vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
For the last year and a half I have been trying to life a security freeze on my credit file. Repeated interactions with Equifax have been unsuccessful, but they have made it plain that if I PAY them to take the freeze off, they will find a way to do it. Most recently, XXXX XXXX, 2017, I called to find out what hoops they wanted me to jump through on THIS attempt. They had me confirm a lot of information, including a credit card account -- the company name and credit limit -- and the name of the company handling my car loan. I did. Then they tell me they can lift the freeze and will send notification to my address -- an old address, which they say I have to send documentation to them through fax or snail mail. This despite the fact that the address for the companies they required me to confirm I have accounts with all have my current address. <P/>Last year I tried to get the freeze lifted, and they repeatedly rejected all the paperwork I sent them, insisting each time they needed something different. AND all of that was at an address different from the one they say they have for me. There was more than enough information in those packages to update the address, yet they did not do it. <P/>I placed freezes on all credit account YEARS ago, and both other major bureaus lifted the freezes LONG ago. <P/>I can not understand why this company is insisting on ONLY accepting from individuals that information that is send by snail mail even when the information fed to them by creditors is not send by snail mail, and why if they are going to collect credit information, they can not request current address information as well!!!! <P/>This is an example of a large credit bureau routinely XXXX  the consumer!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
I received a bill from AFNI INC. SUBROGATION DEPARTMENT.
It states that they represent XXXX XXXX to whom I owed {$2900.00} for payments they made to their policyholder due to a car accident with my involvement on XXXX-XXXX-2017. File # XXXX. Claim # XXXX. I contacted XXXX XXXX and they said they were not aware of such bill and that I do n't owe them anything.
Then I called AFNI on XXXX-XXXX-2017 at around XXXX and spoke with a gentlemen who was not able to give me the source information for this claim and demanded me to have my insurance company contact them for making this payment. He was EXTREMELY RUDE AND THREATENED ME to revoke my driving license if I did n't. I asked him to calm down and not raise his voice at me. He said that I should be looking for notification in the mail for my license revocation by some department very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association
State: TX

Complaint narrative:
My account is es crowed with NYCB and I see a significant delay in paying my home owner insurance payment. Two months back I have opted for new home owner insurance policy, informed bank about it and I made couple of call to inform them about my new insurance premium payment. Insurance agent sent them invoice but bank never paid them. I have received a cancellation notice from insurance company, I called bank on XXXX XXXX 2017 to inquire about the payment and they admitted they never paid it ( my online account says they paid premium but it was not the case ) but there a confusion from their side ( not sure what it is ). When I asked them did they get cancellation notice from insurance company, they said yes as they got it on XXXX XXXX 2017 then why did n't they act immediately? why are they waiting until I call and let them know about missing payment? I call them on XXXX XXXX, they initiated payment on XXXX XXXX ( online account says disbursed on XXXX XXXX - false details ). Today is the last day insurance company would cancel my policy if they do n't receive payment, I called bank, CSR says we need allow 7 days to deliver the check, and CSR assumes it will be delivered and insurance would reinstate the policy, who is responsible if payment is not made by end of today? what if damage happens over the weekend? Bank put me corner and I was in scary mode now, surprisingly second time happening this to me like this as Title company never paid premium amount to insurance for which I lived in home for 7 months without home insurance and no one took responsibility about it. Always CSR speaks something not sure it is recorded they assume a lot but they do n't take responsibility, they give robot type answers, not allowed me to speak to their manager when needed. But CSR gave random answers, different CSR 's give different answers. I 'm worried and I see negligence from bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I always make my payment on time. I am never late and try to use the card as much as possible. I had made a payment to the card without realizing I had accidentally grabbed the wrong banking information. When I realized I had submitted my payment it was already too late to cancel. Capital one advised me to wait until the payment was returned then just submit the payment again and I should be fine. So I did just that. HAD I KNOWN if waiting for the return payment to process on my account would negatively impact my ability to request a credit limit increase, I would have said something right then and there! The online system did n't not let me resubmit a payment. Might I add that I did pay my balance completely off a few days later using the right banking information. My complaint is that I tried to request a credit limit increase and was declined because of my human error. My credit is decent and I always pay on time. The customer service reps do not care about the consumer, only the interest of the company and will not remove the return payment. Now my credit is affected by this and all I was doing was following directions. All i want is the return payment to be removed from my profile. I have called multiple times and got tye same answer that i have to wait up to 12 months for it to go away. I am lost for words. Alibi want to do is get a credit limit increase and now I can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For years I have been placing a quarterly 90-day fraud alert with one of the credit bureaus. I rotate among XXXX, XXXX and TransUnion. I place this alert because I do not want anyone to apply for credit using mine or my wife 's information. <P/>
Suddenly, this quarter, I find that all three credit bureaus refuse to accept my fraud alert. I have tried all three at different times, spread over several days.
<P/>
Of course, all three offer to " lock down '' my credit for a fee -- which, let 's be honest, is nothing more than a protection racket. It 's exactly what the mafia has done to 'mom & pop ' store owners for decades. <P/>This has to stop. It is not right for these companies to gather all of our personal information, and then say, " it would be a shame if someone got this information and applied for credit in your name. Pay us a fee and we 'll make sure that does n't happen. '' How is this not extortion?

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 2017-07-07 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: TX

Complaint narrative:
For years I have been placing a quarterly 90-day fraud alert with one of the credit bureaus. I rotate among XXXX, Experian and XXXX. I place this alert because I do not want anyone to apply for credit using mine or my wife 's information. <P/>
Suddenly, this quarter, I find that all three credit bureaus refuse to accept my fraud alert. I have tried all three at different times, spread over several days.
<P/>
Of course, all three offer to " lock down '' my credit for a fee -- which, let 's be honest, is nothing more than a protection racket. It 's exactly what the mafia has done to 'mom & pop ' store owners for decades. <P/>This has to stop. It is not right for these companies to gather all of our personal information, and then say, " it would be a shame if someone got this information and applied for credit in your name. Pay us a fee and we 'll make sure that does n't happen. '' How is this not extortion?

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 2017-07-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am attaching a Mort gage Statement received from Shell Point Mortgage. I do not know this Company nor I borrowed any money from  them.   I want to send them a QWR Notice under RESPA. But their Mortgage Statement does not have any address to which I can send this QWR, although it is required by Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: AZ

Complaint narrative:
I disputed this account and asked Equifax for an investigation into the  XXXX  Account.   I requeste d Validation, Verification, Process, Contract. I  have not received any of the requested documentation to prove that this is my account. The only investigation results I have received, states that the account / bill / information is true. NO justification. No contract, No etc.   The investigation has EXCEEDED 30 days - requested  XXXX   2017 .   XXXX  In addition the account is being re-aged & from the original date should have been removed, as it exceeds the 7 year statue of debt on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: AZ

Complaint narrative:
My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ XXXX and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.

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 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX To who it may concern ; i have several collection agencys named XXXX XXXX XXXX & MIDLAND FUNDING LLC. Please be advised that i am disputing these collections due to the fact that the collections agency ( XXXX XXXX XXXX & MIDLAND FUNDING LLC ) does not currently have a valid license in FLORIDA to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that XXXX XXXX XXXX & MIDLAND FUNDING LLC ) are licensed to collect in Florida. Your immediate response will be greatly appreciated.
<P/>
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: NY

Complaint narrative:
I RECENTLY PUT IN A DISPUTE FOR A VERIFICATION OF ACCURACIES ON THIS ACCOUNT. AFTERWARDS, THIS ACCOUNT MAGICALLY BECAME OPEN AFTER BEING CLOSED FOR ALMOST 3 YEARS. LAST PAYMENT WASXX/XX/XXXX, CAR WAS REPOSSESSED INXX/XX/XXXX AT WHICH POINT THE ACCOUNT WAS CLOSED. ON MY TRANSUNION CREDIT REPORT THE STATUS HAS CHANGED TO OPEN BY THE COMPANY XXXX XXXX XXXX AS PER A REP FROM TRANSUNION AND NOW THE DATE IN WHICH IS IS TO COME OFF HAS SHIFTED A YEAR FURTHER. INSTEAD OF IT BEING REMOVED ONXX/XX/XXXX, TRANSUNION NOW HAS IT TO BE REMOVED IN XXXX. I HAVE TRIED NUMEROUS TIMES TO PAY THIS DEBT ON THIS CLOSED ACCOUNT, THE COMPANY REFUSES TO GIVE ME AN AGREEMENT IN WRITING ON WHAT WE DISCUSSED ON THE PHONE, THIS IS CLEARLY IN RETALIATION TO ME REPORTING THEIR " BOOKY '' WAYS. YOU CAN NOT OPEN A ACCOUNT THAT HAS BEEN CLOSED. FURTHERMORE, THE DATES LISTED ARE WRONG AS WELL. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT HAS MANY INACCURACIES! I AM NOT IN POSSESSION OF THE PRODUCT NOR HAVE I REOPENED OR MADE ANY ATTEMPTS TO REOPEN THIS ACCOUNT. I AM NOT RECEIVING MONTHLY STATEMENTS OR MAKING MONTHLY PAYMENTS NOR IS THERE A CONTRACT STATING SUCH.

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 2017-07-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ON XX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL 3 BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OF X/X/2017 THE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ON X/XX/2017 TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened this card at Marshall 's inXX/XX/XXXX. I paid the entire balance off each month on this card. Then in XX/XX/XXXX they contacted me and told me that I was past due about {$600.00}, I told them that I always paid the balance off and asked how could I be past due. They did not have an explanation and now I found it listed on my credit report as in collections for {$930.00}. This is not correct and I need help to get this straightened out.

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 2017-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
In XXXX of XXXX I filed my income driven repayment plan like I always do. Navient is one of my lenders. The other three lenders accepted my repayment plan but Navient did not. I was not aware that they rejected it. I did not receive letters even though they stated that they sent them. In XXXX of XXXX I filled my taxes. I was supposed to get {$5000.00} back. Navient put in an order to take my taxes only four months after they rejected my income driven repayment plan. I had to call them and they would not give the money back. I set up a payment arrangement for {$5.00} a month for a year with the collection company they sent me too. I was a single mom and that is all I could afford. After a year I was able to stop paying the {$5.00} and then they accepted my income repayment plan. I have never had any issues with my other lenders accepting my repayment plans but Navient went after me. I felt completely scammed. I absolutely hate working with them. This year I filed my repayment plan with them and all my other lenders give me a {$0.00} balance to pay every month. Navient came back and said I owed {$50.00} then month. I had to call and ask them why. They had to reopen my file and they said it 's because when the paper work was processed by them it did not take my other loans into account. They fixed it right away so I had a {$0.00} payment every month. I have to really watch my loans with them because they are always trying to pull something.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: OH

Complaint narrative:
My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
<P/>
The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.

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 2017-07-07 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: OH

Complaint narrative:
My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
<P/>
The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: OH

Complaint narrative:
My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
<P/>
The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.

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 2017-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mnet Financial Inc
State: FL

Complaint narrative:
This time I spoke with XXXX XXXX on XXXX/XXXX/2017. The last conversation was with a representative in XXXX. XXXX XXXX refused to provide last name or any contact information. He said he was the only XXXX XXXX at the call center and there was only one call center.
<P/>
I received a letter in response to a dispute that merely had the amount I supposedly owe and verbaige that simply stated it was validated. I do not recall this debt. I reached out to both the original creditor and insurance company MNET referred me to and neither have any information regarding me or this account.
<P/>
MNET stated they validated the debt by confirming it with the original creditor and that they do not have proof just the original creditor saying it was mine. It is not.
<P/>
I requested proof in the dispute request. Proof they own or were assigned the account. Proof of the amount and supporting documentation not just their say so.
<P/>
I never received any written or verbal correspondence outside of a recent letter saying this is yours and you owe {$860.00}.
<P/>
They kept telling me today the limitation of 30 days is up and they do n't have to provide proof. What 30 days. I noticed this in XXXX on my credit report and disputed right away.
<P/>
The FDCPA ( Fair Debt Collection Practice Act ) If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report.
<P/>
The FCBA ( Fair Credit Billing Act ) also states that they can not validate a debt with a credit bureau until they provide me with validation. They have validated and I have no validation. They validated with XXXX not with me.

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 2017-07-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ON XX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL XXXX BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OFXX/XX/XXXXTHE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ONXX/XX/XXXX TO BE REMOVED.

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