vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 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: LA

Complaint narrative:
A collection company with an unknown date reported some payday loan or something that is not mine to Transunion, XXXX, and XXXX  on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) XXXX XXXX has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company XXXX XXXX and Transunion and XXXX have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID

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 2018-08-28 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: Finco Holding Company LLC
State: HI

Complaint narrative:
XXXX has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

The Equitable Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXXXXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: HW Holding, Inc
State: HI

Complaint narrative:
XXXX  has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXX XXXX XXXX Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.

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 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was struggling to pay my mortgage. I have XXXX children and I encountered some difficulty with one of my kids who did not initially want to sign the modification documents. However the issues were resolved and the documents were signed and submitted. I continued to make my payments and did not miss any payment. I was advised that every effort would be made to reinstall the Modification, however I was recently informed that the modification was denied. I would like to keep my home and would like this matter to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: HI

Complaint narrative:
Experian has the following information on my credit report and it is not correct : Shows an address of : XXXX XXXX XXXX XXXX TX XXXX have never lived in TX XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from : XXXX XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. 
This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX This account was never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXX XXXX I did not authorize this. 
XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.

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 2018-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
I purchased the car in XX/XX/2016. at the time of purchase we agreed on my trade in plus $ XXXX.the finance guys over financed {$1500.00} in my loan. I have over looked the docs. Now when I review the original docs and notice the error. 

here is the math {$2500.00} + {$1400.00} ( payoff on my trade in ) + Dealer fee {$1000.00} = {$4900.00}. I did not purchase any additional warranty product. 

when I noticed my financing docs. it's showing I am financing over {$6400.00} I have reached out to the dealers with no repose. 

dealer 's name XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern - were a small business based in XXXX XXXX. This morning we found evidence of embezzlement from a former disgruntled staff member of ours. His final check was made out to him in the amount of {$230.00}. He wrote in an extra $ XXXX ( see attached photos ) on the check ( can clearly see the different handwriting ) and to add insult to injury Wells Fargo gave him another $ XXXX so now were at a loss of at least $ XXXX which is a lot for a small business! However we still have not been reimbursed our money by the bank due to research. Weve since filed a police report with the XXXX ( case # XXXX ) who also confirmed the crime so theyre beginning a thorough investigation. Im reaching out to you to please help escalate this matter for us and expedite the resolution for reimbursement AS A RESULT OF WELLS FARGOS ERROR. Im giving you this opportunity before I file a formal complaint with the FTC ( as we know Wells Fargo doesnt need yet another complaint filed ). We appreciate your attention to this!

XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am currently writing in to dispute a charge that comes up on my credit for XXXX XXXX. I have never had an account with XXXX XXXX and I do not owe a debt to XXXX XXXX I have asked repeatedly that the company remove the information that is enormously listed on my credit. It shows that the creditor is XXXX XXXX XXXX. I have asked XXXX  to provide a contract that I signed with them and they are not able to verify that information and or provide actual documents that I show that I had a contract directly with them. The company has repeatedly sent notices of collections using harassing language but again has failed to provide a contract signed by me with XXXX XXXX and because of that there is no validity to the debt that is showing up on my credit report. XXXX XXXX has repeatedly failed to provide the proper documents and by law a third party agency can not collect on a debt not belonging to them. If the information is not removed from ALL Credit Bureaus I plan to seek further legal action in getting the information removed from all 3 credit bureaus!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX on Friday, XX/XX/2018 to inform them that my payment in the amount of $ XXXX will be postponed due to a financial setback and that payment would be remitted during the month of XX/XX/XXXX. The representative was combative and said that if a payment was not rendered prior to XX/XX/XXXX that it would be reported to credit bureau. I apologized and indicated it is unfortunate but there was no way payment could be made at that time.

Today, I noticed that they went ahead and processed this payment without my authorization which created an overdraft in my checking account. XXXX XXXX did not have authorization to withdraw this amount from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: AL

Complaint narrative:
I have contacted both XXXX  and Equifax to try and resolve the issue with the following inquiries that I either do not recognize, were not authorized by me, or were obtained deceitfully, to no end. 
/ ( XXXX ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX XXXX  ( via Screening Reports ) requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - Local Finance requested on XX/XX/XXXX ( I DID however, authorize the pull from XX/XX/XXXX ) - The XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX   requested XX/XX/XXXX ( I DID authorize a pull on XX/XX/XXXX ) (  Equifax ) - XXXX XXXX/XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX   requested XX/XX/XXXX - XXXX requested onXX/XX/XXXX - XXXX requested onXX/XX/XXXX - XXXX XXXX XXXX   requested on XX/XX/XXXX - XXXX XXXX  requested onXX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX  requested on XX/XX/XXXX - XXXX XXXX  requested on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D&A Services, LLC
State: IL

Complaint narrative:
On Tuesday,XX/XX/2018 at XXXX I was contacted by D & A Services on behalf of XXXX XXXX , I was threatened with a lawsuit if I did not make a promise to pay to debt. I was repeatedly told the call was recorded. I asked her to please stop threatening me with a lawsuit she did not stop the scare tactic.

Also on a previous call, they informed me that they had checked my credit to see that I had been settling other accounts and told me I need to settle with them or they would take to me court and garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: Midwest Recovery Systems
State: LA

Complaint narrative:
A collection company with an unknown date reported some payday loan or something that is not mine to XXXX, XXXX, and XXXX  on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) Midwest recovery has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company Midwest recovery and XXXX  and XXXX   have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: LA

Complaint narrative:
A collection company with an unknown date reported some payday loan or something that is not mine to XXXX, Experian, and XXXX on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) XXXX XXXX has ZERO documentation 3 ) they harassed my parents back in XX/XX/XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company XXXX XXXX and XXXX  and Experian have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID

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 2018-08-28 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: HW Holding, Inc
State: HI

Complaint narrative:
XXXX has the following information on my credit report and it is not correct : Shows an address of : XXXX XXXX XXXX XXXX   TX XXXX have never lived in TX XXXX XXXX XXXX XXXX  TX XXXX have never lived in TX Shows a collection account from : Hunter Warfeild, Inc.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX  

This does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OR XXXX This account was never late.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX  This account was never late Shows an inquiry from : XXXX XXXX. I did not authorize this. XXXX. I did not authorize this. XXXX. I did not authorize this.

XXXX. I did not authorize this.

XXXX XXXX XXXX. I did not authorize this. XXXX XXXX XXXX. I did not authorize this.

XXXX/Pre-Owned. I did not authorize this.

XXXX XXXX. I did not authorize this.

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 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
We are receiving calls from XXXX XXXX XXXX XXXX. They are attempting to contact someone with the last name of XXXX. We have had our phone number since XX/XX/2006. When we first received this number we received debt collection calls for a person named XXXX, who I guess was the prior holder of the phone number. ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On Tuesday, XX/XX/2018 at XXXX I was contacted by XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX I was threatened with a lawsuit if I did not make a promise to pay to debt. I was repeatedly told the call was recorded. I asked her to please stop threatening me with a lawsuit she did not stop the scare tactic. 

Also on a previous call, they informed me that they had checked my credit to see that I had been settling other accounts and told me I need to settle with them or they would take to me court and garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: MA

Complaint narrative:
I filed bankruptcy and was awarded a discharge in XX/XX/2016 and it says discharge was XX/XX/XXXX. I called the office and says they dont speak to consumer companies so how did they verify wrong information. I ask to have the contact person information and never got answer just court general phone number

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 2018-08-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: OK

Complaint narrative:
My husband and myself have a joint auto loan with Toyota Financial Services. In the process of trying to get a home loan, we found out that Toyota reported us 30 days late in XX/XX/XXXX andXX/XX/XXXX. I tried to resolve over the phone with Toyota, however there is no possible way to speak to a person in the credit reporting department. You have to communicate by letter only. Several months later I finally received a letter back confirming that they had researched and corrected the negative credit markers, yet their correction letter to us mentioned the wrong month ( XX/XX/XXXX). Still to this day they can not send me a letter to confirm that they corrected the month of XX/XX/XXXX, like I have asked.

I thought this was resolved, because there is no longer a negative marker on my credit or my husband 's for the months they reported incorrectly, so I let it go thinking it was just a bad mistake on their part.

Then 2 weeks ago I found out that Toyota AGAIN has reported us 30 days late, this time it is for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our payments are due on the XX/XX/XXXX  of each month, and again, all these payments are paid well before the 30 day marker, usually within 1-2 weeks after the due date. We NEVER past 30 days, yet Toyota continues to report us 30 days late and their excuse is that " the payment has not posted by the last day of the month. '' They " ding '' our credit on the last day of the month even though thirty days have not passed. They have done this to us 5 times in the last 24 months now.

This is ruining our credit, and it takes months to resolve!

This should be illegal to report someone at 10 or 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge ALL CREDIT HISTORY OF THE LOANS WILL BE DELETED. I've sent multiple disputes to Navient and each credit bureau that's STILL reporting and they REFUSE to remove them.

Navient has reported them as defaulted and/or paid as agreed and that is NOT what it is. They have been DISCHARGED!!! NOT paid as agreed or defaulted. I've called them several times about this. I even spoke with someone who said they should've been deleted since they were approved for a discharge. The letter they sent even said they will they will notify the consumer reporting agencies to have them removed. They've yet to do that.

They are fraudulently reporting them as something they shouldn't be reporting as. I've asked them to change the status from DEFAULT/PAID AS AGREED to their true status of DISCHARGE and they refuse to. They constantly say they are reporting them correctly when they aren't.

This needs to be resolved AS SOON AS POSSIBLE.

I've attached the LOAN DISCHARGE APPROVAL LETTER, the letter from them saying they are reporting correctly ( as they are NOT ), and a copies of my credit report that show where they are still reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have tried and been lied to about my student loans, I have not worked since XXXX till now, we did our XXXX income tax and the XXXX XXXX XXXX XXXX took our federal refund ... .I have never been told or received any information on them taking anything ... They took it from my husband we have the form to get it back. Also we received a letter from Navient post claim assistance and XXXX on XXXX XXXX, they have stated they can take all m XXXX, I am n had health, so they said there going to take my husbands, even though I have spoke over phone, wrote to them he never signed or told anyone he would cosign for me. They were told, also this company is not the only one, I Sent money for a year because it i would for one year Navient and XXXX would send me all paperwork to get into the program to be free of all student loans. Ok, after that FTC sent me a check from XXXX and then XXXX University sent me two separate mailers that were notarize from state that they XXXX University paid all my student loans.I am tired Sallie Mae, Navient and many other companies, I with different amounts they say I owe. I do not owe, listen don't just do this for me, do it for all the others they need to get off this roller coaster, I will, i had a XXXX XXXX on the XXXX of this month, so maybe not much longer.

Company response to consumer: Closed with explanation