vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 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: SC

Complaint narrative:
XX/XX/18 - Received dispute result stating that the information I disputed was found to be accurate, however, information unrelated to your dispute has been updated. I disputed a collection NO KNOWLEDGE, NO CONTRACT, NO SIGNED AGREEMENT. I have NO knowledge of the collection with XXXX XXXX XXXX, XXXX. I have NO contract for the collection with XXXX XXXX XXXX, XXXX. I have NO signed agreement for the collection with XXXX XXXX XXXX, XXXX. Experian did not obtain proper/required information showing that I have a signed agreement, contract or knowledge of debt with XXXX 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 explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MS

Complaint narrative:
My student loans where on the income driven repayment plan. After one year I was up to renew them and I was also enrolled in school. When I contacted XXXX about renewing my annual repayment plan the representative stated that I was in school and that I could have them forbearance. I told her no thank you. She stated that when you enroll in school the system would automatically place you in forbearance. I explain to her that I am okay with paying my loans and that I would not like for my loans to automatically do that. I explained that it was not helping me or my loans my giving me the option to do that when I am able to afford the income repayment. She then stated that she would fix my account so that my loans would not automatically go into forbearance. After getting off the phone with her a couple of weeks later I would be surprised to find out that my loans went into forbearance after I inform the company that I did not want this to happen or that option. Call the company back and the guy inform me that he would fix the issue that it wasnt processed correctly. They company are thriving off keeping students in debt by giving them the option to live now and pay later. Meanwhile the interest is stacking up and making my loan bigger than what I initially borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: TN

Complaint narrative:
Back in XXXX Equifax reported on my credit XXXX XXXX. of Health for late child support payments, I also in XXXX, submitted a dispute stating that I had no owed nor late payments with XXXX and account was closed as of 2015. I also sent via fax and upload a Certified letter from the XXXX Credit branch backing my claims. XXXX came the account was completely removed, and stayed that way until recently now there are two duplicate accounts showing for the samething. I contacted Equifax about the error and made a dispute against the duplicate also a week ago but the original account has been put back on my report, and its been four months since I disputed it, I just want to get this all resolved so I can move foward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received a credit card offer from USAA for a USAA XXXX XXXX credit card with various temporary benefits. The offer was to expire on XX/XX/XXXX. On XX/XX/XXXX I applied online for the card. I received a call from USAA within the hour informing me that I had frozen my credit and would need to allow them access to XXXX in order to complete my application. I immediately obtained a one time pin number from XXXX allowing USAA access to the needed credit report. I called USAA and provided them with the pin number. On XXXX I received a denial online with the reason being an inability to obtain a credit report. On XX/XX/XXXX I obtained a 2 week lifting of my credit freeze from XXXX and attempted to reapply for the card. The offer was no longer available online, so I called USAA to reapply. The representative said she would look into the situation and called me back to inform me that once they had denied my application that offer was no longer available. I advised her that it seemed like an odd decision since the error was USAA 's. On XX/XX/XXXX I received a new offer online for the same card with the same benefits, but the offer was not available to me when I attempted to apply that same day.

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 2018-08-22 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: Ray Skillman Westside Imports Inc
State: IN

Complaint narrative:
I have 2 hard inquiries on my credit report for ths same exact date, for the same exact purpose. XX/XX/2016 I started an automobile lease through XXXX XXXX XXXX XXXX. Information on them below : Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The dealer also ran my credit and this caused the second hard credit inquiry on the same date of XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I was under the impression you should only be assigned one inquiry for the same exact financial purchase / obligation. 

Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
During XX/XX/XXXX-XX/XX/XXXX I lost my job and was going through severe financial hardship. I filed a financial hardship letter around XX/XX/XXXX and XXXX XXXX XXXX XXXX acknowledged my financial hardship and restructured my loan for me to make my payments lower. 
I have been on time with payments every month since then, up until and including this month of XX/XX/XXXX. 
As of XX/XX/XXXX, XXXX XXXX XXXX XXXX claims they have no power to remove the late payments due to financial hardship, and said I could file a complaint or converse with the credit bureaus to have this unfortunate mistake removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: IN

Complaint narrative:
I have made several requests for Transunion to verify information they are reporting on my behalf to others on my report. In my written requests for this information I requested them to send me a copy of the information they used to verify the information they are reporting is valid. I requested contact information be sent to me for all debt they have indicated is valid. I ask to have the info verified or removed. Transunion has failed to properly verify the info or its accuracy and provide me with the documents they have used to verify the debt but have sent me responses saying they have verified the debt and it is valid. I sent them several requests in writing in regards to the accounts I will list below. I sent the request both online as well as via mail on the following dates XX/XX/2018, XX/XX/2018, and XX/XX/18. The accounts I am listing are either reporting incorrectly or they DO NOT BELONG to me at all. I have requested them to properly report information on my credit report but they have failed to do so and have refused to do so which is a direct violation of my rights. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX XXXX XXXX XXXX XXXX Bankruptcy Court 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 explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates
State: FL

Complaint narrative:
We are a not-for-profit corporation. We currently have an account with XXXX XXXX XXXX linked to a former employee and have been unable to close the account. XXXX XXXX XXXX continues to bill us for the monthly charges and also sends the bill to our old address. I am unable to close the account and unable to respond to the bills or pay timely as we don't receive the bills until months later due to them continuing to send to our old address. XXXX XXXX XXXX has been unresponsive in my requests to close out the account. 

XXXX XXXX XXXX turned over a past due balance to Prince Parker. A representative named " XXXX '' has repeatedly called our office and has been extremely rude and unprofessional and threatening. He also repeatedly tells the receptionist we are delinquent in our bills. His tone and frequency of calls has made our staff feel uncomfortable. Most recent calls were on XX/XX/2018 and XX/XX/2018. He has also called before, though I don't recall specific dates. This is unacceptable and completely inappropriate. 

Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: IL

Complaint narrative:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. These accounts does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and i never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX & XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX all have a {$0.00} balance. As well as the incorrect address of XXXX XXXX XXXX, XXXX, MS XXXX I have never lived at this address. I have have been a resident of Illinois for over 15 years. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc
State: IN

Complaint narrative:
I have a letter from my insurance company from XX/XX/2018 which states that I am medically XXXX  which prohibits me to use the gym facilities. I called on XX/XX/18 to cancel my membership and the rude managers, XXXX and XXXX said that other people use our facilities that have XXXX , so we could freeze your account if youd like. They wanted a note from a doctor that states my personal medical condition and I am not comfortable giving them that sensitive information. My insurance company works in conjunction with all of my physicians so why isnt the letter from my insurance who got the information from my physicians enough to cancel my membership?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was charged excessive fees by TD bank for the following dates and amounts : Tuesday, XX/XX/XXXX, in the amount of XXXX dollars, Monday XX/XX/XXXX, in the amount of XXXX dollars, Tuesday, XX/XX/XXXX, in the amount of XXXX dollars and Tuesday, XX/XX/XXXX in the amount of XXXX dollars. This is XXXX dollars in total for over draft fees. I attempted to reach out to a branch employee but When i attempted to go inside he branch, I was advised that they were closed, although there was 20 minutes still left until closing. May you please assist?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
Quicken loans was working with me in a home loan for over 6 months. People working with me in quicken loans where Mr XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ), and the person of claims. This company should be investigated. They gatter all my paperwork needed, XXXX, birth certificated of my kids, bank account information with statements, we did a VA amendment to purchase contract along with the home owners XXXX XXXX and XXXX XXXX. Pest inspection was done by XXXX XXXX, Appraisal was done by a real state and va aprraiser name XXXX. I was approved by underwriting of quicken loan ( XXXX XXXX ) .Quicken loans ask me for XXXX dollars deposit that it will be included in my va home loan. The office of attorney XXXX XXXX, Tel # XXXX ( XXXX ) attorney of home owners XXXX XXXX and XXXX XXXX local pastors. Attorney office contact me because they have all the paperwork ready given by quicken loans for closing in the home, attorney give me a date for closing for XX/XX/2018 @ XXXX XXXX. The same day of the closing on the home ms XXXX XXXX call me and told me that they run my paperwork through va underwriting and they cancel the loan. I call mr XXXX XXXX after i spoke with XXXX XXXX and he said that everything was ready for closing but there was a change in the money that I have to bring the closing date. I inform what i spoke with ms XXXX and he said that to his understanding everything was good and he will speak to XXXX XXXX. Then I call XXXX and she said there is nothing that she can do. That was an Va underwriting decision, because they see me as a risk. I ask for my money back of XXXX dollars and claims told me ; they can not give me the money because the XXXX dollars exceed the money they spend. I read reviews of the web about quicken loans and some people where ask for the deposit of XXXX dollars and they never received the money back. Please i want my money back, and please investigate quicken loans. They are giving people false information. They need to paid me back the deposit of XXXX dollars and shred all my paperwork along with birth certificates and bank accounts that they have. Scam watch. Sincerely Us XXXX Veteran.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22 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: IN

