vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
My loan servicer PennyMac hired a company to check on my property. That company broke into my property on several occasions and took all of my personal property. I filed a police report. To date I am paying my mortgage and am unable to live in the house because I have nothing. 
This happened on or about XX/XX/2018 to XX/XX/2018 while I was out of state. I filed a police report. 
No one wants to accept responsibility. My loan has now been transferred to XXXX XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
i checked my credit today and found XXXX XXXX is still reporting a debt from XXXX that is not owed. I want the trade line deleted immediately. i tried to submit a dispute through equifax website for this item and several more but the system caused an error when i clicked submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: GA

Complaint narrative:
We as victims of Identity Theft feel as if we are in a sinking hole with no way of ever coming out of it ... .I have gone back and forth with EQUIFAX over this fraudulent account ... they have lied over and over and I will supply the documents to prove it! The only remedy at this point is a law suit, they lied to me and they have lied to the CFPB in their fraudulent responses as I will prove with the attached documents. I have been fighting for my financial life here trying to put all the pieces back together. As you will see from the time I filed my Identity theft affidavit. I also have proof that I was a victim in the security breach at Equifax which exposed my personal information on the DARK WEB and across the world. I will supply my credit reports from all 3 bureaus dated XX/XX/2018 showing the fraudulent account XXXX   XXXX # XXXX, after I supplied all the proper documents in XX/XX/XXXX and the documents were received by all 3 bureaus XX/XX/2018 ... ..the ACCOUNT WAS FOUND TO BE FRAUD AND WAS REMOVED FROM XXXX AND XXXX as you can see on the reports dated XX/XX/2018, EQUIFAX responded to my previous complaint and stated that the account had been deleted from my file on XX/XX/2018 ... .see attached response to the CFPB ... .dated XX/XX/2018!! but as you can see in the report dated XX/XX/2018, EQUIFAX never removed or deleted the account and is still reporting it on my file today!! my scores and reports with XXXX and XXXX are around 700 but Equifax is killing me and my financial life. I have obtained a lawyer and I am prepared to sue for every dollar that I am allowed. I am sure that the CFPB have all records as I do ... .but you can clearly see that EQUIFAX is BREAKING the LAW here!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: OK

Complaint narrative:
The following companies made inquiries into my credit profile, inquiries that were not authorized by myself and after sending a letter to the company, they were not able to establish a permissible purpose or furnish a signed authorization by me to run my credit XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX All was unauthorized hard inquiries by law hard inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2019-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion is reporting a collection account on my report from XXXX XXXX that is fraudulent. I disputed and requested verification for the account over a month ago and received no response or validation that the account belongs to me.

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 2019-05-14 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: PA

Complaint narrative:
Upon noticing an incorrect balance on my TransUnion credit report, on XX/XX/XXXX I submitted an inquiry to TransUnion requesting that the correct balance be shown ( TransUnion was showing a {$640.00} balance, while the correct balance was actually {$0.00}! ). Even though I received an acknowledgement that TransUnion had completed their review, the balance being shown today is still not correct ( it shows a {$200.00} balance, when the actual balance is still {$0.00}! ). 

I then called the TransUnion XXXX number around XX/XX/XXXX, to ask for a second inquiry into the misreported data, was assured that they would look into it, but today, they are still showing an incorrect balance! 

If these credit reporting companies want to be sued, keep reporting incorrect balances!

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 2019-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
The loans provided by this provider are predatory in nature and take advantage of low income households. Their loans are outrageously expensive. A {$700.00} installment loan paid back on time over the course of 6 months will cost {$2800.00}. How is an APR this high allowed by law. Or is it even allowed? It is not clearly stated in their advertisement for loan services. Make of it what you will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
To whom it may concern, I would like to make a complaint against Navient. I've had an on going problem with Navient for several years with harassment and continued threatening phone calls at work, home and on my cell phone, I asked Navient not to call me a work, on several occasions. I am getting a least 25 phone calls per week from Navient, which I have recorded or saved, as of XX/XX/2019 I received calls form Navient at my job, too many times, calls from a XXXX, XXXX several others, from these numbers of XXXX, also from this number of XXXX. My job records all incoming calls and Navient is trying to get me fired from my job. I ask Navient several times to stop calling me on my job, Navient response is always the same, there's no note on your file, saying Do Not Call Job. I also given Navient the address and contact information of both Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX phone number XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, phone number XXXX whom both are Employed and can pay their student loans. Navient has destroyed my Credit, I had a credit score of almost 800, before Navient intentionally forced a default on this loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX- File # XXXX and XXXX XXXX XXXX -File # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, if I end up losing my Job because of Navient, I have many on going Health issues, and the Harassment from Navient is causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
This debt was paid as a part of a claim with XXXX claim number XXXX two years ago. My claims adjuster was XXXX. The information is no longer available to me online. On XX/XX/2016 I was XXXX   and XXXX the NJ victim compensation paid all medical expenses.

