vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN has been nothing but problems over and over and over again for me. I sent a dispute by mail in middle of XXXX ( see the attached letter ), They sent me on letter on XX/XX/XXXX ( See attached Notice ), that my dispute was not sent by me. Please tell me how you can tell me that my letter wasn't sent by me. It had my full information in the letter and on the envelope. This is nothing but a stall tactic by Experian to not process my dispute. Your bogus notice sent to me is incorrect and wrong. You still have 30 days to answer my dispute ( copy attached ), it does not start over with this complaint. If you do not I will file a claim in court for various FCRA violations along with proof anf the date you received my dispute. Again I have attached the letter that I sent to Experian, that you called suspicious and fraudulent and the notice you sent to me claiming it was. The clock is still ticking on the 30 day response no matter what your incorrect notice says. YOU ARE WRONG! You have 10 days to answer my dispute.

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 2020-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
Called on early Friday afternoon- XXXX XXXX to refi using a fha stream line, and XXXX XXXX was supposed to work with me stating this wouldnt be a problem. The minute I said I would work with him he locked the file so no one else could look or work on it. I know this bc when XXXX ignored numerous calls I went to see if someone else could help. Obviously they couldnt bc he locked it but seemingly isnt working in it. He Promised to get back as supposedly he was working on it Friday night - but said hell get back on Saturday. Never did. Said if not Saturday then for sure Monday - never did. I left him a vm On Saturday saying that I had ppl coming to look at the house Monday because if I couldnt refi I would sell. And if you could please get back before I had to let people with possible Covid 19 in my house. I told the realtor to hold off bc I never heard from him and now shes saying that bc XXXX XXXX is coming that would affect me thanks to XXXX not getting back as promised. If he cant get this done bc it was supposed to be pretty much no docs involved then he needs to unlock it so someone who Is willing to help in a Timely manner without lying and ignoring can do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I used my credit card for a major renovation in my home in Guam and was shocked to know that Santander credit card charged me 3 % international transaction fee for over {$300.00} in fees! The fee is high ( gouging! ) and I complained that Guam should not international as it is a US territory. I used my XXXX and XXXX cards there but there are no such fees. I may not have complained if it was a small fee but 3 % is gouging consumers. I called them up to complaint and no fees were reversed. They responded that the only exception on card agreement for this card are transactions in Puerto Rico and DC. Guam not being mentioned will be considered international. The people in Guam are US citizens and there are XXXX US troops there plus families ( XXXX  and XXXX XXXX ) - they will be gouging these people for 3 % transaction fee each time. For one it is wrong to consider Guam as international transaction when I understand to be domestic under the US banking system ( US Fed Line ) and US currency ... .I also learned that there is no additional interchange fee from Visa or Mastercard for merchant transactions in Guam why charge the consumer extra fee? Second, 3 % is exorbitant. I think this is not a fair practice to tens of thousands US Troops assigned in the island and the US citizens that live there. I promptly closed my account with Santander but I wanted to bring this to your attention so they do not gouge others.

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 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX PREFERRED COLL & MANAG XXXX N/A XXXX N/A XXXX {$100.00} N/A XXXX {$86.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PREFERRED COLL & MANAG XXXX N/A XXXX N/A XXXX N/A XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XX/XX/XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I received a phone call last week stating I owe {$12000.00} for health insurance. I am a XXXX  employee and was a XXXX  XXXX before that - since 2010. I was XXXX before that. The XXXX/my XXXX XXXX  has always paid my medical insurance directly from my paycheck. Ive never requested additional coverage ( especially to the tube of {$500.00} a month!!! ) I dont owe this debt. They sent me a letter in the mail today. It hasnt gone against my credit yet - but Im afraid it will. I have over 800 credit score and have had for over 20 years. Im tried to call the company and no one is available to speak to me. Even leaving a message cant be done because the automated system hangs up on me. This letter demands I provide my full social security number, account number, a description of my complaint ( their errors ), the dollar amount I owe ( even through they told me what I supposedly owe but so not owe ), date of their error ( but I have no idea what this is about - first time I heard of this was last week when the lady told me I owed 12 grand and hung up ), and a copy of my credit report. Um. Not o my no, but XXXX no. Im not giving a random company all the info they need to steal my identity. They cant even get it right that I dont owe a XXXX ton of money for something Ive never purchased. This is obnoxious. I dont owe them anything yet they dont provide a means to speak to someone, and the burden is on me to chase them down and provide vastly personal information. Why would I trust them with this info even if I did owe money???? 
How can I get them to stop asking me for money I cant owe since Ive ordered {$500.00} a month medical insurance I didnt need?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX L J ROSS ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious L J ROSS ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: Monterey Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a call from Monterey Financial Services, LLC., in regards to an account with XXXX XXXX. I advised the representative I was at work and unable to continue with the call at that time as I was expecting a work related phone call. The representative asked that I call her back later today. I advised her I worked late and would not be able to call back today. The representative continued to say " you are on the phone and when the call comes in you will know. '' She then proceeded to ask me questions in which I declined to answer and advised her if she would like to make an agreement to pay then to send it in writing to my address of record. She refused and stated that my credit is very important and it would have negative effects if I did not pay in full today. The company has already been reporting since XXXX of XXXX to the credit bureaus. When I advised her that if I did not get off of the call, I would lose my job and not be able to pay, she threatened to " recommend legal action and negative reporting on my credit reports '' and would comment that I refused to pay. I disputed the balance owed ( as incorrect ) on XX/XX/XXXX with no response. On XX/XX/XXXX, I disputed again stating I did not receive a response within the allocated timeframe and requested the information be removed. This dispute is still active with XXXX and XXXX. I believe this company has violated both the Fair Credit Reporting Act and Fair Debt Collection Act with their illegal practices. I never received a letter to my address advising me that the account was moved to a collection agency or my right to dispute. They only send generic emails to the email address I provided at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX an ad was posted on XXXX for a switch bundle for {$210.00} under the account name XXXX XXXX. My daughter showed interest in the product and they asked if she could pay through Paypal family and friends to " not get charged the extra fees ''. Then about an hour or two after she had paid for the item the same images under the same account were posted with a similar but slightly different description and by the next day the user profile was deleted from XXXX. She is now aware that XXXX has no responsibility for this since the payment was not submitted through the app and pay pal is not recommended when buying off XXXX. She has reported a dispute through Paypal. The payment was a split between {$140.00} of PayPal Cash Plus balance and {$69.00} from a XXXX XXXX visa. I called XXXX  XXXX to file a claim on a fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Today, XX/XX/2020, I received an alert about a new inquiry on my credit report. The inquiry was reported the day before on XX/XX/2020. When I checked it was from a Lowes in XXXX, Florida ( SYNCB/LOWES PLCC ). I live in XXXX and have never had a Lowe 's credit card nor have I ever tried to get one. I called Lowes Customer Service and they were unable to locate the application or any information using my name and zip code. I tried calling XXXX but they are closed so i will try again in the morning. I also put a freeze on my credit just in case.

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 2020-05-18 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:
XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they have been unable to provide it. Further, they are reporting an account open date of XX/XX/XXXX but the actual death occurred before XX/XX/XXXX Per the document that they provided. It is my understanding that Credit Card Debt has a statute of limitations of 4 years. Per the document they provided from XXXX XXXX the actual debt is over four years old but they are reporting it on the credit report like the debt began in 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 2020-05-18 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:
XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they have been unable to provide it. Further, they are reporting an account open date of XX/XX/XXXX but the actual death occurred before XX/XX/XXXX Per the document that they provided. It is my understanding that Credit Card Debt has a statute of limitations of 4 years. Per the document they provided from XXXX XXXX the actual debt is over four years old but they are reporting it on the credit report like the debt began in 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 2020-05-18 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: IN

Complaint narrative:
Good evening. 

I have repeatedly tried to get in touch with SOMEONE at Experian who can tell why I can not freeze/unfreeze my credit report neither online nor via phone. They want me to WRITE A LETTER TO THEM with an INSANE amount of documentation. The fact that we as Americans are forced to use these snake companies is a joke, and now I can't even open my XXXX XXXX accounts because I can't get the freeze off my account without jumping through these ridiculous loops that are going to take entirely too long to send. 

I have my unfreeze number. I input my birthday, SSN, whatever information was asking for because it's not a XXXX fraudulent request. I set the XXXX PIN so that I could freeze and unfreeze as was convenient, not to deal with the XXXX of handling a problem with Experian. 

There have been no actions to resolve this. No support person seems to understand the issue or it ends up with endless transfers. 

XXXX you Experian.

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 2020-05-18 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: Nelnet, Inc.
State: CA

Complaint narrative:
Thank you CFPB for your time and help in this matter. 

I'm here to report that Nelnet is in violation of the laws of the FCRA. 

They are report inaccuracies into late payments to the credit bureaus. 

Also these accounts was transfered and closed but reported multiple late payments after the fact. 

These are 8 different violations

Company response to consumer: Closed with explanation