vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
FBCS continues to call about a debt that has nothing to do with our household. We have repeatedly told them they have the wrong person but they continue to call every few weeks/months. We have verified that the person, address and phone doesnt belong to the person they are looking for, They get incredibly rude when you inform them. I stated 7 times on recording today how can I help you, to which they only want yes no answers. In todays scam market, you cant answer yes as they will use this to sign you up for scams. 

Very unprofessional and would like the harassment of calls for someone elses debt to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In the course of obtaining a car loan today, XX/XX/XXXX, my credit union tried to run a credit report from Experian. They failed to get one generated because there is a security freeze put in place as far back as XX/XX/XXXX. I tried to call Experian Customer Service at XXXX several times but all I got was an automated voicemail, saying that I should request to have my credit freeze removed in writing with paperwork to prove my identity and address. 

I need Experian to remove the credit freeze. It can do so by calling me at 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 non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/ I called Tranunion to dispute a XXXX  bill that did not belong to me. I informed them that a family member used my information without my permission to get electricity on at there residence. A week later I was notified that the acct was closed and now as ofXX/XX/XXXXit is back on my report and is showing that the acct is open.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXXXXXX XXXX  and Lowes have violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I provide XXXX XXXX  and get paid via credit card. Before I accepted the payments, I called my credit card issuers and asked them what is the safest way to get paid and not worry about fraud, as in the past when I got paid by checks, the checks bounced. So I wasclearly instructed not to give any card or banking information. I was told to take the company banking info for payment with a written authorisation to process the payments. I followed the instructions step by step, received the payments, and four and an half months later the credit card companies ( 3 of them ) say that the payments were reversed and that I have to pay back the balance, as it is not their problem to collect the original funds. I called many times and attempted to explain that there is a written authorisation for the mentioned transaction, and that I followed their instructions on payment but they refuse to help and now my credit is getting badly hit. I don't know what else to do. Thank you for your attention to 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 explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: TN

Complaint narrative:
The bank allowed a company to take monies out of my account without my authorization. It was on XX/XX/2018. It was 2 transactions on same day. I do have loan with the company and granted I was late paying but never authorized to take any money out of my account. I NEVER made ANY payments with my debit card. I ALWAYS went into store and paid with cash. They only had my account number for proof of income. Also, the bank allowed them to take money totalling more than my payments would have actually been. When I filed dispute with bank, at first the representative seemed to be stalling me by saying they never received my dispute on document ( which I mailed back immediately ). Then ( my opinion ) when couldn't stall any longer, I was told by representative at the bank that one of the FDIC rules were that ANYBODY that had my account number had the legal right to take money out of my account. Of course I contacted FDIC and was told that statement was outright FALSE ( which I actually knew ). On the 3rd time I checked a supervisor at bank told me that my claim was denied because they ( the bank ) couldn't get documents showing my agreement authorizing the company to take my money. This last " excuse '' for denial made no sense to me because THAT'S EXACTLY WHAT MY DISPUTE WAS I DID NOT AUTHORIZE THE COMPANY TO TAKE ANY MONEY OUT OF MY ACCOUNT SO THERE IS NO SUCH DOCUMENT. The company was XXXX XXXX and they made two unauthorized withdrawals from my account of {$41.00} on XX/XX/18 and {$75.00} on same date XX/XX/18. I immediately notified the bank that these withdrawals were not authorized by me at any time. I also notified company that they did this illegally via email. The response was they would not refund " my payment ''. The bank sent me form to fill out to return and let me know it was time sensitive and I complied within the time frame. My assumption of this is my money was taken as if it were a garnishment and my bank allowed it to happen and to tell me that anybody that had my card/account number could " legally '' take my money at ANY time. This SCARES me and shouldn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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:
This communication is in response to Complaint ID : XXXX with XXXX XXXX. I have received correspondence that XXXX XXXX and they didn't receive any verbal nor written agreement from the original creditor in order to validate the debt as being mine, however I have stated that I don't recall owing them anything, and it is still showing on my report. 

This is a clear violation of my rights under the Consumer File Rights, Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act. If they aren't able to validate the debt, then they need to remove the item from my credit. 

As a matter of fact, I see another company on my XXXX credit report that appears to be collecting the same debt. I'm not even sure what this debt is, neither am I sure of whom I'm supposed to be dealing with in regard to its resolution. 

This item doesn't have enough support to validate being mine, let along negatively impacting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
For the past 6 months, my husband and I have been getting " serious delinquencies '' reported to our credit card companies from the credit reporting agencies which is totally inaccurate and wrong. When we ran our credit reports with XXXX they show absolutely no delinquencies in our accounts ( as it should be ) and have never been delinquent with any of our accounts in over 21 years. When we contacted all three credit agencies, they told us that their records show no delinquencies and no problems and to contact the credit card companies directly to get it cleared up. But when we call the credit card companies, they tell us that the information they have is being supplied by the credit reporting agencies and there is nothing they can do about it. We have been in a vicious cycle between the two groups and no one has been able to help us. Every month I have been hoping that the information gets cleared up but it is still being reported as delinquent for some reason. Somebody somewhere is reporting this and it is erroneous information that is affecting our credit scores. Please help us get this rectified. The credit card companies are XXXX XXXX XXXX  and 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 2018-04-23 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: MA

Complaint narrative:
I am making a request to have All Closed accounts on ALL 3 credit reporting agencies : Transunion, XXXX, and XXXX, DELETED from their databases. 

All three credit reporting agencies have not deleted items off my report since I have requested multiple times for them to do so as they have not provided me the Original Signed Documents for any of the accounts that are listed and would allow them to report any of the accounts on all 3 reporting agencies.

items are past or near statute of limitations and bare no such right to be on my reports at all as accounts are Old, Closed, and have not been deleted and resolved upon my previous requests. 

I have attached the disputes I have sent to them showing details of dates, names of accounts etc.. that need to be deleted immediately.

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 2018-04-23 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: FM

Complaint narrative:
1. Private Student Loan originated -XX/XX/XXXX 2. Repayment began XX/XX/XXXX 3. Faxed in school deferment forms XX/XX/XXXXwith verification of enrollment. ( I have proof of documentation as well as correspondence from Navient of eligibility of deferment ).

4. Was told to make 3 payments of specified amount by XXXX XXXX  ( XXXX ) to make loan current through beginning of school Fall XX/XX/XXXX semester beginningXX/XX/XXXX with registrationXX/XX/XXXX ( I have proof of payments made and account in good standing as well as enrollment verification. )XX/XX/XXXXPayment - {$66.00} XX/XX/XXXX Payment - {$120.00} XX/XX/XXXXPayment - {$100.00} 5. Was First notified on XX/XX/XXXX that loan was in default with no previous contact or notification from Navient except for a " this is not a bill '' statement received onXX/XX/XXXX.

6. I was told on XX/XX/XXXX by representative to resend documentation of deferment ( I have email proof as well who I spoke with ).

7. XX/XX/XXXX loan was charged off without warning and I was notified by XXXX XXXX XXXX.

8. Called Navient, filed complaint, they researched into this complaint and in less than 24 hours without contacting me for any documentation said there was nothing they could do even with the proof of documentation I sent.

9. Currently, 4 law suits against Navient for this exact reason.

10. Please help as it is preventing me from getting financial aide to complete my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
I have sent XXXX  Communication on behalf of a collections account that is in dispute on XXXX2017. I haven't receive any information on the procedures used to verify the account with XXXX XXXX XXXX.

I have sent them multiple communications and have yet to receive anything from them, however XXXX   seems to have been able to verify this information.

At this point, my rights are being violated and these companies are not adhering to the law as they are still reporting to my credit within providing adequate responses within the designated 30-45 day timeframe.

I am having difficulty with purchasing a home and its a result of these negative items that aren't being properly verify. I understand that I'm one person against a huge organization, however my rights are protected. Something needs to be done immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I provide XXXX XXXX and get paid via credit card. Before I accepted the payments, I called my credit card issuers and asked them what is the safest way to get paid and not worry about fraud, as in the past when I got paid by checks, the checks bounced. So I wasclearly instructed not to give any card or banking information. I was told to take the company banking info for payment with a written authorisation to process the payments. I followed the instructions step by step, received the payments, and four and an half months later the credit card companies ( 3 of them ) say that the payments were reversed and that I have to pay back the balance, as it is not their problem to collect the original funds. I called many times and attempted to explain that there is a written authorisation for the mentioned transaction, and that I followed their instructions on payment but they refuse to help and now my credit is getting badly hit.With this company I had two credit cards and they were paid off back last year and closed I don't know what else to do. Thank you for your attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 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: NC

Complaint narrative:
I've sent two dispute letters to EQUIFAX disputing two accounts under the name XXXX XXXX XXXX. These accounts total over {$7000.00} of collections on my account.

