vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 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: MO

Complaint narrative:
I have disputed the following account, ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 ) XXXX XXXX XXXX  {$0.00}, ( 3 ) XXXX XXXX XXXX {$1.00}, due to the fact the information is inaccurate and does not rightfully belong to me. Your company investigation response was account verified. Now I'm requesting the Method Of Verification for that investigation conducted by your company. What certified documentation did you receive to confirm your investigation. What is the name and title of the person conducted the investigation, what day, date, and hour did this take place. Please provide me with all relevant information pertaining to your investigation. Your cooperation is Appreciated.

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 2019-03-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: OK

Complaint narrative:
I have been calling the XXXX XXXX customer service number many times in the last two days. The problem is when i call to talk to customer service the automated system transfers me to them and they hang up before i can even talk to a live person. I am charged XXXX every call i make to XXXX XXXX. They are racking up my charges and not helping at all. I have to change address in order to receive a new card because they never updated my address and the new card went to an old location. 
I can not talk to anyone and every time i try I am charged whether i have spoken to someone or not! This is not right nor is it ethical! 
I think its ridiculous to be charged to get help with a product that is holding my money and get charged whether I am helped or not. I have called over 8 times at XXXX cents a peice to get help with a replacement card and I have yet to talk to anyone because they keep hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: MO

Complaint narrative:
I'm disputing the following accounts for the 3rd and final time. It is up to the credit reporting agencies to verify information inwhich they are reporting. Verifiable by physical and certified documentation. If my attempt shall fail this time by the credit agencies not accurately doing their job / due diligences then imma file a complaint with the FTC. I'm requesting that XXXX, XXXX and Experian to investigate this matter and to comply with providing me with all Method Of Verification that was done in this instant matter. I need to know whom spoke with whom, I need to know the date, time and method of communication used while investigating these accounts. What certified documentation did you see and whom all seen it. If I'm not priviledge to this information by request then by the laws written within the FCRA states that these accounts shall be removed/ blocked/ deleted immediately. 

Account # 1, XXXX XXXX XXXX XXXX Account # 2, XXXX XXXX Account # 3 XXXX XXXX XXXX XXXX {$950.00}  Account # 4 XXXX XXXX XXXX XXXX Account # 5 XXXX XXXX XXXX {$180.00}

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 2019-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Ability Recovery Services apparently states that they are collecting for XXXX XXXX XXXX XXXX, a debt that is not mine as I was never seen by those physicians. I disputed the debt when it first appeared on my 3 credit bureau reports in XX/XX/2017 as well as with the company. It was removed from my credit reports during that time. Then the debt was sold to XXXX XXXX who placed it on my credit report, it was again removed. It is now appearing a 3rd time being reported this month as a debt that is owed. The amount of {$180.00} appears each time. It is not a debt that I owe. I consider this harassment to have it removed each time. It should be illegal that they can keep reporting the same debt that is not mine in the first place and affecting my ability to buy.

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 2019-03-14 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: MS

Complaint narrative:
XX/XX/2019 My lender is unable to obtain my credit report/score from Experian. Several attempts to upload copies of proof of ID onto their website as instructed resulted in error. Two ( 2 ) written requests to permanently unfreeze my account were submitted via U.S. Postal Service on XX/XX/2019 and included copies of the following ID 's as requested ; Driver 's License Social Security Card Passport Bank Statement Real Estate License On XX/XX/2019 I received a reply from Experian which included a report number as well as a personal ID number to use in order to unfreeze my account. However, an error was repeatedly received after many attempts. 

I have attempted to reach out to Experian in order to speak with a live person. However, this option is not available through their automated telecommunication service. Efforts made by my lenders to request a credit score/report have been exhausted. As well as my own attempts to permanently remove the security freeze. 

While my lenders are currently on hold, my loan application will soon expire. Therefore, it is critical for my lenders to receive my credit score from Experian without further delay. Your attention in this matter is appreciated. 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 non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Loan orginated in XXXX. It was a heloc with {$65000.00} line of credit/balance. I was told when applying the loan matured in 10 years and if a balance, it automatically converted to a 10 year amortized note. I was notified by XXXX XXXX in XXXX of XXXX via letter from their Porta Rico Headquarters that the balance was due in full XXXX of XXXX and there was no conversion clause. I asked why I had not been notified and was told it was my responsibility to honor the terms of the note. I made payments through XXXX ( I have all cancelled checks ) and paid the balance in full the end of XX/XX/XXXX. They are reporting to the credit bureaus that Foreclosure was started. I live in Florida. It was a Mortgage Note. In order to start foreclosure a legal notice must be filed with the Clerk of the Court ( Lis Pendens ). I verified that no filing ever occurred. I filed a claim with Experian and the result was the Bank claimed it was accurate. I called the Bank and discussed this with them and requested any copies of any Foreclosure filings or documentation. They claimed the account was paid in full and closed and there was nothing that could be done. Spoke with Experian again and they said that as long as the Bank reports this they can not remove it. I have no problem with them reporting the payment history as past due because of the balloon payment. I should have read the complete note at closing. That was my error. The reporting of Foreclosure on the credit report is making it impossible to refinance my home to replace the {$60000.00} I took from my retirement to pay them as soon as I was aware of the problem. Issue is : fact - they Never Started Foreclosure and the reporting that they did is false.

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 2019-03-14 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: PA

Complaint narrative:
there are too many dates to list but i have on multiple occasions contacted transunion reguarding information on my credit report. i have sent them this exact letter " letter below '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | DOB : XX/XX/XXXX Trans Union XXXX XXXX XXXX XXXXXXXX XXXX, PA. XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 



" END LETTER '' underneath that i included all accounts i wanted verified and on a second page of the letter photo copied my drivers license and social security card on it it and had it notarized and sent two copies. one regular and one certified.

i sent this letter more then 10 times to which they would reply later then 30 days and there reply would only be a copy of my credit report, when i would call on the phone i would get no support they would say all accounts were verified and provide me with no additional information, i requested to know verified by who, by what means, i asked for a copy of the contract, and asked to see validation setforth by the federal guidelines. 
i have sent requests to remove old personal information aswell to which this bureau is in no way shape or form in compliance to my demands or requests. now i have reviewed the fcra and the fdcpa and the laws are extremely clear, yet transunion seems to willfully non comply

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 2019-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
After, reviewing XXXX Universitys website, I'm concerned about the sourcing of rankings, outcomes and comparative data. I fear the information is either not correct or is misrepresented and therefore misleading prospective & current students. 

{$110000.00} in Student Loan Debt : For example, XXXX University markets itself as an affordable, first-generation student friendly institution. Yet, I left with an excess of {$110000.00} in student loan debt. My parents ( who did not attend college ) were willing to pay for {$20000.00} of it, leaving me with a monthly student loan payment of {$1100.00} from XXXX while living in Washington, DC making {$38000.00} a year ( a company XXXX XXXX, CFO directed me to ). The response from the finance office my senior year was Oh wow, thats a lot. Youre not going to be able to afford that in this area ( this area being XXXX Pennsylvania ). Unfortunately, Im not the only one.  XXXX XXXX, who is featured in the XXXX XXXX  segment below, shares a similar fate. 

Link to XXXX XXXX : XXXX : XXXX Strong Ties to Predatory Student Loan Lenders : Yet XXXX continues to promote affordable degrees that are friendly towards first-generation college students. XXXX Board of Trustees also share strong ties to Navient and Sallie Mae who issued me loans with interest rates from 8 % to 12 %. I find a conflict of interest between the Board of Trustees who are driving XXXX students to take out high-interest loans with private lenders. 

Link to XXXX XXXX XXXX : XXXX Board Member and Former Executive of Sallie Mae and President of the XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX serves as chairman of the board of XXXX XXXX XXXX , formerly XXXX XXXX  XXXX and is a member of the Governance Committee. He is president and CEO of XXXX XXXX XXXX XXXX, based in XXXX XXXX.  He is a retired partner of the XXXX-based law firm XXXX, XXXX XXXX, a former executive vice president of Sallie Mae Inc., and the former executive vice president, general counsel and secretary of XXXX XXXX XXXX. 

My Goal : My ultimate goal is to provide a voice for those who have been financially disadvantaged by an institution of higher learning who markets themselves as affordable and accessible to first generation and minority students. I'm aware that this is a systemic issue among small, private liberal arts institution who are struggling to find " their niche '' in the competitive higher education market but issues such as transparent marketing tactics and the unwillingness to address student financial literacy need  to be confronted. There are better ways to handle this situation and I hope XXXX chooses to be on the right side of history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/19, i did a balance transfer from my XXXX XXXX to Citibank. On XX/XX/19, XXXX XXXX said the check that was sent to CITIBANK has been chased, however Citibank kept on denying receiving a check. On XX/XX/XXXX, i called Citibank to find out why my payment hadnt been applied to pay off my loan and they claimed they never received a check and asked me to send the front and back of the check that was supposedly cashed. On XX/XX/XXXX i received the check from XXXX XXXX and faxed it over to Citibank. 
Today is XX/XX/XXXX and I still havent heard anything from Citibank. 
I made this payment to close and payoff my loan so i dont have to make any payment on XX/XX/XXXX. This is ridiculous and i am extremely upset. 
They will try to collect a payment from my account or charge me a late fee or report a late payment to the credit bureau, thereby damaging my credit

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 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
mr. Cooper https : //www.mrcooper.com/ This is the Company that is now servicing the loan that my Daughter and I have on a property that she lives on. We had the servicing done by XXXX which had excellent service. Both of these companies are Mortgage Servicing companies and our loan with XXXX was recently transferred to mr. Cooper. This is the company that I am, having trouble with and hope there is some branch of Government that take some action against.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: NJ

Complaint narrative:
act was disputed by mail it has yet to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: DE

Complaint narrative:
On Thursday, XX/XX/2019, I ( " Petitioner '' ) : ( i ) received an in-bound phone call from XXXX at approximately XXXX XXXX from Mercantile Adjustment Bureau ( " Agency '' ). Upon replying in the affirmative I was the party sought by the Agency 's agent, the call went silent. 

( ii ) after a period of a few second, Petitioner asked if Agency 's agent was on mute to which no response was provided. 

( iii ) which a period of no more than XXXX, Petitioner disconnected as no response was provided by Agency 's agent.

( iv ) Petitioner placed outbound call to Agency and was greeted by what apparently sounded like the previous Agency 's agent. Petitioner explained after verifying sought person 's name, the Agency 's agent sat silent. Petitioner was placed on hold. The supposed previous Agency 's agent answered. Petitioner believed this was in face the same person that answered the inbound call placed by Petitioner and asked the nature of the call. Petitioner identified himself by name noting the date of birth. Upon being asked if the Agency was a third party debt collector, Agency 's agent did not provide a response and proceeded to obtain Petitioner 's social security ( last four digits ). Petitioner challenged noting the verification was established by way of Agency 's agent lack of response on the outbound call, Petitioner 's inbound return and verification of name and date of birth. Petitioner then asked again if the Agency was a third party debt collector and if such the Agency should send the required thirty day notice via mail for review further noting Petitioner was currently at work and could not devote further time to the matter. Agency 's agent failed to address the thirty day notice letter required by law and proceeded to seek Petitioner 's verification of an account with two named corporate entities ( XXXX XXXX  and XXXX XXXX ). When Petitioner noted a lack of knowledge reasserting Agency should send the regulatory required 30 day notice, Agency 's agent noted he would contact another individual. Petitioner ended the call.

( v ) Agency is in violation of FDCPA for failure to provide written notification advising Petitioner of legal right to dispute, among others.

( vi ) Agency is in violation of FDCPA for harassment as it placed an outbound call to Petitioner and placed the call on silent following Petitioner 's initial verification of identity.

( vii ) Agency is in violation of FDCPA for harassment and threat of further action noting it was place an outbound call to another individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: MO

Complaint narrative:
I'm disputing the following accounts for the 3rd and final time. It is up to the credit reporting agencies to verify information inwhich they are reporting. Verifiable by physical and certified documentation. If my attempt shall fail this time by the credit agencies not accurately doing their job / due diligences then imma file a complaint with the FTC. I'm requesting that XXXX, Transunion and XXXX  to investigate this matter and to comply with providing me with all Method Of Verification that was done in this instant matter. I need to know whom spoke with whom, I need to know the date, time and method of communication used while investigating these accounts. What certified documentation did you see and whom all seen it. If I'm not priviledge to this information by request then by the laws written within the FCRA states that these accounts shall be removed/ blocked/ deleted immediately. 

Account # 1, XXXX XXXX XXXX XXXX Account # 2, XXXX XXXX Account # 3 XXXX XXXX XXXX XXXX   {$950.00} Account # 4 XXXX XXXX XXXX XXXX  Account # 5 OXXXX XXXX XXXX {$180.00}

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 2019-03-14 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: MO

Complaint narrative:
I'm disputing the following accounts for the 3rd and final time. It is up to the credit reporting agencies to verify information inwhich they are reporting. Verifiable by physical and certified documentation. If my attempt shall fail this time by the credit agencies not accurately doing their job / due diligences then imma file a complaint with the FTC. I'm requesting that Equifax, XXXX and XXXX to investigate this matter and to comply with providing me with all Method Of Verification that was done in this instant matter. I need to know whom spoke with whom, I need to know the date, time and method of communication used while investigating these accounts. What certified documentation did you see and whom all seen it. If I'm not priviledge to this information by request then by the laws written within the FCRA states that these accounts shall be removed/ blocked/ deleted immediately. 

Account # 1, XXXX XXXX XXXX XXXX Account # 2, XXXX XXXX Account # 3 XXXX XXXX XXXX XXXX {$950.00} Account # 4 XXXX XXXX XXXX XXXX Account # 5 XXXX XXXX XXXX {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 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: MAJR Financial Corp
State: NY

Complaint narrative:
I sent a certified letter with dispute attached along with it this act was opened XX/XX/2018 this is not my account nor did I give any one permission to open account

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation