vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-26 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: MD

Complaint narrative:
I recently received a copy of my credit report from XXXX and noticed that the seven ( 7 ) XXXX XXXX XXXX accounts listed has incorrect information listed. I returned to school from XXXX and received my XXXX degree. Then I returned from XX/XX/XXXX XXXX and received my XXXX degree. I applied for loan forgiveness and my application was received by the XXXX XXXX XXXX on XX/XX/XXXX and all school loans have been in forbearance since then. I noticed that beginning XXXX I was being shown as late with payments but as of XX/XX/XXXX I still had one more month to go before I was to begin to repay ( 6 mos. was not completed after I graduated ). As of XXXX my 6 mos. was not up AND I also was to be in forbearance until both the loan agents and myself are notified that the investigation has been completed. This is on all seven accounts and I am still in forbearance since XXXX so I am not understanding how this is being reported in this manner. I have disputed similar issues with them in the past but yet this shows up every now and again.

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 2018-11-26 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: MD

Complaint narrative:
I recently received a copy of my credit report from XXXX  and noticed that the seven ( 7 ) XXXX XXXX XXXX accounts listed has incorrect information listed. I returned to school from XX/XX/XXXX-XX/XX/XXXX and received my XXXX degree. Then I returned from XX/XX/XXXX -XX/XX/XXXX and received my XXXX degree. I applied for loan forgiveness and my application was received by the XXXX XXXX XXXX on XX/XX/XXXX and all school loans have been in forbearance since then. I noticed that beginning XX/XX/XXXX-XX/XX/XXXX I was being shown as late with payments but as of XX/XX/XXXX I still had one more month to go before I was to begin to repay ( 6 mos. was not completed after I graduated ). As of XX/XX/XXXX-XX/XX/XXXXmy 6 mos. was not up AND I also was to be in forbearance until both the loan agents and myself are notified that the investigation has been completed. This is on all seven accounts and I am still in forbearance since XXXX so I am not understanding how this is being reported in this manner. I have disputed similar issues with them in the past but yet this shows up every now and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: MD

Complaint narrative:
I recently received a copy of my credit report from Experian and noticed that the seven ( 7 ) XXXX XXXX XXXX accounts listed has incorrect information listed. I returned to school from XX/XX/XXXX-XX/XX/XXXX and received my XXXX degree. Then I returned fromXX/XX/XXXX -XX/XX/XXXX and received my XXXX  degree. I applied for loan forgiveness and my application was received by the XXXX XXXX XXXX on XX/XX/XXXX and all school loans have been in forbearance since then. I noticed that beginning XX/XX/XXXX-XX/XX/XXXX I was being shown as late with payments but as of XX/XX/XXXX I still had one more month to go before I was to begin to repay ( 6 mos. was not completed after I graduated ). As of XX/XX/XXXX-XX/XX/XXXX my 6 mos. was not up AND I also was to be in forbearance until both the loan agents and myself are notified that the investigation has been completed. This is on all seven accounts and I am still in forbearance since XXXX so I am not understanding how this is being reported in this manner. I have disputed similar issues with them in the past but yet this shows up every now and again.

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 2018-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bliksum, LLC
State: CA

Complaint narrative:
A person named XXXX left a message on my mobile phone number which is on the Do Not Call Registry and also at my work voicemail. The voicemail said there was a file in their office for court proceedings and to contact XXXX. Before I had a chance to contact them, they called my work number again asking for my name and the payroll department which the call was transferred to me. I took the call and they only identified their name but not the company and started threatening me in regards to a debt with XXXX. I was surprised and asked the name of the company, but the individual would not let me speak and said there was a judgement and case file on their desk and they would garnish my wages. 

When I informed them of the FDCPA rules about not contacting me at work, to please cease calling my work number and mobile number and to send a written notice of validity of the debt, the person continued yelling stating I was being unreasonable and to expect a written court notice to garnish my wages and then they hung up on me. I called XXXX and found out the previous debt was sold to XXXX XXXX XXXX or XXXX XXXX and given the contact number of XXXX XXXX XXXX XXXX to call. I did call that number twice and kept getting voicemail. I finally left a message stating again to not contact me at my work number or mobile phone and to send written validity of proof for any debt owed. This company has called at least XXXX times in one day within a span of XXXX hour time frame and used threatening means.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Adjustments Inc
State: OH

Complaint narrative:
I spoke with Credir Adjustments Inc after receiving a debt thats not owed. I asked them to validate the debt and the couldnt. They stated that they got the collection from XXXX. I did in fact call XXXX billing department they looked through my bills and seen that the bill never went into collections and they have no idea to how this company ended up with my information as the bill was paid by my medical insurance.

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 2018-11-26 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: NY

Complaint narrative:
1. I sent in supporting information to reflect an account as paid in full 2. The reporting agency keeps ignoring my request to have my account updated 3. I mailed out the attached letter of satisfaction to the following reporting agencies XXXX / Experian and XXXX XXXX and never received a response in over 4 years from either. 
4. XXXXI XXXX XXXX XXXX Experian/ XXXX XXXX 5 . To many names to remember over the past 4 years

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 2018-11-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was asked four questions in relation to my credit report in which none of the accounts belonged to me and therefore was blocked from being verified and being able to check my credit report. I then contacted Equifax by phone on XX/XX/2018 with great concern as to why I'm being asked questions regarding accounts that are not mine. Their response? " I don't know ''. I advised the representative that, that answer does not work for me and requested a manager. The manager then asked " If I was calling to check the recent dispute? '' I stated " No. I'm calling to see why I'm be asked questions about accounts that are not mine during the security verification ''. The managers response? " Yeah, that I don't know ''. 

My complaint is that I've been asked these security questions in the past and the only answer I receive from Equifax is " I don't know ''. I feel that they are crossing my information and/or mishandling mine ( and potentially others ) information in a very careless manor and this should be investigated. 

I will continue to submit complaints until I receive a proper explanation/resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX died XX/XX/XXXX18. XXXX XXXX XXXX am daughter, accounts go to me, send trust to Wells Fargo said no, have will ( see inclosed said no ) what do they want to release funds!

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 2018-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: NV

Complaint narrative:
In XX/XX/2018 my loan was paid off to wear lake financial my insurance paid almost XXXX wich was a total loss now west lake financial is arguing that I still owe XXXX because gap didn't paid all paper work including copy of gap insurance and claim number was provided by friendly XXXX where I bought my truck well today I tried to take a car out and is says on the credit that is a charge off well I found out that is a repo and that supposedly I signed a waiver for a gap I as mr XXXX for a copy of the paper and he just simply said il transfer you to someone else so you can tell them whatever you want! So I get transferred and I've been and the lady told me that I was calling the wrong number gave me another number and she said I do have gap insurance and transfer me to another number wich I was on hold for 30 minutes and nobody answer what can i do?????????? I can provide with all the paper work and copy of friendly XXXX contract where it says it was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: PA

Complaint narrative:
Transunion File # XXXX page 4 of 10 XXXX XXXX XXXX XXXX is to be removed XX/XX/2018 and I have not received a copy from Transunion on an updated report removed

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 2018-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I get ssi and my friend was my payee. Well my friend had everything of mine because I'm XXXX. When she took me to the bank to go get us a bank account for my ssi and ssa can go on there every month. Well the whole time i didn't know what was going on at the bank i didn't know what they where saying to us. Well we got a bank account. So we left and she my payee so i couldn't do anything about her having everything of mine. Well she put a check deposit into my account with someone else is name i told her she can't do that. She said i can't do anything about it because she was my payee and there not going to listen to me anyways because i was XXXX. So please help me out in take her to jail

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 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mar Joe Enterprises
State: FL

Complaint narrative:
I tried to get a job with XXXX and and XXXX XXXX call XXXX XXXX and got denied because of background check

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: PA

Complaint narrative:
Transunion has XXXX XXXX as to be removed XX/XX/2018

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 2018-11-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mathes Management Enterprises, Inc.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX Account Name : XXXX XXXX XXXX High Balance : {$18000.00}

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 2018-11-26 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: HI

Complaint narrative:
I signed a interest only payment for my private loans. I have steadily paged off my loans for 5 to 6 years and my balance has not dropped. I signed a interest only at 12.5 percent and now after 6 months it is up to 14.5 percent. My credit score is higher than it was when I signed the Interest only payments. But they have refused to offer me any other solution to lowering my parents which is XXXX not including my 6 other federal loans. They have only offered me interest only payments and they will not help lower my payments. Federal loans I have gone into income driven payments which has helped tremendously. I have save 200 dollars this way. A month between 5 other loans. 

I have had bad advice from this company. Early 2000s they had told me to stop paying my payments for 2 months andthe and they will have to offer me a reduced payment plan. Did that and nothing happened. I have been out of school for 11 years and 14 from  my.other school. I have yet to make a dent in the loan. I took out a private federal lone of XXXX and now it is up to over 30k. O have ran out of forbearance for my private loans and struggling to may other payments since this is my main loan confer to pay off. 

