vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 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:
XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please delete these accounts from my report. 

XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-02-07 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:
XXXX XXXX  sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please delete these accounts from my report. 

XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX I tried disputing these on my credit report with Experian and XXXX XXXX but they didnt come if they said it was accurate but its not these accounts were opened fraudulently in my name

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 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
I closed on a refi on XX/XX/2020. 

My previous servicer was supposed to issue my escrow refund check within 10 business days. 

I called in on the 12th business day ( Monday - XX/XX/2020 ) and found out they had not issued the check for my escrow refund ( the amount was about {$3000.00} ). I asked them to issue the check that day, they said they would. 

I asked them to overnight the check to me because they were late issuing the check and wanted to the money timely and securely. They refused. 

One Friday ( XX/XX/2020 ) I had not received the check. I called the servicer back and asked about the check. They told me had been issued and sent on Monday. 

I told them i had not received the check as of yet and that seemed odd ( 5 business days to receive a letter ). 

I asked them to cancel and reissue the check and send it overnight mail. The servicer refused. They said I had to wait 10 business days before they could cancel and reissue, and that when they did, they would not ( absolutely refused ) to send the check overnight or with a tracking number. 

The person that gave me this information was named XXXX ( agent # XXXX ), she claimed to be a manager - i asked to speak to manager twice and was first transfer ( after 15 min ) to a non-manager ( XXXX ), and then put back on hold to speak to a manager ( 15 min later ). 

After speaking to XXXX I asked to speak to a manager and was told they were not available but that I would get a call back. 

I have not received that call.

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 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Transworld Collections constantly calls ( XXXX ) XXXX attempting to collect a debt from someone named XXXX XXXX. We have told them repeatedly that no XXXX XXXX at this address or phone number. We have been told repeatedly they would remove our phone # from their database, but they have called 3 times JUST THIS WEEK. This has been our phone # for 7 months and we have received no less than 2 dozen calls from this company no matter how many times we tell them we do not know XXXX XXXX or how many times they tell us they will stop calling us, they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WLCC
State: NV

Complaint narrative:
I got a wage garnishment through work without being notified and I don't live in the state in which the company is based nor did they inform me that they were going to garnish my wages. The company that says that I owe them money is XXXX  XXXX  XXXX through Apex Servicing and I don't have any accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
This credit union is offering rates and " customized '' quotes on their website, but the actual rates and lender fees are significantly higher than offered, and what the website prompts you to apply for. The loan officer had no explanation for why the actual rates are .25-50 higher, plus discount points added. 

The credit union adversely impacted my credit rating by inquiring to the credit bureaus under the false pretenses of offering a rate and closing fees that they were not willing to lend at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
Monthly payment {$100.00} OpenedXX/XX/2019 ( 11 mos ) 2019 Last payment XX/XX/2019 Current Payment Status 120-149 Days Late Amount past due {$520.00} Worst Payment Status 120-149 Days Late I have contacted the creditor multiple times and tried to explain my financial situation in regaurds the missed and late payments. Time and time again i've gotten no sympathy and negative remarks have been left on my consumer 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 2020-02-07 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:
My car broke down and I needed a new car to get to work and back home. I went to the dealership to shop around for a car. Before I could make any purchase I had to get my credit report pulled. While they pulled my report I was told that I would have a high interest rate due to multiple things listed on my report that did not belong to me. Could these items listed below please be removed from my report. 

COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$67.00} COLLECTIONS XXXX , XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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've reached out to Equifax several times regarding the inaccurate information on my credit report. I was instructed to provide Equifax an fraud FTC affidavit which I've done. I disputed an Item now 5 times since XX/XX/XXXX and everyday I'm been giving the run around from Equifax office of consumer affairs. 

I asked the office of consumer affairs several times for a supervisor or a manger when the call isn't going well and every single time I've been denied a right to escalate the call to a manager or supervisor. They continue to give poor customer service and talk and deal with you in a very rude manner. 

Also Equifax has blocked my online access to log on my credit report and to dispute or check the dispute status online. I feel discriminated and feel like my rights are constantly violated from Equifax. 

I've attached my FTC affidavit to this complaint for record. 

The following items are result of ID Theft : 1. XXXX XXXX 2. XXXX  ( Inquiry ) 3.  XXXX ( Inquiry ) 4. XXXX ( Inquiry ) 5.XXXX XXXX ( Inquiry ) 6.XXXX XXXX ( Inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have used the XXXX website to obtain my XXXX  and XXXX   reports for years but Equifax is unwilling to provide my report to me. I have answered everything correctly online multiple times to request this and they respond saying I may mail in a form that contains my social security number, and other highly personal sensitive information like a XXXX and payslip. This is a ripe opportunity for identity fraud and I can not mail this in. Two people in my area have had their mail stolen, one of which was the victim of identity fraud. Please, I am seeking help accessing the data this institution is collecting about me- my credit report. I greatly appreciate your assistance. Thank you. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: NC

Complaint narrative:
1. Please furnish the name of the original creditor ; Please furnish the address and phone number of the original creditor. 
2. Please furnish the name of the person who verified the dispute with the original creditor ; 3. Please furnish a copy of the original contract showing my social security number to prevent identity theft and state under penalty of perjury that your client is the party in interest of the contract and will produce the original for my own and a judge 's inspection should there be, trial to contest these matters ; and 4. Please produce account and the ledger Statement showing the full accounting of the alleged obligation you are now attempting to collect. 

