vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted Equifax, in part, because I have been a victim of identify theft in the past and also because I was affected by their data breach last year. Equifax was not helpful and requested I file a complaint with CFPB or provide an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX/ XXXX onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi I am contacting your company because I am a victim of identity theft and these companies are trying to hold me responsible for debt that I didn't not make nor did I have knowledge of. My ex husband that was deported XXXX XXXX used my information as well as my sons to open back accounts as well as credit accounts. I have contacted the companies several times trying to fix this but they refused to do anything. I am a XXXX mother of one and I don't want to be responsible for debt that I did not make. I have filed police reports and my ex husband was XXXX for stealing not only my sons and my identity but also a few other people. I am asking you to please make this company remove these fraudulent accounts because they are not mine and I did not profit off whatever it is that was gotten and these account do not belong to me and are 100 percent fraudulent. Here are a list of the accounts that I am disputing Equifax keeps re reporting fraudulent information and I keep telling them that that these accounts are fraudulent and I would like them removed from my credit report at once XXXX XXXX Reported : XX/XX/XXXX + {$390.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$420.00} XXXX  reported XX/XX/XXXX These are all fraudulent and I want them removed at once I'm including police report and can also provide deportation information if needed this man stole my identity and I want this removed off my credit report for good. 
If there are any questions feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: TX

Complaint narrative:
XXXX XXXX XXXX wasted the effort by just accepting collection companies word I owe the debt. No one has ever documented and proven that I owe these collections that XXXX has posted to my report. They have allowed XXXXXXXX XXXX to post five amounts to the same creditor, same account in collection, as 5 collections. Thus, grossly over stating my indebtedness in collections. 
Just because a collection company says you owe money dos not make it so. 
What did they expect them to do, of course they " self verified '' I owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my Experian credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted XXXX, in part, because I have been a victim of identify theft in the past and also because I was affected by their data breach last year. Experian was not helpful when I called to dispute the inquiries therefore I am filing a complaint with CFPB and providing an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Customer Service / XXXX XXXX on XX/XX/XXXX In  addition, I am requesting XXXX XXXX for the public record on my report. I have been informed by seeveral Consumers that Experian allowed them XXXX XXXX for Removal Of derogatory information if it is within 6 months of the record being removed. XXXX has removed it and I would Like Experian to remove it. I would like to be treated equally to how other consumers are treated.

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 2018-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted Transunion, in part, because I have been a victim of identify theft in the past and also because I was affected by XXXX data breach last year. Transunion was not helpful and requested I file a complaint with CFPB or provide an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Our mortgage was sold by XXXX back in XX/XX/XXXX to Mr. Cooper. At the time we were told no changes would be made just our servicing mortgage company. Unfortunately, this was not the case.XX/XX/XXXX upon logging in to make a payment, I saw a notification of a shortage. My husbands property tax exemption was not transferred over and the shortage that was calculated was incorrect. I was told by the rep to call back 14 days later and it will be corrected. On XX/XX/XXXX I called and it was still not corrected I sent over the information via e-mail and was told it would take some time for them to complete another analysis, but it would be updated. The only thing we are paying via escrow is hazard insurance. On XX/XX/XXXX, I logged in to make a payment to see two conflicting statements. One that said my amount due was {$700.00}. And one below that said my escrow account was short by $ 39 monthly. I called Mr. Cooper and spoke to a XXXX who saw the conflicting information, and transferred me to an escrow rep, XXXX who placed me on a long hold once I explained the math and how the payment amount did not add up. I requested to have the escrow removed, and she said due to the loan not being at 80 % ( short of {$6000.00} ) she would be unable to Remove the escrow. She became very confrontational when explaining the number and I let her know that I was very frustrated because I did not request this transfer or have the ability to review any new terms that were set forth by Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have accessed my online Experian account, this morning ( XX/XX/2018 ) from a telephone call disputes, I had communicated to Experian 's telephone representatives on XX/XX/2018, in regards to incorrect address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Illinois XXXX documented onto my Experian credit file, in preference to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the city of XXXX, in the XXXX of Illinois and in the zip code area of XXXX. I have received email notification that my disputes are any for review in my Experian account however, once I had clicked onto the hyperlink button, I always received a message as stated, " We're experiencing technical difficulties and can not access your report at this time ; please try again later '' these messages had occurred for few weeks now. I am unable to review Experian disputes results. I have sent Experian the appropriate identification copies as verification proof regarding their incorrect apartment number, XXXX documented onto my Experian credit file, instead of my correct apartment number, XXXX. See attached PDF files.

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 2018-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: NC

Complaint narrative:
XX/XX/2018 I was in contact with XXXX XXXXXXXX XXXX. I did not create a new account with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Contacted Wells Fargo in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to dispute two late payments for XX/XX/XXXX and XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by Wells Fargo. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been 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 non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I have a " FlexLoan '' from XXXX XXXXXXXX XXXX beginning in XX/XX/2017 when I had several unexpected expenses. I had to use one transaction to even pay my rent. I understand this is not meant to be inexpensive credit and there are warnings about not borrowing too much, but I never saw the interest rate charged until I logged in and pulled up statements. Way at the bottom the rate is shown to be 279.50 %! No wonder I can not get ahead! On the original {$3800.00} borrowed, I am paying {$900.00} per month. The terrible thing is my balanced owed is going up each month due to compounding interest! 

