vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 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:
In XX/XX/2018 I submitted a dispute to XXXX, XXXX and Transunion regarding a credit card that was not mine ( XXXX XXXX Bank ). XXXX XXXX Bank in turn sent me paper work to declare the credit card was not mine. I signed the letter in dispute of the credit card that I indeed did apply for a XXXX XXXX Credit card but I never received the card in the mail and had no idea I was even approved. XXXX XXXX then sent me correspondence that they sent the credit card to my address and that validated that the card was mine. The credit card is mine but I never received the card due to possible mail delivery error which has happened in the past. I did not use this credit card nor do I owe XXXX XXXX bank any money. This account is showing negative on my 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
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XX/XX/2018 I submitted a dispute to Experian, XXXX and XXXX regarding a credit card that was not mine ( XXXX XXXX XXXX  ). XXXX XXXX XXXX in turn sent me paper work to declare the credit card was not mine. I signed the letter in dispute of the credit card that I indeed did apply for a XXXX XXXX Credit card but I never received the card in the mail and had no idea I was even approved. XXXX XXXX then sent me correspondence that they sent the credit card to my address and that validated that the card was mine. The credit card is mine but I never received the card due to possible mail delivery error which has happened in the past. I did not use this credit card nor do I owe XXXX XXXX XXXX any money. This account is showing negative on my 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
Consumer complaint received 2018-08-30 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: CA

Complaint narrative:
XX/XX/18 : Credit Inquiry fro unauthorized source. 

I checked my credit report today and saw a hard pull on an inquiry from a company called XXXX. From doing some research it's XXXX, but I didn't request a new credit card. I already have an account with them in good standing for over 5 years and never requested a new card or an account.

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 2018-08-30 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:
My monthly payment is on auto-debit. The payment increased last month due to a rise in interest rates. My administrator, Navient, sent no notice that this was going to happen so my bank charged an NSF fee. I contacted Navient and they explained to me that they are under no obligation to inform me of such a change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have a credit card debt that was sold to the collection company " Portfolio Recovery ''. They reported the original debt to the credit reporting agencies, but they also created a duplicate account by changing the original account number by a couple of digits. This created a fraudulent duplicate account that falsely doubled my balance and has the credit bureau 's erroneously showing two collection accounts instead of one for the same debt which is harming my credit score much worse than the single valid account. I called Portfolio Recovery to inform them so they could correct the mistake. Not only did they refuse to correct the blatant fraud, they said that even if I paid the account that was valid, they would only report that the collection was paid, still refusing to delete the false account. Apparently they believe they're above the law and that they're free to commit any crime that they please. Pursuing litigation now. Hopefully the appropriate regulatory agency will help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
I received a collection notice from professional claims bureau Inc. Claiming I owe them a debt the purchased from XXXX XXXX XXXX XXXX university XXXX XXXX date XXXX Now I want to be crystal clear I was never in that XXXX on that date is this some kind of scam let me know

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 2018-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I just found out XXXX XXXX reduced the credit limit of my XXXX card. Prior to this, I received no notification that this action had been taken, or an explanation as to why

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Stark Collection Agency, Inc.
State: WI

Complaint narrative:
I returned a call from the Stark Collection Agency. 

They asked for my birth date. 

I refuse to give either my Social Security number or Birth Date or  other personal information to an unknown agency. 

They would not provide information so that I could be sure the debt was mine. 

To my knowledge I have no outstanding or overdue debt and they would not provide information that would allow me to verify the debt. 

I asked that they not call my number if they can not provide me information that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: CA

Complaint narrative:
I am moving across the country and applying for apartments. I had placed freezes on my credit at all 3 agencies due to the EquiFax breach in XX/XX/XXXX. As I was removing the freezes ( XX/XX/XXXX-XX/XX/XXXX ), I was verifying my personal information. EquiFax had an old address listed as my current ( XX/XX/XXXX ). I inquired about how I can update it and EquiFax customer service instructed me to fax a utility bill, social security card, drivers licenses and cover sheet to XXXX. I was informed it would take 48hrs to process. I completed and recieved a fax confirmation on at XXXX PST on XX/XX/XXXX. I informed the apartment management company and they agreed to wait until XX/XX/XXXX to run their inquiry. I phoned EquiFax the morning of XX/XX/XXXX to ensure the address was updated. I was informed it was not and there were no documents uploaded to the system. I was on the phone with 8 different EquiFax representatives over the course of 3 hours and on one could help me. I was finally transferred to a manager, XXXX, who performed the same actions as the previous 7 EquiFax employees and, again, could not help me. I inquired about speaking to his supervisor and was told it was not possible and he proceeded to terminate the phone call, against my wishes, with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I ask that a manager simply review the notes in the file on just how many times underwriting has unnecessarily delayed the file by requesting documents already and file and even previously confirmed and documents completely irrelevant for example tax returns. I personally have explained the fact there are no tax returns because the borrower is retired and doesn't file a dozen times, there is even a letter of explanation on file. Something is requested, I explain via phone call, the person I speak to puts a note in the system to explain to underwriting, the request is squared away only to have something else come up the next week and the exact same process has to repeat again and again to the point of insanity. Just when it finally seems like the nightmare is over and I am told underwriting approved the file and the just need mortgage insurance to sign off ( even though there wasn't mortgage insurance on the last offer months ago when we got approval ... ) I find out today that they need a BPO because the one they have on file is expired. they state the bpo they have on file is from XX/XX/XXXX but I know for a fact a BPO was completed on the property on XX/XX/XXXX. The only way I can explain how this file has been reviewed and what ive had to deal with whilst negotiating the short sale is abuse. 

Read the notes, and one would see why this file is about to make me quit my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MD

Complaint narrative:
I contacted " Professional Bureau of Collections of Maryland '' and they were only willing to discuss payment. I then contacted " XXXX '' to resolved to problem and was told they no longer have any documentation on the account, the account has been sold, and they can not make any changes and/or corrections. The bill was approximately {$400.00}, which I've attached from 2013 and the amount the collection agency is trying to collection is extremely higher in the amount of {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: Westlake Services, LLC
State: FL

Complaint narrative:
I paid off my loan completely and they report 30 days late payments and we need this gone from my report the account is in 0 balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I saw an ad for student loan forgiveness for students of XXXX XXXX XXXX XXXX. I submitted contact info. ( phone number ). I received a few texts to call an XXXX number. I called eventually going over relevant information regarding my student debt. I regrettably gave my XXXX. I didnt have time to go much further with the questionnaire so i asked the man to email me the site. He said he would right then and then the phone got disconnected. I tried calling each number multiple times today but it always disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/2018 my cousin XXXX XXXX added me to 3 of his credit cards as an Authorized User since he was having difficulties making his payments on his card, in trade he allowed me to use the card and by doing so it would add to my credit history since I don't have a vast history on my credit report. 

My other cousins were added to the card and their information is reporting. I called each of these companies and they stated that they sent the bureaus my information for it to report but I'd have to call the bureaus. I called Experian on every number I could find for them and they have it where you can't talk to anyone no matter what you do. I don't believe it's fair that they can have this type of power of my ability to get financing and don't even have a way to speak to a human being, no fax number, only a mailing address that I don't want to lose all that time waiting on the mail. 

I've also asked them several times to remove any mailing addresses that weren't my main address but they insist on keeping them on. 

I also asked them to remove all the name variations with exception of my first name, middle, last name and suffix, they insist on several different name variations.

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 2018-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, I tried to make a payment of {$6000.00} to OCWEN to reinstate my home loan. I was informed by OCWEN that the property was sold on XX/XX/XXXX.. 

This was a grievous mistake on the part of the bank as the loan officer told me that I had until the end of the month, XX/XX/XXXX. 

This caused my great difficulty as I had to scramble to secure a new residence..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a Bank of America Rewards Card that I seldom use. I have had this card for more than 10 years and stopped using it regularly because of frequent credit limit decreases to right above the then existing balance. This has occurred twice during the time I have had the card with Bank of America. My credit limit has been {$5000.00} for several years. My payments are made on time and I have never been over the balance. My current balance is approximately {$2700.00}. Today, I received a notice that my credit limit has been again decreased to {$2800.00}. Just less that {$100.00} from my then exiting balance. They might as well have closed the card. This unfair and deceptive trade practice by Bank of America will cause my credit score to be artificially lowered because my credit profile will now show a credit card that has been " charged to the limit. '' B of A did this intentionally to harm my credit and punish me for not using its high interests fee laden card more frequently.

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 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: UT

Complaint narrative:
XXXX credit card. XXXX XXXX. Autopay bug. 

I had autopay for my monthly balance set up for the end of the month. I had a balance of {$9700.00} due. The autopay went through as planned. The next day they took out an additional {$9700.00}. A total of over $ XXXX. 

I then had overdraft on my other bills with it being the end of the month. I called to remedy this and they did not accept or tell me why there were XXXX payments only that I had called before. I had called before to confirm the balance amount only. 

XXXX, told me that it would take 10 days to return my money. I then asked to cancel the card and she told me that I would forfeit any benefit owed me for cash back offers. I then asked to speak with her supervisor but there was no one. She was the supervisor ... 

I was very kind and know she was not at fault personally, but this puts me without money at the end of the month, no overdraft remediation, my credit being impacted on my report, and a very long time on the phone.

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 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: WI

Complaint narrative:
The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX : Account Number : XXXX Creditor : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed 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 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
These XXXX accounts were opened without my authorization. Someone used my information to make purchases without my knowledge. I tried to contact the creditor to fix the problem and sent them documentation of the fraudulent accounts. They refuse to delete these from XXXX and this is causing me great amounts of stress. 

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 non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XX/XX/XXXX, {$810.00}, I checked my credit report and noticed a collection that was reported XX/XX/XXXX. I never received a letter or phone call from this company notifying me of a collection from almost XXXX years ago. I contacted the company and asked why I was not aware of the collection, they gave me a collection department phone number instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: WI

Complaint narrative:
The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation