vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 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:
I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX XXXX**** ; DEPTEDXXXX 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 2019-06-03 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 have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX   XXXX ; XXXX XXXX ; XXXX XXXX ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have a hard inquiry from SYNCB/ Airlines ( national credit cards/airlines ) on my XXXX  report from XX/XX/2019. When I call SYNCB they are staying there is no information for my name in their systems. I did not apply or inquire about anything from this company. Would like to get this removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander Consumer aggressively called my phone during the time of my loan at different times of the morning continuing throughout the day as late as XXXX XXXX. I spoke with them inregards to the repeated phone calls, even after I spoke with a representative. Santander also created fee and over charged me for the vehicle with the APR standing at 25 %, which forced me to do a voluntary repossession. They have sold the vehicle and still are charging me for these fees. They have been sued by other customers with the same complaint in the XXXX XXXX XXXX vs Santander Consumer as well as XXXX XXXX vs Santander Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I called Amsher Collections around XX/XX/2019 pertaining to my XXXX balance. They then sent me to the Attorney Law offices of XXXX XXXX. So I settled the debt with {$380.00} with the Law offices of XXXX XXXX. They explain to me that they will report to both Amsher Collections and XXXX that the balance was taken care of. They said it should take about 30 days for the debt to come off my credit report. Its been about 3 months and it still appears on my credit report. I contacted all three businesses sometime in XXXX, and they all pointed the finger at one another. Seems like no one wants to take responsibility of contacting the necessary people to get this off my credit. Not knowing what to do, my wife did some research to get in contact with your company. When I asked for an email copy of the agreement we made, they said they can only provide me with a confirmation number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am emailing to inform you of an incident that happening this past weekend, XX/XX/2019. My debit card was taken by the XXXX XXXX ATM ( XXXX ). The atm said that it was out of service and would need maintenance. I return to the branch Monday morning to retrieve my debit card only to be told that they didnt have it and a service call was never placed on that atm. Which leaves the question, well where is my debit card? 

Turns out SECU released MY debit card to some random person that later walked up to use the ATM. I have been in banking for years and a former SECU employee and I am sure that is not how that is suppose to work. My debit card was given to some random stranger and is currently circulating around XXXX County all weekend and I can only imagine the damage that has been done. 

The only service I can get from the Branch is to order a new debit card, but that doesnt give me any peace of mind knowing that SECU practices giving away important information to anybody. They dont have to be the card holder to get my card released from the atm. What steps were taken to verify the identity of the person calling in? 

I will be sure to share this experience with everybody I can. With all the fraud that already exist, people should be aware of what banks and financial institutions are not actively trying to protect them and their assets.

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 2019-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: MI

Complaint narrative:
The called me about an inexistent debt which is dated seven years back. According to a collection agency demand, in XX/XX/XXXX and XX/XX/XXXX, I provided all the necessary docs that prove that this is not a correct claim and they stopped calling. I also notified all credit agencies and the credit scoring services and the note was removed from my credit score after the documents were reviewed. Now I'm receiving calls again from other people saying that they are a different agency called Dynamic Recovery Solutions and started harrasing again. I got a call Saturday evening around XXXX, and two calls on Monday morning XXXX. I explained to them that I have sent or relveant information already to the previous callers and the credit agancies but they ignored me. They kept asking me to verify my address telling that there is a pending unpaid debt. When is this going to stop?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
tried to get a personal loan when I mentioned using a XXXX of the XXXX XXXX on a work van I was cut off and denied because it was related to my business

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2019, I received a letter from Capital One, stating they deactivated my old card due to due fraud on behalf. I was to be reimbursed for the fraudulent activity. I received a new credit card, not allowed to activate it. After weeks of sending proof of identity, they called my energy supplier to confirm my residency. I was then told Capital One closed my account because I missed a payment on my old card. I didn't have the card in my possession and was told I had a returned check payment. I tried to explain that the person that stole my wallet/phone had access to all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have 2 Capital One Bank and XXXX XXXX XXXX reporting on my credit report and these accounts do not belong to me. I have written both companies several times and they both fail to send me any type of agreement between me and Capital One Bank. I have been contacting them both for over a year. One account credit limit say XXXX, previous balance is XXXX and new balance is XXXX the other account from Capital One Bank sent two different invoices with the amounts of previous balance XXXX XXXX with a new balance of XXXX with fees and interest charges of XXXX the other invoice that is associated with the same account has a credit limit of XXXX, previous balance of XXXX and new balance of XXXX interest charged XXXX. I have security alerts with the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: VA

Complaint narrative:
I tried making my loan payment today XX/XX/19 to find out they have locked my account. They claim i have not paid for the month of XX/XX/XXXX which my paystub clearly indicates my payment went through on my XX/XX/XXXX. I never recieved any type of warning indicating that they would have locked my account making it impossible for me to make any further payments. I would like for Selene Financing to unlock my account so i can continue making my monthly payments without any late fees. This has been the second time in 6 months that i have had a problem with Selene finance. 

I contacted the company and i explained to them the situation and they could not help unless i send a certified check or a money order to them for the remaining of the year. I have a bank branch that does not exist near my county so going to the bank is not possible. I would like to switch Financing companies if this keeps happening every 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; 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 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD

Complaint narrative:
I switched banks and forgot to let this company : American Collect know which I take fault for. The payment did not go through and then my representative XXXX who is assigned to my case called my home, called my cell, and then called my job on Friday XX/XX/XXXX from XXXX. I work a XXXX-XXXX shift Monday through Friday. She called my job and my Office Manager politely told her to not call her again. I called Rep XXXX after my work shift- apologize to her and let her aware that I could pay something on the XX/XX/XXXX. Today is XX/XX/2019 and she calls my cell, and then calls my job. I answered and repeatedly told her to not call my job. She talks over me and says I need to confirm my identity to make sure she makes notes of this. I verify who I am and then she continues on talking as if I just told her that I am working and can not talk. I could lose my job because of her!!! I told her to not call my job and hanged up the phone. I am not going to pay anything until I get another representative on my case. I do understand that this situation was initially was my fault- but she should abide by the laws of my rights.

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 2019-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX a rep from XXXX XXXX XXXX XXXX called my job, my parents and my sister threating to come to my job and deliver some type of litigation document. Once I got them on the phone and spoke to a woman named XXXX which I now see is the name of the so-called firm. She claims I owed {$880.00} for a Master card I had back in XX/XX/XXXX or XX/XX/XXXX. Since her tone and her abrasive language and calling me a liar she told me I kept asking her how to get in touch with the creditor. She told me they were no longer in charge of the debt they were, but she insisted she was not a debt collecter but agreed to settle the debt with monthly installments. She would not give me an address or a direct number so I agreed and was sent a docu sign statement that included their address and phone number. I then sent a cease and desist letter on XX/XX/XXXX by certified mail. The ups tracing claims the letter can not be delivered. After researching online the address given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX is a donut shop. their number is XXXX. I did my research and the CC they are referencing was charged off in XX/XX/XXXX and the account was closed.

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 2019-06-03 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX continues to report an account involved in fraud and unauthorized use of my name. The account was involved in fraud and debt that I never used. Nor authorized. The card was never in my possession. 

I filed a police report in regards to the matter back in XX/XX/2012 as the card was stolen when my house was broken into and then my house was flooded. Due to moving and living situations I never had a chance to resolve this matter. 


They can request a copy of Police report - # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days.

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 2019-06-03 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; ( Original Creditor : ) XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SIMM Associates, Inc.
State: AZ

Complaint narrative:
on XX/XX/2019 a representative from Simm Associates called my cell phone number which my mom answered. Representative with the name of XXXX asked for me then my mother asked him to never call the number again, informed that we have requested him to never call the number before and he continues to call. Representative then started saying " pay this bill, pay this bill and I wont call you '' my mother then asked what bill and she mentioned to him that she didn't owe a bill because she wasn't me. Representative never properly identify he was speaking with right party, he released personal and confidential information to my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: NY

Complaint narrative:
Initially on XX/XX/XXXX and then again on XX/XX/XXXX, I disputed the total balance due on my Experian credit report on an automotive loan from XXXX XXXX XXXX. The loan was paid off and satisfied as of XX/XX/XXXX. Both disputes to Experian came back with no changed information and the balance of {$5800.00} still due. I've tried twice and now frustrated that this has not been rectified, despite my urging them to look into the matter twice. Please help.

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 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: OR

Complaint narrative:
I went in-person to cancel my membership with XXXX and signed the cancellation form effective XX/XX/XXXX. This was the only way to cancel the membership as relayed to me by the employees. The form showed no fees due for the cancellation, as I terminated this within 1 month of the next installment. On XX/XX/XXXX, I received a debt collection from Aldous & Associates claiming I owe XXXX {$24.00} for a defaulted installment contract. This is the first time I received anything in writing regarding this claim ; prior to this, I never received a notice from XXXX about this claim, and never got the opportunity to dispute this before it went to collection. 

I called the creditor attempting to dispute this claim ; however, the representative was not interested in my dispute and never offer me an option to process the dispute with them. He said I didn't cancel my membership in writing. He was insistent on trying to get me to pay the debt and threatened he'll report me to the credit companies if I didnt pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ALL 3 " CRA '' REPORTED OVER 47 INQUIRIES UNAUTHORIZED REVIEW OF CREDIT FILE WITHOUT MY CONSENT, OUTDATED INQUIRIES OVER 2YRS OLD 2017, 13 HARD INQUIRIES AND 34 SOFT INQUIRIES ... ALL 3 " CRA '' VIOLATED " FCRA '' PROVISIONS 604, 607, 611 AND 623 ... .NOTE : ( EQUIFAX REPORT CONF # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation