vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 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: TX

Complaint narrative:
I have requested in writing to Equifax credit reporting agency to block/remove a creditor from my profile. Equifax has failed to complete their investigation in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Two paid medical accounts from XX/XX/2015 were reported in error and the reporter, XXXX XXXX, agreed to fix asap and tell both CRAs, TransUnion & XX/XX/XXXX, to delete the information. Instead, my credit monitoring services have repeatedly alerted me that my credit scores at TransUnion and XX/XX/XXXXhave dropped dramatically as a result of this mis-information and is currently being reported. 

I disputed the information with XX/XX/XXXXbut TransUnion 's online site will not let me dispute it. I called XXXX XXXX and had them fax me letters documenting the accounts were paid and that the information should be immediately deleted from both TransUnion and XX/XX/XXXX. The documentation from XXXX is attached. 

I want TransUnion and XX/XX/XXXXto delete the information immediately and update my scores.

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 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TN

Complaint narrative:
5 year + old charge off account. 
Discover bank keep going up on total amount. I was told the account will be XXXX soon. 

Balance should be $ 800-1000 max.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: Perfection Collection
State: IL

Complaint narrative:
Original debt was from the security company XXXX, I ordered a security system for my home and was promised a set rate and equipment, i did not receive the proper rate or equipment as well as other perks promised. I then canceled after that and spoke to numerous individuals at XXXX and was told that I don't owe anything. I later found out they put my account into collections, I have spoken to XXXX numerous times to no avail. The debt was then handed over to Perfect Collections, I have also tried to resolve the issue with them to no avail. Perfect collections open the account XX/XX/2017 and just updated the collection. My credit score has dropped over 90 points and this is affecting my credit and purchasing ability tremendously. They are reporting that owe {$1700.00}, I have received many harassing calls indicating that my assets will be seized due to this collection. XXXX has a history of this kind of practice and something needs to be done, they frequently use bait and switch tactics and need to be held accountable for misleading consumers and then turning accounts over to collections once you call them out on what they did not deliver!

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 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to call and text my phone about a debt that I don't recognize. They say they're calling on behalf of Why Not Lease It, whom I've never done business with to my knowledge. I have contacted the company, and they are unable to provide me proof of any transaction made. 
XXXX XXXX XXXX told me that they don't have to verify the debt. I've asked them to stop calling me more than twice and for them to communicate with me via partial mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
My request for mortgage modification on XXXX XXXX was sent to Select Port Folio with my financials to request a mortgage modification. Spoke with customer service and was told they were not processing my request. I don't want to lose my home. 
I've been given the run around trying to get help with keeping my property. 
Please Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
Date of Call - XX/XX/2019 HSBC will not allow me to close my account because their online banking bank to bank transfer portal crashed while trying to set up a bank to bank transfer weeks ago. I was flagged as fraud and had to call to remediate the issue. Instead of trying to setup the bank to bank transfer, I asked that they close my account and send the proceeds via official check to my address on file. Was transferred 5 times to different people within their customer service or fraud department, and indicated that they could not close the account until the fraud case was closed. They asked me several times if the account I was trying to link was mine and owned by me, and then said the only way they could close to account was to provide a complete statement showing the account details and titling at the other bank. I refused to comply with this request and asked if they could reset their system for me to link on my own, and they said I must provide the statement. 

During the process of this call, over 2 hours, they cancelled my debit card and removed wire transfer ability from my account. One gentleman apologized but said he needed to suspend my account until I provided evidence I owned the other account that was attempted to be linked, even after I authenticated several times over the phone and provided additional security information via email and mobile phone. My account has less than 10 transactions in it and was almost a year old. Account was opened to have an additional account while taking advantage of a {$200.00} incentive for opening, but little other activity had taken place. Continued to tell me that they needed to review the details of my account, however indicated that I could not receive my funds until they saw the other account I was trying to link. 

I ultimately provided the statement details from my other bank, as they indicated they could not reactivate the account until " the system '' knew the information was correct. Had to send a copy of my statement ( or voided check ) from a completed unassociated bank ( never ultimately linked this account ) via unencrypted email to the E fraud prevention email at HSBC. After that they again rerouted me back to customer service where they insisted I keep the account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have contacted Navient many times about reducing the low income plan due to my fixed income. They have the reduction for two or three months, which I disagreed with the offer. They stated, " They do not have low income at that time for long term. '' I told them, " I need a permanent plan according to my income. '' I looked around, they did a forbearance on the loan. I like to pay on the loan according to my income. This is my second complaint regarding the loan. Also, Navient overcharging late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Very old account been close seen XX/XX/XXXXXX/XX/XXXX Old charger off account I disputed in XX/XX/XXXX. 
The account amount went up and the open day change to 1, year 11months. When it should be 4-5years old collection account. Price keep going higher. Stop trying scam people out of money on very old charge off account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
There is a collection that just report on my credit file which is NOT mine. Please help Diversified Consultants an ATT account which I have never had this needs to be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: CO

Complaint narrative:
I have been trying to remove a Chapter XXXX Bankruptcy from my Credit Report. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I mailed XXXX, Experian & XXXX  asking them to provide me documentation they used to verify this Bankruptcy and also provided them with a letter from the United States Bankruptcy Court that verifies they do not send information to any internet search engines or credit reporting agencies. Only XXXX responded within 15 days but did not provide any documentation. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and therefore, the Bankruptcy must be deleted from my credit report.

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 2019-02-21 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: TX

Complaint narrative:
On XX/XX/19 I pulled my credit report from XXXX XXXX to discover I have a " mixed file ''. There is another person listed under the Equifax part of my report, along with inquiries and loans which do not belong to me. I attempted to resolve this through Equifax, but since I have a mixed file, they can not verify any of my information or allow me to file a dispute. 

*I attached a copy of the credit report, and everything on it does not belong to me. I also attached a copy of the personal information reported under Equifax, which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
On approximately XX/XX/2019 Revenue group reported a collection to my account and I have never received anything from this company. 
I have contacted company to dispute and let them know I never recieved any documentation to dispute and to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2019 my bank card was charged XXXX for a service from the Experian reporting agency after they had already charged me XXXX for my reports and scores. I received no invoice of charges or description of services. I called in to experian to report the charge at XXXX and was rudely placed on hold without warning for 10 minutes by a woman who acted as if she could not understand me. Everytime she came back to the line and relized i was still holding she would placed me back on hold never resolving my complaint about the charge on my card. She then hung up on me. I called back again at XXXX. I then got a man who also was nonchalant about the person who previously hubg up on me. and put me on hold for another 10 minutes. He promise to resolve the issue and agreed to a refund i have yet to receive.

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 2019-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I checked my credit report and seen Wakefield And Associates on my report. I called and tried to resolve the issue and no one had gotten back to me. I have had a medical card since birth. My medical bill 's are covered with that yet this company is saying i owe. I would like help to get this off of my credit. 

The information is : Date. XXXX XXXX2018 Amount. {$120.00} There are also 2 other companies as well saying I owe medical bills although i called my insurance and they say i am fully covered. The information follows : XXXX XXXX XXXX Date. XX/XX//18 {$1100.00} XXXX XXXX XXXX Date. XXXX/XXXX/18 {$790.00}

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 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
i got 1099-int form for {$300.00} from citi for the year XXXX but i never had an account with them in XXXX. i had it in XXXX and i had already paid the tax on the {$300.00} interest for the tax year XXXX. i am shocked as to why citi sent me the form for XXXX. 

i called the citi banking number and the agent on the phone said to ignore it. i then argued that if i ignore, irs will come after me for not paying tax. he then asked for all my information and said the information does not match and suggested me to go to a bank location which is 100 miles from me instead of trying to help. he was reckless/careless/irresponsible/unprofessional.

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 2019-02-21 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: CO

Complaint narrative:
I have been trying to remove a Chapter XXXX Bankruptcy from my Credit Report. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I mailed XXXX, XXXX  & Equifax asking them to provide me documentation they used to verify this Bankruptcy and also provided them with a letter from the United States Bankruptcy Court that verifies they do not send information to any internet search engines or credit reporting agencies. Only XXXX  responded within 15 days but did not provide any documentation. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and therefore, the Bankruptcy must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
In XXXX of XXXX after 26 years of employment my husband lost his job. we were struggling to pay mortgage and applied and were denied a loan modification in XXXX of XXXX. After receiving an attorney letter in XXXX of XXXX regarding the full amount of our mortgage plus interest being due, we called and were told to avoid foreclosure we should request a mediator. We were assigned one with the Superior Court of New Jersey after approximately 3 months. This process was ongoing for approximately ( 7 ) months with various conference calls between the mediator, XXXX ( different rep. each time ) and myself. I have over 53 emails between myself and the Attorney 's office assigned by XXXX asking for the same information over and over. As per the mediator, we were supposerd to have it resolved in 1 or 2 conference calls, however, he would postpone it for another 1-2 months at the banks request for me to send the same information because of " nonsense '' reasons given by the Bank 's representatives. The loss mitigation package contained numerous pages and questions and documentations. Finally in XXXX of XXXX after three " trial mortgage payments '' our loan modification was approved. We received the " loan modification ''. The terms and conditions are not only impossible to recoop from they are not financially helpful nor are they in any terms helpful. The rate stayed the same. Our mortgage balance of XXXX was changed to XXXX. Accrued interestt and Escrow totalling 36,000 + was added to the 18,000 plus " other recoverable advances '' in the amount of XXXX totalling {$53000.00} was added to a Deferred Principal Balance due at Maturity in the year of XXXX. We mortgaged this home in XXXX. So to recap, our principal balance was lowered to XXXX, however, all interest, etc. including the amount they took off our balance is due when we sell. In lieu of all the waiting, frustrations with duplicate submissions, all for a reduction of {$150.00} from what we previously were paying. Nothing was done to financially help us get back on track. Our home was valued at XXXX. THIS CANT BE LEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was told 2 different bits of information today in regards to 2 involuntary offsets in my accounts, 1 for {$150.00} in my checking and one for {$170.00} in my savings. Huntington says that there were 4 accounts in my name, and I have only ever had my 2 current accounts, and one other account. The customer service rep from financial services advised that they had charged these accounts off, and a lawyer in my family advised that it is illegal to offset an account once it has been charged off. When I called back the 2nd time, I was told the account had been charged off to huntington themselves, and that they had bought it back from themselves. ( yes I know that is strange!! ). I have payments that I have already set up coming out of the account and the need to put the money back. NO ONE ever contacted me from Huntington in regards to any account other than the one that I have already paid off. I am not certain this is not some sort of identity theft, and we would have no way to see, since they failed to even attempt to make sure I had open these accounts they are speaking off. 2 customer service reps did not assist me in any way, and I have been waiting on a supervisor to call me back before the end of the day, and that hasn't happened either. I would like them to PROVE they attempted to contact me in regards to this, they obviously have my phone and address and have sent ZERO notification that this would be taking place. If someone opened an account in my name, would I have any other way of being notified? Especially if there was other contact info used to set the account up. Huntington Bank needs to be held accountable for not banking inside the standards set up by the government.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

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