5. Please furnish the license of the person collecting on the debt. 
6. Please furnish the cusip information for the application. 

Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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:
My car broke down and I needed a new car to get to work and back home. I went to the dealership to shop around for a car. Before I could make any purchase I had to get my credit report pulled. While they pulled my report I was told that I would have a high interest rate due to multiple things listed on my report that did not belong to me. Could these items listed below please be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$67.00} XXXX XXXXXXXX XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-02-07 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:
My car broke down and I needed a new car to get to work and back home. I went to the dealership to shop around for a car. Before I could make any purchase I had to get my credit report pulled. While they pulled my report I was told that I would have a high interest rate due to multiple things listed on my report that did not belong to me. Could these items listed below please be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
currently the interest is too high on my loan and the more i pay it seems the money will not go down and i am very overwhelmed by it. i currently do not have dates bu the interest rates from XXXX % on both privates loans i have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was informed to contact Capital One in reference to hardship programs offered due to me being injured and under workman compensation for 6 months. I requested the interest be reduced to assist me with paying the CC bill on time each month. I was informed I could not be on a program such as that because my CC payment was not pass due at least 90 days. I informed the Supv. I have never had any 30 day late payment, I attempt to pay all bills from Capital One on time and I need relief with the interest. I was once again informed they could waive any late fees for the next 90 days. In an attempt to have the Supv. understand my hardship, I asked if they could at least assist with waiving the interest on XXXX 's bill in order for me to get back on track and not have to receive a 30 day late. I advised them my salary decreased and I truly need to be on a Capital One hardship program that can assist me since I have been with them for several years and have other credit card and auto loans that I pay on time as well. They were unwilling to assist stating I have a pass due amount. Indeed and explained that is why I called in seeking assistance. I was then asked if I wanted to close the account. This is what you state to a consumer who has a job related injury and needed assistance for a short period of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07 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: MI

Complaint narrative:
I have disputed three ( 3 ) accounts from XXXX XXXX more than three ( 3 ) times with Equifax, XXXX  and XXXX. These accounts are listed as : XXXX XXXX : {$580.00} XXXX XXXX : {$610.00} XXXX XXXX : {$400.00} XXXX XXXX is reporting this inaccurate information to all three credit bureaus. I have the right to a fair and accurate credit report,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: IL

Complaint narrative:
I went to bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I first learned that someone named XXXX from Peter Roberts & Associates was trying to locate me when he left a voicemail for my mother on her cell phone attempting to find contact information for me. I had not received any calls on my phone or letters regarding a debt from this company. On XX/XX/19, I received a call from ( XXXX ) XXXX and the person only identified himself by his name. His last name was unintelligible. He refused to state what his business was or where he was calling from when I asked. He kept asking to confirm my address and when I asked again what it was in regards to he would not state his business or where he was calling from, so I hung up. I am only aware the company name because I looked up the phone number. If it is an attempt to collect a debt, he did not disclose that at all. I am not confirming any of my personal contact information to someone I do not know that only identifies themselves as XXXX. His communication tactics are deceptive and the fact that he contacted my mother before contacting me is inappropriate and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC
State: TN

Complaint narrative:
Left very aggressive pre recorded voicemail threatening me to call them back before XXXX today or they would have to take further action. Gave no information on the debt they claim I owe, did not give the name of their company. 
Only left a call back number. When I called back I got the name of the company but then was disconnected when I began asking questions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was making a private purchase and the seller recommended XXXX. After agreeing to pay half so he could ship the product and the other half after product receipt, I submitted payment for half totaling XXXX ( XXXX on XX/XX/2020 and XXXX on XX/XX/2020 ). 

After payment was received by the seller, I became aware that it was a potential scam and that I wanted my money back. I have not heard from the seller since. 

Bank said that they could not help, as I authorized the payments through 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 2020-02-07 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
When I tried to get a new mortgage, I was informed that my credit score was  adversely low because Nissan Motor Acceptance Corporation reported a late payment of >30 days on our 0 % interest loan. 

There are 2 issues : 1 ) Since NMAC 's autopay function ( how the loan was being paid ) had an internal limitation of 5 years, but the loan term was 6 years, payments we authorized were not automatically pulled. The contact by NMC through spam-like email and calls did not register as necessary actions since we knew the account was on autopay ( in fairness - we did overlook some of the attempted communications ). By the time we figured out the problem, we quickly paid the balance, and the penalties to bring the account current - as it now shows. We contacted NMC to have them update the 3 credit bureaus with Paid as Agreed. They refused to do this, despite 5 years of perfect  payment, and resolution of the outstanding balance. They were not at all understanding of people ignoring emails and voicemails from a company that also happens to send relentless sales communications. We would like our credit scores updates with Paid as Agreed since everything is now current and fixed, due a misunderstanding stemming from their internal system limitations. 

2 ) How can a credit score for someone with significant net worth be so severely impacted by a {$160.00} payment being late for just over a month ON A ZERO %  INTEREST LOAN!!!! Seriously ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: MI

Complaint narrative:
I have disputed three ( 3 ) accounts from XXXX XXXX more than three ( 3 ) times with XXXX, XXXX  and Transunion. These accounts are listed as : XXXX XXXX : {$580.00} XXXX XXXX : {$610.00} XXXX XXXX : {$400.00} XXXX XXXX is reporting this inaccurate information to all three credit bureaus. I have the right to a fair and accurate credit 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