vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am making payments towards Public Service Loan Forgiveness ( PSLF ) on my federal loans, and my loan servicer is XXXX  XXXX. I have submitted Employment Certification forms twice per years, which then initiates a count of the current number of qualifying payments. 

XXXX has not correctly counted the number of qualifying payments I have made on some of my loans. In XX/XX/XXXX I requested an official recount of the number of qualifying payments for all of my loans. I was told this process would take up to 120 days. 

It is now the end of XX/XX/XXXX and I have yet to receive a recount of my qualifying payments. I have contacted XXXX several times about this issue. My latest contact was today, XX/XX/XXXX, and I was now told there is no estimate for the amount of time it will take to recount my number of qualifying payments. 

I am requesting the CFPB to hold XXXX accountable to complete a recount of the number of qualifying payments I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good morning : 1 ) I sent the same letter XX/XX/XXXX, to TransUnion, XXXX and XXXX asking for correction to my credit report that was NEVER accurate to start with. I asked for my THIRTEEN years employment with XXXX XXXX XXXX in XXXX XXXX  to be on my credit report. As per copy enclosed I was employed by the XXXX  from XX/XX/XXXX to XX/XX/XXXX WHEN I RETIRED. 
I also asked for address correction, this was NEVER done either. 
2 ) I received a response from XXXX, telling me : " We are unable to locate a credit file in our database with the identification information you provided ''. So, whose credit score am getting??? 
I received a credit report from TransUnion -which I did NOT asked for- totally erroneous. TransUnion is listing an XXXX XXXX Credit card that does NOT belong to me. They also list a XXXX, XXXX address in XXXX, when I moved out of XXXX in XXXX and NEVER went back. Last but not least, they have me currently employed by the XXXX, when I retired 8 years ago??? 
As for XXXX, they did NOT respond at all. 
I only asked for my free credit report once, in XXXX, and gave up because all three bureaus provided completely erroneous reports. 
So, whose credit score am I getting each year with totally false credit reports? I haven't taken a loan in 30 years, my XXXX   XXXX XXXX XXXX, XXXX and XXXX XXXX have ALWAYS been paid before due : I should have a stellar credit score. 
I'm asking for all 3 bureaus. to please clean up AND complete all 3 credit reports so I may finally receive this year a correct credit report and credit score.

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 2018-08-31 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: OH

Complaint narrative:
Sent several letters out to XXXX, XXXX and Transunion about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to XXXX, XXXX   and Transunion asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.

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 2018-08-31 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: OH

Complaint narrative:
Sent several letters out to XXXX, Equifax and XXXX about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to XXXX, Equifax and XXXX asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am having issues with my mail being send to out dated addresses. I finally pulled my credit report and found information that doesn't even belong to me on my report. please remove the following addresses they are not mine : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX My current and only address should be XXXX XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am having issues with my mail being send to out dated addresses. I finally pulled my credit report and found information that doesn't even belong to me on my report. please remove the following addresses they are not mine : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX My current and only address should be 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 2018-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover financial services {$750.00} Opened XX/XX/XXXX Closed XX/XX/XXXX Discover financial services XXXX XXXX XXXX XXXX de XXXX XXXX XXXX XXXX Im noticing this is still on my credit report when i reported to them i never even recieved a credit card from them. Someone had stolen my information. Thia debt is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a Home Project Loan with Wells Fargo. I have paid on time and in excess of the amounts due yet Wells insists on charging late fees. I was charged {$27.00} on XX/XX/XXXX ; {$38.00} on on XX/XX/XXXX; and {$1.00} on XX/XX/XXXX. Again, all while paying in advance of amounts due and in advance of due dates.

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 2018-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX XXXX XXXX, at my direction wired {$4500.00} dollars to a supposed company in XXXX XXXX, who used Wells Fargo bank as the depository. One last call to the XXXX XXXX police department alerted me to the fact that this company was fraudulent. 

An immediate call from me to XXXX was made to either stop or rescind the wire transfer. XXXX immediately issued a message to Wells Fargo to withdraw the wire transfer, providing Wells Fargo ample time to to follow the directive from XXXX to rescind. This entire send/rescind episode happened within approximately 72 minutes. 

Wells Fargo ignored the XXXX request and allowed the perpetrator to withdraw the money, it is believed several hours later, knowing that the entire incident was possibly a scam, which would have allowed the XXXX XXXX Police Department time to investigate the matter further which they were more than willing to help, according to the investigating officer, immediately.

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 2018-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Shindler Law Firm
State: IL

Complaint narrative:
The collection agency Shindler and XXXX is refusing to release the levy it placed on my bank accounts. I am currently under XXXX XXXX bankruptcy that is current and active. Below are the details of communication between myself, my attorney ( XXXX XXXX ), and XXXX and XXXX. XX/XX/XXXX - Shindler and XXXX Levied accounts XX/XX/XXXXXXXX - I contacted XXXX & XXXX and spoke with XXXX XXXXand informed them of my bankruptcy. I requested that they release the levy on my bank accounts. They informed me to have my attorney fax them my bankruptcy filing. XX/XX/XXXX XXXX XXXX- My attorney faxed XXXX & XXXX my bankruptcy filing. XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX to inquire as to the status of the requested release. I was informed that attorney XXXX XXXX is reviewing my file and would be informed the next day for status. XX/XX/XXXX - No Contact from XXXX & XXXX regarding status. XX/XX/XXXXXXXX - Contacted XXXX XXXX XXXX to inquire about the status of release. I was informed by XXXX XXXX that my attorney needed to contact them regarding my case. 8.30.2018 XXXX Contact XXXX XXXX to address the matter. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX & J and was put on hold for an hour with no response. XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX  regarding release. No response.XX/XX/XXXX XXXX - Contacted XXXX XXXX XXXX and was put on hold for 5mins with no answer. XXXX XXXX - Contacted XXXX XXXX XXXX and was informed by XXXX XXXX XXXX have my attorney contact them.

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 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Flagship Financial Group
State: FL

Complaint narrative:
this involves a timeshare. After speaking to a commercial lawyer I was advised that their tactics to have me buy the timeshare in 2014 were illegal and in violation of consumer laws. I further asked them for help to sell or transfer the timeshare and they refused. I in turn refused to pay the mortgage and they said it was breach of contract and I welcomed the legal action because : they called my sister in law and my sister and called saying I or my wife needed to call them because we we defaulting on our mortgage. These family members presumed it was our house. It is not and they have no right to contact them and disclose the nature of the debt, just how to reach us.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-31 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 — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: IL

Complaint narrative:
Registered prior to an account at CreditKarma.com. Claims to be a FREE credit SCORE site. Reset my password yesterday XX/XX/XXXX. Site - Requested my social security number last 4 digits, birth date, address and name. Never been able to access my credit scores or log into the site since : it immediately and 24hrs later just fails to load/ gives a " too many redirects site not accessible. '' There is no telephone support so I emailed customer service via their website. The email reply from service received today XX/XX/XXXX then asked me to fill out the help form on the site. I did that - again there they ask for the prior details ( " in order to quickly access your account and get a faster response. '' ) Today I then get a further customer service email from that, saying we need you to email us c copy of your drivers license or state ID in order to further resolve your access to log in to get your score. I sent an email refusing to do so. 

I have since found on their website many complaints about the site being fraudulent/ asking for social security numbers in order to access info etc etc - yet never then providing it, website " broken. '' The Q & A has ZERO responses to many of the complaints filed by customers and instead the " replies '' were posts that I myself have never done, but were displaying my user name as a reply to the complaint with a generic technical answer that is some jargon on their website. This site is fraudulent. CFPB needs to be aware - since its seems to have good reviews on the XXXX XXXX - it is misleading. Please try and access the site for yourselves, register and verify this - as well as search and view the many complaints of fraud from other clients. It is very dangerous, since it seems legitimate - and it requests and is therefore getting very sensitive client information including state IDs. licenses, birth dates, full addresses, emails etc etc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: NC

