vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR

Complaint narrative:
ONEMAIN IS STILL PULLING PROMO INQUIRIES FROM XXXX/XXXX CREDIT REPORTS FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX CREDIT PROFILES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Requested debt validation through the 3 major credit reporting bureaus as well as Belk/XXXX and neither party provided debt validation ie a contract with my signature or ID to verify that the debt was acquired by me. The credit reporting agency just stated it was verified and did not provide details of their investigation. Belk only sent letters stating the debt as sold and refused to furnish any other information telling me to contact a company they sold the debt to.

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 2018-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had XXXX student loans with XXXX XXXX XXXX that were charged-off and sold to an unscrupulous debt collector ; XXXX XXXX XXXX, XXXX based in XXXX XXXX, SC. This debt buyer has illegally added over $ XXXX in interest/fees to the loan, which I don't think is legal since the loan had already been charged off by XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX has stated the loan balance to be in excess of $ XXXX while BofA charged the loans off for about $ XXXX. I believe that my original loan agreement doesn't allow for the fees/interest that they are attempting to add to the loan through their aggressive attorney, XXXX XXXX XXXX. Further, I've learned that XXXX XXXX XXXX, XXXX is operated/owned by the same individuals at XXXX and XXXX, which is who XXXX   XXXX XXXX used as their collection agency prior to selling the loan to XXXX XXXX XXXX, XXXX - a major conflict of interest.

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 2018-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
XXXX XXXX  assumed management of my XXXX XXXX   loans in May. Apparently, I selected " online billing '' as an option but selected against receiving email notifications. This was according to a conversation I had with a represented on Mon XX/XX/XXXX. I was past due by 2 months but had not received notification of this from XXXX XXXX or XXXX XXXX. I spoke to a representative XXXX XXXX ) on Thu XX/XX/XXXX and was told " all delinquent accounts are sent notifications by mail. '' I spoke to her supervisor ( XXXX ) and was told " delinquent notifications can be sent by email. '' I told them that there was clearly a process issue that would allow for online bill pay but not for any online notifications of delinquencies. I asked that the negative filing be waived from my credit report but I was told this couldn't be done without speaking to 'superiors. ' I was assured that I would be contacted the following morning ( Fri XX/XX/XXXX ) but I have yet to receive a call. My credit score before this mishap was XXXX, which indicates a long history of paying my bills consistently and on time. I believe the company has a fiduciary duty to ensure that the person holding the loan has been contacted and informed of pending actions before taking actions that can negatively impact their credit score. At NO TIME did I receive a written notification or telephone call. I believe that these actions constitute a breach of fiduciary duty, possible libel for aggressive pursuing this course of action when, in fact, a process issue created this problem, and potentially fraud because of the misinformation I was provided when I contacted the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Relief Center
State: HI

Complaint narrative:
I received a letter from the Debt Relief Center, with a PO BOX address in XXXX, AZ. It says that I owe $ XXXX, and they are a collection agency on behalf of my creditors. They are offering a payment plan, and this is my second notice ( I dont think I received a first notice ). 
They ask me to call XXXX. 

I dont think I have any outstanding debts, my Credit Cards are managed, I have ID protections. Unless my info was sold on the the deep web, and used to create a parallel life, I believe this is a SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a text message from XXXX XXXX XXXX this evening indicating suspected credit card fraud. The message stated that the bank was freezing my credit card and that I could call a particular telephone number to reactivate it. I called that number and have been waiting over 30 minutes on hold. TO ADDRESS SUSPECTED CREDIT CARD FRAUD. 

This is a huge deterrent to the timely resolution of fraud issues and, quite frankly, unacceptable customer service. Unfortunately, it's par for the course for XXXX XXXX XXXX. Rather than the exception, 30+ minute wait times are the rule when it comes to contacting them via telephone.

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 2018-09-25 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: SC

Complaint narrative:
Requested debt validation through the 3 major credit reporting bureaus as well as XXXXXXXX and neither party provided debt validation ie a contract with my signature or ID to verify that the debt was acquired by me. The credit reporting agency just stated it was verified and did not provide details of their investigation. XXXX only sent letters stating the debt as sold and refused to furnish any other information telling me to contact a company they sold the debt to.

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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Requested debt validation through the 3 major credit reporting bureaus as well as XXXXXXXX and neither party provided debt validation ie a contract with my signature or ID to verify that the debt was acquired by me. The credit reporting agency just stated it was verified and did not provide details of their investigation. XXXX only sent letters stating the debt as sold and refused to furnish any other information telling me to contact a company they sold the debt to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX is a collection agency claiming that I owe {$670.00} from a XXXX XXXX credit card. On XX/XX/2018 I mailed a letter to dispute the claim, requesting the debt be validated. The letter was delivered on XX/XX/2018 with them responding on XX/XX/2018 not validating the debt. My credit report was not marked disputed on XX/XX/2018. I sent another letter delivered on XX/XX/2018. I have tried to resolve this issue with all 3 credit reporting agencies. They continue to verify the debt without any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX IS STILL PULLING PROMO INQUIRIES FROM TRANSUNION/XXXX CREDIT REPORTS FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX CREDIT PROFILES.

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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have received a lot of information on my credit thats not mines .XXXX   XXXX, 3 XXXX XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX/XXXX/XXXX charge off, XXXX XXXX XXXX Several inquiries. I have no bad information on my credit. inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX-XXXX, XXXX, XXXX, XXXX, XXXX XXXX bank, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX bank, XXXX several times, XXXX, I have like 100 inquiries. I dont apply for anything

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 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western Collections, Inc
State: CO

Complaint narrative:
I left an apartment complex and gave my 30 day notice but they refused to accept it because it was technically 29 days but their office was closed the previous 2 days??? Now i have a collection on my report for the rent plus a toy they found in the septic system that wasn't mine!! I've tried working it out with them but they refuse to remove the collection.

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 2018-09-25 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: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: AK

Complaint narrative:
I was XXXX and didn't realize loans from alaska post secondary education commission were " private '' loans and yrs later I fell on hard times and had a deferment on the XXXX, XXXX XXXX ( XXXX ) and XXXX XXXX at the time. I mistook the APSEC loan with federal and ended up defaulting on it. the loan in return goes from $ XXXX into $ XXXX. I would have to find the paperwork for specific dates, but this happened around XX/XX/2012. I've tried calling many times to APSEC and I'm always reverted to XXXX XXXX because they are the collection agency, which they are no help other than paying off the entire balance or 90 %. I can't believe there is no way to get out of default like with a rehabilitation program or anything. perhaps consolidation, but it is just crazy how the balance doubled - it is extortion. especially, since the XXXX financial advisors were basically just salesmen to XXXX yr olds just, like, " oh yea we can get you the money. '' XXXX is in a fact a for profit university just milking ease of student loans. I honestly wish I never went to college after this experience. DO NOT TAKE OUT AN ALASKA POST SECONDARY LOAN. 

of course many will just say " didnt you read the fine print. '' well, struggling and juggling multiple lenders, I didn't realize it was separate from federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: States Recovery Systems, Inc.
State: MI

Complaint narrative:
I was contacted by STATES RECOVERY SYSTEMS INC for a old credit card that I believed was inaccurate. The amount in question I stated was in dispute by me as well as the time line. I was told that to prevent future action by them I had to pay {$3000.00} immediately. The collection notice is dated XX/XX/2018. I am extremely concerned they will continue to harass me and make threats.

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 2018-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jones, Robin & Robin, P.C.
State: GA

Complaint narrative:
I have written the law firm and the firm administrator, XXXX XXXX. The registered agent, XXXX XXXX, also refused to respond to debt verification of the debt she is representing that I owe. The letter first letter is dated XX/XX/XXXX and the second in dated to XXXX XXXX dated XX/XX/XXXX. the letters were received and more than 5 days have passed for the latter and more than thirty days for the first. 

the letters have been received and reviewed an I have proof of delivery

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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Reports of late payments were issued to the mortgage account for the year of XXXX - XXXX. Payments made to the company were never more than 30 days late, per credit reporting guidelines reports should only be made on credit reports when payments are made 30 days or later. 

Verbal contact was made to the company 's customer service, regarding reporting. Customer service associate stated the company would not be able to do anything regarding the reporting, due to the report already being sent to the credit bureaus. 

Credit bureaus were contact regarding the reporting, reports were received back and stated that the company did not remove or issue a note regarding the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Reports of late payments were issued to the mortgage account for the year of XXXX - XXXX. Payments made to the company were never more than 30 days late, per credit reporting guidelines reports should only be made on credit reports when payments are made 30 days or later. 

Verbal contact was made to the company 's customer service, regarding reporting. Customer service associate stated the company would not be able to do anything regarding the reporting, due to the report already being sent to the credit bureaus. 

Credit bureaus were contact regarding the reporting, reports were received back and stated that the company did not remove or issue a note regarding the situation.

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 2018-09-25 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: AZ

Complaint narrative:
I have received a lot of information on my credit thats not mines .XXXX  XXXX, 3 XXXX XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX . Several inquiries. I have no bad information on my credit. inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX-XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX   XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX,   XXXX several times, XXXX, I have like 100 inquiries. I dont apply for anything

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 2018-09-25 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have received a lot of information on my credit thats not mines .XXXX XXXX, 3 XXXX  XXXX accounts, 2 XXXX XXXX, 2 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX . Several inquiries. I have no bad information on my credit. inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX,   XXXX several times, XXXX, I have like 100 inquiries. I dont apply for anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I have a Mortgage with Selene Finance from XXXX, TX and I'm having problems with them as they won't payoff my Mortgage from a Certified Check I sent them on XX/XX/2018. All I get from them is a 30 day wait letter ( I have many ). Please check all the documents that I have attached concerning this problem and help correct this error from Selene Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I received a letter from Penn Credit corporation dated XX/XX/XXXX and after few days without any chance to verify my records ( 30 days to ask for verification ) or according to the FDCP nobody gave the change and placed the account in my credit report in a clear violation of the law. 
Previously contactked PennCredit via CFPB to obtain copy of any contract or any documetation to validare any debt but the amswer wad they try to contact me in a old address without any success but now they decide to validate by themself. 
The report show inaccurate information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open and charge using my identity and social. 
See residency letter from shelter during the period open and charge under my name. 
XXXX shows day open XX/XX/XXXX and XXXX  XX/XX/XXXXand during that time I was living in a shelter so the dates obviously are wrong, the amount is wrong and somebody used my information to open the account.. 
PennCredit violate the 30 days period and the Credit Bureau allow them to post false and inaccurate information withou any support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Castle and Cookie Mortgage LLC
State: MS

Complaint narrative:
I am a XXXX XXXX and Castle & Cooke Mortgage out of the Mississippi location told my borrower she could do a bond loan through XXXX XXXX XXXX XXXX via one of their programs or if that didn't work she could do a loan through the XXXX XXXX. The borrower well exceeds the income guidelines for both programs as well as exceeds the income guidelines for USDA. I spoke with them and told them she did not qualify. I was told they wouldn't be counting her stipend income or her second job income. I contacted all 3 entities and confirmed what I knew to be correct ... this is fraud. The fact they knew her income was too great for the programs they were telling her they would put her under even after she had provided income documentation seems to be a clear cut bait and switch tactic to me. I explained this to the borrower but at this point they pulled the FHA case number the day we tried to pull it and will not transfer it. They are still telling her they can do one of these loans or find something with no down payment. I inquired with them about the programs they offer and no such program exist based on this customer profile. My XXXX # is XXXX.

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