vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 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: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am currently on a forbearance plan with HSBC till XX/XX/XXXX. On XX/XX/XXXX I applied to have my current forbearance balance moved to the end of my mortgage, and resume my monthly payment. I was told I don't have to pay anything till XX/XX/XXXX and I will stay in the current forbearance plan till XX/XX/XXXX. 

I received another wrong monthly statement on XX/XX/XXXX and called HSBC to confirm there is no payment due for XX/XX/XXXX but instead was told that my application for deferral payment was already approved, forbearance plan is ended right away and my monthly payment will resume on XX/XX/XXXX. I called multiple times and requested to speak with a supervisor but every person is giving me different information. According to the supervisor - XXXX, XXXX who I spoke to, my application is approved but the paper work is pending approval, at the same time I was required to make payments, without any written statement or notice. He continued to threat me that I have no choice but to believe him and all the conflicting information i received from talking to their representatives in the past week. 

There are three things I believe they did wrong 1. Ask me to make payment while document is pending approval, and no written statement or notice was given to me. Should i not call them voluntarily, they will start charging late fee and the collection process secretly. 
2. Each person is giving me different and conflicting information, even the same person had given me different answers after digging into the documents. There seem to be a mess in their handling of forbearance application. The forbearance documents are often wrong and not accessible online. I suspect this is not compliant with the regulations.

3. The assistant supervisor - Mr. XXXX, XXXX, said i had no choice on if i can continue my forbearance plan and they can make the unilateral decision to ask me to pay back, which i believe is blatantly against the latest care act that gave borrowers several options to repay the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/2020 Hunter Warfield added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill saying it is mine. According to the FCRA, Hunter WarField has violated my rights as a consumer and Im requesting legal action to remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: FL

Complaint narrative:
XXXX XXXX  was deleted then put back on my credit report proof enclosed once deleted you are not allowed to put back on 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 2020-09-09 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: CA

Complaint narrative:
The credit bureaus show late payments on my credit report from several creditors between the dates of XX/XX/XXXX and XX/XX/XXXX. I was serving on XXXX XXXX at that time, yet no matter who I contact ( at the credit reporting agency or the creditor ) none of these organizations have respected my rights under the SCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Sent in dispute letter on XX/XX/2020 to get name, inquiries and incorrect info verified and disputed but never received correspondence from bureau. Utility bill and identification was sent with paperwork for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus show late payments on my credit report from several creditors between the dates of XX/XX/XXXX and XX/XX/XXXX. I was serving on XXXX XXXX at that time, yet no matter who I contact ( at the credit reporting agency or the creditor ) none of these organizations have respected my rights under the SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: CA

Complaint narrative:
The credit bureaus show late payments on my credit report from several creditors between the dates of XX/XX/XXXX and XX/XX/XXXX. I was serving on XXXX XXXX at that time, yet no matter who I contact ( at the credit reporting agency or the creditor ) none of these organizations have respected my rights under the SCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sent in dispute letter on XX/XX/2020 to get name, inquiries and incorrect info verified and disputed but never received correspondence from bureau. Utility bill and identification was sent with paperwork for verification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Good day. I am having problems with AES. I went to XXXX  school and took out loans for that. Being a naive enthusiastic XXXX  student I did not realize what I was getting into with my school. My loans were from the school but now they are with AES. While I was in XXXX I was expected to pay on my loans and I did at times, but I could not afford the payments. I did get some deferment but the interest was accruing. Since graduation in XXXX, I have been consistently paying my loans, only missing a few months in between. I have paid a total of XXXX k into my student loans. The interest rate is a variable one and at one point was high as 11percent. I have tried to contact aes and get a lower interest rate, but I was always given an answer of no. Most of the XXXX I paid went to interest and late fees. I have also asked for a settlement amount and I was told again no. This year I have made consistent payments and have asked them to stop reporting negatively to the credit bureaus, but they were not able to help me. I tried to refinance my student loans with XXXX and XXXX and got rejected. My credit score has suffered due to them reporting to the bureau. I am not able to get a house or do anything because of this. My credit profile was recently pulled from a mortgage lender and I was told that it appears on my profile as if I have not made any payments to my loans since last year. I have proof of payments. All Im asking is that they work with me so my credit score can go up. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sent in dispute letter on XX/XX/2020 to get name, inquiries and incorrect info verified and disputed but never received correspondence from bureau. Utility bill and identification was sent with paperwork for verification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP Morgan Chase Bank. Is accusing me and my daughter of doing fraud with my credit card that I used to have. Chase close my credit cards and for an unauthorized transactions. the investigations where not conducted and processed with sustainable evidence. I Requested to see the evidences they have and never send me any prove. I request to have a copy of my rights as a client and they couldnt give it to me. When I ask if my credit card will be open they told me that it was deny and didnt allow me to have it back neither apply for a new credit card. My balance was almost ceros. Still they deny it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: SC

Complaint narrative:
Attempting to collect a debt not owed. I have never signed a service agreement with PMAB LLC. The debt in question was result of medical insurance balance that I was unaware existed. ( I have maintained health insurance coverage the entire time period in question. Once I was made aware of the discrepancy the balance was paid in full to the XXXX XXXX urgent care. I attempted multiple times to reach out to PMAB LLC and have this invalid credit remark removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MA

Complaint narrative:
Nexis Lexis is in violation of the Fair Credit Reporting Act ( FCRA ). I contacted Lexis Nexis to obtain a copy of my credit report. I tried obtaining this report on line, however, unlike the corporations who the company serves, deliberately, willfully and negligently is preventing me from obtaining a copy of the report. This is the second attempt of my trying to obtain this report. As a result I lost the opportunity of getting a job that would have paid me over 100,000 dollars per year. I have already sustained severe financial damages as a result of not being able to obtain this report. Nexis Lexis has a double standard, one for the consumer and one for it's clients, in which Nexis Lexis bars the consumer from being able to obtain a copy of the report by deliberately putting in road blocks. Today we tried to get the copy of the report, having waited weeks to hear from Nexus Lexis. We were given a website and the pin number for the second time. This time what happened was the pin number once again does not work. When you call the number, the provide, a computer voice comes on and says that there is no one available to speak with and refers back to a revolving door to nowhere website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is regarding a claim made under the " Damage & Theft Purchase Protection '' benefit included with the co-branded credit card " Costco Anywhere Visa Card by Citi. '' The Citi Card Benefits Request case number assigned by Citi to my claim is XXXX. 

This claim is regarding a portable air conditioning unit that appears to have an internal leak or damaged seal near the top of the unit. I assert that this damage is due to shipping damage : the manufacturer 's box, in which the shipped unit was delivered, was quite beaten up. There are numerous mentions on XXXX 's product pages stating that this manufacturer 's packaging often resulted in shipping damage of varying severity. 

However, Citi 's contracted benefits administrator, XXXX  XXXX XXXX, stated in their claim denial letter that the deemed the issue to result from an " inherent product defect, '' which is not covered. 

I have read the terms and conditions which state that damage because of a product defect are not covered. However, Citi is stretching the definition of a " product defect '' to justify denial of claims without evidence, beyond a reasonable person 's understanding of the term " product defect. '' Citi provides no justification for why this is a product defect, except maybe that the issue showed up shortly after purchase. By this logic, the Damage & Theft Purchase Protection is useless for any item that is shipped/delivered, and which may sustain damage during shipping, since Citi may well claim that the product was defective prior to shipping. 

Alternatively, if Citi does want to offer a " Damage & Theft Purchase Protection '' benefit that is so limited in coverage, then Citi should clearly list that shipping damage is excluded in the terms and conditions. 

As it stands, Citi is giving the impression that the benefit provides more coverage than it actually does, while unreasonably denying claims by stretching its interpretation of the wording in the terms and conditions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
In XX/XX/XXXX, I submitted a dispute regarding incorrect information being reported on my credit report regarding late payments on my mortgage for the months of XXXX, XXXX, and XX/XX/XXXX. I was told by a PHH mortgage representative, that the situation would be corrected. This was not the case and my credit plummeted a 100 points, which caused a devastating effect on my creditworthiness. This effected my lively hood and any chances I may have had obtaining any financial freedom. I have disputed this matter with all three credit bureaus to no avail. I have documented proof that clearly shows that payments were made during the months in question.

Company response to consumer: Closed with explanation