vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I contacted the three credit bureau 's on the free government credit reports website, to get my yearly credit reports from all three, back the XX/XX/XXXX. I received one from  XXXX   with no trouble, When I got to trans union after I put in my info and the report came up, I tried to download the report and the system crashed. When I got the system back up it told me I had already got the report which I did not. I called trans union, and  the custom service representative told me the same thing. I continually tried to explain to him what happen with the crashed site, he told me I would have to buy the report so the phone call ended with no report, but I did tell them that I was going to get in touch with the commission that oversees their operation. I have only dealt with them once before and I did not have a issue, back in XXXX and got my report with no problem online, so I don't understand what happen this time. 
I went ahead and attempted to order my XXXX report, the reponse I got while on line was I had to send in information, IE ;  ID, social security card and the reason I wanted the report on a cover page which I did and mailed it on XX/XX/XXXX ; I do beleive i had this problem with XXXX  in the past some years back. When I called today ( XX/XX/XXXX ) they ask me about my loans and who it was with, I told them that the only one I had was a student loan and I didn't remember who it was with because it was over twenty years ago ( now that I writing this I realize I should have remembered, but I was upset that I had already done what they had asked in sending info via mail ) .Then I talked to a supervisor and told her the same thing and she ask me a additional question about a job that I had in the past, and I gave her three that I know was on the last transunion report, then she proceed to tell me I did not answer correctly. So I am at a loss to why these reporting agencies are not cooperating with giving me my credit reports

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 2018-12-10 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: SC

Complaint narrative:
Company has failed to properly investigate my identity theft claim. I've mailed and faxed in sufficient documents to support my claim. The credit reporting agencies have send back electronically verified responses. When i call, im unable to get anything resolved over the phone, the most helpful reps have all been located outside of the USA. i've attachment documents to be re-reviewed, hopefully i will get some assistant with the help of this complaint.

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 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STATE FARM BANK, FSB
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates : 30 days late as of XX/XX/2012 and XX/XX/2012. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Received phone calls in regards to an old ACE Cash payday loan from 2013. XXXX XXXX, XXXX XXXX and XXXX XXXX all claiming to be attorneys and XXXX a process server. He threatened to serve me with officers regarding the legal suit being filled and fraudulent banking laws in Texas. Threatened to repossess my car and if it's financed advising that I am unable to drive until the debt is paid in the original amount of {$640.00} or if it goes to court, would be over XXXX. They catch you when you are not thinking and make you afraid and I like a fool gave my card information before filling checking them out. There is no listing for them and they sent document to be signed authorizing them to go into my account and draft funds. I have closed the account and never signed the document. I received calls from XXXX, XXXX & XXXX They gave a case number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: AZ

Complaint narrative:
XXXX XXXX client XXXX XXXX is victim of identity theft. His information was used without his consent to apply for several credit related accounts. While clearing his issues his Equifax credit report listed the addresses related to the fraud. The addresses found are ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX A formal dispute of this information was provided to Equifax. Equifax confirmed the data removal in a letter however the credit report they provided still listed the fraudulent addresses after they confirmed the removal. This continued reported address is a violation of the FCRA and my clients federal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the date 30 days late as of XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage with Nationstar ( Mr. Cooper ) was transferred to XXXX XXXX XXXX on or around XX/XX/2015. After a few months making my payments to XXXX XXXX, they added {$15.00} for a fee. I called them to inquire about this fee and they told me they didn't know what it was for but they were legally entitled to do it as per my mortgage document. I wrote a letter to them asking for the specific reason for the fee and they answered stating that it was for a Property Inspection ordered by the previous lender ( Nationstar ). I believe consumers are not to be charged for expenses incurred by mortgage companies to transfer mortgages between them because we don't have a saying in the process and we didn't ask for it. 
My concern is that this is a hidden fee being charged to other consumers and nobody complains because is a small amount and they don't want to the trouble of claiming it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
The original loan was for {$250.00} through XXXX XXXX  who has written it off and sold it to XXXX XXXX. Who call me cell phone repeatedly daily, call my work and say they are calling on legal arbitration charges, say they will be at my work or my home within 24 hours where ever they can find me. Stated that they are suing for {$3200.00} from a {$250.00} loan. They are calling anyone they can get in touch with and giving out my personal information, as well as harassing, false representation, pretending they are an attorney, calling from local numbers that you cant call back due to them being disconnected. I have also not received one notification from this company at all showing what I owe, what the original loan was for. I have asked for all of this and I get nothing in return. Stating Ive failed to comply, how am I supposed to comply when I have nothing in writing to verify this is correct. I dont pay people over the phone, I dont deal with harassment over the phone, nor do I deal with frauds. Also their company and phone numbers are plastered all over the internet as scammer, be aware, do not give any information to these people. Their number is XXXX, theyve also called from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had private loans with SallieMae when I graduated college in XXXX. I started payments soon after. The Public Service Loan Forgiveness program started in XXXX and I thought I was the perfect candidate. I worked for XXXXXXXX XXXX XXXX for at least five years while paying off my loans, then moved to XXXX XXXX and started working for a XXXXXXXX XXXX XXXX XXXX. I thought I was well on my way to having my loans forgiven. I called SallieMae to find out what I needed to do. They told me that I needed to get onto one of  their income based repayment plans and I would be doing everything necessary for the Public Loan Forgiveness plan. The thing they didn't tell me was that your loans had to be Federal loans to take advantage of this program at all. At the time, in XXXX, there wasn't any information online for me to read that would let me figure this out myself. What incentive did SallieMae have to let me leave their company? It took until much more recently, I don't remember exactly when it was, but I removed my loans from SallieMae and re-consolidated them ( took on more interest ) with XXXX. I now have something like 20-30 payments toward public loan forgiveness. I should have been done with this program by now. I've been paying Income Based repayments since XXXX, that's almost 12 years worth of payments, and I barely have a few years worth from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: OH

Complaint narrative:
Transunion has not provided me with the source of who furnished them with the information on the judgment they are reporting. I am not aware of this or who gave them the right to report this information. They referred me to the courthouse who they are saying verified and provided the info. I contacted the court house and they sent me a letter verifying that their department does not provide or verify any information to any bureau or third-party reporting agency. Transunion has not properly provided me the source of their information on the public record they have placed on my credit report. According to FRCA 15 U S C 1681 ( g ) they have to send me proper documentation ( file info, verification methods and response ) of what they have associated with any acct ( not just verified ) and section ( i ) states it must be deleted if not properly verified. I also found section 611 ( a ) ( 5 ) ( A ) ( i ) states they can not report inaccurate, unverifiable, untimely info. If the courthouse didn't provide this information to Transunion to report in the first place nor did they verify it. I would like the bankruptcy judgment removed immediately.

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 2018-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MO

Complaint narrative:
On XX/XX/2018 I called XXXX XXXX customer service to see if I could get my monthly payment lowered because I was having difficulty making the monthly payment of XXXX. I was told there was nothing they could do since I had already used the 12 month forbearance. I discussed that I wanted to make monthly payments on the loan but was having difficulty paying the XXXX payment and asked to get lower, more affordable payments. I was told that the only option for me was to stop making payments on the loan, allow the loan to become late, and then I would be contacted by someone from the collections department to see if they could help me with lowering my monthly payment. I said I did not want to miss a payment and become late on the loan because it would make it more difficult for me to catch up. I asked to speak to someone who could help me now before I was late on a payment. I spoke to a supervisor who was unable to help me and was told the only way the collections department would talk to me and try to help me was if I became late on payments. I reached out to XXXX XXXX for help in lowering my monthly payment and they refused to help me unless I become delinquent on payment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: SC

Complaint narrative:
Company has failed to properly investigate my identity theft claim. I've mailed and faxed in sufficient documents to support my claim. The credit reporting agencies have send back electronically verified responses. When i call, im unable to get anything resolved over the phone, the most helpful reps have all been located outside of the USA. i've attachment documents to be re-reviewed, hopefully i will get some assistant with the help of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: SC

Complaint narrative:
Company has failed to properly investigate my identity theft claim. I've mailed and faxed in sufficient documents to support my claim. The credit reporting agencies have send back electronically verified responses. When i call, im unable to get anything resolved over the phone, the most helpful reps have all been located outside of the USA. i've attachment documents to be re-reviewed, hopefully i will get some assistant with the help of this complaint.

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 2018-12-10 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: EXPERT GLOBAL SOLUTIONS, INC.
State: FL

Complaint narrative:
My wife and I contracted with XXXX XXXX XXXX to purchase a new home in XX/XX/2018. Our credit was verified at that time. The house was not started until XX/XX/2018. Our credit was run again by the builders mortgage company again in XXXX prior to the start of the home. I advised them that there was no need to run the inquiry because the home was not started and the existing report was good for 4 months. The home is still not finished and they are now going to have to run our credit once again. I have asked that they remove the inquiry, however, they stated they did not know how to do this and advised I would have to handle. The lender admitted to me that she made an error by checking our credit prematurely. We are asking for help in having this inquiry removed from both my wife and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

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 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank is reporting invalid information to the three credit bureaus. After calling in to Synchrony Bank on XX/XX/2018 speaking with 2 customer service representatives, I was told that the accounts that they " say '' are mine XXXX and XXXX have been sold to XXXX XXXX and that Synchrony Bank has no contracts or information on these accounts. 

XXXX XXXX sent me documentation as well as the three Credit bureaus sent me and updated credit report, stating that they have has ceased collections on these 2 accounts and have stopped reporting to the three credit bureaus therefore these 2 accounts were  removed from my credit reports. 

How is this information being verified when Synchrony Bank stated that the accounts were sold to XXXX XXXX and XXXX XXXX has Ceased Collections because they couldn't validate this debt as belonging to me?

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 2018-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Have been paying on private student loans prior to completion of terminal degree ( XXXX ). Recently in XX/XX/XXXX, private loans went into default, while enrolled in payment program. Have been paying {$250.00} per month since XXXX at least and not clear as to how loans went into default. Was informed needed to put all loans in at different times due to how they were taken out. Then was informed they were in default due to payment amounts not being sufficient, when they ( Navient ) were the servicers who enrolled me in the program with the acceptable rate/charge. Now 3 out of 5 of my private student loans are in default and there is nothing I feel I can do, especially since I am still paying $ XXXX month, plus my co-borrower is also paying a fee and has been for the past year at least. I have sent in letters and statements ; spoke to supervisors and numerous representatives. I receive phone calls at least 1 time per hour between the times of XXXX and XXXX CST. I am unsure of what to do. I do not have much on my credit report besides student loans, a car loan and 1 credit card ( with low balance of XXXX ). Not sure what else to do or where to go for support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/2018, I financed a new XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I got the loan thru BBVA. I set up online automatic withdrawal. I had problems setting it up online. So I tried over the phone. I was told I had everything set up online and all accounts, charges, settings were set. 
Well, after the first month, I started getting late notices on payments in XXXX 2018. I called and doubled checked my online account. Everything looked normal and already set up. On the phone, the representative would go over my account and said all was fine, it must be a glitch. And submit a work ticket. I never heard anything back.

Then 2-3 weeks later, I would get more mail stating I was failing to make regular monthly payments on my loan to BBVA. 
I once again, called and talked to a representative over the phone. Same thing. They said it was taken care of. 
In XX/XX/2018, I finally went into a local BBVA bank and said I wanted to speak to someone in charge and find out why my payments were not being submitted and why the auto withdrawal was not going thru. After 5 days, it was finally straightened out. BBVA apparently had the wrong account number from my bank. I had submitted it correctly, but they kept entering one too many digits. 
However, it is because of 2-3 months of NONE payments, I believe my credit history has suffered. I have a score of XXXX, as of XXXX-18. I believe this to be unfair since it was not my error back in XX/XX/2018, when BBVA made the mistake on my loan account. I wish for this to be corrected, reviewed and addressed. Since the correction, I have been late on NO accounts and fully pay all loans and bills on time with no past due or collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
On the XXXX of XXXX, I received a letter from the XXXX XXXX XXXX XXXX   claiming to represent a company called XXXX XXXX. My only connection with this company was XX/XX/2017 when I paid them a security deposit of {$170.00} as required by the " XXXX on XXXX '' apartment complex for the apartment XXXX on XXXX XXXX XXXX. I fullfilled my one year lease and terminated it my lease directly after the end of the year. I was already in living in Maryland and received a call from the XXXX on XXXX manager about submitting my proof of lease insurance. I verified with them that I was no longer a resident of the property and turned in keys and fobs to the management. They said they were going to correct their files and apologized for their error. 

Now in XXXX, I am receiving this notice out of nowhere.

Company response to consumer: Closed with explanation