vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 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: TX

Complaint narrative:
XXXX is maliciously and intentionally reporting inaccurate information on my credit report and Experian is allowing them to. It is injurious to my credit rating and overall financial status. I have disputed this account with Experian numerous times and it was illegally verified as accurate. I want this inaccurate, injurious, erroneous information removed immediately from my credit report. 

Every month they update my credit report with a balance that in no way shape of form matches the information that they have sent me. Every time that I dispute the account, Experian comes back as verified as accurate. I have also sent Experian documentation that I have received from the creditor stating the balance, however they informed me that it doesnt matter what I send them, they go with what the creditor tells them. I have attached the backup for my claim and I would greatly appreciate it if you would help me get this remove 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 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I received a copy of my credit report and I noticed this account XXXX/XXXX XXXX is open and with a balance of XXXX this information is inaccurate. This account is now closed and the balance is XXXX, please update this information in 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 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
The following accounts were opened using my credit profile that I filed for identity theft due to : XXXX XXXX XXXX XXXX - {$410.00} XXXX XXXX - {$12000.00} XXXX XXXX XXXX - {$710.00} XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX XXXX - {$240.00} Midland Funding LLC - {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
This Company is reporting a debt for {$450.00} on my credit report. 
On XX/XX/2019 i sent USPS certified Debt Validation Letter ( see the letter attached ). 
Shortly after On XX/XX/XXXX they responded to my Debt Validation Letter with nothing that qualifies as Debt Validation Under FCRA and FDCPA. 
on XX/XX/2019 i have sent my second usps certified letter requesting them to remove this debt from my credit report as they failed to validate this. 
As of this date this is still being reported with credit bureaus in violation of FCRA and FDCPA. 

Please see all mentioned letters/paperwork including usps receipts regarding this matter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I received a copy of my credit report and I noticed this account XXXX/XXXX XXXX is open and with a balance of XXXX this information is inaccurate. This account is now closed and the balance is XXXX, please update this information in 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 2019-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am having a issue with bill me later through PayPal. I was under the impression I was paying with my debit card. I somehow signed up for PayPal bill me later. I don't recall agreeing to this service. And to be honest my credit is poor so I wouldn't of even tried to get credit like that.

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 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We are trying to pay our monthly mortgage payment with extra principal amount in two payment each but Mr. Cooper our mortgage company is not applying our payments correctly. On these dates XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX we paid our monthly payment but it wasn't applied until the XXXX of the month. They are holding our payments in an unapplied funds account until the XXXX of the month. We have spoken with them many times but they refuses to apply our funds properly because they are trying to prevent us from payoff our loan before the time. We don't have a penalty in our contract on pay off our loan before the maturity of the loan. We want Mr. Cooper to applies all our payments and to stop calling us between the XXXX of each month and the XXXX before our mortgage is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
Convergent Outsoursing is trying to collect a debt ( {$1100.00} ) that is not mine. 
On XX/XX/2019 i sent certified usps letter to Convergent Outsoursing requesting to Validate the debt, pursuant to FDCPA ,15 USC 1692g Sec.809 ( b ). 
Convergent responded to my request with a letter dated XX/XX/2019, stating that debt is valid and the only evidence sent with that is a bill/statement from XXXX XXXX that has my name and completely unknown address to me. 
They are also reporting this debt to Credit Bureaus. 

This is no way can be sufficient Debt Validation under FDCPA/FCRA, and is a clear violation of FDCPA/FCRA. 

Please see the attached copy Debt Validitaion Request Letter along with Usps Certified reciept and there response letter

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 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I know that I was wrongly charged {$19.00} by XXXX on XX/XX/XXXX around XXXX XXXX. Pacific time. I have previously made a complaint about being charged {$1.00} exactly on XX/XX/XXXX for some reason and I have never even heard of you guys before so I would like this taken care of or reversed before I have to go to my bank and take it further, granted it is only {$20.00} however my account is now negative because of you guys so I'm royally XXXX off.

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 2019-04-17 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo secured credit card account # XXXX I was always pay on time, then fraudulent activity appeared and I discuss that with Wells Fargo but it was ignored and never resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Equifax website at https : //www.equifax.com ( and all pages therein ) are stylistically and programmatically broken allowing no way to access account information, review freezes/locks, file/check on disputes, and more. 

This has been the case for over a week yet Equifax is unavailable for commenting. 

They appear to be using XXXX as a customer support and ticket service judging from the number of recent tweets from general users and responses by the company. 

This can be observed at XXXX XXXX XXXXXXXX  where there is a constant stream of users seeking assistance for issues they'd otherwise resolve via equifax 's own website. 

With that said, I have been unable to file a dispute with the company nor access my annual credit report for over a week. 

How is this company still in such a position to report on and maintain critical financial histories on US consumers??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I called XXXX XXXX three days before my bill was due. Due to unfortunate circumstances, I am not gainfully employed sufficiently to make the payment. I requested a deferment of my loans while I work on resuming gainful employment. The agent on the other hand said that they would need time to research deferment of my loan. I told the agent that the payment date was due in a few days, and I needed to avoid defaulting or getting a late payment charge. The agent told me not to worry, and that after he had finished his research it would be easy to rectify any late payment. I waited out the three days without hearing a word back from the company. I called today to discuss the matter with them, and they continued to give me the same run around. They said that they hadn't completed their research, and that they would need five more days in order to get  back to me. The agent then tried to sell me on a different payment plan, that would have resulted in exorbitant additional fees to a former student already struggling to make payments. While I continue to get told that they are researching the matter and that they will get back to me in an ever increasing number of days, the account is not showing as a late payment, with tacked on late fees, and they are going to proceed to ruin my credit. I have always made my payments on time, or in excess of the amount necessary, unfortunately I am not in a financial position to do so at this moment. I feel their practices are predatory and are designed to financially punish students through deceptive practices, rather than assisting students to successfully repay their loans, and it is through their deception that payments go into default or show up as late on credit reports. Researching a deferment shouldn't take 8 days. They have obviously studied the laws and worked diligently to try and work loopholes in the system that work against the citizens in favor of their own corporate greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have reached out to this company 2-3 times. They removed some of the information that was on there. I was not even old enough to have a account with the things that they removed. Now I am fighting to get the rest off. I am not asking them I am begging them I feel like I have no life at this point because I can't get anything done our even use my own name. I have written everyone I know how to write .I am so clueless & frustrated about this issue I am hoping this letter reaches the right hands. My last hope is to reach out to the news station & social media if I can't get help from this letter. I am sending ALL of the paperwork that I have I was in XXXX when these accounts were open. I walked in on my husband & sister having XXXX I hit him in the head with a bat she ran out the door I couldn't get her. The police were called I went to jail, this is " NOT '' the first time that my sister has used my information. I went through XXXX trying to clear my name with credit card companies last time & I finally did. I am sending information showing & proving that it was no way possible that I could be in two places at one time. I am not asking I am begging that you please remove XXXX XXXX, XXXX & XXXX XXXX I ( DID NOT ) HAVE these account I have never had a account with them. It is impossible for me to be in two places at one time a XXXX is XXXX down unless I had a clone or turned in to a ghost. I received 6 years in XXXX for XXXX XXXX on a family member. I just recently was released in XXXX I am still working on other banks & credit cards to be cleared my cousin has helped me a great deal while I was XXXX  reaching out to most of these companies. I am reaching out to all of the company 's that are left on my credit file & my bank report. This is horrible I feel XXXX & robbed I can't even use my OWN name. I am taking ALL of the precautions I put a block on my credit report, filed police reports, flagged my name with every company known to man. I was brought up in a family where I had lights in my name at the age of 6 years old. Right now I am trying to piece my life back together about some of these companies treat the VICTIM like the criminal this is just outrages. 
My sister name is XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX ... If it was not for my cousin helping put blocks on my info while I was in jail I don't know where my life would be right now. I just want my OWN identity back PLEASE.. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX**** XXXX  XXXX**** XXXX/XXXX XXXX** XXXX XXXX XXXX**** XXXX  XXXX & XXXX XXXX**** XXXX/XXXX XXXX**** XXXX XXXX   XXXX**** Chapter XXXX  Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
To whom it may concern Beneficial has sold our loan to XXXX XXXX around 2 years ago. Before finishing up with taking off the deferred interest home loan & side loan. We would get repeated phone calls from Beneficial that we were missing a payment. When we would go to the branch office with proof of payment, They would have no idea why we were contacted because the computer would show us current. We also have many statements that show full payment being made, but minus part of the payment and it showing up in deferred interest. But showing paid in full and never showing or saying that we were delinquent. Just before selling the loan Beneficial told us the deferred interest that we asked about was for 35 missing payments on both loans. When we tried getting information about the missing payments they would just hang up on us. When they finally did talk to us, It was just to tell us the loan was sold and they could not talk to us. We are wanting to refinance. But refuse to pay money we dont owe. {$49000.00} off home loan & {$7700.00} off side loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Ive reached out to Navient the servicer of my student loan. Multiple times my accounts were switched to forbearance after calling navient why my accounts were being automatically switched without any notice. This has caused me to pay much more in interest to navient over the life of the loans. Navient has switched my accounts to forbearance multiple times without permission. When I try reaching out to Navient I have received multiple hang ups and the problem keeps occurring. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This dad was from an apartment complex. I cleaned up the apartment and turned in the Keys. But the management stated that the month that I left was too early but that was the end of my lease. So now she stays day I owe for late fees and also the month then I left and also it's called getting out of your lease early. Also the apartment complex charges for late fees even when they have taken your money and that is not legal. I have spoken with the management regarding this problem and had no communication from them to solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy

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 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have no knowledge of this debt. But I see it's reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
I was a victum of a romance scam. He kept stating he kept having a serious of unfortunate events and needed money. Around XX/XX/2016 he contacted me through a social media called " XXXX XXXX  '' We exchanged emails, numbers and text. Stated his name is XXXX XXXX and lives in XXXX NJ Stated he was an international interior designer. Sent me pictures of what he claims to look like. Eventually he claims he went to XXXX with son and things kept happening. His wallet got stolen and had no money, need money for food, father was sick needed money for medical bills, father died needed money for funeral. Had no money so claimed doctor took his son to XXXX with him. Needed money to feed son. I have been still in contact with him superficially because I want him to get caught and stop. He does not know I know. Through Moneygram I have sent money to XXXX XXXX Louisiana, XXXX XXXX to XXXX, XXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas. I have sent over {$15000.00} to several different people. He claims his name is XXXX XXXX. I have receipts.

Company response to consumer: Closed with explanation