vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 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: FL

Complaint narrative:
I have send several letters to Equifax, disputing errors and asking to fix my credit since a litle over 4 months ago they erased my credit history, though intentionally hurting my credit report and my ability to get credit, i have file two other complains to CFPB, send already 3 letters directly to them with a copy of the report my driver license, SS card, yet 4 months later my credit is not fix and still reports only two accounts, i am a responsible person that work hard to build my credit and this company refuses to fix their error, only two accounts are reporting, I just open my business and got I got deny credit for not having a credit history letter is attach.. see below what they report only two lines of credit Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX  XXXX XXXX {$3500.00} - Revolving Current XXXX  XXXX You have 1 Closed Account Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Portfolio Recovery, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account.

This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied.

This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then XXXX XXXX XXXX  has no claim.

I hereby irrevocably refuse to consent/contract to XXXXXXXX XXXX XXXX agency because there is no law required for this consumer to do so. Until XXXX XXXX XXXX agency can provide a lawful authority by which this consumer is subject to comply with submitting to XXXX XXXX XXXX or jurisdiction in violation of my rights to be free of involuntary servitude.

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) XXXX XXXXy is hereby warranted to Proof of Claim in Arbitration.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MA

Complaint narrative:
Westlake financial has been issues with there online system for months at least for me now I'm behind trying to pay them cash at a XXXX XXXX store which costs me XXXX at a time. I try paying online dont work. Then they charge fees which I want cleared already complained XXXX and attorney generals office. I pay cash at small amount to make sure it clears at system. But to pay online it dont work. I've heard bad stuff about this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have several businesses that have taken me into a deep XXXX. I started working on my credit last XX/XX/XXXX and have gotten my record pretty accurate. I got my first credit card in XX/XX/XXXX and it was in good standing up till XX/XX/XXXX when XXXX XXXX decides to close the account at no real logical explanation. XX/XX/XXXX I opened a XXXX XXXX account and during our business relationship we had some major communication issues and XXXX belittled me up until XX/XX/XXXX when I was notified they no longer want to do business with me! Both accounts were somehow involved with a XXXX fraud account that had applied these two to the fraudulent accounts and was debiting tedious amounts that took some months to notice. I contacted XXXX in XX/XX/XXXX to advise them of the fraud accounts and XXXX alleged to investigate the events and take action. I made several calls up to date and the accounts still reflect in my name. I dont understand why Im being done like this. I call and made complaints with all of them and have documented proof. I was part of the XXXX data breach and possibly the XXXX XXXX yet they do not care that this is not my fault. I can not get a bank account because allegedly Im in XXXX XXXX but the report I got from said XXXX XXXX does not reflect much that renders that decision. Im so terribly confused at the turn of events and the level of treatment I have received. I just learned I was also part of the XXXX data breach from XXXX and was never notified. I have been on top of my credit and these listed accounts and they have dismissed me with no explanation that could help me fix the issue or offer up logical explanation. I have written cfpb and called FTC filed a identity theft report and offered it when necessary. Hand in hand these financial agencies have black listed me and shamed my name for what seems to me what is called a risk factor that I had nothing to do with. They all claim to have fraud prevention liability ect. Im a victim of that Fraud they speak of and they show no sympathy even if possibly at fault. I can not get a credit card for the life of me. I have been postponed starting college do to all this stress and confusion. The literature I have read in these regards is mind blowing conspiracy type incidents. Cupful explains they hold the rights to do what is listed above. What happen to our rights that clearly hold no purpose when exercised? Trust? Act? Privacy? The rights to be heard? The right to know whats being used against me on file? In the USA we call it the land of the free and our constitutional rights are implemented to help us remember! Why and to whom? This is all so pathetic and I truly believe this is rigged to keep poverty where we come from wow how rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$620.00} DateUpdated : XX/XX/XXXX Original Amount : {$620.00} Original Creditor : XXXX XXXX XXXX ( Rental/Leasing ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX The account is scheduled to be removed from my credit report in XX/XX/XXXX. 

I filed a new investigation the account on my Transunion Credit Report in XX/XX/XXXX, but the dispute came back as already verified. When, where, how, the account was verified is not included. The account holder, nor Transunion have not supplied me with any supporting documents from the company about the account. To simply state the account has previously been verified is not a new investigation, nor is it proof of debt. The debt is far past the 3 year statute of limitiations in both North Carolina ( the state where the account was held ) and South Carolina ( the state in which I currently reside ).

Transunion says that I may leave a statement on my credit report, but there is no active links to do so. I am continuously rerouted to my previous dispute. I am not sure how else to proceed.

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 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I contacted Mitchell d. Bluhm on XX/XX/XXXX and advised that this debt was part of a bankruptcy, case # XXXX and it should not be reported or collected on any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: GA

Complaint narrative:
Hi Equifax keeps posting studendent loan debt that was closed and paid as transferred. The debts that are paid and closed is the same debt they have open with the amount list and saying transfer. This is really affecting my score and Im fussy on social security Ive tried getting apts etc and denied I need them to verify these open or closed student loans that was consolidated yrs ago and paid and updated their re its

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: KY

Complaint narrative:
I have several businesses that have taken me into a deep XXXX. I started working on my credit last XX/XX/XXXX and have gotten my record pretty accurate. I got my first credit card in XX/XX/XXXX and it was in good standing up till XX/XX/XXXX when capital one decides to close the account at no real logical explanation. XX/XX/XXXX I opened a XXXX bank account and during our business relationship we had some major communication issues and XXXX belittled me up until XX/XX/XXXX when I was notified they no longer want to do business with me! Both accounts were somehow involved with a XXXX fraud account that had applied these two to the fraudulent accounts and was debiting tedious amounts that took some months to notice. I contacted XXXX in XX/XX/XXXX to advise them of the fraud accounts and XXXX alleged to investigate the events and take action. I made several calls up to date and the accounts still reflect in my name. I dont understand why Im being done like this. I call and made complaints with all of them and have documented proof. I was part of the XXXX data breach and possibly the capital one yet they do not care that this is not my fault. I can not get a bank account because allegedly Im in XXXX XXXX but the report I got from said XXXX XXXX does not reflect much that renders that decision. Im so terribly confused at the turn of events and the level of treatment I have received. I just learned I was also part of the XXXX data breach from XXXX and was never notified. I have been on top of my credit and these listed accounts and they have dismissed me with no explanation that could help me fix the issue or offer up logical explanation. I have written cfpb and called FTC filed a identity theft report and offered it when necessary. Hand in hand these financial agencies have black listed me and shamed my name for what seems to me what is called a risk factor that I had nothing to do with. They all claim to have fraud prevention liability ect. Im a victim of that Fraud they speak of and they show no sympathy even if possibly at fault. I can not get a credit card for the life of me. I have been postponed starting college do to all this stress and confusion. The literature I have read in these regards is mind blowing conspiracy type incidents. XXXXupful explains they hold the rights to do what is listed above. What happen to our rights that clearly hold no purpose when exercised? Trust? Act? Privacy? The rights to be heard? The right to know whats being used against me on file? In the USA we call it the land of the free and our constitutional rights are implemented to help us remember! Why and to whom? This is all so pathetic and I truly believe this is rigged to keep poverty where we come from wow how rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi XXXX keeps posting studendent loan debt that was closed and paid as transferred. The debts that are paid and closed is the same debt they have open with the amount list and saying transfer. This is really affecting my score and Im fussy on social security Ive tried getting apts etc and denied I need them to verify these open or closed student loans that was consolidated yrs ago and paid and updated their re its

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 2019-09-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi XXXX  keeps posting studendent loan debt that was closed and paid as transferred. The debts that are paid and closed is the same debt they have open with the amount list and saying transfer. This is really affecting my score and Im fussy on social security Ive tried getting apts etc and denied I need them to verify these open or closed student loans that was consolidated yrs ago and paid and updated their re its

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
My name, social security number ect were used in identity theft rheir for i can't apply with postmates

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 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/2019, my mother passed away, unexpectedly. As she did not have a will and her estate was well under {$100000.00}, I was able to fill out a Small-Estate Affidavit pursuant ot 755 ILCS 5/ART. XXV of the Probate Act, Illinois compiled statutes, as amended by Public Act 98-0836. I had the affidavit notarized at the XXXX County Court House in XXXX, Illinois, on XX/XX/2019. I then took the affidavit to the PNC Bank branch at XXXX XXXX XXXX XXXX in XXXX, Illinois, in order to close out her account so that funds would be available to pay her remaining bills and funeral expenses. The funds, in her account, are as follows : {$10000.00} in checking and {$1100.00} in savings. I was told that the affidavit would be submitted to their legal team for review and the funds would only be released once approved. I waited until XX/XX/2019 to contact the bank again as I had received no response. I was told that the affidavit needed to be updated to include the exact amount of money in each of her accounts so I did as instructed and submitted an newly notarized copy to the PNC Bank branch XXXX XXXX XXXX XXXX, XXXX, Illinois, on XX/XX/2019. I waited until XX/XX/2019 and contacted the XXXX branch as I had still not received any communication from PNC and was told that the documents were still under review. I then contacted PNC Bank on XXXX ( as I could find no other way to contact them ) and was told I would hear something within two days but as of XX/XX/2019, I have heard nothing. In the meantime, my mothers accounts are accruing late charges and I am unable to even purchase a headstone. This is unsatisfactory and I feel PNC Bank is unlawfully holding her accounts in violation of 755 ILCS 5/25-3 ( recovery upon refusal to pay or deliver ). I would seek the assistance of an attorney, however, I am unable to afford such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Todd, Bremer & Lawson, Inc.
State: VA

Complaint narrative:
I am getting calls from " XXXX '' with the Todd, Bremer & Lawson , Inc. law firm in regard to my student loan with XXXX XXXX XXXX College. They have reported an incorrect amount with a balance increased over {$1000.00}. The loan is through XXXX and the loan service is deducting a monthly payment from my account. This company is has been trying to get me to send my loan through another company. My loan is being paid and I have paperwork to show the payment. 

This " XXXX '' person has made threats that it's effecting my credit, which it isn't and it is not on my credit. I have gotten paperwork from them with chicken scratch handwriting. I'm not sure who they are and I called the loan company and they didn't have the so called law firms information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: AES/PHEAA
State: TN

Complaint narrative:
I have had some assistance lowering my payments with AES. I fell that my loan should be forgiven. I have paid on it consistently. I do not have a big-money job. I have recently been diagnosed with XXXX or the XXXX in my XXXX. I will most likely go on XXXX, as I can not perform the tasks that my job requires. I have been working with the TN Department of Human Services-Family Assistance for 14 years. no loan forgiveness because no one told me that my loans were not consolidated correctly for that program. I am going through a divorce and will most likely have to sell my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
On XX/XX/2019 I contacted Amerisave to ask how long I had to be in my current FHA loan before I could refinance. I was told " 6 months. '' Told that representative I was at work and couldn't talk at the time. XXXX XXXX called me after XXXX MST to go over the requirements. She knew it was a current FHA loan but said " Its fine we can proceed. '' questions and " approval '' took hours and led into more communication on XX/XX/2019. She stated she'd worked out all of the numbers and that I'd just need to pay the Application fee. Once application was complete, my current lender reached out to me stating the whole application was invalid based on FHA 's strict guidelines that the loan had to be over 12 months old to apply for a refi. I then attempted to call XXXX XXXX, Amerisave and XXXX 's Manager.  No on was ever available to help again. I am just requesting my {$500.00} application fee be returned based on the fact that I proactively called asking about the guidelines to the " professionals '' who should have known the lending guidelines. I have no desire to work with this company in the future ever again and would just like my funds returned.

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 monetary relief
Consumer complaint received 2019-09-16 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: AR

Complaint narrative:
IN XX/XX/XXXX EQUIFAX DATA BREACH CAUSED ME OVER {$26.00} XXXX IN DAMAGES AND HAD TO FILE CHAPTER XXXX BANKRUTCY AND WERE XXXX AND EQUIFAX WERE NAMED AS 3RD PARTY CLAIMS, BK NO.XXXX, TRUSTEE RELEASED CLAM ON XX/XX/XXXX TO COLLECT SAID DEBT TO CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Since XXXX I have been fighting with XXXX to remove a fraudulent account from credit acceptance Corp. I took them to court in XXXX and I won the case as they were UNABLE to verify this account! So originally it was on all three bureaus but XXXX an XXXX did remove but XXXX keeps saying that they have verified this account and IT IS mines! But that is NOT possible as I not only took them to court but that also had been garnishing my check and ended up having to refund all of my money that they stole from me! So please help me I have requested the verified info XXXX told me they do not physically verify they take the creditors word an thats ridiculous because I need to know what they are using to get XXXX to keep fraudulently reporting this account it is really hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: NY

Complaint narrative:
The mortgage company said they did not receive my email copies of paystubs. I clearly have proof of the email. I did an Emergency Order to Show Cause at XXXX Court on  XXXX XXXX. The Judge agreed to stop the sale. Midfirst Mortgage sold my house although the order to show cause was signed by a judge. They are liars and dont honor emails or Judge rulings. They lied and sold my home. I think Im having a nervous breakdown. How can they get away with stealing.

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 2019-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Chrysler Capital restricts payments to {$2000.00} or less per day on their online system. This prevents consumers from paying off their loan.

Company response to consumer: Closed with explanation