vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have an account with over $ XXXX with XXXX XXXX  XXXX. 
I tried to transfer the funds out of XXXX to XXXX. I attempted this online but was advised that transfers above $ XXXX require a phone call. 
I called at XXXX PST to request the transfer. The agent took my information and said she submitted the request. 

I checked at XXXX pst and the transfer has not been scheduled. A XXXX  agent advises that it make take 1-3 business days for an outgoing transfer. 

I find this to be unacceptable. Neither XXXX or XXXX have this type of delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX in currently reporting a debt on my credit file that is incorrect. My insurance paid this debt and I am not sure why they are reporting this collection on my credit file. It is invalid.

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 2018-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account closed and the balance that is on my credit report is incorrect. I file a complaint with the creditor ( # XXXX ) and they verified that there was no information in regards to myself nor the balance. I sent in documents to XXXX and TransUnion for this account be removed based on the creditors lack of verification. XXXX has removed it from my 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 2018-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account closed and the balance that is on my credit report is incorrect. I file a complaint with the creditor ( # XXXX ) and they verified that there was no information in regards to myself nor the balance. I sent in documents to Experian and XXXX for this account be removed based on the creditors lack of verification. XXXX has removed it from my 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 2018-12-03 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Each time I call XXXX and Equifax for and annual copy of my credit report they always ask me questions that do not pertain to me then when I answer them they tell me I didn't answer the guest ions correctly. I asking that XXXX and Equifax ask accurate questions that pertain to me and when I answer right for them to except my answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
A loan was taken out using my name and my information without my consent. I was never aware that a loan was taken out through speedy cash. I filed fraud with them and they never replied to me contacting them twice and stating that I never acquired a loan with such a lender. I then received a letter in the mail stating that I was past due by {$250.00} and that is all of the information that the letter contained when I contacted them they told me that there was a loan taken out in my name using my information for the amount of {$400.00}. I never signed a contract or note.. The only reason I came to find out about speedy cash was because in the beginning of XX/XX/2018 money was being taken out of my account from speedy cash. so I went ahead and filed fraud with my bank and I obtained a new account number. Then speedy cash began to take money out of my debit card so I had to get a new debit card as well.. when I contacted them and reported all of this activity as fraud they never did anything about it. now they are charging me for a loan that I never took out.. I WENT AHEAD AND FILED A POLICE REPORT AS WELL WITH MY LOCAL POLICE DEPARTMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: MO

Complaint narrative:
I have been trying to get fraudulent inquries off my Equifax report. 

I called chase where the online credit card inquiry was made thru and they help me with acknowledgement of this fraudulent activity. They sent off something to Equifax more then 90 days ago. 

I was told I needed to wait till XX/XX/XXXX to file a complaint about Equifax not doing there due diligence to act accordingly to the CRA laws. 

I have 7 fraudulent activities from XXXX Bank, Equifax refuses to help me with this and told me that I just need to wait till they drop off in the 2 year mark. 

This has made my score drop from this and even though I have done everything to fix this with XXXX bank, Equifax refuses to do what is right. 

I am at my wit 's end and I have a freeze on my Equifax account due to this fraudulent activity. 

Equifax said it is not their job to correct the fraudulent activity, XXXX has done their job by reporting this as fraudulent activity and yet this is still on my credit report. 

I should not need to wait till XXXX for this to be addressed when I have taken steps to correct this and XXXX has also taken steps to help me with this. 

Equifax thinks they don't need to follow the laws and they stated so to me on that last occasion I called them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I contacted Santander Consumer USA. I currently have a car loan with them and I wanted to verify that the payments I have made since the origination date of the loan have been reported to the credit bureau. I was informed by a Santander employee that the company does not report to the credit bureau. I was told that I could fill out a waiver to allow Santander to begin reporting to the credit bureau. I was given 3 different time frames that it would take to e-mail the form to me. The latest date was for Monday, XX/XX/2018. I did not receive the e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit Bureau : Equifax Date of Inquiry : XX/XX/17 Company information : XXXX There is a hard pull showing up on my credit report, but I did not authorize this. Equifax is unable to help me remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
1 ). XX/XX/XXXX. The amount owed {$2800.00}. 
I am unaware of this charge until I contacted Conns Credit Corp to mail me more details about this debt but did not receive a response from them. At times, they called and act like an attorney representing Conns. Threating to take me to court. They threaten to come to my workplace and arrest me. They called my siblings and parents and threaten to arrest me. I tried calling to understand what happened and resolve the issue, but they failed to provide me details of how I owe {$2800.00}. 

2 ). XX/XX/XXXX. The amount owed {$440.00} I do not recognize this debt. It was submitted to my credit history by " XXXX XXXX XXXX '' and original creditor name is CONNS. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
XXXX sold my loan as of XX/XX/2018 i received a letter middle XXXX stating such, They sold my loan to Specialized Loan Service LLC XXXX this company has not only never sent me any info, ,After many calls to XXXX XXXX i got the new loan number and just mail certified mail, Ive called for 5 days never to chat went on line like XXXX XXXX told to do to XXXX  sight says i dont have a account,, The rules state they suppose to contact me within 15 days of date new service. They did not. The complaints on ; line scare me, and 364.., They should be check out,, When i phone got code and said i have not paid XXXX payment ... I paid XXXX  this payment and have print out to prove this,,, ,XXXX XXXX got my loan XX/XX/2018 But wouild not even take a payment stating my account was not active///// ... Please help me i dont want the company to mess up my go credit,, 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 2018-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Last payment was XX/XX/XXXX. Complaint filed on or about XX/XX/XXXX with cfpb. Debt is about {$4100.00}. Called company on or about XX/XX/XXXX and told them to cease and desist all communication. Company continues to send collection letters. As you can see the debt is well outside the 7 year collection window.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
1 ) On XX/XX/2018, after paying the Private Mortgage Insurance ( PMI ) for more than a year, I paid the new appraisal that Flagstar requests me in order to study the possibility to waive the Private Mortgage Insurance ( PMI ) 2 ) On XX/XX/2018, Flagstar told me that the appraised value was insufficient to warrant a waiver of the insurance. 
3 ) On XX/XX/XXXX, after several phone conversations with the PMI Department of Flagstar, they suggest me to DISPUTE the appraisal value. 
5 ) On XX/XX/2018, I sent to Flagstar an email with all the information that they requested me in order to dispute the appraisal value, in order to waive the Private Mortgage Insurance. ( including at least five Comparable houses sold in the last six months ) 6 ) On XX/XX/2018, after three weeks without a response, I sent a follow-up email to Flagstar. I did not receive any response 7 ) On XX/XX/2018, I spoke by phone with their PMI Department, and they assured me that I would get an answer on XX/XX/2018. They gave me the Case Number : XXXX, but I never heard back from them. 
8 ) On XX/XX/2018, I spoke with Mr. XXXX XXXX, Home Leading Area Manager of Flagstar, and I sent to him a new email. He sent me on XX/XX/2018, an email where he very kindly let me know that he escalated my case " through his management chain '' 9 ) On XX/XX/2018, I called Flagstar again and someone from the PMI Department told me that my case has not been yet resolved and that I have to wait for 3 to 4 weeks more for an answer ... 
10 ) On XX/XX/2018 I wrote an email to the Office of the President ( Flagstar ) asking for his collaboration in this case. 
11 ) On XX/XX/2018, I received an email from The Office of the President where they told me " We look forward to providing you a response within 30 business days ''. 
10 ) Until today, after more than FIFTY-TWO ( 52 ) days since XX/XX/2018, I have not received any response. 

I am not sure how many emails, phone calls, and months this company needs to answer a request from one of your clients. I am so sorry, but I am exhausted by this absurd bureaucratic system of Flagstar, and this is why I need your help. I would appreciate very much your kind consideration and valuable help in order to resolve this situation as soon as possible.

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 2018-12-03 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: CA

Complaint narrative:
XXXX XXXX ACCOUNT XXXX BALANCE IS {$5700.00} XXXX XXXX XXXX ACCOUNT XXXX BALANCE IS {$25000.00} XXXX XXXX XXXX ACCOUNT XXXX BALANCE IS {$2100.00} THESE ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT, I DISPUTED THESE FROM XXXX   AND XXXX AND THEY ALREADY REMOVED FROM CREDIT REPORT, I MAILED A FRAUD THUR THE MAIL. PLEASE DELETE FROM CREDIT REPORT, 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 2018-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I am a XXXX  that qualifies for the public servant loan forgiveness program. I am trying to find out how many qualifying payments I have made toward the 120 required payments. I called in XXXX of 2016 to get an answer and have called repeatedly with no success. They keep telling me that they working on finding out, but my file is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : Account Name NATIONAL CREDIT SYST Account Number : Account # XXXX Date : XX/XX/2017 Amount : {$7800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: DC

Complaint narrative:
Hello, I'm not sure if I answered the correct pro-forma questions because I wasn't sure which of the categories my situation falls into. 

I recently had a collection appear on my credit report from the collection agency Radius Global Solutions. It's for a medical bill. I have no idea what this medical bill could be and have not been contacted by any of my medical providers for an amount similar to what Radius is asking. I had  some labwork done around the time Radius claims my debt was created, but my insurance company shows that the service was paid for in full. Also, I did receive a phone call from a collection agency several months ago about thousands of dollars of medical debt, but given that, to my knowledge, I had no outstanding bills I assumed it was a scam.

I can't get any additional information from Radius Global Solutions because they literally never answer their phone, and the voicemail is full. I have been trying for weeks to contact them about this mystery debt but every time I call the main line they tell me it's the wrong number and they give me the correct number. When I call the correct number it rings for hours and eventually gives me the option to leave a voicemail ; however, the voicemail box is full and so I can't leave a voicemail. So, when I try to contact their " quality assurance line '' I also don't get an answer and so I leave a voicemail ; however, after two weeks and several voicemails, I still haven't gotten a call back. On the last couple of voicemails I told them that if they didn't call back I would file a complaint with CFPB or FTC. 

This is affecting my credit significantly, I never received any mail or phone calls from any original provider notifying me of any debt, and the collection agency has yet to explain exactly where this mystery debt came from. 

Please help. 

Thanks you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
A collections account was placed on my credit report by Franklin collection services for {$40.00} in XX/XX/XXXX, the original creditor is XXXX XXXX XXXX. I was a victim of XXXX XXXX in XX/XX/XXXX and canceled my services due to total loss of home after flooding. I informed XXXX  that the equipment was damaged and couldn't be returned. I was initially charged for the equipment cost although they were aware the equipment was damaged and couldn't be returned. I was informed by a rep they would check the zip code of my address to ensure that area was declared a disaster area. After doing so, the equipment cost was refunded and the balance owed was {$0.00}. I didn't use XXXX   services after that time. 1 year later, I have a collections reporting from them. I never received a bill or any notice of a debt owed from XXXX. I also spoke to a rep on XXXX in regards to this issue and the rep informed me she couldn't explain why I was billed for the {$40.00}. She also contacted the collections dept who couldn't pull up any information either. It is an unfair practice to place a collections account on my credit without giving any notification or contacting me to rectify the situation. If I owed {$40.00}, I would have paid the amount. I was told by XXXX the balance was {$0.00}. Please remove any negative marks from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hi I am sorry, I didn't open the credit card account on the XXXX and I have not received credit card and I didn't order and I didn't use the XXXX credit card never Please check my credit report and fixed. 
I can't open the other account and I can't co-signer for the student loan application for my husband and he can't give the loan. We are very very nervous and very very sorry for the incurrent credit report. 
We are very Physical and financial losses because XXXX report is incorrect.

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 2018-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under AFNI Inc.. I requested a validation on XX/XX/2018 as there was 1 account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
After I signed the Installment loan contract, the dealer changed the vehicle cost and extended warranty price, forged my name and presented the forged documents to my lender for funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy had is holding my insurance payment because they want to foreclose. My house eas destroy during Florence I have no rough on the back part of my house im forced to stay there because navy fed took the money fema gave me to pay my credit card when i told that was money from fema i wasbtold the would not reverse it I had a payment Rangement because im with one of those companies that pays upur bills for younst a lower cosst. I kep calling but they dont care that i am in a house with no roof because they ate holding my insurance check from the insurance company i did know they could do i pay to be covered and I dont understand they have not forclosed and the house is still mine so how could they hold my check i was told is one of thete rules that you never hear about until it happens to you like so many other things. I dont was told the {$1300.00} would be put back but I havent cheacked they should have nevet taken it they could see that money came from fema i could go to Jail for using that money for anything other than what it was given to me. If i had not looked at mt account i would not known it was gone they dont tell you when they take the money. I was going to a hotel last week and i would have dividing the price of the Hotel by the number of days I could stay. There would have been a problem when I checked out if there was no money.

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