vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
A Certified/Return Mail was sent to this creditor, Discover Financial Services, XXXX requesting that the account # XXXX since XX/XX/2013 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Discover Financial Services, XXXX must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: CA

Complaint narrative:
XXXX XXXX - Charge off Account - XX/XX/XXXX I sent a letter requesting information and an investigation over this account and kept getting the same response with no information on the account and how it was investigated in detail. I sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and demanding information over this account and the documents that verified this was my account and I don't get any information from 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 non-monetary relief
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
A Certified/Return Mail was sent to this creditor, Chrysler Capital requesting that the account # XXXX since XX/XX/2015 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Chrysler Capital must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
In XXXX of XXXX I started the process of refinancing my mortgage. I was then told that my mortgage company, Freedom Mortgage, had not paid my taxes for the last quarter of XXXX. I opened up an inquiry on that matter with their tax department. 
When I reviewed my annual escrow statement, it showed that they had issued the tax payment of {$580.00} out of my account in XX/XX/XXXX, but it was not reflected on my taxes. In addition, it showed THREE payments made in XXXX of XXXX to taxes. When I called and asked about it, I was told that it was to pay for the last quarter of XXXX 's taxes. When I asked them why the XXXX payment had not been re-deposited into my escrow account ( since the payment was never made on my behalf ) they said they would open an inquiry. 
Now, I went to pay my auto insurance, and see that NO PAYMENT has been made for my homeowners, which was due XX/XX/XXXX. My escrow account was debited for the entire amount of my homeowners ( {$1600.00} ) on XX/XX/XXXX, but has yet to make it to my insurance bill. 
Additionally, Freedom Mortgage has now upped my escrow because there is not enough " cushion ''. There is not enough cushion because the have made incorrect payments out of my account. 
Due to the tax situation, I recently put in a request to stop having Freedom Mortgage escrow my mortgage. I was denied because the escrow account is negative, which is, again, because they made incorrect payments out of my 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 2019-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
A Certified/Return Mail was sent to this creditor, National Credit System requesting that the account # XXXX since XX/XX/2018 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. XXXX XXXX XXXX, XXXX must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted investigations into these inquiries and details as to verifying these inquiries and I receive no information as to how the investigation was conducted and information confirming these inquiries. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2019-06-09 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: MIDFIRST BANK
State: VA

Complaint narrative:
I spoke with customer service manager at Midland Mortgage regarding my amount owed and amount in XX/XX/2019 states past due. The manager assured me this wrong information was not report by Midland. However, it still remains on my credit report after I have sent the correct amount owed and my account has not been late this year. I am trying to keep my credit on track. My score went down 64 points in the last month, due to errors. Can this information with all three credit bureaus be fixed as soon as possible.

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 2019-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates has repeatedly harassed me both at my place of business and on my personal phone. They also have been spoofing their ID trying to hide their numbers from me so Ill answer their nasty calls. Ive told them numerous times not to contact me at work but they still are. I do not owe these people anything and their harassment needs to stop. They just called me today on a Sunday. Thats taking it too far on a Holy day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09 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: NV

Complaint narrative:
i, XXXX XXXX XXXX, woman of flesh and blood, beneficiary to the account XXXX XXXX XXXX ssn : XXXX dob : XX/XX/1992 previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX [ zip code exempt ] current living address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX [ zip code exempt ], new mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX [ zip code exempt ] have submitted several disputes to Equifax through the CFPB as well as USPS but have received no results and it has now been well over 30 days. 

I received a letter by mail from Equifax stating that they received my request concerning my Equifax credit file but that they could not locate my file. That it may be due to me not having a current file, or not applying for credit recently, or that i have not actively used credit in ten years. However when I logged into Equifax I was able to find my credit file. Is there a reason why you were unable to find my credit file but I am able to? Also out of the two scores presented by XXXX XXXX one of them is connected to Equifax. Equifax has allowed corporations to provide documents affecting my way of living but is refusing to investigate my disputes. Is there a reason you have chosen not to investigate my disputes? i provided Equifax with proof of identity and address, i provided Equifax with account numbers, i provided Equifax with proof of payment in full, i provided Equifax with proof of the corporations receiving payment yet they have taken no action on my behalf to correct my credit file. What is the reason for this? To state that it is due to not locating my credit file when that is clearly a false statement leads me to believe that you are working for the corporation and not for we the people. Equifax has allowed these corporations to continue to destroy my credit score in an attempt to extort more money from me. Provide lawful reason as to why you have taken no action to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I spoke with customer service manager at XXXX XXXX regarding my amount owed and amount in XX/XX/2019 states past due. The manager assured me this wrong information was not report by XXXX. However, it still remains on my credit report after I have sent the correct amount owed and my account has not been late this year. I am trying to keep my credit on track. My score went down 64 points in the last month, due to errors. Can this information with all three credit bureaus be fixed as soon as possible.

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 2019-06-09 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: AES/PHEAA
State: MT

Complaint narrative:
The short version of the story is Fedloan Servicing is reporting my debt in a manner that negatively affects my credit score despite the fact that I have made my payments on time every month. It was never disclosed to me that my repayment plan was not sufficient to keep my credit in excellent standing. It was never disclosed to me that my student loans could negatively impact my credit report. 

The longer version of the story is as follows : In XXXX I was assigned FedLoan Servicing as my loan servicing company upon graduation from XXXX XXXX at XXXX XXXX University. At the time I graduated I had a combined balance of roughly {$110000.00} with about 20 different subsidized and unsubsidized loans. 

I decided that consolidation and income based repayment would be a good option for me, so I consolidated my loans with a 5 % interest rate with a 20-25 year forgiveness plan. The payment plan worked well for me. My payments were roughly {$100.00} a month and I have made the payments on time every month. Fast forward 3 1/2 years after graduation and I have saved up enough money to put a down payment on a home! 

Between XX/XX/XXXX and XX/XX/XXXX my boyfriend and I met with XXXX XXXX XXXX in XXXX Montana. We had our credit reports pulled to find that my student loans were negatively impacting my credit report. Fedloan  servicing was reporting the loan amount of {$110000.00} with a balance of {$120000.00}. 

I was never informed that should my balance grow beyond what was consolidated that it would report negatively. Together with the help of our Loan Officer this XX/XX/XXXX, we called Fed Loan Servicing to inform them of the reporting error. Fed Loan servicing informed us that they had only started reporting their loans this way in XXXX of XXXX. When we asked why and if we could have it reported correctly we were put on hold for 30 minutes. This tested our patience and we eventually hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
my husband and I were sent to collections for the amount of {$1800.00} and is currently accruing interest which amounts to XXXX as of XX/XX/2019. We have attempted to resolve this issue with the apartments by personally talking to the manager of the apartments for our first attempt, then continuously calling them after that. There were different managers every time we talk to someone. They would always say that they will send us emails as to what the charges were for but we have not received any kind of communication from last year until the present. So we do not know what the charges are for. They have our current email addresses and contact details but we have no communication of any kind from them about this debt that we supposedly owed. This debt collection report is now affecting our credit score. Thank you. Company is XXXX XXXX XXXX and is currently given to IQ Data International.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have an American Express Platinum credit card and so am a Priority Pass Select member as part of AMEX Platinum credit card benefits. I should have full access to Priority Pass lounges in airport globally per AMEX Platinum card benefits terms and conditions. However, when my family and myself flew from XXXX to XXXX on XX/XX/2019, we were trying to enter Priority Pass Select lounge - XXXX XXXX  XXXX in XXXX Airport . However, our access was declined by the lounge staff very rudely. Although I showed them my Priority Pass card as well as the proof that this lounge is in Priority Pass network, our access was still declined without any legitimate reason. They simply said that American Express Platinum credit card and Priority Pass Select card members can not access this lounge. 

Finally, we couldn't use this lounge at all, but instead we had to pay {$50.00} in airport restaurant to have breakfast for myself, my spouse and and my kid. Extremely disappointed with such horrible experience as an AMEX platinum card and Priority Pass Select card member. 

I request American Express to reimburse me {$50.00} for what we paid in Airport restaurant, because our airport lounge access was incorrectly declined by Priority Pass XXXX Airport Lounge staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing a complaint in regards to a couple of letters that I send out to the credit bureau in which they are reporting an account that is being illegally reported on my credit report. After formally disputing it directly with XXXX XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory report. This is why I am filing my complaint after Transunion claim to have verified information after I have send them a letter certified with tracking number XXXX. Transunion is reporting several UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations of Accounts that appear to be not in lawful compliance to reporting regulations or elsewise improperly reported and transferred by other lender/services on the report. I understand my rights and so I have served written notice of my consumer demand checking for federally required proof of compliance even to the Metro 2 Compliance rules. The Fair Credit Reporting Act dictates that every single one even each any and all of the loans in question were or were not handled properly when they were transferred.

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 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I try to dispute Account from America Honda Finance because the account was on my report for 7 +years. I disputed this account with all 3 credit bureau and XXXX is the only one that deleted the item. XXXX and XXXX still remain on my credit report. The amount is {$9000.00}. I have been fighting this for 5 months now. Can you please reinvestigate. I would highly appreciate it. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Services is attempting to recover a debt of {$2000.00} that is not mine. I have never had a contract or account with them. Thy even state in their letter that they are not the original account holder and that it was XXXX XXXX XXXX. I'm not familiar with them either. If I have no written contract with Phoenix Financial why are they trying to collect a debt from me for another company? I request validation of this account with original documents showing itemized charges. Not photocopies, but originals with wet ink signatures on it. I doubt that they can produce these documents. And if they do have them and they are not a licenced medical facility but a collection agency then that is a clear case of a HIPAA violation and possibly FDCPA violation. I have sent a cease and desist letter directly to Phoenix Financial disputing these charges and account about two week ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
A debt was listed for collection by a XXXX XXXX XXXX, XXXX for {$3000.00}. It is from a company called XXXX XXXX XXXX XXXX XXXX. The date of delinquency is listed as XX/XX/XXXX and not reported till XX/XX/XXXX on my Equifax credit Bureau. I disputed this but they refused to remove this from my credit history. 

I NEVER had a loan nor used the services of XXXX XXXX XXXX. I never got one phone call nor letter in the mail. I believe this is a scam on XXXX XXXX XXXX. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TyKy
State: CA

Complaint narrative:
Didnt have 2 years of income and loan officer made me file more income for 2018 tax returns to qualify for the mortgage. Had to be in escrow over 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
Called company and Equifax explained to them that Ive never had an account with them and Ive never lived at XXXX XXXX XXXX XXXX XXXX OH. 
Ive filed identity theft reporr with the ftc Neither can verify my signature on any document

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
I have been disputing a public record on my background check since the beginning of XX/XX/XXXX and still have yet to have anything resolved. I am trying desperately to get into a home for my kids and I and keep running into problems. The writ of possession which is on my court documents was removed from my credit report due to errors on the spelling of the name and the amounts are not accurate. I have contacted the first advantage company that provided the background check and have been told so many different stories which more recently last week I was told the second dispute resulted in the eviction being removed that I needed to call the low income housing place and let them know they sent the stuff over to the office. After calling and the manager at the property told me nothing was changed. I then called the first advantage place again and he said they took the eviction off but then denied the application due to credit score. They would not let me speak to someone else and also would not go over the phone recordings to listen to what the person had told me regarding the eviction being removed. He said he looked at the notes only but would not listen to the calls. I cant pay the judgment because we cant locate the account holder since he is not a client of the eviction center he went through in XX/XX/2015 and that is the information the courts keep giving me on where to pay. Please help me.

Company response to consumer: Closed with explanation