When in school my interest rate was set at 19 % my interest did drop to 6 but then jumped up again once I was making headway to paying off the loan. I am exhausting my funds and I am paying close to 800 dollars a month in student loans and I make close to 40k a year. 

I need some type of relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed all my business accounts and my merchant account without any warning. closer to end of XX/XX/2018 they called me and told they closed my merchant account and do not charge anymore, then few days later I received a letter from Bank of America that my back accounts are closed and That I to go to the bank and withdraw my money from my accounts. I called Bank of America twice and was on the phone for hours and was transferred from department to department and no body is giving any answers what happened or why this decision was maid or what I can do to clear my business reputation and my good name. Bank of America ruined my reputation and refusing to clear my good name and I can not recover from that because they refusing to tell me why and what happened. I have also filed a complained with FTC Federal Trade Commission. If there is anything else that I can do please help me to clear my good name and my business reputation.

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 2018-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Following fraudulent activity on my HSBC Premier Mastercard, HSBC has recovered the amount from XXXX ( from which the fraudulent charges originated ), but has applied late fees, penalties and interest. Following a phone call with customer service, HSBC has confirmed they would credit them back and that the balance would be purged back to XXXX. However, days later a notice of late payment was sent to my home urging me to pay back the amount outstanding. Not only is this fraud, but following this I tried to call customer service again and have been unable to reach any other department than the collections department and any messages I have sent through my online account have been automatically replied to urging me to contact the collections department. The collections department 's bullying tactic involves questioning to obtain as much information as possible, refusing initially to transfer me to the fraud department, and once transferred I was first dropped to the main standard again, which reminds you of the balance outstanding and only gives you the option of making a payment. After calling the collections department again, I asked to be immediately transferred to the fraud department, and was put on hold for an hour while I had just been transferred within a minute hold and dropped 10 minutes earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
After making two trips from Oregon to Virginia to visit my elderly ailing mother, my credit card charges was at {$3200.00}. My husband suggested I find a zero interest balance transfer card, so I started searching online. The next day XXXX received a phone call from a guy by the name of XXXX XXXX ( XXXX ), from " Card Services '', who did not speak very good English ( should have been a clue ) who eventually transferred me to a XXXX XXXX ( XXXX ) who stated she could take care of my problem. She explained that their fee was {$1400.00}, and having never done this before I did not know. She tried to open a card in my name, but was unable to get credit approval, so suggested we apply in my husbands name. We got approved for a XXXX, with a {$3800.00} limit. She then told me to call her back when we received the new card. In the mean time, she charged my original card the {$1400.00} fee, which now put my balance well above the limit of the zero interest card. I called my original card company, CapitalOne, to dispute the charge, but was told that since I had authorized it, I could not dispute the charge. Then they transferred part of my balance to the new XXXX. These people need to be stopped, you can get balance transfers done for 3 %, not thousands of dollars. I would like to be able to get my {$1400.00} back. In the mean time, my husband went to our bank and got set up with a zero interest balance transfer card at no fee, then transferred all of the other balances to the new card, so that issue is now resolved. There should still be a way to recover my, in my opinion, fraudulent charge of {$1400.00}. CapitalOne must have a name and address where funds were sent! Please help! I am now fully aware of how ridiculous this entire process was, but having never needed this service, I simply did not know. 


XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: RI

Complaint narrative:
In XX/XX/2017 we decided to refi through HPF. We were to expect a lower monthly payment for the same services. We were refunded taxes " paid in full '' by the law firm. Those funds should have been returned to escrow. During the annual escrow analysis it was discovered that we had not had two escrow items included at on-boarding. I went back and forth with the we care team and were promised they would add the items into my escrow. That did not happen. Our previous mortgage company did pay the landlords insurance policy and our fire tax. HPF refused to do so. To settle the issues of the increased monthly payment and the escrow expenses HPF branch offered us a {$1200.00} reimbursement in addition to a settlement from HPF corporate. We signed the settlement under the advise of the branch employees and on good faith this long drawn out process would be solved. However once we received the corporate settlement we were refused the branch payment. Corporate says the branch can not offer the refund. The branch still maintains that they did offer the refund and stand by it. 

During the course of this transaction i have been in communication with countless members of the we care team, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX.

Company response to consumer: Closed with explanation