I requested validation from XXXX XXXX XXXX. They then sent me a lease without my name on it, claiming it's mine.

The names in the lease aren't even mine. I'm no where on this lease. I've sent TWO LETTERS WITH A COPY OF THIS LEASE TO EQUIFAX, this is a clear violation of my rights under the 609 clause. As it's clear this is not my debt.

I'm now asking the CFPB, FTC and XXXX to step in and demand this comsumer reporting agency delete this account.

I'm attaching a copy of the lease to support my claim, please note in the first paragraph, second line the names of the residents/lessees names.

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2018 I mailed out a validation letter certified mail for the credit company XXXX XXXX to validate not verify info about this debt and the only thing they mailed me back was a bill. I specifically asked for a signed Aggrement and other supporting documents. They provided me with billing which doesnt provide that Im obligated to pay them anything. They have reported delinquent info that reporting to all 3 credit bureaus that Im asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
incorrect phone number reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
My wife received an invoice for ambulatory services ( in a name spelling close to her maiden name, a name that was legally changed to " XXXX '' nearly 10 years ago ) that was issued in the state of Georgia on XX/XX/XXXX for the amount of {$1400.00}. My wife has never been in an ambulance nor visited the state of Georgia. We called upon receiving the invoice to the company listed there in and notified them in these regards. We were told then that it would be investigated and if further information was needed that we would be contacted on the matter.

The ambulatory service ( issuer of invoice ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX invoice send date XX/XX/XXXX TodayXX/XX/XXXX XXXX XXXX PST I received a phone call from : Professional Bureau of Collections Maryland ( XXXX ) XXXX.

In which the collector notified me that there indeed was a collection against my wife for the services ( never received by her ) listed above. I explained the situation to the representative exactly as stated above that my wife had neither ever been in an ambulance or to the state of Georgia. To which she replied that further actions would be taken against us regardless of claims made by us.

I called the number listed on the invoice promptly moments after and explained again the situation at hand and was informed by their representative " XXXX '' that she would have her supervisor investigate the matter further and contact me directly if any additional information was needed.

Company affiliated with the company issuing the invoice : XXXX XXXX XXXX ( XXXX ) XXXX.

While on the phone to XXXX XXXX XXXX  I received another phone " robo call '' " unknown debt collector '' that merely stated to call the listed number below because legal actions were pending against me.

( XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
why didn't this company ( ocwen ) show you all the history of the payments that they have since XXXX and how is it possible that a company not know that they paid a year early of taxes NO I do not accept there response this company needs to show you proof of all the transaction of payment history they have done in my loan since XXXX where it goes from XX/XX/XXXX is where the loan went from XXXX to XXXX, plus and then XXXX, plus on the prior principal balance when it should of keep going down from XXXX because each month a payment was being paid the principal balance should of gone done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: AZ

Complaint narrative:
I was getting a divorce The lender would not work with me The loan was an adjustable rate mortgage at the last minute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: NC

Complaint narrative:
I've sent two dispute letters to Experian disputing two accounts under the name XXXX XXXX XXXX These accounts total over {$7000.00} of collections on my account.

I requested validation from XXXX XXXX XXXX. They then sent me a lease without my name on it, claiming it's mine.

The names in the lease aren't even mine. I'm no where on this lease. I've sent TWO LETTERS WITH A COPY OF THIS LEASE TO Experian, this is a clear violation of my rights under the 609 clause. As it's clear this is not my debt.

I'm now asking the CFPB, FTC and XXXX to step in and demand this comsumer reporting agency delete this account.

I'm attaching a copy of the lease to support my claim, please note in the first paragraph, second line the names of the residents/lessees names.

Thanks

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