vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Good day, I'm appealing for help to understand how it is possible that Credit Bureaus can report inaccurate information on Consumer Credit Reports. 
A Bankruptcy is reported in my Transunion Credit report and my XXXX Credit Report, and how is not reported in XXXX Credit Report? That mean Credit Bureaus report whatever they want, is not matter if is accurate or not. Also Bankruptcy Court don't share information with Credit Bureaus, having said that they should get the information from the same Furnisher.

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 2019-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I actually spoke to the representative from this debt collector, and I wanted to know who to contact about 3 accounts that are saying they are from me when I never even had a XXXX  XXXX account, an XXXX XXXX XXXX account and the one of XXXX XXXX for XXXX XXXX that said it was from 2 years ago ... I have not lived in XXXX XXXX since 2014. None of these reports are me, so I think my identity has been taken and I need to know what to do for a dispute because it's really affecting my credit score!

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 2019-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I have made Flagship Credit Acceptance aware many times I had a paycheck garnishment last year and I am in the process of trying to get back on track and pay my bills on time but it takes time. Each month 4 days after my car loans due date I start receive multiple calls a day a minimum of 4 with as many as 7 or 8 a day wanting payment for my car loan. I am not 30 days past due and I have told them I cant make payment arrangements because Im living paycheck to paycheck but I will pay you. These calls start at XXXXXXXX eastern time and they end around XXXX eastern time. They will call from multiple phone numbers throughout the entire day harassing me. The calls only stop once I make a payment arrangement. When you talk to someone they dont find ways to help you they just demand a date for payment and secure a payment method.

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 2019-10-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have credit reports paid for since 1994 the data breeches from the major credit reporting agencies are at fault trying to correct the issues every time credit has been denied for no valid reasons, action were to make a statement on the credit report as follows : I do not make any payments for any financial obligation myself, I trust in my Spouse that has paid all financial obligations since marriage, Because l have limitations that do not allow me to perform these duties as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I get called every single day from this debt collector. XXXX XXXX XXXX calls my phone from different numbers every single day. I have told them to stop calling. This debt is from my ex-husband 's that he is responsible for since our divorce in XX/XX/2016. I have sent them my divorce decree multiple times but nothing prevails. This is harassment and I am not even responsible for the debt which was purchased from 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 2019-10-09 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: MD

Complaint narrative:
I Applied for credit with XXXX XXXX XXXX Credit Card XX/XX/2019. They approved the card but moved the status to pending. So I was told that I needed to call Experian because I had a fraud alert placed on the account. I had this alert placed on the account to protect my account because Experian had been hacked and my account had been compromised. So I was given the contact number by the XXXX XXXX account rep to contact Experian at XXXX first off its very challenging getting a live representative on the line it took 5 phone calls and navigating through a endless stream of menus. Finally I got in touch with a rep and explained that I had applied for credit and needed to update my fraud alert because it did not have my phone number. When I initially set up the fraud alert on my account my main contact number was requested as part of signing up. So Experian was remiss. So she proceeded to ask 3 questions to authenticate the account I answered the 3 questions. The rep then explained that I had answered the questions wrong. My response was that I had answered the questions correctly and the problem was not that I had answered the questions incorrectly but the third party did not have the right information or marked a question that was accurately answered as wrong. I think the question in reference to my tag number they had was correctly answered but the third parties database marked it as being wrong and I said it correctly. So then I asked when could I called back to try again she replied that she could not give me that information but she would notate the Experian database so other reps would not allow me to add my phone number and that I could not call again. I would like for my report contact information on my Experian credit report to reflect accurate information according to the Fair Credit Reporting Act. It does not have my correct contact number XXXX posted on the fraud alert as it should. Why do they make it so difficult to do such a simple task as add a phone number.

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 2019-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
I am not familiar with this items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I MA DESPERATELY TRYING TO GET INTO A NEW HOME WITH ALL MY SAVINGS IN ESCROW AND MY LIFE IS UPSIDE DOWN BECAUSE OF YOUR COMPANIES MISTAKES. I AM A VICTIM OF IDENTITY THEFT. 

I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. The information is inaccurate and incomplete. AS THERE ARE DIFFERENT LISTED OPEN DATES AND ACCOUNT NUMBERS BETWEEN THE DIFFERENT BUREAUS. therefore I don't even know what this is. 

Acct number- XXXX OR XXXX with open dates listen from XX/XX/2018 to XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC

Complaint narrative:
XX/XX/2019 Cavalry portfolio services called asking for my father, do I know this person ect. I said I did he was my father, they hung up on me. My father died last month. I phoned them back XXXX which is the number that called. I asked why they were calling me about my father. I said he past away, they said you need to send us his death certificate now. I don't know who would be doing this, is it a scam? I told them never to call me again and then they asked for my number,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
I revoked ACH privileges on XX/XX/19 so I can negotiate a lower settlement. I'm now being threatened by Mypayday loans that as a result of me revoking ACH privleges that is the same as writing a bad check. I do not believe this is the case since mypayday loans should not try to process the ACH payment. This is my understanding. Please see their Email to me Below : Minimum Payment now due : XXXX Account Balance : XXXX Please be advised. 
Bank Returned Payment due to Authorization Revocked As a result, your advance with us has been in default since XX/XX/2019. 


We understand that banks can be confusing with credits, debits, direct deposits etc., and mistakes happen to cause non-payments to occur. We know that this accidentally happens at times and we would like to give you a chance to clear this matter up. However, this default has been reported and it will hinder your check writing privileges. Please contact our offices IMMEDIATELY to make full payment or at least the minimum payment in order to bring your account back up to date and have the negative check removed. Please call me at XXXX or email so we can continue to have you as a valued customer and avoid unpleasant repercussions as a result of this payment oversight. 

Keep inmind that an ACH transaction is the same as writing a bad check, and it will be treated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have credit reports paid for since 1994 the data breeches from the major credit reporting agencies are at fault trying to correct the issues every time credit has been denied for no valid reasons, action were to make a statement on the credit report as follows : I do not make any payments for any financial obligation myself, I trust in my Spouse that has paid all financial obligations since marriage, Because l have limitations that do not allow me to perform these duties as I should.

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 2019-10-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have credit reports paid for since 1994 the data breeches from the major credit reporting agencies are at fault trying to correct the issues every time credit has been denied for no valid reasons, action were to make a statement on the credit report as follows : I do not make any payments for any financial obligation myself, I trust in my Spouse that has paid all financial obligations since marriage, Because l have limitations that do not allow me to perform these duties as I should.

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 2019-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX I was sent an offer from Capital One to apply for a credit card. Upon submitting my application, I was approved for a Secured CC. I was advised at that time that I would be considered for a credit line increase, to be switched to an unsecured account within in 5 months, and that this was a procedure done to establish a relationship between Capital One and myself. I did receive the credit line increase, but the account status change didnt occur. Ive reached out Capital One multiple times over the span of our two-year relationship to inquire about my account being switched from secured to unsecured. On XX/XX/XXXX I reached out to Capital One to make a final inquiry about my account being upgraded. I spoke with Senior Account Supervisor XXXX @ approximately XXXX XXXX EST. XXXX continuously advised the me to apply for a new account stating, its much more difficult to have your account upgraded to unsecured than it is to apply for a new unsecured account. I specifically asked XXXX does Capital One periodically upgrade secured accounts from secured to unsecured? XXXX response was yes but not at this time. Ive had my account in GREAT standing ( never missed a payment ) throughout the entire time of my account history. The only recommendation the anyone at Capital One has made is for me to apply for another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened my account at the end of XX/XX/2019 because of a {$200.00} sign on promotion ( I have screenshots of the promotion ) and had to have a direct deposit of {$500.00} or more within 60 days of opening the account and I will receive {$200.00} in 90 days. 
On XX/XX/2019 I had a direct deposit of {$850.00}. 
On XX/XX/XXXX I called asking why I did not receive my bonus. They told me three different reasons that were not true so I argued, they said I was right and they made a mistake in their system and they submitted a ticket. After the days I called back and was told I'd get the money that day. The next day when I didt get it I called and was told I need to wait 3 more days to receive another call. They just keep telling me theres nothing they can do and it's been a week now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I received a repayment plan from Select port Folio stating when the first payment is due. The payment amount I was given exceeds the payments that is within the guide lines of the mortgage modification payment. I feel I'm being discriminated against and being treated unfairly. I m aware of the guideline and the Consumer Protection oversight for mortgage modifications. I want to pay my mortgage and become current on my mortgage. 
Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We were doing a loan modification with Freedom Mortgage we our first payment in the middle of XXXX for XXXX because our trial payment started in XXXX we made all our payments from XXXX to XXXX. Ever time we made a payment we called and made for sure they got the payment they verified they got the payment ever single payment in XXXX they sent us the paperwork to sign because they approved the loan modification and they even sent a notary to our home so we could sign the paper with there company for modification aproval in XXXX we they got there last payment for the trial period we received a denial letter they did not get there payments but we have proof every we made a payment we called them. Ever time we made a payment we called and made for sure they received and they acknowledged that they received the payments with every phone call.

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 2019-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hewitt-Capital
State: CA

Complaint narrative:
I received several missed calls in the last week that led to voicemails telling me I needed to contact a XXXX XXXX back the he was a from a law firm dealing with a pre-legal matter before they file a lawsuit against me. I called him back and spoke with him, he told me he was attempting to collect the money I owed XXXX. That I committed fraud against them and they'd be filing a lawsuit if I didn't make arrangements with him. I told him I wasn't sure what, if anything I could do and wouldn't know at the moment due to a court case with my ex I was in. He said he'd call back next week and see how low he can get it. 
The next week came and I again wasn't able to pick up my phone ( I already explained to him it's our busy season at work and I can't be on my phone ). He left a message again and continued to call 3 more times. He then proceeded to call my Aunt and Uncle and left a Voice mail on their landline saying I was in a lot of trouble and he was trying to locate me. Then said I owed a lot of money to them and I was on the run.

Mr. XXXX not only false identified himself as a lawyer, he threatened legal action, called multiple times including my place of employment and family members, and he actually left messages to my family members stating untrue facts.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
Sallie Mae calls me several times a day to collect a past due amount. 
I have asked if they can work with me by enrolling me into an Income-Driven Repayment schedule, similar to XXXX and XXXX  They informed me Sallie Mae is a private company and does not offer this option. 
Ok, I understand this. 
However, they collected {$150.00} a month from me for several months as a " good faith payment ''. 
They led me to believe this payment was going towards my loan amounts. 
It was not. 
It was simply a fee to keep Sallie Mae from reporting my loan to the credit rating bureaus. 
Once I found out this fact, I stopped making the payments. 
My total due each month is close to {$700.00}. 
I asked again if they can lower payments. They informed me they could lower the payments to {$350.00}. I told them this was not feasible for me. 
They threatened to report me to the credit bureau and destroy my credit. 
In the meantime, they have raised the interest rate on my loan to 10 %. 
They have called my parents several times. 
Today, on XX/XX/XXXX they called my parents home again. 
I called Sallie Mae and asked them to stop calling my parents, they are NOT cosigners on the loan and therefore they should not be involved in their attempts to collect a debt from me. 
Sallie Mae informed me they use a " phone book '' service to reach out to people with similar names if I am not answering the phone. 
I speak with Sallie Mae at least three times a week and each time I tell them I can not make payments at this time due to financial hardship. They have no right to call my parents. 
They have called my business partner as well which was very embarrassing and could have cost me my livelihood. 
I am currently working with a debt relief company to settle this account and have asked Sallie Mae to stop calling my parents. 
They refuse and I think this is total harassment and bullying. 
I understand I owe this debt. I received a loan for my education and it needs to be paid. However, I do not need to be bullied. I do not need to be harassed several times a day with a phone call from Sallie Mae, and I do not need my parents and business partner receiving these phone calls as well. ESPECIALLY when I speak with a customer service rep from Sallie Mae several times a week. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: CA

Complaint narrative:
Tried to use Experian 's Security Freeze website to freeze my credit. Provided the same information used to successfully freeze my credit at XXXX. Was notified they were unable to honor my request without providing any feedback or recourse except to send highly confidential information via mail and wait some unspecified period of time, which leaves me open to identify theft.

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 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have a vehicle that was pd off a yr ago and have the proof of it and there saying I owe XXXX West lake financial

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/2019 I accidentally flew my card in the cargo bin of an airplane to XXXX XXXX from XXXX, oklahoma. The baggage handlers in XXXX found it and told me it was safe. 

On XX/XX/2019 a purchase of {$190.00} was made via my credit card for XXXX XXXX, and another purchase was made of {$21.00} for XXXX XXXX. There was also an attempt to purchase gas and {$400.00} from XXXX. 


On XX/XX/2019 I called XXXX and asked the supervisor to search my wallet, and he confirmed my credit card to be missing.

Company response to consumer: Closed with explanation