vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
According to the fair credit reporting act ( hereafter referred to a FCRA section 609 ( a ) ( I ) ( a ), company is required to verify debt in the original signed consumer contract - any and all account you post to credit report. Otherwise anyone paying for reporting services could fax, mail or email in a fraudulent account. Therefor I am demanding to see original consumer contract with signature you have on file to the account listed. Under FCRA unverified accounts must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I had a Second Mortgage with XXXX XXXX XXXX. In XX/XX/XXXX I fell behind, not making payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX., XX/XX/XXXX., XX/XX/XXXX. & XX/XX/XXXX. In XX/XX/XXXX I received a call from XXXX XXXX saying that the account had gone into collections. They wanted to know if I could settle the account, of course I didn't have the means. We agreed to a 2 year automatic bank draft commitment. The first payment in XX/XX/XXXX was for {$840.00} ; XX/XX/XXXX {$280.00} ; XX/XX/XXXX {$280.00} starting in XX/XX/XXXXthe payments would drop to the original monthly payment of {$150.00}. After the 2 years were up, I just continued allowing the payments to be withdrawn. In XX/XX/XXXX I contacted XXXX XXXX and stopped the monthly withdrawl because I felt XXXX didnt report the past 4 years correctly. 

At the beginning of XXXX XXXX reported to the credit bureau that the loan was charged off with a date of XX/XX/XXXX, so of course it appears I havent made any payments in over 4 years and the loan was recently charged off. I filed a dispute and they removed the charge off date as well as updated the balance on the loan but they added a closed date of XX/XX/XXXX. Hasnt this loan been closed since XX/XX/XXXX? 

My husbands credit report looks different than mine, his shows the payments for the last 4 years. These payments were made to XXXX XXXX who supposedly doesnt report to the credit bureau. If XXXX is a part of XXXX how could they write off the loan? I made up the 6 month delinquent payments in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. I think there are a lot of unanswered questions.

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 2019-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX we were approved for a loan modification. We were all set and ready to pay on this starting in XX/XX/XXXX. However, since XX/XX/XXXX ( this is when my wife had her XXXX ), she started having some balance and XXXX issues in XX/XX/XXXX/XX/XX/XXXX again and was not able to work much. This caused us not to be able to pay on the loan modification. I sent in new info and contacted SPS ( XXXX XXXX XXXX ) to see able moving/changing the payment dates and they said no. I also sent in new paperwork to see about getting a new trial/loan modification and they said no. 

I have tried again in XX/XX/XXXX and as soon as I sent the paperwork in, they declined this. 

We do not want to lose our home. The issues that my wife had from her XXXX, I would have thought they would have been more understanding, but they were not. 

We are wanting to do everything we can to not file BK. 

Thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Received a notification of pre-qualification from the company and applied for the loan. Accepted terms and signed a contract for repayment. During the review the company asked for my banking user name and password to access my bank account, stated that it was for drafting the repayment. After I added my banking info, the loan was declined. 
The company improperly requested my banking info to draft payments ( after I provided them with my paychecks, bank statements, XXXX ) and then declined my loan. 
I have never in life had to provide my bank user name and password and I feel this is an improper and intrusive lending practice for loans from this company. 

If the loan was declined, then none of my banking information should have been requested, especially not my user name and password. This is a poor practice and the company needs to be sanctioned for using these practices if a loan is declined. Pre-qualified or pre-approved, alike.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo was charging me a fee for " interest fee on cash advances '' on my credit card. I had never withdrawn or transferred cash from that account. The charges were incurred monthly, and were in the 30 dollar/ month range. 
When I complained, they said that an " overdraft protection advance '' was considered a cash advance and that I was being charged interest on that at 26.24 %. If the interest is 33. per month, at that percentage, that would mean I'd have approximately 1500 dollars in overdraft protection advances, which I certainly do not. Now, since I am overdrawn, they apply another fee every month, on top of my regular interest, and I fall deeper and deeper into debt.

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 2019-05-28 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:
Following inquiries are in my Trans Union report, but I never authorized this inquiries and applied credit companies. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX/XXXX Inquiry : 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 2019-05-28 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: CA

Complaint narrative:
There is fraud information on my account for my living situations. I have never lived at these addresses. I believe it is Identity theft.

