vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I applied for a credit card On XX/XX/2019. When I deciding to apply for a credit card I accessed the XXXX major bureaus and unlocked my accounts. 
The issuing bank sent a letter explaining that when attempting to get a credit report that Experian indicated that the credit report was not accessible. 
After receiving the letter from the bank I rechecked my account with Experian and found that according to my account website my credit report was unlocked, only after attempting to lock and unlock again did I find that there was a security freeze applied. I was informed that I would need to call Experian to address the security freeze. 
When I called the number provided the automated answering system would not recognize my inputs whether I typed them or spoke them. I have not been able to resolve this issue with Experian as I have not been able to get past their automated system.

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 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
Flagstar calculated my annual escrow statement as though it would pay my municipal property taxes out of escrow in XX/XX/2019. However, my municipality has not had an XXXX due date for taxes in at least the past 10 years ( as far back as easily-accessible public records go ). The municipal property taxes are due in XX/XX/2019. The difference between using XX/XX/2019 and XX/XX/2019 as the disbursement date results in a {$1700.00} difference in escrow " shortage. '' This calculation still accounts for the XXXX month " cushion '' Flagstar is allowed under RESPA. 

In prior calls to the XXXX number, XXXX of Flagstar insists that the municipality is " a late release date city ; '' therefore, Flagstar will continue to operate as though the taxes are paid in XXXX. However, Flagstar 's practice is a violation of RESPA because it is effectively increasing its " cushion '' beyond the lawful rate. In fact, any argument by Flagstar that it should be allowed to calculate the annual escrow analysis using an XXXX payment date is nullified by the fact that it already has a two-month " cushion. ''

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 2019-09-23 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
Conserve XXXX XXXX XXXX XXXX XXXX, NY XXXX After setting up a payment arrangement Conserve has been harassing over the phone. They have not provided an accurate assessment of the loan or provided accurate documentation. They did not respond to the loan discharge request in writing. They responded with an unsigned promissory note. They threatened to put me back in garnishment, for refuting the increase in the loan borrowed amount. They did not provide any information in regards to the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NE

Complaint narrative:
It has been brought to my attention that there are multiple XXXX days late payments being reported on my credit report for my account with your company. The month of XX/XX/XXXX, XX/XX/XXXX, and XXXX XX/XX/XXXX are reporting as late. I am not sure why these months are showing as late, however ; paying my account on time is very important to me as I am working very hard to improve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX After setting up a payment arrangement XXXX has been harassing over the phone. They have not provided an accurate assessment of the loan or provided accurate documentation. They did not respond to the loan discharge request in writing. They responded with an unsigned promissory note. They threatened to put me back in garnishment, for refuting the increase in the loan borrowed amount. They did not provide any information in regards to the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: GA

Complaint narrative:
Loan Servicer : Selene Finance LP Selene Finance Agents Spoken to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem : Unable to reach a resolution regarding my mortgage that doesn't entail foreclosure In XXXX of 2016, I went on medical leave. By XXXX of 2016, I found myself unemployed while I was still on medical leave. Up until 21 months ago, I was able to keep up with my mortgage payments until all of my savings, checking and XXXX were depleted due to medical expenses. 

I signed a modification agreement in XXXXXXXX of this year. The terms of the reinstatement of the mortgage was contingent upon the settlement I was due to receive. I advised the Selene Finance agent ( XXXX XXXX ) at the time that the settlement would be confidential and I could not guarantee that I would be able to cover the balloon payment. 

The settlement was not enough to cover the balloon payment and I advised XXXX XXXX of this information. He has asked me several times to send the paperwork regarding my settlement to Selene Finance disregarding the number of times I have told him that the settlement agreement was confidential and I can not advise anyone of its terms. 

When I asked Selene Finance who owns my mortgage loan, they would not give me that information. I had to go to the county courthouse to find out. Unfortunately, the owner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX entrusts all of  the mortgage decisions to the loan servicer. In my case, Selene Finance LP. So, I am back at square one dealing with some of the most unhelpful individuals. 

Despite numerous futile attempts to have a mortgage resolution with Selene Finance LP, they remain unhelpful and uncooperative. They have advised me that the investor does not want my home but, they ( Selene Finance ) do not want to work with me to help me stay in my home. 

I have asked if the outstanding balance be tacked on to the end of the loan and the terms of the mortgage lengthened. Their answer - no. I have asked if there is any amount that I could pay besides the outstanding balance to remain in my home. Their answer - no. In my opinion, they do not want to help me at all. 

I am trying to get back on my feet after being sick for the past 3 years and suffering a severe financial loss. All of my efforts to work with the Selene Finance LP agents listed have fallen on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2019 commenity bank contacted my husband which my marriage is XXXX, and gave him details on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 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: RI

Complaint narrative:
Equifax is the only credit bureau reporting a 60 day late for my XXXX XXXX XXXX   account number XXXX. They are reporting a late XX/XX/2019 and XX/XX/2019. The mortgage was paid in full in XX/XX/2019. XXXX and XXXX are not reporting this. Also, XXXX is not reporting this. I created a dispute which has a confirmation number of XXXX and the 60 day late still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received a letter from Capital One stating that they are closing my account due to inactivity. I feel this is wrong. It will negatively effect my credit report in XXXX ways. It will lower my credit utilization score and it will eliminate my good credit history. I dont think its right that they can hurt my credit score when Ive done nothing wrong. The credit card company is punishing me for not being in their debt. These guidelines need to be reviewed and changed so that people arent punished for a lack of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I've tried to establish a bank account with Chase Bank for myself and my XXXX and they allowed my to place funds in. then a couple weeks later they closed it without notice. Im well aware of the fact that a bank can close an account without notice but to be told that im red flag as a potential fraud person and that is not true. Ive never done anything wrong to chase the last time i had chase i was living in Texas and my ex was using my Card to pay here car payment. i filed a claim to receive my funds and they close the account stating i should pay close attention to my account. I've also been told that i will never be able to open another account. If didn't leave then last with a negative account why and they red flagging me and labeling me as potential fraud person. When we sign our agreement with the bank there was nothing that states how many claims we can do, and every claim with the excepting of XXXX or XXXX that forgot i did where excepted. going by there contract it does say they have to right to close our account at there discretion but As i said when we sign a contract with this bank there was no limitation on the claims we could do and we shouldn't be judge by that. I'm at an age where im trying to get my life together and there doing more harm than helping

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF ED/XXXX XXXX DPT ED/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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Greetings Consumer Financial Protection Team, Since XX/XX/XXXX to date XX/XX/XXXX, I've been aggressively trying to have old and outdated information on my ( 3 ) Credit Reports ; XXXX, XXXX  and TransUnion removed. Specifically, accounts that are 7 to 10 Years old or more  are still appearing on my ( 3 ) reports. I have filed several disputes ( see supporting documentation ) ; opened Credit Monitoring Accounts ( see supporting documentation ), All unsuccessfully. I was advised by the Federal Trade Commission to contact your agency for assistance in resolving this ongoing issue. Your assistance in regarding this issue is greatly appreciated. My contact information is : cell : XXXX ; email : XXXX. 

Healthy Regards, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Greetings Consumer Financial Protection Team, Since XX/XX/XXXX to date XX/XX/XXXX, I've been aggressively trying to have old and outdated information on my ( 3 ) Credit Reports ; Experian, XXXX and XXXX removed. Specifically, accounts that are 7 to 10 Years old or more are still appearing on my ( 3 ) reports. I have filed several disputes ( see supporting documentation ) ; opened Credit Monitoring Accounts ( see supporting documentation ), All unsuccessfully. I was advised by the Federal Trade Commission to contact your agency for assistance in resolving this ongoing issue. Your assistance in regarding this issue is greatly appreciated. My contact information is : cell : XXXX ; email : XXXX. 

Healthy Regards, 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 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XXXX XXXX XXXX  submitted to Citicard a bill for advertising. I had not signed the contract they sent me. I disputed the charge. Citicard investigated it. I sent them a lengthy explanation of the facts that : XXXX XXXX had sent me two contracts to sign. Neither of which I signed. 
If a company offers a contract for you to sign and you do not sign it, how could Citicard then assume that a legitimate business agreement was effective and in place? I communicated with XXXX at least twice by email and twice verbally that I did not want their product. 
I furnished to Citicard the email record as well as summaries of conversations I had with the representatives at the company. 
Citicard asked me to explain what I had received versus what I expected. I told them I never received anything. To my knowledge there has been no ad run on my behalf. I asked repeatedly for proof that the persons ad which I was taking over was in fact exclusive and was the sole life insurance ad in the respective issues in which that persons ads appeared. I never received those. 
In spite of all this, Citicard ruled in favor of the claimant and honored the charge. 
They then threatened to list my payment as late as follows : ..we may report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement.

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 2019-09-23 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF ED/XXXX XXXX DPT EDXXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-09-23 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF ED/XXXX XXXX DPT EDXXXX 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 XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation