vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
This is in response to my previous CFPB compliant # XXXX You guys are playing games and stalling a bill statement is not a debt validation. I requested in my previous compliant for Receivable performance management stop all debt collection attempts and you only provided a bill statement and that is not acceptable at all

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 2019-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I called and spoke with Mr.XXXX at XXXX ext XXXX. I advised of my situation and we spoke about options. I then advised Mr. XXXX to cease calling my family members and giving information and leaving messages. He advised he will remove all numbers and i provided my phone number again. My phone number has not changed nor have I ever blocked comenity 's phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: MI

Complaint narrative:
I have repeatedly asked EQUIFAX to provide Method of verification of a public record bankruptcy and accounts included on my credit report. Ive mailed them several copies of a letter from the Michigan us bankruptcy court stating that they do not report to credit bureaus or third party credit agencies. I also provided a letter from XXXX stating no bankruptcy found. They are breaking all FCRA laws and I need your help to get this bankruptcy remove and all accounts included in bankruptcy. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: FL

Complaint narrative:
They continue to report inaccurate information BECAUSE unless the consumer opens a dispute or notifies them of that incorrect information they do NOT receive updates from the lenders in a real time environment - only negatives. The XXXX credit score is a  minimum of ten points lower AFTER paying down debt and submitting numerous complaints. This has severely impacted our financial ability to obtain mortgage and other finance and if we do at adverse terms to us. I have included a document as an example. 

You and they continue to NOT answer my question concerning Off Shore processing and handling of information which I believe contributes to this incorrect information being assimilated to lenders we inquire of. By their own admission verbally and written the correct information might take months to reach them. Hence their calculations concerning FICA or Credit scores are erroneous end in some cases eliminate us from consideration from better financing immediately. 

Also- key is we have no recourse to prohibit those who " INQUIRE '' hence lowering our scores and their so called " security freeze '' and by their own admission is worthless! They CAN NOT STOP these inquiries. In our opinion - another built in fraud from people we never gave permission to review our report to. We and other consumers have no method to remove them!!! In the case of shopping they totally avoid the permission to shop. Scores dive immediately. Yes, this is similar for those in the CFPB who review these reports BECAUSE you do nothing about correcting or assisting we the consumer and citizen- that Is fact BY YOUR OWN WORDS! Basically go get yourself a lawyer. For what? No sane lawyer would take the issue on a Pro Bono basis as you know and totally cost prohibitive for the average person.

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 2019-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/2019, I filed another complaint with the CFPB- to no avail. They asked me to file a new Income Driven Plan request for my loan because the " Poverty guidelines have changed- BEFORE my actual yearly renewal. It had been a huge mess. 
I have been given misinformation since XX/XX/XXXX. I wanted to pay down my loan and asked for the graduated repayment plan- consulted an attorney who told me to go back into the IDR. I reapplied for that. At first, when they kicked me back into the IDR on XX/XX/XXXX, my payment was XXXX. On a side note this was the plan they gave me when I spoke on the phone about the graduated repayment plan. Then, they asked me to reapply before my annual date. I resisted because they had just sent me the statement to my prior plan. When I did receive the email regarding my new plan, my payment was increased to XXXX. I called and spoke with XXXX XXXX on XXXX XXXX, because i can not afford to pay that amount every month. She asked if XXXX, or close to that was possibly, and I said I could probably do a little more, but not much. She also told me to reapply under REPAYE which would be the lowest monthly payment, so I sent that and I received an email saying it was received on XX/XX/XXXX and that it will take up to 15 business days to process. That last time I tried to lower my payment under the IDR, which ended up being the XXXX, they received my app on XX/XX/XXXX and I had a new payment on XX/XX/XXXX. That took 5 business days. Now, I am still waiting on a response from the last app for the REPAYE. It has been 10 days. Mind you, I have been paying my loan, and having some hardships doing so because the payment is what it is. It has not taken this long to receive a plan. I have done this a lot in the last few months. This company is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP
State: NM

Complaint narrative:
I was paying for a car loan with Keybank via automatic withdrawl and when I paid off the loan, Keybank keeps taking the money out every month. XXXX was taken out on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and then redeposited 7 days later. Each month I call Keybank and discuss this problem. They tell me the loan has been paid off, that there shouldn't be any money taken out. I filled out the account access form and they admit they have it on file but nobody seems to know what they are doing at the bank. They are illegally accessing my account. The last phone call was to XXXX on XX/XX/XXXX. This withdrawl was set up with Keybank, not with my bank.I am going to have to cancel their access via my bank which is going to cost me {$25.00}. I would like Keybank to reimburse me the {$25.00}, not that they can reimburse me for the time and aggravation they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The following inquiries shows up on my credit which i have no Knowledge of. i've made numerous attempts to let these companies Know that these inquiries are do to fraudulent use of my personal information and that i am a victim of identity theft. 

XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NC

Complaint narrative:
First American Title Insurance Company has conducted a transaction on my property XXXX XXXX XXXX, XXXX, Pa XXXX without " permissible purpose. '' I, XXXX XXXX do not have a contractual agreement with this company to execute any transactions on my behalf. I requested documents of affiliation and this company responded stating they are missing documents in there file referencing the following : " Signed Final HUD/Closing Disclosure, Title Commitment/Prelim, Vesting Deed/Warranty Deed, Recorded Security Instrument and in order for me to receive information of a policy agreement I must furnish documentation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: DISCOVER BANK

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XX/XX/XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX  reports also i have already made report at XXXX Discover financial ser on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
XXXX XXXX continues to report that I owe them money on my credit report and they are reporting incorrect information. I owe them nor anyone else the money they are claiming I owe them. They responded to you without correcting any information. This is the last time I am writing a complaint before I take them to Small Claims Court and sue them for reporting incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX I got this secured credit card. I had some legal issues and was unable to pay it. Once I got back on my feet In XX/XX/XXXX I called Wells Fargo to get the account fixed. The person I spoke to said they would delete it from my credit report if I paid. I paid the full amount, I did not try and pay less. Now Its still on my XXXX report a year later and its the only thing thats really impacting my score. I have tried repeatedly to get them to delete it and they refused yet I did what we agreed on the phone. They also kept all money that was used to secure the initial credit line. 

It's also effecting my ability to get other Wells Fargo cards as I now have a 680-720 credit score ( lower is because of this )

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 2019-05-25 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: MI

Complaint narrative:
I have repeatedly asked EXPERIAN to provide Method of verification of a public record bankruptcy and accounts included on my credit report. Ive mailed them several copies of a letter from the Michigan us bankruptcy court stating that they do not report to credit bureaus or third party credit agencies. I also provided a letter from XXXX stating no bankruptcy found. They breaking all FCRA laws and I need your help please to get bankruptcy remove and all accounts included in bankruptcy. Thank you. 
XX/XX/2019 XX/XX/2019 XX/XX/2019

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 2019-05-25 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: CITIBANK, N.A.

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX Cbna Inquiry from XX/XX/XXXX Cbna Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: SUNTRUST BANKS, INC.

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, Chexsystems reports also i have already made report at XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Suntrust Bank Dba XXXX Inquiry from XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: MI

Complaint narrative:
I have repeatedly asked TRANSUNION to provide Method of verification of a public record bankruptcy and accounts included on my credit report. Ive mailed them several copies of a letter from the Michigan us bankruptcy court stating that they do not report to credit bureaus or third party credit agencies. I also provided a letter from XXXX stating no bankruptcy found. They breaking all FCRA laws and I need your help please to get bankruptcy remove and all accounts included in bankruptcy. Thank you.

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 2019-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account due to an error where they allowed XXXX XXXX to overcharge me. I paid off the balance as of XX/XX/XXXX. The entire balance was paid in full as per the the phone attendant I spoke with. I asked what the entire balance was and I paid it. 2 months later they are asking for more money. This is ridiculous. This company is a thorn in my side and its non stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XXXX XX/XX/XXXX I was involved in an automobile accident. I went to the ER of XXXX Hospital located in XXXX XXXX New Jersey. 

OnXX/XX/XXXX I received a notice by a credit monitoring service I had a delinquent notice of {$75.00} placed on my credit report by a company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ I called XXXX XXXX and was told the {$75.00} was a portion of a bill my insurance company did not cover from my auto accident on XXXX XX/XX/XXXX. I told the rep I never received a bill from the hospital. It appears the bill went straight to collections. The rep told me they had sent a letter in XXXX of XXXX to a previous address I had on file. I moved from that address XXXX of XXXX and notified the post office of my move. I do believe the post office forwarded my mail another 6-12 months after the move. I never received another bill from XXXX Hospital. I told the person on the phone I would dispute the claim of owing any monies toward the ER visit. 

On XXXX XX/XX/XXXX I called XXXX XXXX to inquire more about what department I needed to contact within the XXXX Hospital to find out why I never received a bill and how the bill went straight to collections. The rep said they could not provide me with their clients information. I needed to locate the information on my own.I contacted XXXX Hospital that has been renamed to XXXX Hospital. Because of the length of time since the hospital visit the hospital would not be able to provide me a description of charges. I was given another phone number for XXXX XXXX. 

I called that phone number and was told since I never received the bill they would remove the debt off of my credit report. The rep on the phone said the debt should have never went on my credit report because I never received the notice for the attempt to collect the debt. 

I find XXXX XXXX debt collections questionable.

1. I never received the debt collection letter but the debt still went on my credit report. By the admission of the rep for XXXX XXXX the debt should not have been put on my credit report due to me never receiving the letter notifying me of the debt. 

2. How can XXXX Hospital send a debt to collections without even notifying me of a debt. Then when I try and get a copy of the debt in question XXXX can not provide me with a breakdown of the debt.

3

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 2019-05-25 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: CA

Complaint narrative:
In XX/XX/XXXX I got this secured credit card. I had some legal issues and was unable to pay it. Once I got back on my feet In XX/XX/XXXX I called XXXX XXXX to get the account fixed. The person I spoke to said they would delete it from my credit report if I paid. I paid the full amount, I did not try and pay less. Now Its still on my XXXX report a year later and its the only thing thats really impacting my score. I have tried repeatedly to get them to delete it and they refused yet I did what we agreed on the phone. They also kept all money that was used to secure the initial credit line. 

It's also effecting my ability to get other XXXX XXXX cards as I now have a 680-720 credit score ( lower is because of this )

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 2019-05-25 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: LEXISNEXIS
State: MI

Complaint narrative:
I recently called lexinexis and they told me that there was no bankruptcy. I have a copy of the letter providing proof they gave me inaccurate information. So after disputing with the credit bureaus and sending them my letter with no bankruptcy found. The credit bureaus kept saying that the bankruptcy is being reported accurate. Please ensure that they abide by the consumer laws thats in place to protect us. 

I called lexisnexis yesterday day XX/XX/2019 and one of their staff members said that the credit bureaus were able to pull records from my unverified public records from their company? third party I wan na know how is this possible and why are they illegally allowing credit bureaus to pull this information? Please have them remove this public record from being accessible to the credit bureaus. In this letter I have provided physical proof from the Michigan u.s bankruptcy court stating that they do not report to any credit agencys. I demand that my FCRA consumer rights be exercise correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There have been several inquieries and not authorized & a freeze is suppose to be on my report! 
Stop giving my information unless I concent!!

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 2019-05-25 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: CA

Complaint narrative:
In XXXX of 2017 I got sick. I totally spaced out on paying the credit card bill. When I realized it I called, made payment asked about late fee she said she'd wave it. I asked if it would be reported and she said since it was my first time ever late in the 13 months I had the card she'd do goodwill and mark it not to be reported. I continued to make my payments on time for 8 more months and called every month because it HAD shown up on experian 30 days late. After not being able to come to a mutual agreement I paid the card off and requested the account to be closed.

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