vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have an account on my credit file that I don't recognize as my account and every time I I call Equifax to dispute this account I can never get through to someone to speak with them about the matter. When I do speak with someone, the phone line has a very bad reception and the person on the other end does not speak English clear enough to understand me and I can barely understand them. I go online to try to dispute the error and every time I try that I get a message that states " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or submit your request via our secure Web Email dispute form. We apologize for the inconvenience. '' The accounts are : XXXX XXXX XXXX  - XXXX XXXX/XXXX - XXXX These accounts are only showing on my Equifax report. There are pictures attached with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received at least 1 XXXX XXXX MasterCard (Barclay issued a card with one number XXXX XXXX XXXX XXXX)) that I never applied for. I then received a statement from XXXX   XXXX MasterCard (different account number XXXX XXXX XXXX XXXX) with a balance of $XXXX apparently charging me for expedited delivery (which I did not receive) of the card I did not request!! I have been trying for the last day (XX/XX/XXXX-XX/XX/18) to reach anyone at XXXX XXXX MasterCard to rectify the matter (close the account(s) and remove the fee). They are apparently having some issue with their computer system and cannot access my account (an actual human being told me this) and therefore they have not been able to address this matter. My only prior contact with XXXX XXXX was purchase of a ticket for airline travel that I never completed earlier this year. I find it utterly unacceptable that first, this company does not protect its data such that credit cards are fraudulently issued (perhaps more than one) and second they do not provide a means of addressing these matters immediately even if their computer system is having issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I recently filed bankruptcy stop the property foreclosure sale of my home. 
My Bankruptcy has been dismissed and I recently submitted financials and request for mortgage modification again. Regions bank has given me a hard time with my request for mortgage assistance. Regions has informed me last week they would not review my file because I was on XXXX. I did provide the requested documents I don't want to lose my house to foreclosure. Received a letter in the mail from the XXXX XXXX  XXXX Regions foreclosure attorney stating there is a property foreclosure sale set for my home XX/XX/2018. The letter is dated XX/XX/2018 the Tennessee law states the homeowner is to be given 30 day notice before the property sale date. I didn't receive this notice 30 days before the sale date. I feel I'm being discriminated and not being treated fairly. see attachment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 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: NY

Complaint narrative:
items were reporting as deleted but are still showing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BlueChip Financial
State: CA

Complaint narrative:
XXXX Support XXXX XXXX ( 2 hours ago ) to me This is an important message for XXXX. If you are not this person, please disregard and delete it. 

Hello XXXX, Thank you for reaching out. 
You currently have XXXX. 

XXXXaccount has an outstanding balance of {$1300.00} with XXXX XXXX XXXX that defaulted on XX/XX/2017. 

This account was originally from an online tribal lender and a separate complaint was made against XXXX  dba Blue Chip Financial back in XX/XX/2017. Apparently, XXXX dba Blue Chip Financial sold the account to XXXX XXXX XXXX who never contacted me, and now the account was sold to XXXX XXXX. 

I do not owe {$1300.00} and I originally discussed this with the original company who refused to acknowledge that they illegally engaged in payday loan practices with me living in California and they are a tribal lender.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations. 

Remove fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: AL

Complaint narrative:
When I first applied for Federal student loans they were through the US Department of education and one year they suddenly transferred my loans to Navient who later on transferred my loans to XXXX XXXX. The department of Education reported my loans being on the Public Service Loan forgiveness repayment plan, but when I was transferred to Navient they told me I qualified for public service loan forgiveness but my repayment plan was income based and after 10 years my debt would be forgiven if all payments were made on time every month. My payments would change from time to time and at times be very high as much as I paid for my home a month. I would call and talk to them about the different payment options and different employees would give me different information every time I called. One person said I did not qualify for loan forgiveness, one person said I did, one person said I was never on that forgiveness program, and one person would say how many years I have been in the program. It was very conflicting, I never know what to believe, and feel like in the end I am going to have paid back more than I had to or I have been struggling financially with high payments when I could have been paying lower payments. I have also went through the same situations at XXXX XXXX, Since then, I have had several loan management companies call me and tell me that I should not be paying anything or next to nothing. They tell me I am being taken advantage of and at the end of my 10years of repayment I will be denied forgiveness due to how my loan company goes about handling loans so that they can get more money back. No one in the loan companies told me that I had to refile for income based repayment every year using my tax information until last year. So I know for a fact that for a few years I have been overpaying on my loans when it comes to monthly payments all because they didn't tell me I had to re-apply every year. And another thing, is that I have been shuffled through the system with everything out of my control with my loans being passed off from the US department of Education to Navient and then to XXXX XXXX. Its ridiculous! I should have been able to take my loans out with one company and stay with that company through repayment and be given consistent information throughout. It is so easy for student loan companies to take advantage of people, because all we know is that we have to pay what they tell us to until our debt is paid in full or its forgiven. Please investigate for me and help as much as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
There trying to find a certain person that is not me and they Have contacted Me Numerous times i do not associate or know the person they are trying to get ahold of and they Keep Calling me reapedtly and it needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations. 