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 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: PR

Complaint narrative:
The below debt is a result of ID Theft and has been reported as such : 1. Firstsource Advantage 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 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
CMRE Financial Services is attempted to collect money from me but not willing to verify their information over the phone. I received a call from a representative and she did not confirm her identification and wanted me to verify my name and my address. Based on a XXXX search this company is a healthcare collection service. The company did not mail me anything confirming the debt is mine or what I got done. I do not owe any medical bills at this time but I am getting a call from this agency. I would like for them to confirm this medical debt and what I got done and the purpose for this debt. Company will not verify anything regarding my debt or any personal information that would confirm this debt is mine. I am being threatened and this company is trying to destroy my credit which I worked hard to maintain. The company is trying to collect XXXX dollars and I called my insurance company and they do not have an EOB showing I owe XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: MI

Complaint narrative:
ON XX/XX/2019, I RECEIVED A CREDIT ALERT REGARDING TWO STUDENT LOANS WHICH WERE TAKEN OUT USING MY SOC SEC NUMBER AND PERSONAL INFO, AND WAS REPORTED ON MY CREDIT FILES. I NEVER APPLIED FOR THESE LOANS, NOR DID A CO-SIGN FOR THEM. I COMPLETED A DISPUTE WITH ALL THREE CREDIT BUREAUS, FILED A POLICE REPORT, FILED A FTC ID THEFT REPORT, PLACED FREEZES AND LOCKS ON MY CREDIT FILES, AND CONTACTED THE LOAN COMPANY AND COLLEGE. EQUIFAX HAS HANDLED MY DISPUTE ( S ) HORRIBLY. THEY REPORTED REMARKS TO EVERY ONE OF MY CREDITORS/LENDERS STATING " CONSUMER DISPUTES '', WHICH I DID NOT ASK FOR. I WAS VERY SPECIFIC IN MY DOCUMENTS TO EVERY ONE, STATING AN INCORRECT/FALSE ADDRESS AND TWO FRAUDULENT STUDENT LOANS. 
EQUIFAX IS A JOKE WHEN IT COMES TO CUSTOMER SERVICE, NO ONE IS WILLING TO HELP, AND NOT TO MENTION NONE OF THEIR SERVICE AGENTS ARE IN THE UNITED STATES. I SUBMITTED EVERYTHING THEY'VE ASKED FOR, AND YET, THE LOANS & ADDRESS ARE STILL ON MY CREDIT FILE. EQUIFAX IS RUINING ME, MENTALLY AND FINANCIALLY. I'VE WORKED TO HAVE GOOD CREDIT AND SINCE XX/XX/XXXX, IT HAS CONTINUED TO DROP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Following a review of my XXXX credit report, I determined that said report contained an XXXX/Citibank credit card that was closed over 10 years ago. I initially disputed the account as antiquated to no result. Not only did XXXX ignore my dispute, Citibank did as well. They simply failed to respond. 

XXXX/Citibank - under account number XXXX - should not remain on my credit profile as any and all negative activity far exceed the seven year retention period as allowed under the Fair Credit Reporting Act.

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 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am receiving repeated phone calls from agents claiming to be from Comentiy bank, regarding a XXXX account. I receive 3 -5 calls daily from different phone numbers and different agents. These agents have also somehow manged to obtain phone numbers for my daughter who is a college student and my father, who is in supported living, and they are making threats to my family memebers regarding me and my collection status. 

I have made payments to this account. I have also asked to have some consistency and work with one agent. They always refuse, and they refuse to provide any kind of documentation or verification with who they are working with. They repeated ask for my full banking information, which I always refuse to offer, since they can not authenticate themselves. I believe this to be either a scam or harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
The below debt is a result of ID Theft and has been reported as such : 1. XXXX   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 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
I am a XXXX XXXX  and I have health insurance at no time did I receive service that was covered under my health insurances and at no time I did not go with out insurance. I have only receive annually check ups no procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
A few months ago I started using by Compass Bank account less and less because of concerns I have had over the past about how they have handled my money. This bank has been charging me over the past few months for items they have refused to pay. I deposit enough funds into this account to pay the items. Compass Bank has continued to charge me NSF fees because of them taking my account into a negative balance. I would deposit XXXX XXXX dollars which they would not make a payment with, then the bank would charge me {$38.00} bringing down my balance creating a loop of insufficient funds and fees. They keep doing this until the account is negative and I have had to pay quite a bit of money to keep the account in good standing. While I finish moving my other accounts, I would like this account to work properly and as promised. This year I have been charged {$190.00} in NSF fees due to the banks actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
XXXX  XXXX out of XXXX XXXX continues to call and leave messages for a XXXX XXXX on my phone. This is not his number, nor do I have debt with XXXX XXXX. They call every other day and leave messages for XXXX XXXX and I do not know how to contact him. I have contacted the company to stop, but they do not stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Immediate Credit Recovery
State: AR

Complaint narrative:
the collector called from a local phone number indicating they were representing another party form the same office regarding student loan debt which is presently being paid. Also the previous party who arranged repayment of student loan debt did not disclose how funds would be distributed, thirdly the collection agency indicated they never received information I faxed and mailed to them on a timely basis, and it is my belief that this was done to run me over the time deadline to qualify for payment arrangements, in addition, the collection agency never offered a plan to have the debt not being reported on my credit as well as my dependent child 's report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Following a review of my Experian credit report, I determined that said report contained an XXXX/XXXX credit card that was closed over 10 years ago. I initially disputed the account as antiquated to no result. Not only did Experian ignore my dispute, XXXX did as well. They simply failed to respond. 

XXXX/XXXX - under account number XXXX - should not remain on my credit profile as any and all negative activity far exceed the seven year retention period as allowed under the Fair Credit Reporting Act.

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 2019-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Following a review of my TransUnion credit report - under identification number XXXX - I determined that a chapter XXXX bankruptcy was being reported incorrectly inasmuch as I have never filed for bankruptcy. 

Several disputes were directly filed to TransUnion with no result. No proof has been provided as to the name, social security number or other personal identifiers of the individual filing for bankruptcy in the XXXX XXXX XXXX Florida. 

I demand a complete investigation of this matter.

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 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX {$4900.00}, XX/XX/XXXX {$4900.00}, XX/XX/XXXX {$4900.00} Above are fraudulent check amounts that were deposited into my daughter 's USAA account at a branch in XXXX, Ga that I wasn't even aware that existed ( I was a member for 17 years prior to incident ) and withdrawn from several super XXXX XXXX in another area, which all locations are an hour or more away from where we lived. My daughter was XXXX/XXXX years old at the time of the incident, but due to the account not being mine the police department in our area said that she was the only one that could file the police report for identity theft. So I then had her file the report and then I drove to XXXX were we submitted the report at the above branch through their web center. I continued to request for the incident to be investigated, but was told by several different Reps that they will not be doing an investigation, because my daughter was still at fault for not properly securing her card and security questions and/or answers that she had written down, which was a newly activated card that I had just given to her the week prior to her school going on XXXX break. I was unaware of any of these activities until a week after the checks were deposited and monies withdrawn is when I received a call by a Rep from USAA. I immediately took action, but USAA kept giving me the run around, I then asked to speak with a supervisor and was told that I was not allowed to because no matter how I looked at it I was still responsible. Almost a year or 2 later I was then notified by XXXX  XXXX XXXX  that the monies owed from the fraudulent activity was reported onto MY personal consumer report and that I will not be able to get another bank account anywhere for 5 years. USAA had already closed her account and took any and all funds from MY account ( s ) that my social was attached to. Which forced me to take my name off of my son 's account so that it wouldn't affect him as well. I continued to keep my account with USAA up until either the beginning of XXXX or end of XXXX when USAA decided to change my account from checking to deposit ONLY then shortly after closed the account all together.

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