vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-26 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC ACCOUNT NUMBER XXXX is wrongfully appearing on my XXXX  credit file.The collector is attempting to collect a debt for XXXX , XXXX, THE ORIGINAL CREDITOR. 
HOWEVER 1-I NEVER ORDERED A XXXX CARD 2-I NEVER ORDERED ANY XXXX MERCHANDISE 3-ALL OF THE MONEY LVNV FUNDING WANTS is for return, restocking fees, the interest associated with that and any fees the collector added. 
4-SO THE ORIGINAL CREDITOR AND THEIR COLLECTOR ARE SCAMMING AND EXTORTING USING CREDIT REPORTING TO DO THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: MN

Complaint narrative:
My identity has been compromised and the aftermath of this has left me with unauthorized activity involving my credit report. I recently disputed the activity and the credit agencies investigation came back verified. My question now is verified by whom, and when and how. What was the Method Of Verification.  And in accordance with FCRA I'm requesting the details of the Method, or the following inquiries shall be removed immediately. The following inquiries are, 1 ) XXXX XXXX XXXX, ( XXXX ) ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX  XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX  ( XXXX ) 11 ) XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-26 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My identity has been compromised and the aftermath of this has left me with unauthorized activity involving my credit report. I recently disputed the activity and the credit agencies investigation came back verified. My question now is verified by whom, and when and how. What was the Method Of Verification. And in accordance with FCRA I'm requesting the details of the Method, or the following inquiries shall be removed immediately. The following inquiries are, 1 ) XXXX XXXX XXXX, ( XX/XX/XXXX ) ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX   XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX  ( XX/XX/XXXX ) 10 ) XXXX  ( XX/XX/XXXX ) 11 ) XXXX  ( XX/XX/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 2019-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have posted {$140.00} dollars overdraft fees on my account. I have money in my account to pay for the charges that were returned a day after my deposit posted. Can I have a reversal in the fees? I also have 2 overdraft fess in the amount of {$72.00} do to XXXX XXXX charging me three times for same transaction. Can i please have this amount returned to my account?

The company is charging fees after deposit posted is enough to cover any funds. banks does not respond to any request via email.

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 2019-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
on XX/XX/XXXX we were informed that XXXX  XXXX  sold our mortgage to specialized lending services llc, did not like the complaints on this company so when we called them XX/XX/XXXX to make our payment we requested a pay off quote as we had a loan lined up else where and signed the paper work with bank on XXXX sent the pay off check in the amount of XXXX. on the XXXX of XXXX after the check had been sent and cut they sent us another pay off quote including our property tax which was being and was paid by our new loan provider, so when we would not give them XXXX more when our property tax was only XXXX they sent the check back to us on XX/XX/XXXX and wanted even more money to pay off our mortgage and since they could not use our property tax to get more money the new pay off quote has our house insurance premium to the tune of XXXX our new mortgage company has even tried telling this place what they are doing is not correct but that does not matter with this company as far as i am concerned these people are nothing more than thieves and i am sick of beating my head against the wall with these people. we have made numerous phone calls and get no where, don't believe anyone there is qualified to do there jobs and different answers every time.

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 2019-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are so many reports concerning this organization and this issue that it makes your agency appear to be impotent and incapable of doing anything at all. Quite frankly a quick read, rite and file! Dispute Result- XXXX XX/XX/2019 Member IDXXXX. This is a major impact to us financially I and my wife. Although attempting through letter and On Line Multiple times- telephone and fax we can not get through via any medium they provide. Wrong numbers, Emails that do not work and Computer access that fails and the reports remain incorrect. While negatives are reported immediately and even if wrong it takes months to remove or repair [ as this report is witness to ] Their safety valve of they only report contact the creditors is confirmed within this report by the fact the creditors do not respond quickly and have no need to. The fact they never respond to the inquiry of offshore processing of citizen information is of itself a confirmation of who they are and your lack of concern and or ability to act is of itself and by a opinion a great charade. Balances when wrong reported immediately while latest balances take months an paid accounts even longer. The attempt by opinion to deliberate keep us indentured producing less than favorable credit scores and higher interest rates. The so called security free a farce and lie by their own words. Do we expect anything from your organization- NO- " you shall know them by their fruits '' and the both of you and the others who called themselves reporting agencies or Consumer Protection mere labels. If this any honor or credibility please have the reports updated correctly or develop legislation to inhibit slow response by the creditor and non immediate updates so the reports are maintained real time! So much for the good the decent and the honorable!

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 2019-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
A debt recovery was reported on my credit report XX/XX/2019. 
The recovery company is AD Astra RecoveryServ XXXX. For XXXX XXXX I do not know anything about this debt nor does my husband. 

I want this removed from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: FL

Complaint narrative:
There are so many reports concerning this organization and this issue that it makes your agency appear to be impotent and incapable of doing anything at all. Quite frankly a quick read, rite and file! Dispute Result- XXXX XX/XX/2019 Member IDXXXX. This is a major impact to us financially I and my wife. Although attempting through letter and On Line Multiple times- telephone and fax we can not get through via any medium they provide. Wrong numbers, Emails that do not work and Computer access that fails and the reports remain incorrect. While negatives are reported immediately and even if wrong it takes months to remove or repair [ as this report is witness to ] Their safety valve of they only report contact the creditors is confirmed within this report by the fact the creditors do not respond quickly and have no need to. The fact they never respond to the inquiry of offshore processing of citizen information is of itself a confirmation of who they are and your lack of concern and or ability to act is of itself and by a opinion a great charade. Balances when wrong reported immediately while latest balances take months an paid accounts even longer. The attempt by opinion to deliberate keep us indentured producing less than favorable credit scores and higher interest rates. The so called security free a farce and lie by their own words. Do we expect anything from your organization- NO- " you shall know them by their fruits '' and the both of you and the others who called themselves reporting agencies or Consumer Protection mere labels. If this any honor or credibility please have the reports updated correctly or develop legislation to inhibit slow response by the creditor and non immediate updates so the reports are maintained real time! So much for the good the decent and the honorable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: FL

Complaint narrative:
I have a bunch of fraudulent or inaccurate info on my credit profile. I am getting denied for jobs, I cant move into an apartment, I cant even get pre-qualified for a home! 


Hard Inquiries : XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Collections non specific {$510.00} {$510.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$810.00} {$810.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX   XXXX Collection services {$810.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Collection services {$510.00} {$0.00} XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX XXXX {$810.00} {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My student loan was being handled by a company called XXXX and was taken over by XXXX. Between the transfer my XXXX, XXXX, XXXX and XX/XX/2018 payments went missing. They eventually credited me three of them but one payment is still missing and they have made me jump through so many hoops trying to get it back. I had to get documents from my bank and do conference calls with my bank. They made me contact XXXX  multiple times which has been shutdown and does not have any staff to help. They promise and promise and promise to " look into it '' and call me back in " 2-3 business days, '' but no one follows up. I get a different story every time I call. Ive been told that I can only get a credit to my account and I have been told that it can only be issued by check in 3 weeks. But nothing ever shows up in my account. No check is ever mailed to me. 

I feel helpless and I have to keep sending them money every month with absolutely no recourse. Can you please help me? I am sure there are a lot of other people who are having the exact same problems due to their switch over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: First Associates Loan Servicing LLC
State: OH

Complaint narrative:
I received two letters from XXXX XXXX XXXX. It states that the original creditor was XXXX XXXX, XXXX. and current creditor is XXXX XXXX XXXX. It states it was a student loan from when I attended XXXX XXXX XXXX and the amount of XXXX was given in XX/XX/XXXX another amount of XXXX was given XXXX of XXXX. Last payment received on XX/XX/XXXX. I called the company to dispute the validity of the accounts on the grounds that I signed no paperwork work when I attended XXXX XXXX XXXX in XXXX XXXX, Indiana to a XXXX XXXX, nor have I ever made a payment to them. When I attended XXXX XXXX, they forced me to get a loan from XXXX XXXX  in order to cover their temporary credit or I could no longer attend. The only bank that I know I signed for was XXXX XXXX. I never got any repayment letters and never knew anything about a XXXX XXXX. I inquired about the so called last payment that was supposedly made and was told that they did not have any further information about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a bunch of fraudulent or inaccurate info on my credit profile. I am getting denied for jobs, I cant move into an apartment, I cant even get pre-qualified for a home! 


Hard Inquiries : XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Collections non specific {$510.00} {$510.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$810.00} {$810.00} XX/XX/XXXX Transunion : XXXX XXXX XXXX   XXXX Collection services {$810.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Collection services {$510.00} {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX {$810.00} {$0.00} XX/XX/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 2019-01-26 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: FL

Complaint narrative:
I have a bunch of fraudulent or inaccurate info on my credit profile. I am getting denied for jobs, I cant move into an apartment, I cant even get pre-qualified for a home! 


Hard Inquiries : XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX Collections non specific {$510.00} {$510.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$810.00} {$810.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX   XXXX Collection services {$810.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Collection services {$510.00} {$0.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX {$810.00} {$0.00} XX/XX/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 2019-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
In the beginning of XX/XX/XXXX, I became aware that XXXX XXXX had opened a 2nd account for me because they sent me 2 bills. I called them and they told me the two accounts were merged. Later in XXXX they sent another bill, with a 3rd account. I called them, they assured me the accounts would all be combined. four days later I received a card for a new account. I again called them. They again assured me that the accounts were all merged into 1. I received my bill. I paid my bill on time. I received a notice that my account was past due. I called them and they informed me I still had an account that was not merged and I owed a {$10.00} dollar payment. that was on! /XX/XX/XXXX. I told the representative that I would call on XX/XX/XXXX and make the payment. I was told that after the payment all of my accounts would be merged. When I called on XX/XX/XXXX, the rep told me that I had 2 accounts open and I had a minimum due of {$20.00}, but after payment I would be caught up till XXXX. He told me that the payment would allow him to merge my accounts. I explained I had little confidence that this would occur and asked to speak with his supervisor. The supervisor got on the line, assured me that all of these accounts are merged and I didn't have a payment due till XXXX. This morning at XXXX I received a call from XXXX XXXX ( robot call ) about a past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I pulled a copy of my XXXX credit report on XX/XX/XXXX due to suspicions that Citi cards did not properly credit or resolve a fraudulent transaction. 

My wife and I purposely did not place transactions on this account this fall & winter due to the inconvenience of multiple account number changes due to fraudulent activity. When we learned of another fraudulent charge representing the entirety of the balance ( {$11.00} ) I  contacted them ( XX/XX/XXXX XXXX ) requesting resolution and will not be submitting payment for that billing period. There online chat gave me the following response : Yes b erest assured we have notated your account for this ( XXXX at XXXX, XX/XX/XXXX ) as Your account comes with {$0.00} account liability. And you will not be liable to pay any unauthorized charges. 


This was not resolved, as I discovered in a statement received XX/XX/XXXX. ( Your payment of {$11.00} is 6 days past due. Please Make a payment now ) I called Citi 's customer service three times that day ( Called XXXX and she abandoned call ; Called 2nd time and it went to busy after the menu ; Called 3rd time reached XXXX and she will take care of disputed charge and finance charge ( estimates 3 days ) However, this amount is still being reported on our XXXX credit report. 

I'm appreciative of any assistance you can provide. Thanks in advance!

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 2019-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I am getting notifications from Covergent about a collections account that does not belong to me. This is going to drop my credit score and ruin my chances of getting a mortgage. 

This isn't my account, how can they say I owe them if I never did anything with them?

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 2019-01-26 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 have just been denied credit because of a negative medical debt reported on my credit file by XXXX XXXX and Equifax. I have tried repeatedly to get XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX to verify an negative item they reported to Equifax to verify this debt per the FCRA. I have also repeatedly asked Equifax to verify this negative information as well, but Equifax claims they have verified this. Obviously Equifax is not doing a reasonable investigation per the FCRA and not sending me any documentations to prove that. Neither is XXXX XXXX XXXX. In Accordance with my Federal Rights I am entitled to this information and if it can't be provided this information is to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: MI

Complaint narrative:
I am writing to inform you I have been a victim of identity theft/fraud and many of my accounts were compromised without my consent. Someone form your company Carter Young Inc. acc # XXXX contacted me about a alleged debt that showed up on my XXXX credit report. Date XX/XX/XXXX amount XXXX . I sent a certified affidavit to XXXX and the company Carter-Young Inc, disputing the alleged debt. I did not authorize the account, and on my credit report says " JOINT '' account and I did not have a contract with the company Carter Young Inc. As stated above I have been a victim of identity theft. I also provided proof with a police report and didn't get a response from the company. I am requesting that the following account be removed immediately from 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 2019-01-26 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: Applied Business Services, Inc.
State: GA

Complaint narrative:
I have just been denied credit because of a negative medical debt reported on my credit file by XXXX XXXX and XXXX. I have tried repeatedly to get XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX to verify an negative item they reported to XXXX to verify this debt per the FCRA. I have also repeatedly asked XXXX to verify this negative information as well, but XXXX claims they have verified this. Obviously XXXX is not doing a reasonable investigation per the FCRA and not sending me any documentations to prove that. Neither is XXXX XXXX XXXX. In Accordance with my Federal Rights I am entitled to this information and if it can't be provided this information is to be deleted.

Company response to consumer: Closed with explanation