00}, I put down {$1000.00} balance left was {$16000.00} my payment every month is {$460.00} which I paid every month. My loan mature in XX/XX/XXXX. I went into their web site the other day to check payments, they have me owing {$11000.00} how in the world is this if my loan matures in XX/XX/XXXX. I've been paying every month ever since, I called the Company no one seems to know anything, I've also reported this to the XXXX  no one has ever called me to discuss this issue. When I look at all the payments something is Definitely wrong all my money I've paid has gone to interest this is crazy. I need someone to fix this problem I have all my paperwork with me. Or I can hire an Attorney to take care of this problem. They can take the Truck back call it even because this is crazy. I can scan all paperwork I have all documents, also they have me owing late fees of {$1200.00} which is incorrect they better clear this up. Please take care of this. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Over the course of the last year I have filed multiple disputes against Transunion for putting inaccurate information on my credit report. The information in question is my employer. They continue to list XXXX as my employer after I have repeated disputed and told to remove. After all this I have been a loyal customer of Transunion credit monitoring services for over 10 plus years. During the last year Transunion has continued to bill me {$14.00} every month for the services but locked me out of my account after I continued disputing the inaccurate information. I have attached a copy of my bank account which show Transunion billing {$14.00} every month. Also attached is a copy of the web page to Transunion login showing I'm logged in and the error page that displays. Notice my at top of page I'm logged in and it gives system error. This only started around XXXX of last year when I disputed the same inaccurate information on my account. I have been a member for over 10 years this never occurred only started after I started filing a dispute about inaccurate information on credit report. I had my friend log on to there account with no problem but every time I try to view my account this page pops up. Only started after I start disputing information last XXXX. In ten plus years before never a problem. Transunion owes me an apology for there tactics, {$160.00} for services not rendered from XXXX of XXXX of XXXX  for not allowing me into my account to view or dispute. They also show be fined.

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 2019-01-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am disputing a hard inquiry from Chase Bank. I pressed the wrong button and was applying for a XXXX card. This is a mistake. This hard inquiry has to be removed. Chase stated they are reviewing the application so I cancelled the application. This inquiry was meant to be for XXXX, not Chase. I  explained there was issue with my phone and it went straight to Chase instead of XXXX. I don't want that card even though I am approved or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am XXXX XXXX, I did wir transfer from my account in XXXX XXXX XXXX to buy car from a company in USA this company has an Account in Wells Fargo bank I transferred money to them account but they was not trust so I called my bank to cancel the operation and they did request that but Wells Fargo not accept until this day I did receive my money or the car now it is 3 year just trying to do anything to return my money please help me please I am in bad and I have XXXX children. 
Best regards 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 2019-01-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After not being able to resolve my issue with Experian, regarding my credit score, I submitted a complaint via the CFPB. Experian did respond, but with a generic letter confirming my score should NOT have been impacted. Please review my previous complaint, along with the feedback notes. Since the " rules of what does not impact a credit score '' clearly states " where I live '' ( I have lived at the same address 10 years ) should not impact my score and nothing has changed other than paying my bills on time, my score should have been corrected accordingly. I spoke to a CFPB representative after seeing the response and she agreed I should resubmit, since Experian has verified my score should not have been impacted, yet failed to correct the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
CitiMortgage received a short sale offer from me on XX/XX/XXXX. I'm an XXXX XXXX military service member that has had orders. I have been in default since I had to leave. We submitted the short sale XX/XX/XXXX - Citi took this time until XX/XX/XXXX to say that my file was REJECTED because they said that the " borrower '' which would be me, dated the purchase contract XX/XX/XXXX and my property was not on the market 15 das PER HUD GUIDELINES. My property WAS on the market for over 15 days. My property was LISTED XX/XX/XXXX, and then had multiple offers submitted on it. The buyers sign offers when they submit for review. My agent took it off the market to review offers with me on XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX is exactly 16 days. I did not fully execute the contract until the XX/XX/XXXX. We immediately escalated this with CITI to show them their error. They said it needed to have a variance from HUD which it does NOT because we met the 15 days on the market but some negotiator read BUYER signing date and substituted that with the BORROWER signing date ( which is the seller - ME ) - It has been SINCE XX/XX/XXXX to try to straighten out this issue. We have escalated to MULTIPLE departments, without response. Meanwhile my property sits, and my default days grows. My sale should be moving forward

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 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I chatted with HSBC on XX/XX/XXXX around XXXX GMT, asking them to close my account and refund the remaining {$1.00} in the account via check. The agent on chat agreed to do this, and the chat ended. 

On XX/XX/XXXX, I realised I still had not received my check for the balance and logged in to see what the deal was. My account showed as still open, and had a {$15.00} " account maintenance fee '' charged against it, putting me in a - {$14.00} balance. I chatted with another HSBC rep on  XX/XX/XXXX at XXXX GMT telling them to fix the negative balance, close my account, and refund the {$1.00} that was supposed to be left in there. 

The rep assured me they would and it would all be completed in 7-10 days. I logged back in on XX/XX/XXXX around XXXX EST, and found the account STILL open, with a negative balance. 

I have had it with HSBC. They are not abiding by my wishes to close my account, charging me invalid fees, and holding my remaining money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The account in questioned was owned by my mother, XXXX XXXX, who passed XX/XX/XXXX. The account is held by Portfolio Recovery Associates. XXXX XXXX XXXX XXXX ( XXXX ) The amount on record is {$6000.00} My mother made me an authorized user on the account, because she was legally XXXX. I was the Power of Attorney. 

I submitted a letter to Portfolio Recovery Associates in XX/XX/XXXX to remove this account off their records and from my Credit Report. I never got a response from their office. 

The account has me listed as Joint owner. I am not a joint owner on this account. 

I requested documents from Portfolio Recovery Associated, to show my signature and the date the agreement was executed. I am waiting for a response. 

The records will reflect that there has not been any activity on the card in question after my mother passed ( XXXX ) in XXXX. 

Again, I was an authorized user, not joint signer on this card.

Company response to consumer: Closed with explanation