Complaint narrative:
A couple of moths ago I decided to check into my credit report after watching a show on the television describing how important credit was. Upon checking, I found that there was three ( 3 ) credit items which didnt belong to me and a bunch of inquiries. Instantly I began to freak out, thinking that my whole world had ended before it started! I then contacted experian, XXXX and XXXX XXXX advising them that the accounts for XXXX XXXX XXXX  ( opened XX/XX/XXXX ), Swiss colony ( opened XX/XX/XXXX ), and XXXX ( opened XX/XX/XXXX ) were indeed fraudulent accounts. They then advised me that they would investigate the said accounts and let me know the outcome of the dispute. About twenty five ( 25 ) days later, I got a notice from them advising me that the said accounts were verified as indeed mine and there for accurate. I knew at that moment that my identity was indeed compromised!! Ive also tried ( unsuccessfully ) to dispute these accounts with the originator of the accounts. Ive asked the agencies as well as the creditors to supply me with the original signed applications, showing my true blood and bone human signature as proof that Im responsible for those accounts. I have not received those documents, meanwhile my credit is suffering and handicapping me from exercising my right of life, liberty and the pursuit of happiness.

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 2018-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
Enhanced recovery company {$970.00} Opened XX/XX/XXXX Last reported XX/XX/XXXX Enhaced recovery company XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX I have no idea what this debit is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
on XX/XX/2018 i sent a letter to capital one requesting them to verify my signature on the item that they say i owe $ XXXX.i haven't heard anything regarding this item that is damaging my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX {$9700.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX I was the cosignor on this account to help someone obtain a vehicle. The vehicle was repossessed. The primary signee tried to make attempts to get low payments the company refused.

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 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: WA

Complaint narrative:
Wrote a billpay check for XXXX dollars. They are refusing to credit me expeditiously for a lost payment they didn't deliver.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: DISCOVER BANK
State: MS

Complaint narrative:
on XX/XX/2018 i sent a letter to XXXX  XXXX requesting them to verify my signature on the item that they say i owe $ XXXX haven't heard anything regarding this item that is damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: NCB Management Services Inc.
State: MS

Complaint narrative:
on XX/XX/2018 i sent a letter to XXXX XXXX requesting them to verify my signature on the item that they say i owe $ XXXX.i haven't heard anything regarding this item that is damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
i am writing because i have sent regions bank on XX/XX/2018, 2 different letters asking them to verify the accounts that i am responding to concerning these accounts.By law, they have 30 days to respond before they violate the law.these negative items are damaging my credit and causing me great grief.

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 2018-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LAW OFFICE OF JOHN E. LINDNER P.A.
State: MD

Complaint narrative:
I received a letter from the Law Office of John E. Lindner in XX/XX/2018 threatening to sue me on behalf of XXXX XXXX XXXX XXXX XXXX over debts of which I had no knowledge. The total amount of the claim was {$2000.00} and cited various charges over a three-year period. While I was working to resolve the billing issues with XXXX and my insurance company, the debt collector filed suit and set a court date. Between my insurance and myself, the majority of the debt was paid. However, my insurance advised me that they do not see any reason I would owe the additional amount. I wrote the debt collector, including proof of payment for the debts that my insurance company found to be legitimate, and requested details on the other debts. Given the billing issues I had already experienced with XXXX and the fact that I never received a bill in that amount and my insurance company does not show a copay in that amount, I need proof that this is a legitimate claim. The debt collector did not provide details on the claim in a timely manner and continued with the law suit knowing that the debt was being addressed. When I called the debt collector the Friday prior to the scheduled court date, the debt collector refused to cancel the court date and law suit despite a major portion of the debt having been paid and them failing to provide details on the additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc.
State: MS

Complaint narrative:
VKI - VALENTINE & KEBARTAS XXXX XXXX XXXX XXXX, Massachusetts Has called multiple times from different phone numbers. They have now started contacting family members which is very unprofessional. They have used XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX. They have called almost over complete 30 days of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation