vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 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: CA

Complaint narrative:
I made a transaction with XXXX XXXX  on XX/XX/18 and posted a payment in full on XX/XX/18. It was after I made a payment in full I thought the transaction was over, but apparently the bank account number they had was incorrect. This caused my payment to not go through. They did not alert me or send me any notice the payment had not gone through, which is a breach of their fiduciary duty to me, the consumer. They let the late payment sit for months without any contact to me that I was late due to a bank error from XX/XX/2018 until in XX/XX/2018 they flagged me for collections and reported me to the credit bureaus as a 30 day late payment. This flagging my credit reports is the only way I found out I even had a late payment. It was then that I called and immediately paid in full and the representative reversed all late fees and admitted it was an error on XXXX XXXX 's part. I have now been in a dispute with them because they refuse to remove the error from my credit report and it is affecting my ability to obtain a mortgage. I have no late payments on my report other than this one made in error and I have always had a clean report. XXXX XXXX is trying to bully me into letting this go, but their representative already admitted fault in that they never contacted me one time during the span of 4 months.

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 2018-10-25 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: FL

Complaint narrative:
It all started last year with the XXXX data breach. I have put every security measure possible on my finances and credit report, including services offered by XXXX such as XXXX XXXX, as well as XXXX. Literally almost everything I own has been hacked due to this breach. I deal with disputes on my credit file DAILY. My email has been hacked, I've lost count of how many times I've changed my bank card and account. I've lost alot of money, time and mental health. The newest situation, the reason for this complaint, is that I went to go apply for something and the company told me my credit was locked. The only way your credit can be locked is by you doing it yourself. I know for a FACT I did not lock it recently ( last week I applied for a cc with no problem ). I called XXXX to find out what was going on, and bottom line someone locked my credit report without my knowledge and they have no answers for me. Period. I'm so sick of this. It's ruining my life!!!!

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 2018-10-25 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: TX

Complaint narrative:
RE : ( 1 ) Experian Credit Freeze Lift Denial PIN # XXXX ( 2 ) Primary Phone # XXXX XXXX No Answer, No Representative ( 3 ) Failure to lift freeze timely. Caused rejection for important loan. 


Hello, I've been trying to Permanently Lift my credit freeze for over 2 week period. Without success. Both other agencies have online ability and it actually works. Experian on the other hand. Phone access is useless. Online access give following denial ever application. 

Response : We were unable to honor your request to permanently remove your security freeze at this time. Please try your request by mail. 

Experian Security Freeze Your identification information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Social Security number : Date of birth:XX/XX/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 non-monetary relief
Consumer complaint received 2018-10-25 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: CITIBANK, N.A.
State: VA

Complaint narrative:
this bill was mailed out prior to the due date, and was claimed to have never been received by Citi, I mailed all my payments on time with no other issues, mistake on their end and they were unwilling to assist.

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 2018-10-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/18 I obtained by Equifax credit report ( confirmation number XXXX ) and after reviewing it I noticed that I have 2 negative accounts that I do not recognize reporting to my credit report. One is from XXXX XXXX and the other is XXXX of which i have no clue why it is reporting on my credit report. I have never done any business with these account people listed. I have disputed this before and it is clearly not being handled with critical discernment and it is very disheartening. I am including credit report and other supporting docs for immediate assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Approximately a year ago my personal information was stolen from a supposedly secure data base of the Eqifax credit reporting agency. Apparently 90 % of clienteles information was stolen from hackers unknown. Because of this information in someone else 's hands they were able to take out loans which they didn't pay back, buy things from credit cards applied for in my name, and drop my credit score from good too poor in a matter of days. At that time I was in the final steps of purchasing a home when a final check of my current credit score revealed a much lower score then when the loan application was first started period because of Equifax giving all my information out to Crooks unknown I'm in financial ruin I lost buying a house and as a result am homeless and struggling to make ends meet. This is going on all because Equifax did not secure their clienteles data. They are totally at fault 4 so many troubled days and nights not only on my part but thousands of other people 's credit gone into the gutter. Something needs to be done and all victims compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I, XXXX XXXX ( primary owner ) and XXXX XXXX ( co-owner ), were given a 25 % interest loan for a XX/XX/XXXX pre-owned used car. We didnt know much about car loans then and thought we were doing a good thing. Weve been paying {$390.00} for 2 years now and just found out this year that payments did not apply to the principal until XX/XX/XXXX. We noticed our loan was never going down when doing our taxes. Our car is at {$150000.00} and {$13000.00} is still owed on it. We have about 1 more year of use on this car and would have to pay {$1400.00} a month to pay it off before it can no longer be used. We have two kids, two kids and just want some sort of relief from this horrible interest rate. We pay on time and faithfully. Please help! No one will refinance the car because its NADA value is upside down its loan amount. We didnt know better and now we do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I had some fraud on my bank account and Chase bank is helping me with disputes but My bank account went into the negative because of the fraud charges and they are only removing 2 of the nsf fees and not all of them. I have been with chase for 4 and a half years and now feel like they are mistreating me. If I can't get them to resolve this matter I will be leaving Chase for good.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a complaint on XX/XX/2018 to the CFPB regarding XXXX XXXX failing to validate a debt that they have been reporting to Transunion. This XXXX XXXX account was removed from other credit reports due to not being validated. I would like to know why Transunion is still reporting this debt even though XXXX XXXX has failed to supply any validation of debt to me within the allotted time after my written request? XXXX XXXX also failed to respond to the CFPB complaint and provide the requested validation within the allotted time period. I would like to know how then is Transunion verifying information that XXXX XXXX themselves, and no other Credit bureau has been able to validate? They have not provided me with any documents to suggest they have investigated or validated any information from XXXX XXXX. They just keep sending the same generic response letters to the CFPB complaint and putting the account in an endless rotation of false investigations. Only to reply with another generic response that the company XXXX XXXX has verified that the information is accurate. Transunion has also handled my debt validation requests with XXXX XXXX in the same manner. XXXX XXXX like XXXX XXXX has failed to provide me with any documentation that is signed by me or includes any of my personal information such as social or state DL number. I have also submitted a complaint on XXXX XXXX through CFPB. They have failed to respond to that complaint as well. So again the same scenario that instead of truly investigating the errors on my report Transunion is just replying with a generic standard reply and not validating the debt at all.

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 2018-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
I previously filed complaint # XXXX against the Simon 's agency for collecting on a debt that they claimed was owed and I provided proof of payment. Their client, XXXX XXXX XXXX XXXX also confirmed that this was sent to collections in error. The Simon 's Agency fabricated the facts in their response to the CFPB, but stated that the file was not being sent to collections and was being handled. They just reported this to XXXX, which has caused my credit score to drop. I demand that they cease all collection activity and fix the damage that they have done. 
Thank you for your help in making this matter right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: NV

Complaint narrative:
Hard inquiries I did. It aithorize on my trans union credit 1. XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/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 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX dollars was deducted from my checking account in the form of a " Monthly Maintenance Fee. '' The bank says I can avoid the fee if I maintain a balance above {$1500.00}, have a direct deposit of {$250.00} or more, or enroll in preferred rewards. I was charged the fee on XX/XX/18.

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 2018-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
This is a NEW complaint with PayPal Credit. This company will not work with a consumer, or even reply. I wish to close out this account and under Hardship/Medical Hardship, of which both are available options, and denying, not addressing these concerns can be seen as discriminating to me, with credible XXXX. ( # XXXX XXXX XXXX XXXX ) ( phone # 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 2018-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has sent negative information to XXXX XXXX XXXX XXXX XXXX.XXXX, NC XXXX a debt that they say I owe. I have sent several letters to XXXX XXXX XXXX to prove this debt with a contract I signed to validate their claim. They have refused to do so. I am entitled a validation i.e a signed contract by me or document with my signature. This debt doesn't belong to me and has caused damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was approved for a Walmart credit card yesterday on XX/XX/2018 and they refuse to send out my credit card and told me that I have to go through another security verification and I just fax in my notarized documents and my id and they wanted me to do a phone number verification and I explain to them I only have one working number they said its not a good number and this credit card account is showing up on my credit reports as a active account and they refused to mail my card out 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 2018-10-26 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am writing in regards to the hard inquiry pull from Paypal Credit on XX/XX/2017. As previously stated I have no recollection of thi ever applying for this form of credit and have even spoken to members of your customer service team that can find no evidence of me applying for credit with PAYPAL. Recently I chose to dispute this hard inquiry however, it is obvious that the response received was generic as I have personally reached out to your customer service department who had no record me ever applying for any form of credit from paypal. I implore you to do adequate research into my claim as this response has not addressed my concern! Please provide information regarding when I would have applied for this credit as well as what medium was used. The call center representatives I spoke to highlighted that they were unable to send a credit removal letter to the credit bureau as they had no record of the transaction being done. I am concerned about this constant run around between you and the bureaus because as stated before I have no recollection of applying for this form of credit! Please address my concern. 

I future elaborate that failure to positively verify these accounts has hurt my ability to obtain credit and note that I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623.

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 2018-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY

Complaint narrative:
I fell behind on my mortgage around XX/XX/2017 due to slow work and less money.I am also taking care of a XXXX grandchild. I am really struggling in life. I tried my best to keep up, but the money just keeps accumulating. I became so desperate and stressed out. On XX/XX/XXXX I applied for mortgage assistance with my lender Vanderbilt Mortgage. I then received a letter dated XX/XX/XXXX offering me {$500.00} to vacate my home by XX/XX/XXXX. I received the letter after XX/XX/XXXX. So, they basically gave me a week to vacate for {$500.00}? How dare they? {$500.00}?? What am I going to do with {$500.00}? Then a letter dated XX/XX/XXXX arrives asking for {$2100.00} and then they'd bring me back to current and denied my application because it was their " belief '' that I can afford the payments with the current terms. So first {$500.00} to basically go homeless and then just magically pay them {$2100.00}? Are they crazy. They are really a nasty bunch. My interest rate is 12.72 %!!! And, I am not by any means wealthy. I just want some payment relief so I don't get into this situation again. These guys are a real bad bunch. I need help. Please.

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 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
This complaint is regarding an alleged debt collection from XXXX XXXX XXXX. It appears that the company is a collection company contracted with several municipalities. they appear to be contracted with the XXXX County Courthouse in Idaho. They sent me to XXXX for collection on an unpaid infraction fee around XX/XX/XXXX prior to exhausting all appeal procedures in court. As a result of non-payment they also requested my license to be suspended by the Idaho Transportation Department. 

I inform the collections company that the appeal of the infraction was still pending after I got the first notice. On XXXX the Idaho Legislature implemented House Bill 599 which determined that all pending infractions for failure to pay/suspensions were cleared. I told the collections agency that but they are still harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: MA

Complaint narrative:
OK this is XXXX XXXX XXXX A company name XXXX XXXXXXXX has put a false and negative collection on my credit report. This has drop my credit score 29 points .. I had a XXXX score now I have a XXXX.this is false because I do not owe them anything. I never heard of them at all.. I think they brought the debt from some one because the debt is not mind I have not a clue what they are talking about.. According to the fair credit reporting act. by LAW they have to VERIFY the debt. they Have to have the ORIGINAL CONTRACT .or ME on camera signing the ORIGINAL CONTRACT .OR my IP ADDRESS opening a ORIGINAL CONTRACT .. when I request this things they got nasty with me over the phone.. SO I Request it in writing they did not respond to my request. they just Proceeded to VIOLATE the fair credit reporting act .. Now I want to SUE them AND I need your help >BECAUSE they hurt me and my score. XXXX XXXXXXXX COLLECTION AGENCIES IS LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX they brought my information of a public record of a federal lien on me and my business Which I payed off in full.. I started RECEVING phone call and letter ever sence then..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
My complaint is about a {$11000.00} " capitalization fee '' that I was charged for a loan modification back in XXXX, that reduced my mortgage loan interest rate from 9.0 % to 8.25 %. I contacted my mortgage company twice to have them send me my original loan documents and the modification documents, which they did send me some documents but they were minus all of the pertinent information. I eventually found my documentation from the modification, which is why I know that they charged me {$11000.00}. The reason why I think that there is something amiss about this is because they didn't send the complete documentation and their reluctance to assist a client who has been making on time payments since the modification in XXXX. 
I also just happened to read an old article from a XX/XX/XXXX " XXXX XXXX '' about a woman that was approved for a loan modification for her house and was charged a " closing fee '' of {$11000.00}, which the bank had to correct after the woman contacted your agency. I don't know if it's similar in any way, but I have no other recourse.

Company response to consumer: Closed with explanation