vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement.

Also I XXXX XXXX told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.

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 2017-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
On XXXXsecurity finance of XXXX tn contacte XXXX of my employees/coworker and said they were going to garnish my wages. I do owe the company and I am making payments. I asked them in never to contact me at work and now they have tarnished my name.

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 2017-10-23 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: KY

Complaint narrative:
On XXXX XXXX, I attempted to secure credit freezes with XXXX and TransUnion. This was quickly accomplished online with XXXX and I received confirmation of the action and was billed immediately. My experience with TransUnion has been a polar opposite. When I went online at XXXX XXXX site, I found that the " Credit Lock '' tab directs you to signing up for their monthly monitoring service which I mistakenly opted for and received an email of the billing. I corrected this an hour later by the phone number contained in the subscription email and was assured by the XXXX representative that the subscription would be cancelled and that a freeze would be placed on my credit account. I then received only confirmation of the cancellation and no notice regarding the freeze. Today, XXXX XXXX, I have spoken with four separate XXXX representatives to determine if I had a freeze on my account. The first three representatives could not help and gave me toll free numbers for others at XXXX who could help. Only the last representative was able to indicate that I had a " lock '' on my account. When I asked the difference between a lock and a freeze, I was informed of some vague difference with the caveat that a freeze was harder to remove. I still have yet to receive any confirmation of this status by email despite receiving other emails from XXXX and seeing nothing on my online profile which confirms or explains my credit status. This process for a much-publicized credit reporting service should not be difficult, especially in view of my XXXX experience.

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 2017-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My FEEL Consolidation loan was just moved from XXXX XXXX to Navient. Navient does the same thing that XXXX does, which is mis-apply apyments., In fact, over the last 15 years, not ONE payment has been applied towards principal. When my loan was switched from XXXX to Navient, my payment went up by {$200.00} and they STILL are not applying any money towards principal. At this rate, I will pay {$400000.00} for a loan which started as {$78000.00}. XXXX ballooned my principal balance for no reason, and now Navient has increased my payments. Both of these companies owe me money and need to lower my principal to what it should be. I also want to be able to eventually pay this loan off! My principal balance is now {$150000.00}! It goes up, not down! I am current with my payments. I always have been. 
I have also asked several times for a complete history of documentation and neither XXXX nor Navient is able to supply me with an accurate accounting of my loan or the original paperwork. Therefore, this loan should be forgiven. 
I can not barely afford to pay the {$1100.00} per month they want, and I certainly can not afford to keep paying this loan in perpetuity. 
Why should this loan servicer be entitled to {$300000.00} from me for the rest of my life?? They are preventing me from buying a home because of this bad debt on my credit. They are preventing me from getting ahead in life and I want answers NOW. I want their justification for raising my payment and for not producing documents. If mortgage companies must have original documents, then so should student loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Dear CFPB : My client has been trying to sell her home in a short sale. She realized that letting the home go into foreclosure would result in her inability to obtain student loans for her children in the future, purchase a house in the future and would have a detrimental affect on her credit. Our office obtain offers on the property. The last offer was for {$750000.00} all cash deal which was denied. The bank did n't bother asking us for a counter and realty company was even willing to reduce their fee to allow this matter to close and avoid the foreclosure sale. The bank insist and is asking for {$850000.00}. Attached hereto is a mortgage statement my client was able to get her hands on. The payoff to the lender is {$710000.00}, why they did n't accept the {$750000.00} and are asking for {$850000.00} bewildering to my client and I. I am requesting an immediate investigation of this matter as the sale date is imminent. I apologize for waiting this long. However, the bank took months to give us a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: FL

Complaint narrative:
THE FIRST THING I SAW THAT WAS FRAUD ON MY CREDIT FILES WAS MY NAME SPELLING I ATTACHED MY DRIVER LICENSE TO PROVE MY REAL NAME AND ADDRESS. I ALSO ATTACHED MY CREDIT REPORT SHOWING THE FRAUD, I PUT FRAUD NEXT TO EACH FRAUDULENT ITEM TO THE LEFT OF IT. PLEASE FORWARD THIS COMPLAINT TO EACH CREDITOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I called XXXX XXXX in XXXX XXXX, XXXX and spoke with a representative about my payment not being made due to someone making authorized transactions with my bank account. The representative informed me, that he would keep a close eye on my account and refund all late charges if I made a payment on XXXX XXXX, XXXX. I agreed, however, on XXXX XXXX, XXXX, as I started to make the payment, I was informed my account had several late charges to it. Every time I mentioned the representative I conversed with on XXXX XXXX, XXXX, I was placed on hold, transferred, and the call disconnected. I finally spoke to XXXX, on XXXX XXXX, XXXX who was very rude from the beginning. I mentioned the representative I conversed with on XXXX XXXX, XXXX to XXXX, and she told she has not record of this conversation. I inquired if she could give me the information of the last representative and to speak with her supervisor. XXXX informed me at first she does n't show that information, until I questioned it for her to change her story to they are not allowed to give out that information and it will be hold time to speak with a supervisor. I tried to explain that I being charged late fees and having monthly interest that seem to be unfair to the customer however, it seems I could not get any type of assistance from XXXX or Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY  documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX  XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement.

