vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I discovered that there were two bankruptcy filings under my name. I am the victim of ID theft, and someone filed taxes on my behalf and opened up accounts and got cars. I filed form 14039 with the IRS regarding this. I also found that there were two bankruptcy filings -- -One filed in XX/XX/XXXX with an attorney. I contacted the attorney and was told the bankruptcy was dismissed because the person who tried to file for bankruptcy was attempting to use the bankruptcy to stay a repossession that had occurred and that when he found out that the person was not me and was using my name fraudulently, he dropped the case. It appears the case was dropped because whoever stole my identity could not come up with the XXXX tax return. On XX/XX/XXXX, it seems the person attempted another bankruptcy filing this time without an attorney but Pro Se. This was also dismissed. 

I contacted the bankruptcy court to see how to get these removed, and they furnished me a letter stating that these bankruptcies did not go through, and they did not furnish this information to the credit bureaus. I have sent this letter to the credit bureaus and XXXX XXXX, and nothing happened.

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 2020-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been applying for IDR plan for months and getting denied. I have a household size XXXX, and my husband and I are both unemployed and they are trying to make me pay {$470.00} a month that I can not afford. Ive submitted documentation several times and they have yet to lower my payments and deny me. They have predatory lending practices and FedLoan Servicing Inc. Ive gone into foreclosure and had my vehicle repossessed and submitted documentation they say they never received and still wont lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I have sent several complaints to the CFPB about a debt that is not mine. The collection company response yes it is is not proof it verification. Sending a copy of a statement showing someone charged XXXX  account I nothing more than proof of fraud. I have asked for proof this is my debt. Thy cant provide it because it is not. Saying company responded claim closed is not adequate. referring to FTC does nothing to remove unverifiable debt collection by portfolio recovery associates. Saying you cant find them is another valid  reason to remove these collections. How can I be reported by a company that does not exist?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC

Complaint narrative:
On XX/XX/XXXX, I submitted a timely mortgage payment to PennyMac in the amount of {$1700.00}. This was my first payment to the company. Prior to XX/XX/XXXX, my mortgage servicer was XXXX XXXX Loans. 

When I submitted the payment, through my bank, XXXX XXXX, I accidentally interposed two numbers in my loan number on the memo line of the electronic payment. My address and other pertinent information was correct. 

That payment, according to PennyMac was lost or never received from them. Since XX/XX/XXXX, I have called PennyMac series every month to find out the status of my inquiry into my XX/XX/XXXX payment. I have been on the phone with PennyMac and my bank about 6 times. My bank has verified that I made the payment and that the money was withdrawn from my account. 

I sent proof to PennyMac, by way of my account statement, showing my daily ledger balance that the money was in fact deducted form my account. Each month there is a new standard. In XX/XX/XXXX, I was told by PennyMac that a trace ID number was needed to locate the payment. My bank, on a three-way call provided the trace ID number. 

On XXXX, XXXX, XXXX, PennyMac informed me that they could not find the payment despite all of the conversations, correspondence and personal financial records I have sent them and that I would need to contact my bank for a refund. The same bank that confirmed with XXXX that they sent, and that XXXX received the payment on XX/XX/XXXX. 

I asked PennyMac to send me confirmation in writing that they have closed the investigation and that they have not located the funds. PennyMac informed me that because there was no error on their part, they could not submit to me confirmation in writing that the investigation is closed. 

I would like a full refund and compensation for the stress and inconvenience this has caused me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
All of the accounts below are showing inaccurate information and delinquencies. There should be nothing late nor listed with the wrong name or account information. 

XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # 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 2020-01-28 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: AL

Complaint narrative:
All of the accounts below are showing inaccurate information and delinquencies. There should be nothing late nor listed with the wrong name or account information. 

XXXX/XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # 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 2020-01-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
All of the accounts below are showing inaccurate information and delinquencies. There should be nothing late nor listed with the wrong name or account information. 

XXXX/XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX/XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had submitted my XXXX orders to XXXX back in XX/XX/XXXX, because I was going to be overseas where I would not have access to XXXX service. I sent in an email ( XX/XX/XXXX ) to  XXXX. They successfully put my account on hold. Then on XX/XX/XXXX ( mind you I am overseas still ), I receive an email that my phone had been activated and needed to be paid. My orders clearly state that I will be on XXXX for 359 days. So, me being shocked that my phone had been activated against military orders and my permission, I contact XXXX via email. The woman asks me to send the orders again and that she would suspend the account for the 359 days. So on XX/XX/XXXX I  resend orders. Then fast forward to when I am stateside and home from XXXX, I contact XXXX to activate my phone. I am told that they can not activate my phone because of no payment and that my account is in collections. They could not reactivate or pull it out of collections because " it was out of their hands ''. So I had to open a new account with them AFTER paying the old one off ( that is somehow still in collections as if it hasn't been paid off ) and in result I have a collection for a phone that was to be on a military hold for 359 days, because XXXX failed to do their job. I then submitted a dispute against this collection and I received a result back saying " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' So I am now submitting a complaint against this, because I have more than enough proof showing that my phone was requested multiple times to be on hold while I was on military orders and yet this account is in collections because of XXXX 's wrong doing.

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 2020-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
In XX/XX/2019 I received an alert from my credit reporting service that a collection company, IC System, was attempting to collect a debt in the amount of {$410.00} from me on behalf of a company XXXX XXXX XXXX. I sent a letter to them in XX/XX/2019 requesting verification of this debt, any instruments that stated they could legally obtain this debt, and to inform them that they were violating the Fair Debt Collections Practices Act ( FDCPA ), HIPPA, and FCRA. I never received a response and this erroneous debt that was placed on my credit report continues to be there affecting my status and credit 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 2020-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Simple closed my account without telling me they were going to do it when I reported checks missing in the mail. They instantly canceled by debit card and all transactions out. Only when I contacted them did they tell me what they had done. 
They told me I could go to any physical bank and do cash advances on the debit card of up to XXXXUSD ever 24 hours, but I needed to call each time. I did that once, and then the next day they said the agent was wrong and I cant do that. 
They told me that and deposits ( payroll ) would be rejected. However that was not the case. My paycheck was accepted by them, but I cant get the money out with a cash advance as I was previously told. The next agent told me the former agent was wrong to tell me that. 
The now 5th agent I talked to said they would rush deliver via XXXX a check for the remainder of my funds and Id have it by the end of the week. 
That was 3 weeks ago.

They will not respond to support messages. My calls are routed to infinite hold. 
They are currently holding over XXXXUSD of mine and I am paying for all expenses with credit card in the interim. Soon enough, I will need to pay that credit card. Soon enough I will need to pay rent. If I miss rent payment by 1 day I can be evicted at my own cost because Texas is the most America of America.

Stay away from Simple if you dont want to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I have never received any form of contact from Midwest Recovery Systems. One day I received a credit alert, and noticed my score dropped. The cause of the drop was due to a collection account reported by Midwest. Upon learning this, I have tried contacting the agency as I was not called, mailed, or in any sort of communication. I requested my debt to be verified twice. It was reported on XX/XX/XXXX as a collection/ charge off. The due amount is {$200.00}. That is all the information I have on this debt, and only because of my credit alerts. They have yet to reach me and it is already XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XXXX, I discovered that I was the victim of identity theft. I filed a police report, had fraud alerts placed on the credit bureaus, and the fraudulent accounts were removed, with the exception of three that were reporting positively. The man who helped me repair my credit said not to worry about those. Three years later, in XXXX, the fraudulent account from Navy Federal was added back to my credit report, along with 9 different variations of an address I never lived at. I'm assuming that this is where the fraud was committed. I was told by XXXX that the information is verified as accurate. How can that be so, if it is not my account? Please handle both XXXX and Navy Federal in the illegal reporting of this {$34000.00} auto account that is not mine! Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: GA

Complaint narrative:
In XXXX, I discovered that I was the victim of identity theft. I filed a police report, had fraud alerts placed on the credit bureaus, and the fraudulent accounts were removed, with the exception of three that were reporting positively. The man who helped me repair my credit said not to worry about those. Three years later, in XXXX, the fraudulent account from XXXX XXXX was added back to my credit report, along with 9 different variations of an address I never lived at. I'm assuming that this is where the fraud was committed. I was told by Experian that the information is verified as accurate. How can that be so, if it is not my account? Please handle both Experian and XXXX XXXX in the illegal reporting of this {$34000.00} auto account that is not mine! Thank you.

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 2020-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MO

Complaint narrative:
Last year XXXX the Department of Treasury was holding money out of my XXXX check and then stop around XXXX of XXXX. I called them and was told that my student loans where paid off, i asked if there was any more student loans. I was told no that they did not have any more loans. I was inform to call PHEAA and US Department of Education and ask both companies if I had any more student loans, they said I did not have any more loans. XX/XX/XXXX I received a Letter saying that I had 2 more loans from PHEAA to pay. So I called them and ask where the 2 loans came from, and that i want copies of the student loan. I was told that they did not have any paperwork for the loans. Ask how come they sent my a bill and not have paperwork for the loans. Then I said it bs that after i got the 3 loans i had paid off that 2 more loans magically appear from no where. This not the first time this has happen. I want to get this inspected and resolve before it is sent to credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am not aware of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: TX

Complaint narrative:
not aware of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a address that I dont currently live at. I mailed in a dispute letter with all my current information. The accounts on credit arent reporting the address Equifax has as current. They refuse to update my address and even mailed out dispute results with all my identification to a address Im not associated with. I was confused to why the dispute results stated mailed but I never received them. I mailed in my dispute and also open up a dispute via myequifax. I was emailed and asked to fax over my ID, Current proof of residency and social security card. I did and continued to receive alerts to my email to send the documents that I already faxed. The proof of address is a current cell phone bill with the current address the same address on the return envelope that I sent my written dispute in. So now my account and life insurance systems are updating my current address to the address that Equifax is reporting where I do not live or receive mail. I live in XXXX  but my mail is going to XXXX. Equifax is the only credit reporting agency thats reporting the address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. 
The address dates are not correct and my current address is being reported as if I lived there a year ago when I hadnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
1. My old card expired, so HSBC sent a new card to my home ( U.S ), but it was stolen and used by criminal suspect from XX/XX/XXXX. when all transaction happened, I was physical located in XXXX, XXXX ( passport record can prove ) 2. In XX/XX/XXXX, I received a call from HSBC to remind overdue payment, then I found the credit card was on fraud. ( No text messages and phone call from HSBC to remind the abnormal transactions ) 3 I reported to HSBC about the fraud in XX/XX/XXXX and filed a policy report on XX/XX/XXXX in US 4. From XX/XX/XXXX till XXXXXX/XX/XXXX, I keep contacting HSBC fraud department and look for a solution ( made over 15 times phone call ), HSBC partially dispute the transaction, but still denied over {$6000.00} transaction. 

Complains : Here is the complains for my case : 1. Fraud department didn't make any progress from XX/XX/XXXX to XX/XX/XXXX.

2. In XX/XX/XXXX, Fraud department supervisorXXXX XXXX ( not sure the name is correct ) told me HSBC partially disputed the transaction, and suggested me call XXXX XXXX XXXX, I called more than 10 time of the number, but no response. so I have to call fraud department, but fraud department asked me call ( XXXX XXXX ), so I was a ball been kicked one side to the other. 
3. Fraud department told me different reasons of deny the fraud dispute requirement each times when I called 4. I required to talk to fraud department supervisor from XXXX ( >5 times ), only one time received call back, but no progress. 
5. it passed 6 months that investigator still can't get policy report, obviously, no one is working on my case. 

I attached " policy report card '' and and " I94 - Custom entry/exit record- which can prove I am physically in XXXX , not in US when the fraud happened ''

Company response to consumer: Closed with explanation