I contacted XXXX asking for a way to lower my interest rate - they say that is not possible. I asked to close the account and setup a reduced repayment plan and they refuse. What is my recourse? I want to honor this debt but the outrageous interest rate and compounding is making this very difficult! 

Thank you for your assistance. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a concern reguarding Equifax only at this point?. Last year I was given a 12 month relief from making any payments at all based on the fact i was in a Federal disaster area during XXXX XXXX. Because of the XXXX and losing my home I am now in a XXXX  situation. I applied for and was granted in XX/XX/2018 a 12 month Forbarence on my student loans. I noticed today that Equifax and only them so far dropped my FICO score 67 points because of the 12 month Forbarence statement from XXXX which has my loans. From what ive read, i should not see a major decline if any at all on my credit score because of this? As of this past friday i finally recieved a very nice Job offer from XXXX XXXX ( XXXX XXXX XXXX ), which will be doing a background and credit check to complete my hiring. I am now afraid i will lose this great paying job because of my extremely low FICO score. Without this good paying job and full benefits for my family we will continue to struggle to get off of the streets? Is this something that is legal for them to decrease my score 67 points? When what i thought I was doing, was a responsible act with my creditor? I do not have any missed or late payments on my student loans at all and am in good standings according to Equifax? However i am being penalized because of this situation, which started with a Natural Disaster?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
My Nephew needed a better car for work, ( His credit was not real good ), so I put the car in my name, paid down payment, and every payment. When his wife got a job they where to start making it, but my Nephew died. Wells fargo sent a check because we I had overpaid. But when they sent the check it had XXXX XXXX and XXXX XXXX, and my bank whould not deposit it. I returned the check and told them he was dead and since my name was first and he had not paid any down payment or any payments, to please send new check with just my name. ( Who would send a check to a dead person ) They where nice at first and said it would be taken care of, but the next person I spoke with was a _itch of the first degree. I'm on a very limited income and need the money. Wells Fargo new my nephew was Dead before I called them. Thank you for your time XXXX XXXX XXXX :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AK

Complaint narrative:
Woke up to a collection on my credit report from Commonwealth for {$1200.00} on my XXXX. They never sent me any notification of this debt of what its for or allowing me the opportunity to dispute it. They broke the law and violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: WA

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX undergoing a modification and missed a number of payments. The mortgage was purchased by XXXX/XXXX and successfully modified. The status is currently good/pays as agreed. XXXX XXXX persists in reporting this mortgages current status as delinquent when it is not, and hasn't been for years. I have disputed this with the credit reporting agencies with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I have disputed an account with XXXX for RentDebt 3 times. This is not being removed from my report. I was contacted by the company one time and provided information payment made and video of apartment to show that the debt for XXXX is not valid and I only should owe an amount of XXXX I have asked for this information to be updated and XXXX keeps reporting the debt as XXXX and saying that the amount is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MS

Complaint narrative:
I have a court document that I'm not responsible for and the company refuses to remove the collection from my credit report. I've uploaded the certified court document, and they still refuse. XXXX simply refuses to remove the collection despite the certified court document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have home owners insurance through XXXX XXXX XXXX XXXX, issued by XXXX XXXX XXXX of the XXXX. On XX/XX/XXXX, I paid the annual premium of {$930.00} through my credit card. Days later, Wells Fargo paid the premium as well due to a misunderstanding regarding my escrow account. I called Wells Fargo and they said they could not retract the payment and I had to call the insurance company. I called the insurance company and they said they'll send me a check for {$930.00}. As of XX/XX/XXXX, I still have not received the check despite calling the insurance company to follow up several times. I also have called Wells Fargo several times and they just refer me to the insurance company. The insurance company insists on sending the check via US mail without tracking information. It should not take over 3 months for me to get my money back. Please help!

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 2018-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
The number of qualifying payments eligible for PSLF being reflected on my billing statements is incorrect. I have contacted the company several times by email and never receive a response, and I have also faxed them and mailed them all of the information proving that the qualifying payments are not accurate. The first fax they responded that my employment verification dates showed a start employment date that was prior to my employment end date which was just completely not true. I included the employment certification again, along with my credit report showing how many payments I have made on my student loans and every other piece of information I could find to prove the payments reflected are incorrect. I requested that a supervisor handle the request since my first attempt had been so blatantly blown off by somebody just trying to respond to the fax quickly without actually making sure their response was accurate. I have never received a response to the second fax and mailing or the many emails I have sent attempting to check on the status of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was charged {$100.00} for recovery of my contents in safe deposit box # XXXX by Chase Bank # XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
Date : XX/XX/XXXX Contact : XXXX XXXX Contents were scheduled for pick up on XX/XX/XXXX but contents were never provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: DISCOVER BANK
State: NC

Complaint narrative:
XX/XX/2018 I was in contact with Discover for a student loan. I did not create an account with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Settlement agreement made and paid for two accounts with USAA, my c edit report was updated but still reflects a balance owed. I contacted USAA and they informed me the problem will be fixed. I conducted a dispute for both accounts and results came back as reporting accurately. Contacted USAA again and they said it is the reporting agency that has failed to update the accounts accurately. So I conducted another dispute on both accounts and received the same result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/2018, I was in contact with Chase Banks. I did not create an account with their company.

Company response to consumer: Closed with explanation