vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX and my identity was stolen in XX/XX/XXXX.  There have been numerous credit card applications and numerous credit cards received in my name and all of them were maxed out and all of them were opened fraudulently. I do not know who or how they obtained all of this information, but it is fraudulent. These accounts include a XXXX  card for {$300.00}, XXXX XXXX card for {$300.00}, and a XXXX Credit card for {$3000.00}. Each account was opened and maxed out on XX/XX/. I called each of these companies to report the accounts as fraud, filed a police report, filed an FTC report, and put fraud alerts with each credit bureau. All of this was completed within 2 days of discovering the fraud in XX/XX/XXXX. Since the reports were filed, both XXXX  and XXXX XXXX have removed the inquiries and credit off of my report, but XXXX has yet to remove the inquiry and report from my credit report. It's now been over 3 months since I have reported everything and yet the fraud account is still on my credit report.

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 2018-04-24 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment bureau is double reporting on my credit. They are reporting the same account XXXX XXXX is reporting. This in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Originally my home loan was with XXXX XXXX XXXX.. no problems, payments on time etc. I had to file chpt XXXX due to a divorce due to ex wife '' s bills but did not include my home mortgage, the XXXX was discharged.My loan stayed on good standing all the time. 3 yeras later XXXX sold my loan to Nation Star and the trouble began, they kept calling and calling stating my mortgage was in the bankruptcy reported it on my credit report. Every statement stated my loan was part of a bankruptcy.. I never missed a payment with XXXX nor with Nation Star when they took over.. then Mr. Cooper Mortgage CO which is part of Nation Star somehow took over my mortgage and once again the phone calls continued. I have never missed a payment with Mr. Cooper either. My mail is unindated with solitation letters offering me to refinance my loan with Mr. Cooper. they continue to call my home phone as well as my cell phone with digital calling.Never leaving a message. In XXXX of this year my now wife answered the phone and he identified himself as Mr. Cooper morgage company to offer refinancing. My wife told him to stop calling our home and cell phone that we are not interested. The phone calls continue. When I researched this company there are pages and pages of complaints on Mr. Cooper mortgage as well ans Nation Star of  their harrassment practices .How is allowed. Doesn't this over see or review the on line complaints. I am a XXXX vet and the phone calls are aggravating as well as an invasion of my privacy let alone the negative statements that my home loan was part of a bankruptcy which it never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have requested several times that this debt be validated the information that was sent to me was not proper validation. There is no contract that I ever signed with XXXX XXXX XXXX.I was notified today that this account has been closed but in my correspondence I asked that this be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: OK

Complaint narrative:
FNB Omaha 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 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 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I have a XXXX XXXX card and it went into collections after I had some trouble with changing my account while I transitioning out the military. Any way I have been trying to resolve this debt for a while and even offered to pay month to month. One guy I offered that to denied the payment and said it wouldn't be enough. I believed I offered XXXX dollars a month since that was what I can offered at the moment. I then called back and tried to offer a settlement since they took around XXXX $ from my tax returns. When I get a notice in the mail and the statement shows how much I owe it is from XXXX XXXX and not from tsi. Tsi tells me its like XXXX-XXXX  more then the statement says when I try to pay them. I called tsi again just recently and tried to get information on all the options I have to handle this account and the operator quickly got disrespectful. She rushed me and said I can pay in full now or set up a payment plan and if I can't do that its nothing she wanted to talk about. I then just told her again I just wanted a little more information she then said she not arguing with me and then tried to hang up on me, she said goodbye. I then remained on the line and she came back on disrespectful again and I just said I was trying to have a real conversation so I could get this cleared up. I then asked for her managers number and she gave me this phony number that rung once and auto reply answered and replied I have reached an unassigned number TSI and hung up. Here is the number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Good afternoon, I am asking for your assistance in correcting my payments, making adjustments, I sense that my leader is using and has used illegal practices. My loan was opened in XX/XX/XXXX. I have been in constant communication with this lender and the contact person is XXXX XXXX. 


Resent Email sent to Lender on XX/XX/XXXX Good morning XXXX and West Lake Financial, I received your letter and the payment history of my account # XXXX and I am requesting your Accounting Departments review and recondition with correcting many late charges, assures that the amounts applied to Interest and Principal are correct, it doesnt look constant, payments made from XX/XX/XXXX to XX/XX/XXXX all went to interest and also late fees were applied, please adjust this. 

I will also be seeking free legal review as this payment history does not feel right, I know from past conversations from your staff the system applied the amounts incorrectly and was told many times that it would be corrected in the system and as I stated before this auto currently requires repairs and I also have an open hearing with XXXX  not yet settled for fees that a previous company should have paid, I have attached the open dispute and due to this I have been unable to register my auto since XX/XX/XXXX. 

I honestly feel that I have paid this auto off and possibly even over paid by now and unfortunately from the XXXX feedback regarding your company, I am not the only one who has this happening and I would really like you to understand that this whole situation has been a burden, pressure and a constant headache since I receive letters from XXXX XXXX stating that a total amount is now due. I am a single Mom with two pre-teen children and live in the XXXX XXXX so everything is high in cost and I am doing my best to resolve this situation and really ask for your help and if you help me resolve this we can have this added to the XXXX   as positive feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
In XX/XX/2017 my payments increase after a 24 month repayment agreement. Unaware of my increase in monthly payments I attempted to make a payment and was told they were not going to accept the payment. I seek housing counseling from a HUD counseling agency and submitted a financial packet to be considered for a modification to make my payments more affordable. I was approved for a 2nd time for a 12 month repayment plan which is double the amount of my original mortgage. I disagreed with the decision and sent proof of my income and expressed that the rate is over 9 % and I was unable to afford this payment agreement. They insist on telling this is all they can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I returned my lease vehicle in, and purchased a new vehicle. At the time my vehicle was turned in, it was accepted and I had no further liability for any charges associated to the lease. 
Five months later I recieved my first letter dated XX/XX/XXXX stating I have an account settlement amount due of {$2600.00}. I disputed all and any charges relating to the leased vehicle, stating it was turned in with NO further liability, and requested my deposit back of {$700.00}, I stated this in 3 corresponding letters also stating I would contact the FTC for violation of my consumer rights and perpetrating a scam. 
My most recent letter I recieved, dated XX/XX/XXXX, said I now have a total amount due of {$1300.00}, and I have 10 days until they notify the credit bureaus! 
I've now sent 4 letters stating I have NO liability to any charges associated to the lease in question, and not to contact me, and that I will be filling a complaint, with FTC.

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 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Merchants' Credit Guide Company
State: KY

Complaint narrative:
I never received any notice or anything in mail on this from Merchants credit guide

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching a copy of the letter I sent to the credit bureaus on XX/XX/XXXX. THey have not responded yet. Its been longer than 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 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: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/XXXX, I called to pay in full the balance on my secured card issued by Discover bank and upon payment in full close the account due to a transaction problem that I had experienced with Discover on the same day. The customer service agent took my payment and closed the account, she further advised me that once I see the funds cleared at my bank I need to call back Discover to set the process of returning the security deposit back to me. 

On XX/XX/XXXX, I checked my back account and the funds paid to Discover had been cleared at my bank. As instructed by the customer service agent on XX/XX/XXXX, I called back Discover. The customer service agent who I spoke with in order to get my funds returned to me informed me that my security deposit will be returned to me after 2 months. 

There are two problems that I see with this practice. The first, issue is that a secured card also known as a prepaid card is not a credit card in sense that no credit is extended for the funding of the account. The account is 100 % funded by the client, therefore, the account by its nature is no different than a checking or a saving account open with a financial institution. Discover Bank does not extend or make available any funds other than the funds fully invested by the client. Ergo, closing a secured card is similar to closing a checking/saving account where funds in the closed account are paid back to the client at the time the account is closed. Second, what legal justification does Discover Bank have for the unreasonable hold time on the funds for entire 2 months? Regulation CC clearly sets rules on how quickly banks need to release clients funds. If for the sake of the argument we assume that Discover Bank release of funds falls under certain circumstances known as exceptions and lets assume that the exception applies, the bank may only hold the funds for a reasonable amount of time. Although, that time is not specifically defined, it is usually accepted to be no longer than 5 business days. Therefore, Discover Bank 2 -months hold on funds shall not only be found unreasonable but also illegal. 

Lastly, during the 2-months hold of funds, Discover is clearly profiting one way or the other from the funds - either as keeping the funds in an interest-bearing account accumulating interest from the funds ( while not paying any interest to the client whose funds Discover bank is illegally holding ), or by landing the money to other borrowers. Irrefutably, there is a financial and ethical misconduct on behalf of Discover Bank. This practice is manipulative and it is clearly designed for profiteering by abusive hold of funds. 

XXXX XXXX Discover Card number ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern ; I have been a victim of identity theft for quite some time now and continue to struggle with some information that is still continuing to report as mine. Additionally, I have been contacted by XXXX on two occasions over the past 6 months letting me know that they suspected a breach of my identity this past Fall during their security breach. While I have had some success in removing and editing accounts, inquiries, collections etc., I continue to try and have these items removed to no avail. My understanding is that these individual creditors reporting to Experian must prove that these accounts are mine and yet I continue to be amazed that apparently anyone can say anything and it more or less stick to an innocent person 's credit file. I have challenged both Experian and the individual creditors that report to Experian to better verify to no avail. 

This more or less all started in XX/XX/XXXX and some continue even today. Additionally, I even had a collection account to which Experian already removed pop back up just this week. ( XXXX XXXX XXXX, balance {$9400.00}, reported on XX/XX/XXXX ). 

A common theme that I have noticed are two factors ; I seem to have multiple inquiries and collections from apartment communities that are represented by XXXX XXXX and alike. Also, the majority of these Fraudulent accounts were opened in the summer -XX/XX/XXXX. 

Additionally, I have only lived at ( 2 ) addresses with leases to which I honored and subsequently concluded since XX/XX/XXXX to present day ; - XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( XX/XX/XXXX to Current ) I will be attaching a copy of these driver 's licenses accordingly that reflect these aforementioned addresses. I have not applied nor have lived at any other addresses within in other states during these timeframes. 

My expectation is that Experian will due their due diligence in helping me to rectify and remove the accounts that I am disputing as Fraud and or Identity Theft. 

Thank you kindly for your continued help with these matters.

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 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
I have received numerous letter for collection regarding a debt I do not owe for {$480.00}. This company repeatedly ignores the consumer complaints. I did NOT OPEN this account NOR have I ever charged on it. It is COMPLETELY FRAUDULENT. 

This company IGNORES all customer correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: OK

Complaint narrative:
FNB 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 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 2018-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am attaching a copy of the letter I sent to the credit bureaus on XX/XX/XXXX. THey have not responded yet. Its been longer than 30 days.

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 2018-04-24 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: NC

Complaint narrative:
I am attaching a copy of the letter I sent to the credit bureaus on XX/XX/XXXX. THey have not responded yet. Its been longer than 30 days.

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 2018-04-24 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX there was a hard inquiry on my account that has been open since 2016 with Wells Fargo for XXXXXXXX XXXX   XXXX XXXX. The account has not been used since then nor have I had contact with Wells Fargo or the furniture store since 2016. The inquiry was unauthorized and I was never informed that an inquiry would be ran. 
I called into Wells Fargo 's customer service. They told me they can not access any information to the account because it's the store 's card, so they had to transfer me to that card 's customer service. When I reached the representative on that line, they told me they have no record of the inquiry being pulled and can not tell me why one would have been pulled. They claim to have filed a dispute through XXXX, but I do not feel confident that any actions were properly taken since they can not see their own inquiry they pulled. This is negatively affecting my credit because hard inquiries take points away. 
I do not understand how a company has no record, but had to have sent a report to a creditor requesting my information.

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 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
XXXX 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 2018-04-24 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2017 the furnisher reported inaccurate information to the credit bureau, XXXX. It says the account is in collections but the account has been paid in full. The information reported is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation