vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
XX/XX/2019- I called to try and get my account number and pin to access their website to pay my debt. I called back and another woman got on the phone asked if I was paying in full I advise no and she hung up. This is rude and unprofessional and abusive behavior. This company should definitely be investigated. There may be other victims. I've now started having medicals issues because of the conduct of this company. Please pull the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt that I do not owe. I was in a car accident and the insurance was supposed to pay for this, I should not have this debt on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: AZ

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt that I do not owe. I was in a car accident and the insurance was supposed to pay for this, I should not have this debt on 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 2019-11-19 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: GA

Complaint narrative:
Contact debtor on XX/XX/2019 to request proof that this is a valid debt. The companies are reporting information to my 3 credit reporting agencies without providing validation. This is causing injury to my person because i am not able to obtain new credit based on these claims.

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 2019-11-19 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: AZ

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt that I do not owe. I was in a car accident and the insurance was supposed to pay for this, I should not have this debt on 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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2019-11-19 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: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
XXXX XXXX refuses to mark our XXXX mortgage payment as made timely when we refinanced our loan to XXXX XXXX and payoff was sent via wire transfer to XXXX XXXX on XX/XX/2019 and the wire confirmation shows it was received in XXXX XXXX account on XX/XX/2019. XXXX XXXX erroneously claims they received payment on XX/XX/2019. I have reached out to XXXX XXXX twice regarding this error and they have researched it and still refuse to fix the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: IL

Complaint narrative:
In XXXX I XXXX XXXX, had the same problem with XXXX XXXX  where I owed them money for some account. I then sent them a " validation letter '' asking them the validity of the account. The Bank XXXX XXXX  responded partially and never prooved that I owned that account. Now, in XXXX I have this new lender or servicer named, FCI Lender Services , Inc . I have sent FCI Lender Services XXXX Inc a " validation letter '' and they responded with fraudulent documents. They have failed to prove the debt with an " Assignment of Mortgage '' or " Assignment of Debt '', and continue to send partial answers. This matter has caused unrepairable effects to my credit and has cost me thousands of dollars and denial to any 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 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: STATE FARM BANK, FSB
State: NY

Complaint narrative:
This bank has discriminated against me first I receive a letter they need to verify my identity I send the documents to XXXX XXXX and by mail I call them and let them know if they got it they said yes then I get transferred to different department and a man which I spoke to was very rude To me and said its declined due to bank policy I said I dont understand its me Ive sent the documents as requested whats going on he refused to Help me and hung up on me very rude bank and very rude security department

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: GA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of 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 2019-11-19 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: AZ

Complaint narrative:
XXXX # XXXX is reporting a collection that I do not owe. This account is settled and should not be reporting a charge off onto my credit. This is in violation and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: AZ

Complaint narrative:
XXXX # XXXX is reporting a collection that I do not owe. This account is settled and should not be reporting a charge off onto my credit. This is in violation and it needs to be removed.

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 2019-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX # XXXX is reporting a collection that I do not owe. This account is settled and should not be reporting a charge off onto my credit. This is in violation and it needs to be removed.

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 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS
State: VA

Complaint narrative:
I am a victim of identity theft. I have been in contact with all major bureaus letting them know that a bankruptcy that appears on my credit file does not belong to me. Two of which have respected my wished and removed the bankruptcy from reporting. However, XXXX and LexisNexis have not. I have sent in paperwork multiple times with proof that the bankruptcy does not belong to me ; I have filed an FTC report and specifically stated for the information to be " blocked off my credit report file pursuant to section 605B of the FCRA, '' to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: PA

Complaint narrative:
On XXXX I agreed to paid to delete for XXXX. They took first payment out of XXXX on the XXXX and I have laid XXXX already with 2 payments left. Once we agreed they reported to credit bureau and they weren't supposed to as I was never contracted with them originally. I was willing to pay off portion as a show of goodwill under certain conditions They would not list this debt as a settled account Company would not sell or transfer Would not mention to outside third parties etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: VA

Complaint narrative:
2 Companies have high 700 but Experian has XXXX wont give me a straight answer on why if they give companies information on credit and make these companies make decisions on this information it better be right

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 2019-11-19 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: TX

Complaint narrative:
I changed my autopay option on my federal student loans with Navient to use my new checking account. My old autopay was coming from a joint account with my ex-wife and I do not want that exposure anymore. I received an interest rate discount for being enrolled in autopay which I lost despite me re-enrolling in autopay seconds after cancelling my old autopay. Navient has stated that my interest discount will not go back into affect until XX/XX/XXXX which is the next autopay due date. Today is XX/XX/XXXX so I will be charged a higher interest rate for over a month. I have spoken with Navient and they stated there is no way for anyone at Navient to fix the interest rate discount and they are unable to simply modify your existing autopay to a different bank account without cancelling your old autopay so you do not lose any autopay discounts offered on Federal Student Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: CA

Complaint narrative:
I currently have a loan with XXXX XXXX, XXXX XXXX car Company. The payments are $ XXXX  monthly by XXXX. In XX/XX/2019 I notified XXXX XXXX I was changing banks from XXXX XXXX  to XXXX XXXX. I filled out the form well in advance and submitted it. The form stated that the new account would not be active for 14 days. To cover the automatic payments my previous XXXX account was left open with sufficient funds for over 90 days to allow my original XXXX to continue until the new XXXX became active. Without notification, XXXX XXXX  canceled my original XXXX and did not notify me for several weeks, by mail. Upon receiving this notification I immediately called XXXX XXXX  and brought the payments up-to-date. They waived the late charges and still reported a late payment in XX/XX/2019 to all three credit reporting agencies even though my original XXXX account was still valid. They did not notify me they were going to cancel my original XXXX and that I should make payments through another means until the new XXXX was active. I have called them and wrote them letters. Their response was once they report a late pay they will not reverse it. I contend I did not cause this late pay. It was caused by a flaw in their systems communication. I would like this late pay removed from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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:
I currently have a loan with XXXX XXXX, XXXX XXXX XXXX  XXXX. The payments are $ XXXX  monthly by XXXX. In XX/XX/2019 I notified XXXX XXXX I was changing banks from XXXX XXXX  to XXXX XXXX. I filled out the form well in advance and submitted it. The form stated that the new account would not be active for 14 days. To cover the automatic payments my previous XXXX  account was left open with sufficient funds for over 90 days to allow my original XXXX  to continue until the new XXXX became active. Without notification, XXXX XXXX  canceled my original XXXX  and did not notify me for several weeks, by mail. Upon receiving this notification I immediately called XXXX XXXX  and brought the payments up-to-date. They waived the late charges and still reported a late payment in XX/XX/2019 to all three credit reporting agencies even though my original XXXX account was still valid. They did not notify me they were going to cancel my original XXXX and that I should make payments through another means until the new XXXX was active. I have called them and wrote them letters. Their response was once they report a late pay they will not reverse it. I contend I did not cause this late pay. It was caused by a flaw in their systems communication. I would like this late pay removed from all three credit reporting agencies.

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 2019-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX refuses to mark our XXXX mortgage payment as made timely when we refinanced our loan to XXXX XXXX and payoff was sent via wire transfer to XXXX XXXX on XX/XX/2019 and the wire confirmation shows it was received in XXXX XXXX account on XX/XX/2019. XXXX XXXX erroneously claims they received payment on XX/XX/2019. I have reached out to XXXX XXXX twice regarding this error and they have researched it and still refuse to fix the error.

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 2019-11-19 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: IN

Complaint narrative:
XXXX XXXX refuses to mark our XXXX mortgage payment as made timely when we refinanced our loan to XXXX XXXX and payoff was sent via wire transfer to XXXX XXXX on XX/XX/2019 and the wire confirmation shows it was received in XXXX XXXX account on XX/XX/2019. XXXX XXXX erroneously claims they received payment on XX/XX/2019. I have reached out to XXXX XXXX twice regarding this error and they have researched it and still refuse to fix the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: First Associates Loan Servicing LLC
State: OH

Complaint narrative:
I have been paying this company since 2013 and they refuse to adjust the balance or report accurately. I have not been late on a payment. They have not counted my payment toward the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this due to the fact that XXXX, Equifax, XXXX  have reported I have an outstanding debt with. They have failed to uphold the law. 
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 ) that they have on file of the accounts listed in the credit report. Their 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 the verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I applied for an apartment back in XX/XX/2019 which was a {$190.00} application fee. The leasing agent I worked with told I would receive this back if I did not peruse to live there. I never received my lease from him because he left the company and no one reached out to me regarding moving in. Therefore in XXXX I made a dispute with my credit card company. Then the apartment company immediately sent me to a collections company without ever seeing a response from them. I never received any paperwork stating they were trying to collect a debt from me and what it was for. I repeatedly asked for them to send me something and all they would tell me I was I had 30 days to pay it and it will still go on my credit. The credit collector refuses to have a normal conversation with me. Called and emailed repeatedly that I was charged this on my credit card account. They didn't care to listen to anything I had to say. I was also told it wouldn't be reported on my credit but 30 days later it showed up after I had no choice but to pay it. 

Date Reported XX/XX/2019 Date Assigned XX/XX/2019 XXXX XXXX   XXXX/XXXX  Client Name XXXX XXXX XXXX   Original Amount : {$190.00}

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 2019-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I checked my account, as I do every day. I saw that the account was overdrawn so I attempted to deposit a check via the mobile app, but it would not allow me to get online. I tried the app on my phone, my husbands phone and, worrying that it was a problem with XXXX  phones, had my daughter load it onto her XXXX. I could not access the app from anywhere. I immediately contacted the bank because I did not want to get a late fee simply because their app wasn't working. However, I was charged a bounce fee anyway. I asked that the fee be reversed and they refused. I use the app because it is often difficult to get into the branch. They provide the app as a convenience that I took advantage of. The fact that THEIR APP was not functioning correctly is the SOLE REASON the funds were not in the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief