vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 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: First Credit Services Inc.
State: TX

Complaint narrative:
XXXX XXXX  XXXX membership was cancelled properly WITH notice due to a move. According to that specific Gym 's policy moving outside the supported radius with sufficient notice was all that was required. That was done correct & the Gym itself was in agreement. 

However the account was incorrectly placed in collections & the collection agency refused to abide by those guidelines. This should NOT be on 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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I believe that my information has been taken from me in theft. There is a place called XXXX XXXX XXXX on my credit report. Not allowing me to get a place to live, says I owe {$2200.00}. The date XX/XX/2016. I have never lived there. Trying to take this off my report is crazy. I have mailed out a letter to XXXX and try to dispute on XXXX. XXXX said it was sent. Some how it's still showing on my report. How do I get this off?

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 2019-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I borrowed {$16000.00} and graduated from XXXX XXXX in 1991 and defaulted on loan cause school was a big lie about getting a good job. Theyve been garnishing my wages for 20+ years and have taken over {$70000.00} and yet I still owe about {$8800.00}. Loan was originally managed by XXXX  XXXX XXXX and sold to navient. How much long will this private continue to take advantage of me. Any help and / or guidance on this matter would be greatly appreciated because Im XXXX XXXX XXXX and Im tired of struggling week to week with paying my bills. Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have no clue Im just now receiving a summons in the mail telling me to appear for court. XX/XX/2019and this is the first Im hearing about someone suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Bank Amazon Store XXXX. I open an account with Synchrony Bank ( Amazon Store Card ) and in XX/XX/2019 and by XX/XX/2019, I had still not received a paper bill - for any billing cycle. They kindly waved the late fee in XXXX. However, when I missed XXXX 's bill ( due to not receiving a bill ), I was unable to convince them to remove the late fee. This account is now closed.

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 2019-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
On multiple occasions I have requested a lower payment amount or a pause on payments due to financial difficulties ( many doctors bills for my son, living off a XXXX 's salary, pay calendar changing, etc ). Navient is not willing to work with me and they only suggest or use me towards options that make me spend more money outside of my already insanely high interest rate and principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV

Complaint narrative:
My name is XXXX XXXX XXXX wife of the deceased XXXX XXXX XXXX, XXXX. I was working with XXXX XXXX  on a modification after my husband passed away suddenly on XXXX XXXX. I was also off work at that time do to a work related injury awaiting XXXX. XXXX worked out the start of a modification ... but sold my husbands mortgage mid modification in XX/XX/XXXX to SPS. I contacted them and they continued to accept my modification payments until I called them XX/XX/XXXX to make the payment and they informed me they could not accept the payment as they had turned it over to an attorney for foreclosure. They claim I am not the successor in interest to my Husbands Estate. I even had to pay an attorney to get a quick claim deed and my children all signed away any rights to this property. I have tried to send all the proper paperwork to SPS on at least 3 occasions. They have talked to XXXX XXXX from XXXX County West Virginia Fiduciary/Probate on the phone with me on a 3-way call 2 separate times and SPS still keeps insisting I am not successor in interest to my husbands estate and XXXX told them all paperwork had been done properly and West Virginia says I am the owner of this property. I want to keep my home and would like to work out a new mortgage with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I been contacting Equifax over the and by mail due that I cant get my credit score, in addition of my credit file. I want to see my credit report and credit score on my credit monitoring. They havent done anything regarding my file and i been dealing with this issue since XX/XX/2017. Im extremely disappointed in the matter how they been treating me for the last few years. I made a few complaints with the CFPB. Equifax is violating the law and differ made in my character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 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:
Over the past 1 year, I have been dillegently demanding proper validations of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have NOT been provided the mandatory validations of these accounts which includes : * Signed and dated contracts from the above mentioned accounts * locations where these accounts were allegedly opened, representative name and contact information who opened these accounts * complete account numbers * account balances, opened closed dates These allegations are damaging my credit and causing me distress and loss of employment due to its adverse affects. 
I am a victim of identity theft in addition. 

This bureau is violating : * FCRA 611 ( 15 U.S.C. 1681 ) * FCRA 623 ( a ) ( 7 ) *FCRA section 1681c *FCRA 611 ( 5 ) ( a ) * FCRA 609 ( a ) ( 1 ) ( A ) * section 611 ( a ) ( 1 ) ( A ) I demand that these accounts be deleted immediately. Otherwise I will have no chose but to persue legal action immediately under ( Section 616 & 617 ) if you fail to comply with the FCRA.

I have several receipts for my USPS certified mailed, notarized affadavits to this bureau demanding complete validation of these allaged accounts as well as stated that I am a victim of identity theft and that these are not my accounts.

They have refused to validate or delete these adverse accounts/late payments from my reports.

You are required to have a copy of the original creditors documentation on file, according to the FCRA.

Simply sending me a generic response stating " account updated '' is not validation. 

Signed, Distressed Consumer, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: TX

Complaint narrative:
MoneyLion and I made signed legal agreements that the account was to be paid off and ended over 90 days ago. Instead they lied to XXXX and reported that I was 90 days delinquent as of today. Credit dispute produced no results. I have signed legal agreements!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renew Financial Holdings Inc
State: CA

Complaint narrative:
Using the XXXX XXXX, a loan was obtained to perform upgrades to my home and property. Now two years later im selling the home and there are apparently 2 loans out for the same upgrades through 2 companies. XXXX  XXXX which used ReNew Financial for the loan. Renew Financial has been named in a Class Action Lawsuit for the very issue I am having. The second loan was obtained through XXXX XXXX XXXX. Both loans state they are for the same improvements. Yes Electric and Construction, The company that performed the work, has vanished and can not be contacted. Ive tried numerous numbers to get in contact and straighten the matter out, but all numbers are out of service. I would like to know what my options are for proceeding and getting one of the loans off the property. The work was done, no doubt. However, it is not {$70000.00} worth or work. I will happily pay off one of the loans, but the duplicate, I will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
Phoenix Financial is a debt collector that is reporting on my credit report that I owe them medical debt through a hospital that doesn't exist, the present hospital have no record of any outstanding balance on record. The doctor claim that Phoenix Financial is trying to scam me and doesn't have any idea what I'm talking about after contacting every hospital on XX/XX/2019 that this doctor affiliated with. However, doctor XXXX XXXX XXXX stated that this is fraud by this collection agency and I should seek legal action. I try to provide my Insurance information to this company which they inform me that they can accept medical card only credit card. I offer to pay {$99.00} to this company to delete or removed this debt from my report which I have on recording, I never received and email or a tax 1099 but I believe that this company is a scam. I would like a detail investigation in this matter and a lawsuit against this company for falsely obtain information through medical data and scamming innocent families.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I believe that my information has been taken from me in theft. There is a place called XXXX XXXX XXXX on my credit report. Not allowing me to get a place to live, says I owe {$2200.00}. The date XX/XX/2016. I have never lived there. Trying to take this off my report is crazy. I have mailed out a letter to XXXX  and try to dispute on transunion. Transunion said it was sent. Some how it's still showing on my report. How do I get this off?

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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I believe that my information has been taken from me in theft. There is a place called XXXX XXXX XXXX on my credit report. Not allowing me to get a place to live, says I owe {$2200.00}. The date XX/XX/2016. I have never lived there. Trying to take this off my report is crazy. I have mailed out a letter to Equifax and try to dispute on XXXX. XXXX  said it was sent. Some how it's still showing on my report. How do I get this off?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My XXXX XXXX XXXX account ending in XXXX was not being reported by TransUnion, but was being reported on my wife 's credit report. After pointing out this discrepancy to TransUnion, they responded by deleting the account from my wife 's credit report. I submitted a complaint to CFPB on XX/XX/XXXX regarding my credit report ( complaint # XXXX ), and TransUnion resolved the issue on XX/XX/XXXX by adding back the XXXX  XXXX XXXX account ending in XXXX to my credit report. 

Based on my wife 's TransUnion credit report dated XX/XX/XXXX, the XXXX XXXX XXXX account ending in XXXX is still not being reported on her credit report even though she is an authorized user of the account. XXXX XXXX XXXX is reporting the account ( based on my TransUnion credit report dated XX/XX/XXXX ), so TransUnion should reinstate the XXXX XXXX XXXX account ending in XXXX to my wife 's credit report. 

If you need any further information, please let me know. Thank you for your help with this issue. 

Sincerely, XXXX 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 2019-08-02 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: OH

Complaint narrative:
I have an account on my file that is not mine I filed a fraud alert months ago with the credit bureaus I filed a police report as well to have the account deleted from my credit report. Please see attached documents. Please delete/remove the following accounts : XXXX/XXXX  XXXX # XXXX, XXXX/XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX PLEASE UPDATE MY CREDIT REPORT ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and I made signed legal agreements that the account was to be paid off and ended over 90 days ago. Instead they lied to Transunion and reported that I was 90 days delinquent as of today. Credit dispute produced no results. I have signed legal agreements!

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 2019-08-02 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: U.S. BANCORP
State: CA

Complaint narrative:
I did not receive the {$200.00} intro bonus after spending {$1000.00} in the first 90 days after receiving the credit card on XX/XX/19. My total charges were over {$1000.00} on XX/XX/19. US Bank says that the start date was XX/XX/19 but I did not receive the card until XX/XX/19. I could not make any charges until XX/XX/19. US Bank was deceptive with their bonus offer -- it was dishonest in stating that I had 90 days to spend {$1000.00}.

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 monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: ID

Complaint narrative:
I C System Inc. formally XXXX XXXX XXXX XXXX XXXX states that I owe them XXXX. I do not owe them any money at all. I told them to cancel XXXX XXXX and the account and they did cancel it and they still charged me XXXX which they say that I owed them which I never did.I told them I did not owe them any money and they said I did. I do not owe them any money and will not pay them. They constantly were going against their word and constantly charging me money I did not owe them. I cancelled the account and they continue to report on my credit history. I do not owe them anything. Take this illegal reporting of my credit off my credit report. It is being reported twice by I C System INC and XXXX XXXX XXXX XXXX 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 2019-08-02 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:
I am writing concerning my request that the fraudulent accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Equifax has willfully refused to acknowledge my request. They are violating Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see two XXXX accounts that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
Today recieved a debt collection letterXX/XX/2019 from Kirsenbaum & Phillips,  p.c about this fraudulant bogus debt in the name of debt collector XXXX XXXX XXXX. 
In the amount what they say i own current balance {$25000.00} Multipe collectors in the past claimed i own this XXXX and multipe complete validations of this alleged debt or any kind of proof bearing my signature, copys of original contracts/account statements has bin requested by me from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ect. ect .ect by certified mail ( have the proof ) No proof of any kind ever has bin sent to me. All they have is my name and adress and a amount they claim i owe and a simple 3 th grade print out of a judgement ( was never personly served ) and that wont proof anything. 
Knowing that a complete validation was requested on those days in the past ( and again have all the proof and dates ) and no proof of any kind ever has bin provided why is Kirchenbaum & Phillip, p.c trying to collect also on their behave. 
Do your homework and look in the files its all in there .THIS DEBT HAS BIN DISPUTED FOR 15 + YEARS A collector knowing with no proof of any kind collecting for a collector/ collectors with no proof provided of any kind are in violation of the fair debt collection act./the fair credit reporting act and Defamation of Character. 
Knowing all of this i will also consult my legal counsil for suit. 
I will also file a complaint with the FTC, The Attorney Genral 's Office and the XXXX XXXX XXXX. 

A complete FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I sent in a dispute to all credit agencies in XXXX of 2019. Pro collect sebt paperwork back and i sent in my copies. They stipl will not remove it even though i encluded all my documentation. There paperwork is wrong. They stated my move out date was a different date then the date i moved out. Also the original creditor XXXX XXXX XXXX is no longer valid. They shut down due to fraudlent practices.

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