Also I XXXX XXXX told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX has an a collection entry on my account that should be immediately removed. I have no contract with XXXX XXXX and they never had the right or authority to even collect from me. I told them to provide me with proof of any documentation on behalf of who they were collecting for and the reason why. I also asked them to provide me with the documented Bill of Sale giving them the right to collect on the original creditors behalf.They never provided me with ANY documentation whatsoever. Then on top of that i didnt even know them. The original creditor was already paid to begin with so XXXX  XXXX had started sending me {$0.00} balance letters. My confusion lays with why would they keep sending me {$0.00} balance letters and calling that " Verification ''. Sending me a {$0.00} balance letter is not verification at all. Who 's verifying what? Where is the certified and signed bill of sale like i asked for? Where is the agreement that allows you to collect on behalf of the original creditor? Literally that keep sending me this Non Verifiable {$0.00} balance letter and thats not what I asked for. I NEVER even paid XXXX  XXXX a dime because I knew I didnt owe them! Thats why they changed the balance to {$0.00} because I never even owed them. I had spoken to someone there and told them that there must 've been a mistake. One person told me they would remove it off all three credit  reports, which sounded good. Then the later on told me they would not remove it even though I NEVER owed them a dime. I will not tolerate being treated this way and my lawyer will be contacting XXXX XXXX. They will either provide me signed contractual agreements which include the bill of sale from my original creditor to them, and also including my original contract with the original creditor or they will IMMEDIATELY remove this from my report. If they do not then litigation will proceed forward. I will not tolerate constantly being sent these single balance letters when my debt was never even established or verified by your company. and documentation of the verification was never given to me. You all never even sent me any form of agreement. 

Also I general revenue told me they would investigate and get back to me about this and this was OVER 30 days ago. Which means they have passed the timeframe necessary to produce proper documentation.

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 2017-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC

Complaint narrative:
To whom it may concern, I just received a letter from the loan company and called their customer service on XX/XX/XXXX. I was told my student loan account has been converted to Heartland ECSI in XX/XX/XXXX, and my account has past due amount of {$1100.00}. 

The real story is I have been paying my student loan on time for 10 years. I have set up automatic payment and I was a bit curious why it stopped payment since this XXXX. My instinct was it has been fully paid and did n't go check my account balance ( in fact I have lost password long time ago ). I did n't know they convert to another company and I need to reset account payment method. 

To Heartland ECSI, I complained that I was not informed at all and had not idea they converted my account. And I have absolutely no intention to stop my student loan payment. The representative asked me to file dispute with credit bureau as they have reported my past due payment. 

I request they withdraw their filing against my credit score, because this is technical issue between my previous and current loan institutions. 

Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I HAVE SUBMITTED TO XXXX XXXX XXXX MY HOME DEPOT CREDIT CARD DUE TO THE FACT THAT I AM IN A FINANCIAL HARDSHIP OVER TWO MONTHS AGO. CITIGROUP XXXX XXXX XXXX ) HAS CONTINOUSLY CALLED ME ABOUT MY HOME DEPOT ACCOUNT. I HAVE SPOKE TO CITIGROUP ON THE PHONE AT LEAST 4 TIMES THAT I HAVE XXXX XXXX XXXX AND THEY STILL CALL 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 non-monetary relief
Consumer complaint received 2017-10-23 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: DISCOVER BANK
State: TX

Complaint narrative:
I have contacted discover about fraud account opened in my name. They did not get back with me and refused to do anything about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE FIRST THING I SAW THAT WAS FRAUD ON MY CREDIT FILES WAS MY NAME SPELLING I ATTACHED MY DRIVER LICENSE TO PROVE MY REAL NAME AND ADDRESS. I ALSO ATTACHED MY CREDIT REPORT SHOWING THE FRAUD, I PUT FRAUD NEXT TO EACH FRAUDULENT ITEM TO THE LEFT OF IT. PLEASE FORWARD THIS COMPLAINT TO EACH CREDITOR.

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 2017-10-23 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: FL

Complaint narrative:
THE FIRST THING I SAW THAT WAS FRAUD ON MY CREDIT FILES WAS MY NAME SPELLING I ATTACHED MY DRIVER LICENSE TO PROVE MY REAL NAME AND ADDRESS. I ALSO ATTACHED MY CREDIT REPORT SHOWING THE FRAUD, I PUT FRAUD NEXT TO EACH FRAUDULENT ITEM TO THE LEFT OF IT. PLEASE FORWARD THIS COMPLAINT TO EACH CREDITOR.

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 2017-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I was declined for a department store credit card because of conflicting address information between my application and the credit-reporting agency, even though my XXXXredit score at that time was XXXX. This rejection notice was received at my home address, the one on the credit card application. I sent a reply to Comenity Bank of XXXX Ohio, the bank that manages this particular credit card, with my return address on the envelope. I waited for a statement and when no statement showed up in my mailbox after XXXX months I went to the store where the purchase was made and made a payment in full to the XXXX on duty and thought that I had fulfilled my obligation. Comenity Bank was, I believe, intentionally send the billing statements to the wrong address that was provided by the credit-reporting agency even though Comenity Bank had my correct address and had corresponded with me and received a response from me with my correct address. I had moved and changed my address more than XXXX years before I applied for the credit card. The Postal Service will only forward mail to a new address for a period of XXXX year after the change was made. This time was long up. I apparently was, and still am, being charged for non-payment fees and interest on an account that I believed was paid of in full. Comenity Bank attempted to communicate with me with recorded messages and phone trees and rarely a human being. when I did return a call and talked to a human, ( XXXX ID # XXXX ), all he wanted was an address update which I gave him. Then I received a bill in the mail that was over XXXX XXXX dollars with no explanation o what the charges were for. I did n't pay this bill. I received a second bill and this bill showed a charge for non-payment and interest on the unpaid balance. I will not pay this XXXX either. 

I would like to add that during the time of this dispute that I had changed my phone number, for reasons not concerning this dispute, and Comenity Bank was able to discover this new number and begin sending messages to it. They should have been able to find my correct mailing address too and not keep sending billing statements to the wrong address to intentionally charge me fines and interest on an account that they denied in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-23 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: TX

Complaint narrative:
I have contacted discover about fraud account opened in my name. They did not get back with me and refused to do anything about the account.

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