Complaint narrative:
I have made several requests for EQUIFAX to verify information they are reporting on my behalf to others on my report. In my written requests for this information I requested them to send me a copy of the information they used to verify the information they are reporting is valid. I requested contact information be sent to me for all debt they have indicated is valid. I ask to have the info verified or removed. EQUIFAX has failed to properly verify the info or its accuracy and provide me with the documents they have used to verify the debt but have sent me responses saying they have verified the debt and it is valid. I sent them several requests in writing in regards to the accounts I will list below. I sent the request both online as well as via mail. The accounts I am listing are either reporting incorrectly or they DO NOT BELONG to me at all. I have requested them to properly report information on my credit report but they have failed to do so and have refused to do so which is a direct violation of my rights. 
Accounts : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had never received information on how to resolve paying off these debts, from GE capital retail bank. They placed 2 deragatory remarks on my credit report the for the card started on the same day ( Opened XX/XX/2014 ) They placed a double negative in order to pressure me on this. Very unethical pinning me into bad credit. 

This has greatly destroyed my credit not allowing me to get a car or anything in life. 

I had trouble paying for this card as a student and ran into financial difficulties.

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 2018-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was in disbelief when I saw on my credit report a late payment reporting for me in XX/XX/2016. I am not sure what may have happened. I believe I made all my payment to you when I received my statements. My only thought is that my statement never got 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 2018-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bronstein & Weiss Arbitration
State: MD

Complaint narrative:
On XX/XX/2018, My wife and I were contacted separately about a Payday Loan from XXXX XXXX. The POC name is XXXX XXXX, XXXX, ext XXXX. The loan amount is {$1100.00}. Here is what he said to my wife. 

wo of the messages stated they were from Weiss Arbitration and one from Weiss & Associates. The first message were received on XX/XX/2018 at XXXX XXXX and XXXX XXXX PST. The first call was to my wife 's cell phone and the second on my cell phone. The voice mail stated : XXXX ( my name ) my name is XXXX XXXX calling from Arbitration. My firm has retained a file formal complaint against your name and your social. We will be conducting and in depth investigation in your finances. In state law I am required to notify you 72 hours prior to this which starts right now. You need to be debriefed on all allegations inquired from you financial institute as well as place a statement on the record. I can be at my litigation s department. My phone number is XXXX ext XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am not satisfied with the resolution to my dispute. I am a new and young customer with Wells Fargo. I do not think they should deal with XXXX for many reasons. It is not a reputable company and there is no fraud protection at all. I understand that you should never send money to someone you don't know but I believe as big as Wells Fargo is and as long as they have been around that they would be able to protect their customers. I did use XXXX and thought the transaction went through however Wells Fargo posted this transaction twice. I am very dissatisfied with the results of my first complaint and I believe that the resolution was honestly a bit juvenile. I had already gotten my refund from Overdraft when I myself called the bank. I believe I deserve to be refunded one charge of the {$70.00} transfer to XXXX. I do NOT think that is asking much. I have learned my lesson and will never use this function again but I believe that Wells Fargo should have some protection for their customers.

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 2018-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX is trying to collect {$800.00} for XXXX   that I have disputed. XXXX XXXX has done nothing to resolve this issue and has been unresponsive in resolving this. 

I offered a pay for delete letter even though this isn't my debt. There was no response. 

I believe this debt is so old at the point it shouldn't be listed on the file. 

I need help in resolving this. 

Account number with convergent is 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