Remove fraud alert

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: IL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations. 

Remove fraud alert

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
My mortgage was reassigned to Fay Servicing, effective XX/XX/XXXX. On XX/XX/XXXX my home substained major damage as a result of Hurricane Irma. I filed an insurance claim through Fay Servicing and throughout the process, my account manager was reassigned 5 times from XX/XX/XXXX through XX/XX/XXXX. During this time period I applied for mortgage modification  twice and each time, I had to contact Fay Servicing to receive an update of my package, and each time I spoke with a different agent, who related different information concerning my package. After paying my contractor money to repair my home ; I attempted to make a payment to Fay Servicing, however I was told they will not take a partial payment, I had to pay the arrears in full and in order for them to consider my modification package, I would have to obtained Homeowners Insurance ( which was not mentioned in the document requirement package ). Each month my mortgage get further behind and I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Creditor Information WELLS FARGO EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XX/XX/2007 {$10000.00} My loan was supposed to be transferred and refinanced with another company. The name of the lender and the lenders have changed several times over the years. I believe I am being double billed. When I contact Wells Fargo they will only tell me they are researching things. They continue to report several different balances and opening dates on my credit report and now they are reporting a charge off. I only had one account with them. Now I suddenly have 3 accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Senior account specialist at American Express is contacting me multiple times a day, has contacted multiple family members, and has now put my job at risk by contacting my employer on XX/XX/18. They are sharing my personal business with my family, and now are jeopardizing my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing right now with wish to obtain your help. Presently I am working on reviewing my credit, paying down my balances, and pursuing superior credit worthiness. You play a vital part in this procedure. I am inquiring about the account number referenced within this complaint. 
I see you have reported me 30 days late to the credit agency 's ( XXXX XXXX XXXX XXXX ) on XX/XX/2018 and I am writing to get this remark took back. I had believe I had made all my payments on time, the only thing I can think of, is actually that my statement failed to get to me in time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: IN

Complaint narrative:
I have attempted to resolve the debt from XXXX XXXX XXXX XXXX XXXX that Penn Credit is inaccurately reporting to all three credit Breaus. 

After emailing XXXX XXXX XXXX XXXX XXXX XXXX that the debt was not mine and showed That I was not the owner and provide residency thru the XXXX to back up my statement that I did not lived there they responded was.. In order to access or release information from your account, or to make any changes, we are required to verify the electric bill account number. If your account is security code protected, it must also be verified. 

Your account number may be retrieved online through your Account Summary. 

If you are unable to provide the required information, please contact our Customer Operations Center, available 24 hours a day, at XXXX 

After attempting to dispute it with Penn Credit as well they refused to remove the inaccurate data and claimed that the original debtor had validated it and refused to investigate or show proof of a contract with the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Following the Equifax data breach reported XXXX XX/XX/XXXX I froze my Equifax credit report. Recently I tried to unfreeze my credit report. Eventually after multiple attempts Equifax sent me a letter dated XXXX XX/XX/XXXX stating that the freeze was lifted permanently. XX/XX/XXXX I applied for a credit card and was told that my Equifax credit report was frozen. After multiple phone calls to Equifax XXXX XXXX, including Equifax cutting off the call once, I asked to escalate to a supervisor who asked all the same questions I had just answered 3 times already. I want to report Equifax for obstructing personal financial transactions, incompetence, and complete absence of customer service. Why is any business using Equifax for credit checking when their incompetence is legendary, as evidenced by the massive data breach they did not even discover for months? If possible I will avoid dealing with any business who uses Equifax for crediting reporting instead of one of the competent alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Hello, I have a collections account under my XXXX report from I C System trying to collect a debt for XXXX XXXX but I do not owe XXXX anything. 


