vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent over letters to XXXX and Transunion requesting that unverified accounts with incomplete and unknown data be verified. I am receiving emails and results stating that they are verified. The last results I received from Transunion on Monday XX/XX/19 state that the accounts have been verified, however they did not provide the method of verification and completely ignored the request for a signed consumer contract with my signature and all of the incomplete unknown data accounts still remain on my credit report. The same results also happened with XXXX. I also received a letter from XXXX they they will not investigate the matter further. With a prior dispute with XXXX, 2 of the accounts were deleted, however all of the other accounts containing the same incomplete unknown data were left on.

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 2019-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I believe I was also impacted by the recent scandal and Class Action Settlement whereby my mortgage payment was changed while I was under Chapter XXXX and PRIOR to the loan modification request. According to the bank, it recently reached a settlement in the pending class-action suit, which accused the bank of improperly filing mortgage payment change notices on borrowers who were in the midst of Chapter XXXX bankruptcy proceedings.The complaint alleged that the bank engaged in fraud, violations of bankruptcy rules and laws, and unfair and deceptive trade practices by improperly and unilaterally modifying the mortgages of the bankrupt borrowers. Before I filed bankruptcy my monthly mortgage was approximately {$1500.00}. During my Bankruptcy, I received the attached 2 statements that my payment was increasing.

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 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been trying to resolve for a long time. 

Please find FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I have sent certified letters via mail time after time after time requesting this false information be removed from my credit report as they are not able to verify that the debt belongs to me. No one has responded or honored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: Nelnet, Inc.
State: CT

Complaint narrative:
RE : FIRSTMARK SERVICES NELNET Inc. D
ear CFPB : There is an account listed as Firstmark Services that does not belong to me on my credit report. Firstmark services is a division of Nelnet.

I had federal loans that where consolidated, Nelnet no longer has servicing rights because the loans are with another servicer. Yet, their is still credit reporting activities going on with Nelnet and the credit agencies. The individuals at Nelnet/Firstmark are conducting illegal student loan collection and credit reporting. 

They said I had a loan with XXXX and I attended the University of XXXX when I got the loan. This is false, I had never had a loan with XXXX. Yet they continue to say I am past due and failed to pay. 

At this time I am consulting with an attorney who is experienced in student loans and credit reporting. I am bringing this to the attention to the CFPB because I believe their is an individual at Nelnet who is engaged in illegal credit reporting activities and collection. 

The CFPB must investigate who is responsible for unfair, deceptive practices at Nelnet Inc. My attorney will be contacting them or a civil law suit may commence against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent over letters to Experian and XXXX requesting that unverified accounts with incomplete and unknown data be verified. I am receiving emails and results stating that they are verified. The last results I received from XXXX on Monday XX/XX/19 state that the accounts have been verified, however they did not provide the method of verification and completely ignored the request for a signed consumer contract with my signature and all of the incomplete unknown data accounts still remain on my credit report. The same results also happened with Experian. I also received a letter from Experian they they will not investigate the matter further. With a prior dispute with Experian, 2 of the accounts were deleted, however all of the other accounts containing the same incomplete unknown data were left on.

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 2019-03-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
XXXX XXXX is the new loan servicer on an alleged reverse mortgage on my mothers home. There is court action at present. XXXX XXXX has continually knocked on my mothers door. Pounding on it for her to fill out an annual occupancy form. The normal route would be to send it in the mail. These people have no ID, will not leave a business card and for the first 2 weeks would not leave the form. 1 person did tape it to the door. My mothers Attorney has contacted XXXX XXXX   prior to this to inform them all communications will be handled through his office. XXXX XXXX  has chosen to ignore this. The annual occupancy form was filled out and given to my mothers Attorney who did in fact forward it to XXXX XXXX. He has proof of receipt that XXXX XXXX  received this form. XXXX XXXX is continuing to send people to knock on my mothers door. We do have cameras and a ring door bell. All of this is recorded. My moms Attorney has been informed of this as well. At this point XXXX has received the document they requested and any further door knocking is harassment, senior abuse and scare tactics. My mother is a senior citizen and does not open the door as most seniors do not .She is also represented by an Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Fraudulent activity occurred on my account and a fraudulent New Mexico, XXXX address was part of the fraud. Two credit agencies removed this address as being a former address of mine but Equifax continues to list it as a former address of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: TX

Complaint narrative:
I am requesting that the items be blocked to correct my credit report. I also request that XXXX/XXXX XX/XX/XXXX, {$3000.00} XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, I'm asked the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquiries I need to contact the company and I did the company said dispute it with the bureau so I don't know what to do please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On or around XX/XX/XXXX Citi Card ( Thank you Card ) sent my bank an e-bill of {$2600.00} when my balance was only around {$610.00} and some changes, on XX/XX/XXXX I've contacted my bank and was told Citibank sent them an e-bill ( electronic request ) for the amount of {$2600.00}. After that I contacted Citi Card customer service, and requested the refund, I was told it would help in 3 to 5 days, I made clear that money was allocated for other bills and needed it ASAP, they said they would expedite it, but nothing happened. 
I have called 4 more times, phone call and electronic calls ( chat services ), nothing happened, and finally today, once again I was told it will take 3 to 5 days.

This is a business relationship, I pay fees if I'm late, i pay interest on balances, this is not a family or friend favor. 
They have been misleading and about the process, always excuses and never a solution.

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 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I had a lease with XXXX XXXX XXXX in XXXX XXXX, FL. After months and months of complaining, the office manager XXXX XXXX told me in person I could break my lease with a 15-day notice and no penalties. I also have this via email. She has now backed out of it. I gave my 15-day notice, and she has sent me to a collections agency, NCC Business Systems. NCC is stating that the office manager was not allowed to tell me that I could break my lease. They're stating that I needed to go to XXXX XXXX XXXX. This is inaccurate information, and nobody is helping me, even though this is in writing. XXXX XXXX has been with this apartment complex for many years, and she knows what she does and doesn't have permission to do. And if that is the case, it is between XXXX XXXX XXXX and XXXX XXXX. 

I made this decision to move forward because of her email and her promise to me. I can not pay the {$3000.00} they are trying to collect from me. And they are also threatening to damage my credit over this. 

I have several emails and complaints about this property that were never handled. Please reach out to me if you would like more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
We started proceedings to rid ourselves of two timeshares in XX/XX/2017. XXXX XXXX was given {$10000.00} to get us out of the unwanted timeshares Their Phone # XXXX. XXXX XXXX. I spoke to XXXX and was told " do not pay the credit card for XXXX ''. 
The credit card amount of is {$600.00} as you see I made a payment of {$120.00} before we started proceedings. XXXX gave a discount if you used the XXXX XXXX  credit card. So we set up the credit card. After going to XXXX we were bombarded by their sales people to buy more weeks for 8 or more hours, which took up so much of vacation time that we decided to get out. When we were originally bought into XXXX they told us the resort timeshare " could be given to our children. ". No mention of my children would have to take them. We asked our 2 boys if they wanted the timeshares they both said absolutely not.. So we stopped payment of Card and we began getting calls from Portfolio Recovery XXXX. They have been calling weekly, even after telling them to call my Lawyer. Along with other unwanted calls and robo calls my phone is constantly ringing. I am to the point that I don't even answer the phone. I made a recording telling people to leave their name and phone number just so I don't answer the phone. All this trouble with Portfolio Recovery, my credit score was close to XXXX now it is down to around XXXX. Anyway the calls from Portfolio Recovery are really stressing me out. It is a shame but I have a small business and probably miss a lot of customers because I am tired of all the call. There are some if you answer the phone their is silence and no-one on the phone.. I should also tell you I fell off a later in XXXX was hospitalized twice and am still recovering. Which also makes it hard to answer the pone when they are unwanted calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Have had credit card account with Discover Card since XXXX, never a late payment, always paying much more than the minimum due. Card initially opened as a secured card and with my responsible behavior, security deposit returned and credit limit increased to {$1200.00}. Since, opening the account in XXXX, my negative credit has remained the same, and I have had only positive trade lines since XXXX. On or about, XX/XX/XXXX, the automated review at Discover Card reduced my credit limit to {$500.00} based on the same negative information from when the account was opened in XXXX. 

With all of my positive trade line information, and the addition of two accounts at XXXX XXXX, my Discover Card credit limit should have only increased and not decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America is my EBank and I use a debit card. On XX/XX/XXXX I purchased cigarettes at XXXX XXXX  for {$8.00}, but it took 2 days to process and did not come off my balance immediately like ALL OTHER transactions do! I believe they are up to something since I just started having my XXXX XXXX bill taken out of my account every month on XX/XX/XXXX. This is why I have avoided Auto Pay in the past! I did not get the screenshot that shows the balance, but do have the processing shot! I am XXXX and live on XXXX. Please keep an eye out for other complaints. 

Thank you XXXX 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 2019-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I've asked this company to stop contacting me via their online contact us form ( twice- most recent was yesterday ) and through physical mail ( mailed XX/XX/2019 ) and told them that they may contact me via email or mail ONLY. They repeatedly call me, my husband and my WORK EVERY DAY! even AFTER I told them not too!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a membership with Experian and attempted to dispute an issue on my credit report. I wrongfully had a debt that was lied about put on my credit report by XXXX while XXXX overseas serving with the US XXXX ( XXXX to XX/XX/XXXX ). Upon my return I tried to resolve the issue and was told if I paid the debt to XXXX they would remove it from my credit report, so I did in XX/XX/XXXX ( the amount was roughly {$70.00} ). I have recently discovered that the mark is still on my credit report ( XX/XX/XXXX ). For the past month I have tried to solve the issue with Experian due to having a membership with them. After about two weeks of trying to get ahold of someone to talk to I was able to file a dispute which did not allow me to upload documentation. I was then informed today that my dispute was rejected partly due to lacking supporting documentation ( XX/XX/XXXX ). I tried to dispute the result but after an hour on hold I was told that I must file an entirely new dispute. I am still serving in the US XXXX XXXX and am currently located in XXXX. Attached is a copy of my XXXX orders from my 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 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On XX/XX/19 I received a call from XXXX XXXX NMLS # XXXX from Quicken Loans. Every few months I get soliciting phone calls from them as I am an existing customer. He said he was going to do some research on my property and get back to me. Five minutes later I got an alert that someone pulled my credit report. I called him back because we never spoke about running my credit. He called back and sai he listened to the phone conversation and that I gave permission. Knowing he was lying I called The executive offices and spoke to XXXX XXXX. After Mr.XXXX looked into it he called me back and said I never gave permission or even spoke about my credit. Mean time my credit score dropped. I was in the process of buying a new csr. My intrest rate went up due to the decrease in credit score. I then just went to put my motorcycle on the road for the season and found out my insurance went up {$230.00} due to my credit score decreases. I After not getting anywhere with XXXX XXXX I called his boss XXXX XXXX and got nowhere with him I called his boss XXXX XXXX. She thinks just by trying to remove the Hard inquiry it will make things better. She also told me she is the highest in the company I can go. I know that's a lie. These three people are professionals in hide problem from the top executives. This has put me in a finacial bind and anything in the future will cost me more money due to my credit score. Please see attached letter from XXXX XXXX admitting that XXXX XXXX had no authorization to do a hard inquiry on my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Capital Alliance Financial, LLC
State: NY

Complaint narrative:
This place is a scam. They offered me a XXXX loan and said I had to buy XXXX XXXX   because of problems with my credit. They took the logo and name, XXXX XXXX XXXX, from a machine finance company in XXXX which when confronted with they denied. He then asked me to go get a XXXX XXXX card to pay the XXXX XXXX which sent up red flags. The guy I was talking to was named XXXX XXXX and his number is XXXX. I'm sure it's not his real name as he had a thick XXXX accent. They are preying on people like me who are in financial straights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX called I finally answered it wasnt sure if it was a scam and they call everyday and all hours of the day including after XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 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: DC

Complaint narrative:
My wife and I both froze our credit with all three credit bureaus after the XXXX   information hack in 2017. Recently, we decided to purchase a house and needed to unfreeze our individual credit reports. Because we are residents of the District of Columbia, Experian would not allow us to unfreeze my credit report over the internet and required each of us to send our personal information to their PO Box address, including social security number, a copy of a government ID, the PIN number we created with Experian when we froze our credit and a copy of our recent banking statements. I sent all that information on XX/XX/XXXX through registered mail and received notice from the US Postal Service that it was received on XX/XX/XXXX. As of XX/XX/XXXX, our credit report with Experian has not been unfrozen and I have been given no notification about why not. Experian provides no customer service phone numbers to contact about this matter and all attempts to contact them are routed into the automated service menus. All attempts to reach someone to speak with at Experian have been rebuffed. Experian is providing literally no way for us to resolve this matter.

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