vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2016, this debt for {$1600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2018 Received an email from XXXX, XXXX XXXX, about the new credit card balance for the card " I '' recently opened. I immediately phoned the card company to explain I did not open any new credit anywhere at anytime. She was nice enough to explain the process I need to do to handle this and started an investigation on her end. 
XX/XX/2018 Experian added an initial security alert for 91-120 days. 
XX/XX/2018 I processed an on-line police report with XXXX Police Department stating fraud using my personal information. 
XX/XX/2018 I mailed to Experian, a copy of the police report and all necessary information to have the fraud alert extended for 7 years or a permanent alert, as rightfully entitled. 
XX/XX/2018 Experian mailed me a notice stating a ) my request was redundant b ) I forgot to include personal information in my request c ) I need to include a valid theft report from a local law agency. 
XX/XX/2018 I went to my local law agency ( XXXX Police Department ) to ask for help. The officers that I spoke to told me that my report # XXXX is in fact a valid report and there is nothing they can do for me, because I already have a report stating details regarding my situation, I can not amend it nor file another report. 
XX/XX/2018 Again, I mailed all the necessary information, including a statement of what XXXX told me. 
XX/XX/2018 I received a statement from Experian stating I had to include a valid theft report. 
XX/XX/2018 Again, I mailed the necessary information and a statement that said I have already done all the necessary steps to try to protect my credit information and my frustration with them repeatedly requesting a valid report. 
XX/XX/2018 Experian notified me of results and that was that I need to submit a valid theft report. 
As of today, I am still going round and round with this agency at great length and I am completely dissatisfied with all results they have issued me and with how to contact them. I can not speak to a live person to state all of this information. 
I formally request help with my case and to obtain an extended fraud victim 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 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I got a mortgage from XXXX financial institution XXXX. This institution went out of business for a long time, maybe XXXX. For over ten years I am been dragged in and out of court by other institutions in an effort to confiscate my home. 

When I bought this house, I was part of the mortgage scam. I was given a mortgage for over {$500000.00}. As an elderly American I was not aware of all the trickeries applied to me. I got a house and when I went to take over it was a shell. No bathrooms no kitchen, no running water, no plumbing, roof caving in, no heating system ; It was just a shell. I was tricked. I cried because I was indebted to a bank and I had no home that was fit for living in. I was a victim of the mortgage scam. I did not know how to fight a big bank. I paid the mortgage and had few repairs done so I could live in this shell I was given. How could a bank authorize and pay out {>= $1,000,000} mortgage for a shell. 

The bank XXXX is no longer in existence. Two judges have since dismissed the foreclosure case. Today the judge is rescinding saying he made a mistake. Now another bank Seterus financial institution is putting my home on the auction. Who can investigate these financial institutions for such robbery to a widow with no husband to help fight such giants. What I understand is that I was robbed and the representatives of the financial institution XXXX and the parties involved must have known. 

After fighting this situation, depleted all my resources, to live in my home, now another bank is claiming my home. Who am I to petition to investigate both the assets of XXXX a bank no longer in existence and Seterus who is claiming to own this robbery of a situation? Please help I can not be robbed twice for the same home.

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 2019-01-11 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: MO

Complaint narrative:
On XX/XX/2018 I sent in a dispute letter to XXXX asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.

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 2019-01-11 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: MO

Complaint narrative:
On XX/XX/2018 I sent in a dispute letter to XXXX  asking them to provide proof of verification as to how they verified the bankruptcy on my credit report. I never received a response from either party regarding proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have sent more than 3 notices through Consumer Federal Protection Bureau complaints on Portfolio Recovery Services on multiple accounts that were reported to my credit report illegally. The have violated many Fair Credit Reporting Act and Fair Debt Collections Laws and have destroyed my credit. 
Over the last year I have requested documents required by Law and they have ignored them and said they never received them even though there are records showing this from previous complaints on record by the Consumer Federal Protection Bureau. These files show they indeed have received my disputes and complaints. 
They have exhausted more than the 30 day time frame to allowed by Federal Law to provide all required documents needed to prove this debt is valid- I dispute this debt again. I have no records of this amount they are trying to collect and neither do they. 
Portfolio Recovery has a history of forging documents and stalling saying they have never received any disputes. I have records for fake Dunning Letters and Statements they provide that does not show the full detail of the accounts and due to this they have removed 3 other accounts that I have had the same issue of them proving the debt is actually owed. I am requesting they do the same and release and remove this account from all credit reporting agencies immediately. 
I have also disputed this account with the credit bureaus and Portfolio Recovery reports this account as verified just like they did with the others but have since removed them. One of which is listed in the most recent complaint XXXX-XXXX submitted on XX/XX/2018 but this account # XXXX was not. 

