vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 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: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems reported a debt from a Payday loan company, 12 XXXX XXXX XXXX  for XXXX dollars on XX/XX/2019 to all the credit bureaus. I was never notified of this debt and I don't know anything about it. No information about the original debt was included with the credit bureau and I was never notified in writing about this debt. Midwest Recovery Systems. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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 2019-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Accounts are reporting on my credit reports that are incorrect XXXX XXXX  XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This complaint is regarding my Business American Express card, which was opened in early XX/XX/XXXXand was paid every month on time with no late payments since opening and almost always the full balance paid each month. This account was opened originally for a new business with zero historical revenue. The credit limit was slowly raised over the first two years. A credit limit increase was requested in XX/XX/XXXX from {$55000.00} to {$75000.00} after reaching {$1.00} million in annual business revenue. American Express then DECREASED the credit limit from {$55000.00} to {$26000.00} despite dramatically increasing business revenue, on time payments for nearly 3 years, and financial reports to support all of these statements. I asked American Express to at least restore the previous credit limit, but they refused. 

This decision has unfairly and negatively impacted my growing and profitable business as well as causing harm to my personal and business credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have fallen behind on my payment on my American Express credit card due to a financial hardship. My husband is with the uniformed services and we relocated from XXXX XXXX to XXXX  under personnel orders in XX/XX/2019. On XX/XX/2019, we sustained a fire at the home we were renting in XXXX. This fire was caused by a faulty recessed light. We were displaced in hotels with our family and two dogs for weeks. The house was deemed not habitable and so we had to find another house to move to. We eventually secured another rental home to live and had to move all of our household items. This all caused an extreme financial hardship. 

Also, in XX/XX/2019, I found out about SCRA benefits that were available to us. I applied for the benefits from AmEx and they credited my account by XXXX in interest and fees and now the account would be on a zero-percent interest rate. 

I contacted AmEx to let them know about this new hardship of relocating across country and also sustaining the house fire. I requested that my $ XXXX/month payment be reduced, especially since the account was credited a large amount of money in XX/XX/XXXX. The CSR told me that my payment would actually go up to $ XXXX/month and could not be reduced.

I continued to try to catch up, even while going through this hardship. I made a payment of {$200.00} on XX/XX/XXXX. Another CSR told me if I could make at {$300.00} payment in XX/XX/XXXX, that I would only be one payment behind. I made a payment of {$300.00} on XX/XX/XXXX. AmEx sent my account to XXXX XXXX on XX/XX/XXXX. 

This is account is now under collections. 

Also, the collections agency is also contacting my husband and he is not on this account. I submitted a previous complaint with AmEx about my privacy issues and discussing my account with someone who is not on the account. They are still doing so through the collections agency. American Express did not keep my personal information secure and confidential. Instead, they used it as a collections tactic and shared it with an unauthorized person. 

I've attached my husband 's personnel orders, the fire incident report and the fire claim information with XXXX. 

I believe that AmEx is not trying to work with me due to the account now qualifying for SCRA benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, Transunion has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX XXXX never late XXXX/XXXX  XXXX never late XXXX   XXXX never late XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized

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 2019-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
Carrington Mortgage Services LLC is the loan service provider. XXXX XXXX holds the actual loan. Carrington can't tell me anything regarding my loan. I was told there's specific steps regarding foreclosure when an FHA loan is involved. But, yet, the customer service rep couldn't explain the process/steps. She said we can't go directly to liquidation, i.e. short sale or sheriff 's auction. Auction date is set. She couldn't tell me who set it. She refused to transfer me to underwriting. She then blamed me for not getting paperwork in. I informed her, that no one from the company until 1 month ago, had ever informed me that the " mortgage assistance '' paperwork was still required, even if I wasn't seeking mortgage assistance. She said it was my fault for not following directions.I asked to speak to a supervisor. I was denied. I asked to be transferred to underwriting. I was denied. I couldn't get any information from this person, other than to have them blame me. I was told that I didn't approve my realtor as a 3rd party authorization. However, when I log into my online account, it clearly shows that I authorized my realtor, along with my attorney. This company is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Fraud alert removal

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Fraud alert removal

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 2019-10-22 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Letters, personal documents were sent. As requested. By, a Credit Bureau never. 

Got an answer. Then after talking, to a person at. Credit bureau, said a photo copy of. Drivers license was never delivered. 

After, dispute was completed. Done. On the, phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I took a loan out on XX/XX/19 for {$1500.00}. While the high interest was disclosed, there was no amortization schedule to show how the loan was to be repaid, the amount of each payment, or the total that would be paid including interest if the loan was paid as scheduled. I tried to take a lesser amount than the offered {$1500.00}, but their system automatically sent {$1500.00}, even though I had only asked for {$800.00}. The bi-weekly payments are criminally large and set up in such a way as to try to get borrowers to take another draw and end up in a cycle of borrowing/constant repayment. As of XX/XX/19, I have paid approximately {$1000.00}, and I still owe {$1500.00}. I would not have taken this loan had everything been laid out clearly, so I could easily see how long it would take to repay and what my bi-weekly payment amounts ( which are not the same every time ) would be.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Loan was paid off on XX/XX/XXXX. Wells Fargo advised that escrow balance plus refund from overpayment of mortgage balance would be received by XX/XX/XXXX. So far nothing has been received from the company. 

Online account says that a check has been issued for {$3800.00} as of XX/XX/XXXX but that amount only includes funds from the escrow account. It does not include the amount overpaid in principle in interested ( estimated around {$1500.00} ). I was told that I would receive one check with both amounts. 

Additionally Wells Fargo continues to pay PMI on this loan after a payoff was received so my escrow balance has been reduced since loan closing.

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 2019-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Can not make payments, due to medical issues. Filed paperwork for deferment & the paperwork was never received by the company. Is not able to work, due to health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I initially called Chrysler Capital over a month ago about my loan being paid off. On every car statement I have received from Chrysler Capital shows a 'maturity date ' of XX/XX/2019. Chrysler Capital sent me a letter stating that my account was paid in full on XX/XX/2019, but they had placed a 'late payment ' notification on the primary borrower 's credit report. I called to dispute, as all the information I had on this showed this was an error. I called and spoke to XXXX first where she said that she would escalate the situation because she could not find a reason for that 'late payment ' to show up on the primary borrower 's credit report, she also advised that I had a refund that I was supposed to get as well, for {$220.00} as there was an overage and that I had not received my title either. Her supervisor reviewed my account while I was on the phone with her and the supervisor stated that it was a reporting error. I was also advised to call 'XXXX XXXX ' for my refund, but 'XXXX XXXX ' couldn't find me when I called, so I called back into Chrysler Capital to see what was going on with my account and then this issue was escalated after I spoke to a supervisor. She assured me that someone would call me on Monday XX/XX/19. Someone did call me, but she was extremely argumentative and promised she would look into the issue, review the recorded calls, and then she would follow up with me. Shockingly, she never followed up. I then called back in a day or so later and spoke with XXXX. XXXX assured me that this would be fixable and from what he saw on my account it was a reporting issue. He never followed up with me ... we are at about a week and a half of me working on these issues. No one has ever followed up with me, regardless of the multiple promises, I have been the one to call every other day for an update. As someone who has worked in the 'XXXX   XXXX ' department for another company, Chrysler Capital 's 'escalation ' process reeks of unprofessionalism. Yesterday, XX/XX/2019, I finally received a response from XXXX via the phone and now my, as I am the co-borrower on the loan, credit report has been updated by them to show the 'late payment ' now that I brought their error to their attention. They did this two months after Chrysler Capital told me my account was paid off and closed now. The resolution I am looking for, is for Chrysler Capital to remove the negative marks for the 'late payment ' on the primary borrower and co-borrower 's credit reports, due in large part to the conflicting information and previous promises by their management and 'executive complaint ' department, as well as get my refund. The only part of this escalation that has been resolved is that I have received my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The inquiries below I did not authorize. I have contacted the companies and was told I had to dispute with the credit report agencies. The below inquiries need to me removed. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Bank   XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX/XXXX   Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank

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 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I received written communication from lvnv funding llc in XX/XX/XXXX. Not recognizing the debt and certainly not accepting the amount, I disputed the debt in writing within 30 days. They responded with a breakdown showing the wrong amount and not accounting for it anywhere. They are attempting to collect a debt they can't even properly validate. I gave them 30 days to respond showing a breakdown of how they got the amount they did, but they never responded. I want it off my credit report since I consider that an attempt to collect a debt they could not validate the actual amount from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account below is not mines. I never received notification of this debt prior to being added to credit report which is against the law. I have disputed this with the collection company after it was added to report. I have also filed a formal complaint with the Attorney General of Florida. 


COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : 08 XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$31000.00} Highest Balance {$31000.00} Opened XX/XX/2018 ( 1 yr ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name 08 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