vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I received 2 garnishment orders at my work within a week of each other from the same attorney representing 2 different debt collection firms for a judgement against me from XXXX which was never renewed before the 10 year expiration date and from XXXX and I called them after being served the first one and was hung up on. I was never served to answer either of these judgements and I don't even know who they bought these accounts from or the amount that I owed when the accounts were bought but I am 100 % sure that I never had a credit card with those amounts on them so I don't know if these debts are even mine.

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 2019-04-10 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, has filed ( 2 ) unverified and inaccurate collections on my credit report. XXXX DOES NOT have the LEGAL authority to collect on any debt in my name or social security number. They are not following the CFPB statutes.

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 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
To XXXX XXXX legal/compliance thank you very much for your response. I am requesting a copy of my medical information showing the debt the amount of the debt the unpaid balance sign by the consumer. legal compliance XXXX XXXX stated you are business associates of the original debtor.I request my sign hippa given you from the original debtor be posted c f p b that I may view the sign hippa you stated your agreement with your client that you would not share private information with anyone other than the consumer. I take that to mean any third party other then the consumer the person who may are may not have purchase good and service for personal use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX hired a collection agency that is reporting incorrect amount on my credit report and reporting it as 30 days or more late damaging my credit and refusing to validate the debt and all mail sent to them certified has been returned to me unopened. I took XXXX XXXX XXXX to court and I won but the amounts still increased and was not taken off if my credit. IQ Data also called and threatened to damage my credit because they saw I was trying to obtain a home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: TN

Complaint narrative:
my son applied for an apartment and he got approved with me on the application, but we never signed a lease nor did we ever move in the apartment. We paid the initial upfront fees. We asked for documentation of this debt and they refuse to provide how we owe this amount of XXXX for something we never signed a lease for nor did we ever live in. The collection agency Southern Management Systems has not provided anything to us with our multiple requests for the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I was going to move into an apartment complex but didn't go through with it. 
Later on I found out that there was a an energy bill at that apartment complex in my name that I didn't authorize. 
It's through XXXX XXXX but being collected by helvery and associates. 
I wrote them a letter asking for proof the debt belongs to me or for them to remove it. It has been 2 months and I haven't received any proof, and it's still on my credit for the amount of {$870.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
The company has 2 debts from me and they don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MS

Complaint narrative:
Since XX/XX/XXXX this company Specialized loan servicing has tried to foreclose on our home and we were in bankruptcy. They said we didn't pay for the entire year of XX/XX/XXXX we had receipt then they said the year XX/XX/XXXX. We are now facing the 4th maybe 5th foreclosure attempt since XX/XX/XXXX. No matter what I say they continue to say the same thing. I have sent this information to the attorney general office and it was told to them it was fixed as ofXX/XX/XXXX. And they called me todayXX/XX/XXXX and said we are in foreclosure still for XX/XX/XXXX and we owe XXXX. Before they said they were sending ourXX/XX/XXXX payment back because we had to pay XXXX per XXXX. I need something done about this company that has and is doing this to me as we as my family. We tried everyone the attorney general office is back on this because it was suppose to be completed since they call again with the same thing.

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 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I was using the American Express Blueburd card. On XX/XX/2019, at XXXX XXXX, I got my daily balance stating I had a negative dollar balance, which I didn't realize was possible since the last place the card was used was at XXXX, where I swiped the card, and the remaining balance was removed, and I paid cash for what was left. XX/XX/2019, I received an email staring that my account had been frozen, because they reviewed my account and believe that I violated the terms and conditions, a refund check would be sent out, and if I had any further questions, I could write a letter and send it to a po box in GA. On XX/XX/2019 a refund had been issued to my account bringing my balance to {$100.00}. Every day at XXXX, I still get a balance text telling me this XXXX is in my account. When I call, the automated system tells me my account is permanently suspended, and then hangs up, and I get an email identical to the original email. I wrote a letter, and have received bo response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern : On XX/XX/2019 I had purchased the XXXX XXXX online from XXXX using my Citi Simplicity credit card. My purchase total was {$1000.00}. After completing my purchase I went into the XXXX XXXX located in XXXX XXXX, XXXX. I was greeted by a female employee unknown name who helped me retrieve my order. She came in from the back of the store with my XXXX and she took the plastic wrap off and turned on my XXXX. After she turned on the phone ( which I was under the impression that this was standard procedure ) and she backed up my XXXX. I didn't notice what she was doing and assumed that my XXXX was trusted to be safe with that employee. After about 5 mins she handed me the XXXX and I left the store. I came home later that night and noticed scratches to the back that was noticeable. I inspected the XXXX and immediately contacted XXXX XXXX in XXXX XXXX. The manager on duty stated to bring the XXXX in and that they would exchange it for a " refurbished '' XXXX. I explained to her that I paid for a brand new phone why would she give me a used one. After back and forth of arguing over the phone I decided to drive back to XXXX XXXX. I went into the store and the manager refused to give me new phone. I called the next day and filed a formal complaint with the XXXX XXXX in XXXX XXXX. I never received a follow up phone call. So I notified my credit card company to assist with the dispute. About 30 days past and my credit card company came back saying that I never attempted to return the damaged defective product I purchased. And the credit card company cited on the merchant 's side and would not assist me in getting my money back. I have contacted XXXX and attempted to return the XXXX with the impression that they would either give me brand new XXXX or my full refund. I will be filing a formal complaint with the BBB along with the XXXX XXXXXXXX Attorney General Office and the FTC. This is not fair that the credit company doesn't see my side of the story and disputing the charge.

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 2019-04-10 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: AZ

Complaint narrative:
XXXX XXXX is claiming that I am the owner of an account that was charged off back in XXXX. The total amount that was charged off in my name is {$1000.00}. I never opened this account therefore i had no knowledge that it ever existed. Given that many years have passed, I can longer obtain a police report. My credit was fraudulent used in XXXX and went through great length to get it resolved and XXXX is the only that is not willing to remove. I believe this to be a XXXX attempt because I am XXXX and they want to deny us from obtaining credit. I will never have an XXXX card and they have proven to be XXXX   because of my XXXX name. Please help.

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 2019-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover bank has denied to review My Civil Complaint with supporting documents. Discover bank has refused to supply me with the contact info for their legal department to serve them a Civil Complaint being filed with the clerk of courts. Various attempts requesting this information and also sending the Civil Complaint to their Utah headquarters has been ignored. My civil action is for the bank allowing {$5900.00} to be stolen from my account without noticing the very unusual activity for my account. Bank has denied the claim and ignore my Civil Suit with supporting documents. Discover Bank seems to think they are above the law. I have the tracking info and signature that my complaint was received in Utah office. I will use this to present to the Judge to help support Discover ignores civil actions as if they are nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have submitted complaint with CFPB no : XXXX in the month of XX/XX/XXXX and while closing the complaint Wells Fargo gave me letter that due to merchants mistake all problems happened and they have reported all the credit bureaus to REVERSE the late payment reporting on my credit report. 

It appears that only late payment reporting by Wells Fargo on my XXXX   credit report is removed but on XXXX and XXXX is NOT REMOVED. 

I am buying a home and again and again Wells Fargos issue give me a problem. I have raised earlier also CFPD in this respect and Wells Fargo official called me and told that they have already intimated to credit bureaus to reverse all the late reporting and bit may make 30-60 days to disappear all the late reporting. 

this decision was made to revert all the credit reporting in the month of XX/XX/XXXX. Its now XX/XX/XXXX. SEVEN 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 non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Ditech mishandled my escrow, credit reporting, and deed in lieu process from 2006 until today.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: CA

Complaint narrative:
there is XXXX XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the transunion but nothing has been changed. during XX/XX/2018 I had rare XXXX on my XXXX which i had to go back home for XXXX. the XXXX XXXX XXXX and XXXX XXXX  promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX XXXX XXXX also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during XX/XX/2018.

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 2019-04-10 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:
there is XXXX  XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the XXXX but nothing has been changed. during 2018 I had XXXX XXXX on my XXXX which i had to go back home for XXXX. the XXXX XXXX XXXX  and XXXX bank promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX XXXX XXXX also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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:
there is XXXX XXXX opened on my name which is fraudulent and it is not mine. i tried to dispute the item several time but they keep verify the account. i informed the XXXX but nothing has been changed. during 2018 I had rare XXXX on my knee which i had to go back home for XXXX. the XXXX   XXXX XXXX and XXXX XXXX  promised to keep my account current during my treatment which i was out of job. i still paid an amount they said to keep my account current but they still reported miss payment. the XXXX  consumer usa also took my car during that time and did not stand on their promise. i disputed with explenation but the status never changed since i came back to united states. these reports happen during 2018.

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 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Travelex NY, Inc.

Complaint narrative:
XXXX is the complaint submitted by me and the company is avoiding giving the answer or refund While on a trip to meet my daughter in USA I had no cash as I had a prepaid XXXX card I tried to withdraw XXXX XXXX from the XXXX Airport on my way back to XXXX and the ATM of Travelex no TX XXXX did not dispense the cash but deducted the cash from my account and further charged XXXX XXXX which was fradulent I lodged a complaint XXXX with the call center and also raised the dispute with my Bank and Travelex is refusing to refund the money or respond Please help as it is keeping the issue open for more than a year now

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019 after many years as a loyal customer I paid off the remaining balance on my home depot credit store credit card my line of credit was $ XXXX.to my dismay they days later reduced my line of credit to {$500.00}. Dramatically affected my fico score and damage my good name without any form of explaining to me why only after I called they e mail me a letter, along with another creditor I file a former complaints against home depot started a chain of negative information against me although I never paid late never used the line of credit over 20 % off their credit line given to me I truly feel discriminate and clearly while they decrease my line of credit another creditor raised it how can they explained that.

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 2019-04-10 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: FL

Complaint narrative:
Experian continues to report incorrect public record information on my credit report. As a result and in an effort to help correct the error I have asked them on several occasions for a full description of the procedure used to determine the accuracy and completeness of the erroneous information they are reporting. 

The Fair Credit Reporting Act in Section 611 ( a ) ( 6 ) ( B ) ( iii ) makes clear that the consumer has the right to request description of reinvestigation procedure, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The credit bureau must provide this information within 15 days. 

I have requested this information on several occasions and have been very specific that I am requesting the name and address of the furnisher, as well as the telephone number if available - as specifically stated in the FCRA. 

Experian continuously fails to abide by this provision of the FCRA and instead mails me a canned answer/letter that does not provide any information as to the furnisher, only explains that their procedure is to contact the furnisher and report back within 30 days. 

I have received the same canned answer letter over and over, a copy of which I am attaching. 

As a side note, it is worth mentioning that Experian is the only one of the three credit bureaus reporting this erroneous public record.

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 2019-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: DE

Complaint narrative:
Ive been fighting with XXXX XXXX for months on getting a lower payment. I only make {$13.00} an hour with a car note of {$310.00}, phone bill {$120.00}, utilities {$300.00}, groceries {$200.00} and rent {$350.00} and other expenses not mentioned above. That alone is being paid throughout the month. They told me in order to talk with loan modification or be put into the loan reduction program I had to be past due indicating that I would have to miss my payment. Now I have this outstanding amount of money I owe. It was originally {$780.00} now I owe {$1500.00}. They have given me options for repayment and they include : Forbearance, interest only payments and wait for approval from the military office that of which I was already denied. They have been giving me the run around for the last two weeks now Im in default with a outstanding balance. Mind you many of my loans are variable some have interest rate of 11.7 percent. Im in need of help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation