vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 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: GA

Complaint narrative:
I spoke with The Bankruptcy Courts and they emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

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 2017-09-18 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: NH

Complaint narrative:
Due to the Security Breach with EQUIFAX, I inquired with EQUIFAX is I am one of the consumers at risk, EQUIFAX stated there is that possibility, so I Immediately Contacted the 3 Major Credit Reporting Bureaus Individually to place a FREEZE on my account with each Credit Reporting Bureau. I am a New Hampshire resident therefore the charge is 10.00 per Credit Bureau, XXXX processed my request and has sent me written confirmation that my Credit Bureau Information has a Freeze, XXXX  has sent me written confirmation that my Credit Bureau Information has a freeze, both were processed immediately. HOWEVER EQUIFAX were the Security Breech began HAS NOT processed my request to FREEZE my credit bureau account, instead they offered me a free Credit Monitoring Service, I do not want a credit monitoring service, I want my consumer right of placing a FREEZE on my Credit Bureau account since my information may have been compromised. This is extremely troublesome that the Credit Bureau where the security breach occurred is the only Credit Bureau that has NOT granted my request. 
Please Advise my next steps of action I can take to secure my personal information with EQUIFAX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax allowed my credit information to be breached due to improper security protocol. This required me to freeze my credit as well as paying all 3 of the credit reporting agencies ( $ XXXX/each - including, inappropriately to Equifax themselves ) to put this freeze on my information. 

Not only was Equifax negligent in their security protocol, they also did not disclose this breach of information for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: FL

Complaint narrative:
I have disputed a collection on my account from XXXX XXXX XXXX requesting verification of this debt..i have also submitted 3 requests through CFPB and each of those complaints came back that this collection company is not responding, i have sent certified letters to this collection agency also and never got any responses either, when i dispute with Equifax each time they just say it was verified despite me asking constantly for verification i have no knowledge or verifications of this debt, i disputed with XXXX and XXXX and they been removed it but equifax has yet to verify or provide me with anyrhing this is unfair to be being reported and despite my multiple attempts to verify i still get no responses and also when CFPB sends complaints they dont respond back to them neither

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: MI

Complaint narrative:
I have contacted Capital One and I am having issues making and getting credit for payments. On XXXX occasions Capital One has stated that my payment did not go through when in fact I have read my baking information XXXX times. My bank had indicated that my payment did go through last month, which is the month of XXXX. 
I recently contacted customer service and tried to make a payment with my XXXX card. 
Customer service is providing me with a hard time trying to take my payment and will not wave late fees due to their error that I would need to speak with a supervisor. 
I have to waited hours on end to speak with a supervisor with the reason being that both hurricane XXXX and XXXX has impacted Capital One 's business. 
If this is the case, then my late charges should be waved, if Capital one is making errors due to this impact, and is short staffed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, I was the victim of credit card fraud. Two large, fraudulent purchases were made on my XXXX XXXX XXXX Credit Card, issued by XXXX. As soon as I noticed the charges on my credit card account, I immediately called XXXX fraud department to dispute the charge and cancel my credit card so that no additional fraudulent purchases could be made. 

One of the purchases was for {$840.00}, and was made on XXXX. XXXX 's fraud department subsequently conducted an investigation into this claim, and notified me that because the charge was made fraudulently, the charge had been permanently removed from my account. 

On XX/XX/XXXX I received a letter in the mail from the debt collections company Caine & Weiner, claiming that I owed {$840.00} to XXXX XXXX XXXX XXXX After receiving the letter from Caine & Weiner , I called XXXX security department, who informed me that they had received no communication from XXXX XXXX or from Caine & Weiner regarding this issue. They said that if the company ( XXXX XXXX ) wished to collect on a fraudulent charge, they needed to contact the bank that had withdrawn the payment ( XXXX, the issuer of the credit card ). 

On XX/XX/XXXX I wrote a letter to Caine & Weiner notifying them that I was disputing their claim that I owed this debt, and instructing them to communicate directly with XXXX if they or XXXX XXXX wanted to continue to pursue this collection. 

