vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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: TX

Complaint narrative:
The account from XXXX XXXX for the amount of {$1300.00} was investigation and the Credit Bureau removed the account because the information was not valid.. Sometime passed then the account was back on my credit report ... In which it was disputed and removed again. This account not valid. This account has been removed from my credit report then place back on several times.

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 2020-05-27 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:
The account from XXXX XXXX for the amount of {$1300.00} was investigation and the Credit Bureau removed the account because the information was not valid.. Sometime passed then the account was back on my credit report ... In which it was disputed and removed again. This account not valid. This account has been removed from my credit report then place back on several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
Hello my name is XXXX XXXX and I had XXXX  dispute this collection bill due to fact that I did not have a XXXX XXXX account.I have a fraud alert on my XXXX report for fact I was notified by a police officer that someone had used my identity more than likely.Also bc there were addresses I never lived at with variance of my name changed on report wrong middle initial and name changed around.XXXX responded with saying that XX/XX/2019 report numberXXXXConvergent Outsourcing orgin XXXX.The information I disputed has been verified as accurate.However info unrelated to dispute has been updated.And still has the XXXX the Convergent co.is out of Wa.But, I am in AZ.I had asked what name the account was in since varriances were under dispute on my report with XXXX  and asked if this account existed Wich I never had what info they had and how they obtain the account setup and address.I have never been answered on any of those questions to further provide proof where I was at time account was created if needed, and still have no understanding of when account was created .Just when in collections.I really would like help further resolving matter as trying repair credit.Thank you for time and consideration in resolving this matter, XXXX XXXX XXXX is email you may reach me back at.

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 2020-05-27 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: OH

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$1700.00} XXXX XXXX {$350.00} XXXX  XXXX XXXX {$460.00} XXXX  XXXX {$800.00} XXXX   XXXX {$3000.00} XXXX   XXXX {$4000.00} XXXX  XXXX {$9900.00} XXXX  XXXX XXXX {$2700.00} XXXX XXXX XXXX {$570.00} XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: ID Analytics, Inc.
State: AR

Complaint narrative:
In XXXX I applied for a XXXX XXXX card to receive an additional 10 % discount on an order. They said they would mail me a letter. I received the attached letter from XXXX XXXX  saying I had not been approved because the consumer report stated the applicant was deceased. ( Attached Ex A ) I was not then or am I now deceased. I called Sagestream 10 times and left a voicemail requesting a copy of my report they sent to XXXX XXXX  for XXXX XXXX and requested a return call to discuss this issue. I never received a phone call. I made 4 request online and the Sagestream website for the said report. The letter States I can receive a copy of the report if I request within 39 days. I never heard from Sagestream. You can not get through to a person no matter what number you push when you call the number on the letter. XXXX I received the letter attached from Sagestream without a copy of the report stating that my XXXX score was XXXX and the following : *When consumers SSN was issued compared wit *Limited history for consumer at this phone *Limited history at this address *Number of inquiries *Inquiries did adversely impact score So now I'm not deceased I have all these other issues. I am a widow on XXXX and my credits not perfect now but I've come a long way since after my husband died suddenly 4 years ago. My credit score with XXXX  and XXXX  is between XXXX-XXXX. I have read Sagestream does some other kind of scoring. 
I want a copy of the report they sent to XXXX XXXX  that I requested via phone and online within the 30 day period. I want this corrected and a copy of the corrected report. I also want to opt out of anything with Sagestream , LLC. This has been a nightmare over a 10 % discount for XXXX XXXX but Sagestream didn't do due diligence on this and needs to make it right and send me the copies I hab requested. No company should have the authority to make a mistake and then just ignore it hoping it goes away and not ever sending the consumer the correct information. What if this had of been a mortgage loan? Or car loan? Please look into this and that appreciate your help in this matter. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, At XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-05-27 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-05-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I AM VICITM OF AN IDENTITY THEFT, AND EVERY TIME I CONTACT WELLS FARGO AND I TELL THEM I AM VICITM THEY ASK ME TO SEND TO THEM MY IDENTITY THEFT STATEMENT ALONG WITH A STATEMENT FROM ME EXPLAINING MY SITUATION, SAME THING WITH XXXX, THEY ASK ME TO SEND THEM MY IDENTITY THEFT REPORT, ALONG WITH MY SOCIAL SECURITY CARD AND DRIVER LICENSE, THEY PROBABLY HAVE OVER 20 COPIES  OF ALL THEIR REQUIRED INFORMATION, AND THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT.

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 2020-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient provided incoherent response to my previous complaint. 

Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. Our records confirm that your Income Based Repayment ( IBR ) renewal was processed on XX/XX/2020 ; however, in response to the impact of COVID-19, on Friday, XX/XX/2020, President Trump announced that the U.S. Department of Education ( ED ) will waive interest on all federally held student loans and automatically postpone payments through XX/XX/2020. Your interest rates have been reduced to 0.00 percent during this period. Interest that accrued prior to the suspension will remain your responsibility. During this time, no payment will be due. This forbearance will not count against your voluntary forbearance time. Although you will not be required to make monthly payments during this specific administrative forbearance period, payments you would have been required to make under IBR through XX/XX/2020 will count toward loan forgiveness provided all other qualifying factors are met. If you choose to make payments during the administrative forbearance period, you may do so ; however, youll need to make those payments manually ( not through auto debit ). Well communicate with you in XXXX to help prepare you for XX/XX/2020, when the 0.00 percent interest rates and administrative forbearance period ends. Theres no other action needed, unless you want to opt out of the administrative forbearance weve placed on the account. If you want to opt out, well remove the administrative forbearance and youll be required to make monthly payments. The 0.00 percent interest rates will remain in effect, will not be charged interest through XX/XX/2020, whether the forbearance remains in effect or not. 

Navient unilaterally assumed I did not want to start making payments on my IBR plan. Their assumptions ARE INCORRECT. 

SEND IBR PAYMENT AMOUNT DUE NOW!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - CBE Group keeps reporting lates erroneously on my credit report and I have never received a notice for any of these collections. We have health insurance, and do not owe this debt. These need accounts need to be removed from my credit report immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$1700.00} XXXX XXXX {$350.00} XXXX XXXX XXXX {$460.00} XXXX XXXX {$800.00} XXXX   XXXX {$3000.00} XXXX   XXXX {$4000.00} XXXX XXXX {$9900.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$570.00} XXXX XXXX {$2000.00}

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 2020-05-27 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: OH

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX {$1700.00} XXXX XXXX {$350.00} XXXX  XXXX XXXX {$460.00} XXXX XXXX {$800.00} XXXX   XXXX {$3000.00} XXXX   XXXX {$4000.00} XXXX XXXX {$9900.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$570.00} XXXX XXXX {$2000.00}

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 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Hello, SLS Mortgage has raised our payment by {$370.00} during COVID19. We have repeatedly asked for escrow analysis since they have made a huge mistake. We have never missed a payment, the loan was sold 4 times, and somehow they claim we are {$6000.00} short yet our taxes, insurance have barely changed. 
We also requested that they remove escrow due to the mismanagement and lack of communication, and difficulty we have getting any help about our loan and getting escrow analyzed. 
They denied escrow removal because they said we had a late payment in XX/XX/2020, however we were on forebearance for one month and we were promised that no payments would be deemed late during COVID19 Forebearence. 
I have called 5 times XXXXnd I keep getting hung up on by agents who can not answer my questions. They say they do not see the record of us being on forebearance for COVID19 and therefore the payment was deemed late. I have it in writing.

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 2020-05-27 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: NY

Complaint narrative:
These accounts and inquires I am stating I had nothing to do with.

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 2020-05-27 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outragous amount of accounts that have been open or are ope. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BNKRUPTCY DISSMISSED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I was paying HRRG the collection agency payments but turns out they are fake and XXXX are the ones that were handling my debt but they had the wrong address for me so I never received anything from them but instead I received information from HRRG

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts and inquires I am stating I had nothing to do with.

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 2020-05-27 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: NY

Complaint narrative:
These accounts and inquires I am stating I had nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-05-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I AM VICITM OF AN IDENTITY THEFT, AND EVERY TIME I CONTACT WELLS FARGO AND I TELL THEM I AM VICITM THEY ASK ME TO SEND TO THEM MY IDENTITY THEFT STATEMENT ALONG WITH A STATEMENT FROM ME EXPLAINING MY SITUATION, SAME THING WITH XXXX, THEY ASK ME TO SEND THEM MY IDENTITY THEFT REPORT, ALONG WITH MY SOCIAL SECURITY CARD AND DRIVER LICENSE, THEY PROBABLY HAVE OVER 20 COPIES OF ALL THEIR REQUIRED INFORMATION, AND THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT.

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 2020-05-27 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: CA

Complaint narrative:
I AM VICITM OF AN IDENTITY THEFT, AND EVERY TIME I CONTACT XXXX XXXX AND I TELL THEM I AM VICITM THEY ASK ME TO SEND TO THEM MY IDENTITY THEFT STATEMENT ALONG WITH A STATEMENT FROM ME EXPLAINING MY SITUATION, SAME THING WITH EQUIFAX, THEY ASK ME TO SEND THEM MY IDENTITY THEFT REPORT, ALONG WITH MY SOCIAL SECURITY CARD AND DRIVER LICENSE, THEY PROBABLY HAVE OVER 20 COPIES OF ALL THEIR REQUIRED INFORMATION, AND THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT.

Company response to consumer: Closed with explanation