I called to confirm and they couldn't identify any ties between my account and I C Systems. 

When i called and told I C Systems this, they couldn't assist me in anyway but to get me to settle for a cheaper amount on the spot. 

They said I have to take it up with XXXX but XXXX told me to contact the CFPB to get it 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 explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: PA

Complaint narrative:
XXXX and XXXX continues to ignore my CFPB complaint requests for a copy of the certified mail letter receipt from XX/XX/XXXX and XX/XX/XXXX, that shows I signed with my signature their debt letter for the amount allegedly owed. I HAVE NEVER received any correspondence from XXXX and XXXX and was never given the opportunity to dispute the debt within 30 days, which is my right under the FDCPA. Also, I HAVE NEVER received a phone call from XXXX and XXXX, and no messages were ever left on my phone, if they actually did call me. I dispute the debt, because I do not owe the amount of money allegedly owed. I have never been sent a copy of the credit card agreement or a copy of the contract with my signature specifically on them. I have never been sent a copy of the monthly statements that I actually bought items from XXXX XXXX XXXX and I have never been sent a proof of bill of sale from XXXX and XXXX, that specifically shows the exact amount owed. I continue to be harassed by XXXX and XXXX and do not want them communicating with me. I sent the package back to XXXX and XXXX because they continue to cause intentional infliction of emotional distress. I am a XXXX XXXX veteran and do not work. I have XXXX from the XXXX and their continued harassment of me is causing me to go to see my doctor for XXXX XXXX and increased XXXX XXXX because of them. A copy of all correspondence and complaints with the CFPB are being sent along with another complaint to the PA Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have disputed this with the credit agency that just informed me this was added on my credit file, this is an unknown debt which I believe is inaccurate, requesting full validation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clear Recovery, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX Store delivered and set up a youth bedroom set that was damaged at the time of delivery, I attempted to get the furniture replaced by notifying the delivery driver, emailing the XXXX XXXX Logistics person, and going in-person to the local XXXX XXXX store all on XX/XX/XXXX the date of the delivery. Despite my efforts to have the furniture replace and then later my request to have a full refund, XXXX XXXX Store was non-responsive. I disputed the charges via Visa and they returned my money after an investigation which XXXX XXXX challenged and lost. I even paid to have an independent furniture person come and assess the damage and provide a write up of their assessment on XX/XX/XXXX. I believe the original amount was {$2100.00}. Then later on XX/XX/XXXX, XXXX XXXX Store refunded me {$600.00} ( $ XXXX {$58.00} ) and released me from liability for the dresser. I have included all of my attempts to resolve this matter unsuccessfully with XXXX XXXX Store.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There is a bankruptcy on my credit that i never went filed. my ex-husband filed I would like the bankruptcy removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Solution Providers LLC
State: OH

Complaint narrative:
Financial Solution Providers responded to my 1st Complaint by saying they removed my file from their calling record but Ive received two calls afterwards and one where I have the voicemail still. 

Previously as well FSP contacted my place of Employment and disclosed everything I allegedly said to a Representative on the phone prior ( whom Id asked multiple times before to quit calling me & my place of Employment ) Im aware the State of Florida is beyond lenient on holding Telemarkters/Debit Collecters accountable for their actions and its very unfortunate. 


A Representative misrepresented himself by pretending to be someone else with a different name. Id like to know how thats acceptable? 

Another Representative misrepresented themselves as a XXXX Sherriifs Deputy to me. Id like to know how thats acceptable behavior? 

This Business Commits Many FDCPA Violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is a bankruptcy on my credit that i never went filed. my ex-husband filed I would like the bankruptcy removed from my credit report.

Company response to consumer: Closed with explanation