Portfolio Recovery is using Harrasement and Unfair Collections to collect this debt according to the Federal Debt Collection Practices Laws. I have included the numbers and dates of previous complaints that show that my notice of DISPUTES have been dismissed by this company and the claims unfounded. 

Compaint # XXXX-XXXX Submitted to the CFPB on XX/XX/2018 Compaint # XXXX Submitted to the CFPB on XX/XX/2018 Complaint # XXXX-XXXX Submitted to the CFPB on XX/XX/2018 -Did not provide copies of any validation or verification -Continues to reply PRA has no record of a request or dispute being received in relation to its initial notification letters. 
-Never sent Dunning Letter but reported to my credit report- No proof of letter every being sent -Can not prove the amount owed is valid or owed- or accounting of amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens Bank offered a promotion to open a checking account. I received this promotion via e-mail, clicked on the link and opened the account. I met the requirements from a timing standpoint and started direct deposit. The {$400.00} bonus was to be paid within 90 days.

I opened my account on XX/XX/2018 and my first direct deposit for {$1000.00} was made on XX/XX/2018. The program requirements were to open the account between XX/XX/2018 and XX/XX/2018. There were no requirements as to the timing of the first direct deposit, only that it be at least {$1000.00} ( which it was ) and that the bonus would be paid within 90 days of the direct deposit.

At 90 days I called to check on the status of the deposit. After numerous attempts and a lot of time on hold and being misdirected by ineffective service representatives, they eventually told me that I was not going to receive the bonus as I must have clicked on the wrong link when opening the account and some identifier number did not get logged with my account.

This was after I spoke to a number of service representative who told me I had met all the qualifications and payment must have been overlooked by the sales department and it would be corrected.

I called Citizens Bank on XX/XX/XXXX, XXXX, XXXX  XXXX, XXXX and XXXX, before someone actually told me that they were not going to pay the bonus on XX/XX/XXXX.

I had called a few times before then, just to verify that I did not need to do anything further.

Banks should not be allowed to offer promotions and then ignore their promise. The promotion encouraged me to print a copy for my records which I did, but that did not matter to Citizens.

I've attached a copy of the offer from Citizens Bank which I received via e-mail. There is only one obvious link - " open account ''. They claimed I must have clicked the wrong link and therefore, the way I opened the account did not qualify me for the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
wakefield and associates are garnishing my wages and the debt is not mine. I explained several times, called them, and they still continued to collect after I explained that it was my ex-wifes debt we were divorced for over 5 years and they still pursued me. XX/XX/XXXX trying to collect XXXX dollars. I gave them my divorce decree and they still pursued and are garnishing my wages as of 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 2019-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I sent a debt validation letter to XXXX  XXXX XXXX in regards to an account they have on my credit report. They received my letter of request via certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received any type of validation of this debt or communication in its regards.

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 2019-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
On XX/XX/2016, this debt for {$410.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
Initially my loan was processed by Sallie Mae, but was sold to Navient. Without my knowledge, Navient consolidated the loans, removing them from Direct Loan status. I am a XXXX XXXX XXXX XXXX XXXX XXXX. When I first started working, my monthly net income was {$1700.00} and Navient was billing me for {$600.00} payments. When I contacted them, they encouraged me to apply for forbearance rather than IBR. Interest was capitalized, raising my loan balance from {$30000.00} to {$52000.00}. I learned about IBR, applied and have been making regular payments for almost 6 years.

I applied for public loan forgiveness and received a letter in response saying that my qualifications had not been reviewed and my application was denied because my loans were not in Direct Loan status. I was also told that IBR pay back is 25 years. 

Additionally, the loan is in negative amortization. I received a XXXX for 2018 indicating student loan interest received was {$5900.00}. This is the exact amount to the penny that I paid during 2018. The loan balance remains at {$52000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: GA

Complaint narrative:
On XX/XX/2016, this debt for {$160.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I visited the Amex credit card page looking to upgrade my card to something better that I could receive XXXX XXXX points faster than I was. My old card had no annual fee where as the Ascend card I was interested in was $ XXXX/year. They were offering XXXX points for new members but in the fine print of the offer it stated that as a existing member I would not receive that much but to call Amex customer service and see what I could get. During the verbal conversation with the Amex rep she stated that if I upgraded I would receive XXXX   points instead after I spent {$3000.00}. I thought it was a good enough deal between the points and other XXXX XXXX upgrades. After a few months no points were credited and I started a complaint with Amex. I spoke to a few different reps over many phone calls when I heard nothing from them. One rep named XXXX said she could she on her screen where the mistake was and as soon as her supervisor returned she would call my cell phone and confirm my points. Of course this never happened and Amex denied my claim. I have been a loyal Amex fan for thirteen years and now that I have been the victim of a " bait and switch '' sales tactic by them I question if I will remain a customer. I have filed a complaint with the XXXX  which I'm awaiting to hear from. All I want is the XXXX  points I was promised and that's it. I hope you have better luck dealing with Amex than I did and for a company who raves about their customer service I'm totally not impressed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AR

Complaint narrative:
I consolidated my loans to XXXX years ago. I filled out documentation to follow a IBR plan and the public service loan forgiveness plan. The PBLF will forgive debt after 10 years of payments. I submitted the proper paperwork proving that I had approved work since XX/XX/XXXX- XX/XX/XXXX and many years after. In XX/XX/XXXX, when buying a house and asking for the PSLF credit, they told me that I could not get credit for over 6 years because my loans were not consolidated with them. THEY WERE. My loans were supposed to be forgiven according to the PSLF rules in XX/XX/XXXX, however, I only got credit beginning in XX/XX/XXXXuntil now.

My loans were consolidated with XXXX   from XXXX. XXXX was horrible and never informed me correctly of my loans and falsely informed me that I was getting credit before consolidating. XXXX  customer service reps are inept. I faxed and mailed my documentation to them and they sent me a letter with the WRONG employer on it!! I, according to their letter, could not get credit because I had not worked at the place they put on the form. I had all of the CORRECT information on the form, including address, phone number, EIN of the employer, PLUS signature of HR and they STILL put the WRONG employer in the system ... refusing to correct it and give me credit. They are not friendly when you call/contact and NEVER fix their mistakes.

I am still getting interest added on loans that should have been dissolved and forgiven by the rules and now my loans have more than TRIPLED!! The balance on my loans is more than my current MORTGAGE debt!!!!! That is ridiculous and they are taking advantage of consumers. They are careless!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MO

Complaint narrative:
I filed a remodification back in XX/XX/XXXX with XXXX XXXX XXXX my payment was $XXXX, everything from principal,interest and escrow was rolled back into the loan.I paid 5 payments of this amount.  Then XXXX XXXX XXXX sold my loan to Fay Servicing based out of XXXX  Illinois, I paid 3 payments to them, on XX/XX/XXXX they raised my payment upto $XXXX,they it was because my escrow account was behind. I can understand a few dollars behind they raised my payment $XXXX a month.  So I asked for proof took them forever to give it to me, but still made no since how I could be behind . I tried to do a remodification with Fay Servicing, I sent the remodification pack to one case manger,they then assign to a new case manger he couldn't find my papers,so I had to sent it again. This happen 4 times, I hired The XXXX XXXX XXXX, they were helping,but it didn't work out with them. My Foreclosure date was XX/XX/XXXX I did get a email from a case manger from Fay Servicing saying they finally got all the paper 2 weeks before that and Foreclosed anyway.  I hired XXXX XXXX, he help me stay in the house until XX/XX/XXXX, that when Fay servicing lawyer, XXXX had all of my stuff put on the street. I filed Civil suit but XXXX bullied into dropping it or they would sue me for $XXXX   in back rent. So I drop,then I found out about this law suit against Fay Servicing. My lawyer said I cant sue them twice, Fay Servicing fraudulenly stole my house. The last case manger I had was XXXX XXXX,he said he had everything he need to review my case, but as to know surprise,when I called for him,they said he no longer work here

Company response to consumer: Closed with explanation