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 2019-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX has sold our mortgage 3 x to serving companies that want full payment of arrears paid up front and we could not due at this point around {$400000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have visited XXXX XXXX, XXXX, for services in early XXXX. There was confusion with the payment method due to miscommunication between the hospital and myself. It resulted into collections last year XXXX. I have contacted the hostpital and cleared the debt on XX/XX/XXXX. 
I believe this information got stolen, now, I have received the attached letter on XX/XX/XXXX from a fake collection agency " Medical Revenue Service '' for {$45.00} ( for the service rendered one year ago on XX/XX/XXXX ). I have called the hospital on XX/XX/XXXX and confirmed that I don't owe any money. I have also called the number provided on the fake debt collection letter, the person on the phone was very rude and just wants my credit/debit card details. I don't think any legitimate collection company would behave like that. 
Can you please take action on this company? His name was XXXX and he asked me send proof of payment to the email address provided is XXXX or fax to XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Chance Collections, LLC
State: VA

Complaint narrative:
I have been contact repeatedly by this bill collector on a debt that is not owed. I have repeatedly told them to stop contacting me as well as asked for verification of the debt which then can not produce. I have been contacted by email on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX I have been contacted by phone : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: NV

Complaint narrative:
THIS HAS TO STOP! I HAVE SENT IN MY SOCIAL SECURITY CARD AND UTILITY BILL TWICE. I HAVE CONTACTED THE CREDIT CARD COMPANIES AND THEY CAN NOT PROVIDE ME WITH SIGNED CREDIT CARD AGREEMENT. THIS IS MY FINAL ATTEMPT BEFORE SEEKING COUNCIL. I HAVE SENT IN MY PROOF XX/XX/19 AND IT IS NOWXX/XX/19 AND STILL THERE IS INFORMATION THAT IS ERRONEOUS AND ADDRESSES THAT DO NOT BELONG TO ME. MY NAME IS NOT XXXX XXXX MY NAME IS XXXX XXXX XXXX XXXX XXXX, NEVADA. I DO NOT WILL NOT BE SENDING ANY THIRD PARTY COMPANIES MY DRIVERS LICENSE DUE TO HIGH FRAUD AND THEFT AMONGST AMERICANS. MY UTILITY BILL AND SOCIAL SECURITY CARD IS MORE THAN ENOUGH AND IT MEETS THE LIST OF DOCUMENTATIONS NEEDED TO CLEAN UP THIS MESS. NONE OF THE CREDITORS HAVE SENT ME A SIGNED CREDIT AGREEMENT. NONE OF THE CREDITORS HAVE STATEMENTS SHOWING XXXX XXXX. I HAVE STARTED CONTACTING LEGAL REPRESENTATIVE IF THIS LAST ATTEMPT IS NOT RESOLVED! EXPERIAN, XXXX  HAVE THE DISPUTES FROM MY PRIOR DISPUTES! I WILL NOT KEEP SENDING MY INFORMATION! FIX THE PROBLEM AND UPDATE MY CREDIT REPORT. BANKRUPTCIES DO NOT REPORT FULL SOCIAL SECURITY NUMBERS NOR DO THEY SEND INFORMATION TO THIRD PARTY COMPANIES NOR DO THEY MAIL OR GIVE INFORMATION OVER THE PHONE SO NOT ONLY SHOULD ANY OF THESE ACCOUNTS BE SHOWING ON MY CREDIT REPORT WHILE IN DISPUTE WHICH IS AGAINST THE FCRA LAW ACCORDING TO FCRA. THE BURDEN TO PROVE ACCOUNTS DO NOT BELONG TO CONSUMERS IT SHOULD BE THE CREDITOR. IF SOMEONE HAS BEEN IDENTITY THEFT THERE IS NO WAY FOR CONSUMER TO GIVE PROVIDE ANY DOCUMENTATION TO ANYONE. REMOVE THE BANKRUPTCIES AND ALL THE ERRONEOUS ACCOUNTS THAT FALL UNDER THEM : XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX ACCOUNT FROM XXXX, XXXX XXXX, XXXX, XXXX/XXXX  WHICH IS TWO ACCOUNTS ON THE REPORT, TARGET ALL THESE ACCOUNTS ARE UNDER A XXXX XXXX. I AM 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 2019-05-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Following inquiries are in my Equifax credit report, but I never authorized these inquiries and applied before. 

XXXX XXXX XXXX XXXX , XXXX.- Inquiry : XX/XX/XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX.- Inquiry : XXXX XXXX XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry : XX/XX/XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX. 
Inquiry : XX/XX/XXXX Telephone Companies Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Apartments ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive sent 3 or more dispute letters to EXPERIAN regarding inaccurate information on my credit report in regards to XXXX XXXX BANK. XX/XX/XXXX thru XX/XX/XXXX. Ive sent a method of verification letter on XX/XX/XXXX also. They never complied with request, they only sent a credit report showing verified. Credit report # XXXX was the last report I received from Experian. This report shows verified, however doesnt indicate who they verified this debt with. Ive tried to reach out to XXXX XXXX bank, however was advised account no longer being service by XXXX XXXX bank. I was given phone number XXXX. Ive tried calling that number, without success and, not sure who Im calling, because while waiting for someone to answer, the recording isnt clear. I have also reached out to XXXX XXXX XXXX, which on my Experian report indicates this account was sold to them. They advised they sent updated information to all 3 credit bureaus. XXXX   and XXXX deleted the account from My credit reports already.

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 2019-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The company claims verification of an item on my credit report. I sent letter on XX/XX/19 requesting they provide documentation associated with the account, bearing my signature. I also requested name, address and phone number of each person who personally verified the account. I do not agree to XXXX or any means of automated verification. I am requesting description of procedure to determine accuracy in compliance with The Fair Credit Reporting Act. Also, states item was reported by US Bankruptcy court. The US Bankruptcy court does not report to credit bureaus. I formally request that this information be immediately deleted form the file you maintain under my social security number. I have not received an answer to date of filing this complaint.

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 2019-05-28 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: CA

Complaint narrative:
I have a loan through Navient and I am unable to pay it because they do not have my correct birth date. I can not log in because I have to validate who I am and it doesn't have my correct information. I've tried to call so many times over the past couple of years and they tell me they can't even talk to me because they can't verify who I am. They just keep pushing my account into forbearance and I keep gaining more debt from interest and ruining my credit. I've been trying to fix this for so long and I'm feeling completely hopeless now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
Looks like a zombie debt purchase. They are trying to collect for a subscription to a water service which we did not have, and certainly did not authorize at the time of the collection date. I requested proof of debt, I've never received it because the debt is older than what they state it is. I disputed the debt a long time ago ; they just rubber stamped it as valid without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
My father passed away toward the end of XXXX. I was still in possession of his truck at the time. There was an outstanding auto loan for the vehicle with BBVA Compass. In early XX/XX/XXXX, I called the bank to get the total amount outstanding. I was transferred to several departments ( auto loans, marketing, default, probate, etc ) prior to finally finding an individual to give the entire amount due, including interest and fees. I asked if I could take the payment in to a local branch and was told it would not be accepted. I was advised the check could only be accepted by the probate department by mail. I wrote check XXXX on XX/XX/XXXX and sent it via XXXX Priority Mail. The check cleared XX/XX/XXXX. I awaited the title but it never came. On Saturday, XX/XX/XXXX, my wife and I had to leave town to attend the funeral of a beloved family member. A close friend agreed to stay at our home to watch our XXXX year old son while we were out of town. At approximately XXXX, my friend heard " a loud crash '' and ran outside to see the truck being repossessed by a local towing company. She panicked and asked him to stop because the owner wasn't home. She was told she could get nothing out of the car, but pleaded with the driver and was allowed to get my son 's car seat. The driver told her to inform us to call the bank. Because I live in a small middle-class subdivision, several people witnessed the commotion. As I was sitting inside the church over two hours away from home during the funeral service my wife and I received a text message from the friend advising what just happened. We were horrified and completely humiliated. By the time we returned home, the friend was able to provide details of the event and give me the name of the tow company. I waited until Monday to take my wife to work so i could use her car to visit a local branch of the bank to advise of what happened. They were initially unable to get any information and was told they would call me. Several hours later, I received a call from what I assume was at minimum a state-level individual stating he was directed by his boss to return the truck. The towing company returned the truck to my home later that evening along with my possessions that had been placed into a trash bag. I suffered a very public humiliation in front of friends and neighbors due to a wrongful repossession. To make matters worse, I have still not received the vehicle title.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 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: NJ

Complaint narrative:
I wrote a letter to Transunion in regards to unverified and unauthorized inquiries that they are reporting on my credit report. They have failed to remove these erroneous inquiries from my report that are dating back to XX/XX/2017. I've also tried to call via phone to explain that these inquiries where impermissible and I asked that they DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

I got a letter in response to this as if i asked for inquiry explanation. 

They respond via mail " Ref : Explanation of the Inquiries on your Credit Report '' This isn't a through investigation of the issue. I didn't ask for explanation of Inquiries.

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 2019-05-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I leased a vehicle from XXXX in XX/XX/XXXX, jointly with my daughter. In XX/XX/XXXX we turned the vehicle in early directly to a dealer, and received the Turned In Completed paperwork on XXXX. We knew there would be an amount owed and the dealership said that we would receive a letter stating the balance owed. We didn't receive this letter until XXXX and paid the balance due immediately. In early XX/XX/XXXX I saw that my Experian credit score dropped from XXXX to XXXX and found it is because the XXXX tradeline does show paid per obligation but ALSO shows late payments in XX/XX/XXXX and XX/XX/XXXX, totaling a 90-day late line item. XXXX also reports the same. I called XXXX and they state that they did not report late payments to the credit bureaus and there is nothing they can do for me. I disputed online with both XXXX and Experian. XXXX closed the dispute the same day I opened it and didn't even look into it. My daughter 's ( joint borrower ) credit report tradeline for the same leased vehicle has been reported accurately with no negative/late payments and is closed correctly, paid as agreed. I have attached the snapshot of her credit report showing it reported properly. How can mine be 90 days late and hers paid as agreed on a joint 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 non-monetary relief