On XX/XX/XXXX I sent a signed copy of this letter to Caine & Weiner via certified mail. I received notification that it was available for pickup at the XXXX XXXX on XX/XX/XXXX, and was delivered on XX/XX/XXXX. After XX/XX/XXXX, I did not receive any more communications from Caine & Weiner or XXXX XXXX until XX/XX/XXXX. 

On XX/XX/XXXX I received an email from XXXX confirming that they had completed their Fraud investigation and that they had permanently removed the charge from my account because it was a fraud charge. 

On XX/XX/XXXX, I received another letter from Caine & Weiner about the debt, asking again that I submit payment. They have clearly ignored my previous letter, since they have still not contacted XXXX. This is a bad faith effort to collect, and now constitutes harassment. They are trying to scare and harass me into paying a debt that I do not owe. If they want to collect on this fraudulent charge, they need to pursue that with the bank that withdrew the payment ( XXXX ) and not with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: NJ

Complaint narrative:
My Trans Union Report incorrectly shows 2 Federal Tax liens. They show paid but the do not include the new necessary information and therefore must be deleted under the new guidelines. It does not show my SSN or DOB. Transunion refuses to delete this despite the new regulations. 

( The standards will apply to new and existing data in files and will require that the public records sources include the individual 's name, address and Social Security number or date of birth. )

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 2017-09-18 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: WI

Complaint narrative:
The XXXX data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to XXXX 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX, 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 2017-09-18 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: WI

Complaint narrative:
The XXXX data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to XXXX 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX, 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 2017-09-18 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: STONEGATE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Stonegate Mortgage merged with XXXX XXXX XXXX. They suspended credit reporting last XX/XX/XXXX due to their merger, and they have told me they would resume reporting by XX/XX/XXXX. All payments have always been made right on time at the first of every month. My credit reports still show Stonegate Mortgage with the last payment date of XX/XX/XXXX and the balance as of last XX/XX/XXXX. I have repeatedly attempted to correct this via both email and telephone. XXXX XXXX is either unwilling or unable to report my payment history and balance correctly. My latest credit reports dated XX/XX/XXXX remain incorrect, with no history since last XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Control Technology, Inc.
State: SC

Complaint narrative:
This debt was already collected from another collection agency.

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 non-monetary relief
Consumer complaint received 2017-09-18 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: FL

Complaint narrative:
XXXX Mortgage merged with XXXX XXXX XXXX. They suspended credit reporting last XXXX due to their merger, and they have told me they would resume reporting by XXXX XXXX. All payments have always been made right on time at the first of every month. My credit reports still show XXXX Mortgage with the last payment date of XXXX XXXX, XXXX and the balance as of last XXXX. I have repeatedly attempted to correct this via both email and telephone. XXXX XXXX is either unwilling or unable to report my payment history and balance correctly. My latest credit reports dated XXXX XXXX remain incorrect, with no history since last 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 2017-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient has called my job several times after i have specifically told them not to contact me at work regarding the collection of my student loan debt. These are illegal tactics and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
On the XX/XX/XXXX I received a letter from NCAC ( debt collection ) agency regarding the outstanding debt of {$2500.00}. 

On the XX/XX/XXXX I emailed the representative to advise this amount is disputed between their client and myself due to multiple issues and provided an unanswered letter to their client. 

The NCAC representative said they spoke to their client and have made the " final decision '' that I am still liable for {$2500.00} ( without providing a statement or validation of debt prior ) and will have my credit rating negatively affected if this payment is not made. 

The outstanding debt is in dispute due to violations made by the XXXX XXXX and myself. They made several changes that affected my stay in the apartment and caused damages to my property. NCAC is not a court of law to make decisions on disputes between two parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I have been victimized by the XXXX real estate crisis. Was given bad information pertaining to a re-fi loan application back in XXXX. Had perfect credit score until that point when I was instructed by advisors to miss at least 6 mortgage payments to become eligible. While following their directions my mortgage company began the foreclosure process. I had to scramble to maintain my home. Had to pay {$15000.00} to reestablish a 40 year mortgage at 7.75 % interest rate to keep from losing my home. Since XXXX, my guaranteed mortgage was converted into a none guaranteed mortgage causing me a problem getting any refinance consideration due to the fact it was now a none guaranteed mortgage. This process whereby my mortgage is bought and sold has occurred no less than a half dozen times. Most recently is occurring right now as my mortgage is being sold to XXXX XXXX XXXX effective next month. 
I want to be able to refinance my mortgage at a reasonable rate but because the status of my mortgage has changed I am ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am being charged XXXX times a month {$24.00} for credit monitoring and I can not get thru to the company to fix incorrect charges

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 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: GA

Complaint narrative:
I applied for a US bank XXXX card XX/XX/XXXX, and activated the card on around XX/XX/XXXX. I am supposed to receive XXXX bonus points after meeting the spending requirement in 3 months. When it was about XX/XX/XXXX, I called the bank and inquiry about my spending and how much time I have to meet the spending requirement, I was told that the time has already passed, but she will talk to a supervisor and let him/her get back to me in 2 days. However, no one called me. After a week, I called in and spoke to a supervisor. At first, she told me that the 3 months starts at the activation date, so I am supposed to have until XX/XX/XXXX to meet the requirement, but since the date still already passed, so she ca n't give me the bonus points, nor give me the extension on that. When I brought out about the misleading information about meeting spending by XX/XX/XXXX from the first agent, the supervisor went back and checked the voice record, and changed her story by saying that it should be XX/XX/XXXX, and stated that I will never have any possibility getting those bonus points! Then I asked to close my account, and I have confirmed with her at least three times that the annual fee charged on the account will be refunded. She confirmed three times that I will receive a refund on annual fee. But it was more than a month, and I did n't receive refund at all. When I left a message on US bank, I received the response that I ca n't get the annual fee back. I ca n't understand why a bank could give so conflicting words all the time, and they do n't hold any responsibility for what they have told their clients!

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
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a Bussiness under my company name XXXX XXXX XXXX, XXXX i advertised my vacation rental apartment through XXXX XXXX Website A guest came and Stayed in my vacation rental and paid to someway Payment by his american express XXXX XXXX card then the guest decided to dispute the charges and Scam me after he checked in, american express processed a dispute in the favor of their Client of course and reversed the payments with home away payments my account which under my name with home away payments are Negative and they are threaten me by collection which will hurt my credit They send an email and called on the phone threatening me by suing and hurting my credit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied for a Walmart Credit Card and was approved. I called up and asked for a Credit Increase. The increase was denied and I decided to Not Accept the Credit Card. Credit rep told me no card would be opened or sent to my home. I checked my credit report yesterday and there is a New Account that was listed and closed within 1 day. This is incorrect as I declined the offer. My credit has gone down XXXX points because of this. I Called Walmart and spoke to one of the rudest representatives there who told me there was nothing she would do. Walmart lied to me about the account and it should be deleted. I never accepted the offer .The terms and my rights were not read to me when I declined the offer. I will be also filing a complaint with the NY State Attorney General

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 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: MS

Complaint narrative:
This debt is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted the CBE GROUP and has not received a response to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC
State: GA

Complaint narrative:
I have been victimized by the XXXX real estate crisis. Was given bad information pertaining to a re-fi loan application back in XXXX. Had perfect credit score until that point when I was instructed by advisors to miss at least 6 mortgage payments to become eligible. While following their directions my mortgage company began the foreclosure process. I had to scramble to maintain my home. Had to pay {$15000.00} to reestablish a 40 year mortgage at 7.75 % interest rate to keep from losing my home. Since XXXX, my guaranteed mortgage was converted into a none guaranteed mortgage causing me a problem getting any refinance consideration due to the fact it was now a none guaranteed mortgage. This process whereby my mortgage is bought and sold has occurred no less than a half dozen times. Most recently is occurring right now as my mortgage is being sold to Morgan Stanley LLC effective next month. I want to be able to refinance my mortgage at a reasonable rate but because the status of my mortgage has changed I am ineligible.

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