vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report and was surprised to find four late  payments that were reported by Navient. 
I then called Navient between XX/XX/XXXX and XX/XX/XXXX to ascertain the details on the late payments and the representative I spoke with was unable to find any information regarding the late payments that were reported to the credit bureaus. Consequently, I assumed that this confirmed that the four late payments were an error and filed a credit dispute with XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX I received the dispute results. The results were that Navient had reported the late payments correctly. Furthermore, on XX/XX/XXXX I called Navient again and spoke to a representative with the new data I had received from the dispute outlying the exact dates being XXXX and XXXX of XXXX and got the exact loans that had been reported as the following : 4 Navient accounts - XXXX - XXXX - XXXX - XXXX Stafford Subsidized loan The representative was able to see that I was coming out of forebearance and the rest of my loans as I carry multiple student loans with Navient were still on or continued to be on Autopay, however, these for some reason went to manual pay and only these select 4. 
The automatic debits should have been reactivated after forebearance as the other loans were. 

The representative told me that this very well could have been a technical glitch on the system and to send a narrative with the credit dispute copy attached to this address. 

I did this and sent a narrative similar to above with a credit report dispute result on XX/XX/XXXX via USPS Priority mail. Navient said they would respond within 30 days. As of XX/XX/XXXX they have not responded or issued me any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: OK

Complaint narrative:
This is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified fraudulent inquiries and fraudulent accounts. Please block all of the accounts listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XXXX with balance {$3000.00} CREDIT COLLECTION SERVIC with balance {$110.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX OXXXX XXXX XXXX - XX/XX/XXXX These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. The accounts are fraudulent, unverifiable, and violate my consumer 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 2019-05-21 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: OK

Complaint narrative:
This is an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent inquiries and fraudulent accounts. Please block all of the accounts listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XXXX with balance {$3000.00} XXXX XXXX XXXX with balance {$110.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. The accounts are fraudulent, unverifiable, and violate my consumer 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 non-monetary relief
Consumer complaint received 2019-05-21 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: GA

Complaint narrative:
I contacted Experian due to reporting an account with XXXX. I am a victim of identity theft. I reported it to all bureaus XX/XX/2018. I contacted the company and they social security number listed on these accounts ARE NOT MINE! I have provided the bureau 4 times with my drivers license, proof of address and front and back of my social security card that clearly displays my social security number. Ive spoken with someone in their fraud department x2 and they still will not remove this information from my report. There were 20 accounts showing and they only removed 12 and left 8 remaining on my report. They are the only bureau showing this account that belongs to someone else with a similar name but not the same social. My fraud report with FTC : 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 2019-05-21 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: Credit Corp Solutions Inc.
State: SC

Complaint narrative:
Credit Corp Solutions is claiming I owe them {$830.00} from a debt they purchased from XXXX XXXX, which I am also currently disputing. I do not recognize this debt and they are unable to provide anything bearing my signature showing that I have any contractual obligation to pay them. 

I also noticed another illegal practice ... I'm receiving calls from XXXX which belongs to Credit Corp Solutions on a private line that no creditor has and it's not listed on my credit report. They do not have permission to call this number and they only possible method of them having this number is by phishing and reaching out to friends and family. 

I've contacted the company twice to fix this error and they are non-compliant. The first attempt, they received my dispute my certified mail on XX/XX/2019. The second attempt was again through certified mail, their receipt of my dispute showing XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
Ok I XXXX my husband to XXXX last month XX/XX/2019 I spoke to a specialist at phh mortgage services they said my mortgage was upside down and I couldn't do anything about it I wanted to lower my payments because of the struggle I'm going through I've reached out to so many lenders and nobody helps this is completely unfair XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: AL

Complaint narrative:
In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX Account # XXXX Balance {$560.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$17.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$74.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$210.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$1200.00} Opened XX/XX/XXXX There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: DE

Complaint narrative:
I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that EOS CCA provides me with competent evidence that I have any legal obligation to pay them. I am asking EOS CCA to please provide the following:1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET '' signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand EOS CCA immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX and XXXX ). I also demand that EOS CCA agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that EOS CCA agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I called Huntington Bank to close my account, and they refused to close my account over the phone. They told me I HAD to go into a branch to close it. I do not want the account anymore, and it has a monthly fee. I can not make it to a branch during business hours, which I told the lady on the phone, but she refused to make an exception. I asked several more times to no avail. It seems very unethical to me that they are making it so difficult to close my account with them. I don't even know how I will do it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For experian. When I try to request it online. Its says " a condition exists. '' For XXXX it will not give it to me online.

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 2019-05-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wanted Chase to remove the 10 year old bankruptcy from my mortgage statement. They did not. They then proceeded to ruin my credit by re repoting the bankruptcy, and taking off my payment history. WHY???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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:
Back in XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : US DEPARTMENT OF EDUCATION opened XXXX Account # XXXX highest balance of {$2000.00} new balance of {$3000.00}, US DEPARTMENT OF EDUCATION XXXX XXXX Account # XXXX highest balance of {$1100.00} new balance of {$1400.00}, and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Balance {$11000.00}. There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I have been disputing this account since I first received notice from the credit bureaus that it was being reported on my credit report. On XX/XX/2019 I sent letters to XXXX asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation. No matter what I request ( validation of the debt, proof of amount, or proof they are authorized to collect debt ) they simply respond with a form letter that debt is valid and attaching a copy of a single bill. XXXX is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me a copy of a bill. This is not acceptable. A copy of a bill or a statement of monies due does not constitute verification or validation of debt. FCRA states there must be a tangible contract provided to me upon my request that bears my signature, showing that I am responsible for the account. Without that, there is no contract, no valid claim. If validation can not be established, I respectfully request XXXX  remove to remove the account inaccurate, derogatory reporting from the credit bureaus and cease any efforts to re-report the debt through illegal practices in the future. The document you sent me is not bill, do not have my signature on it.

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 2019-05-21 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: CA

Complaint narrative:
For XXXX. When I try to request it online. Its says " a condition exists. '' For equifax it will not give it to me online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On approximately XX/XX/19, I took advantage of an offer from my credit card company, Bank of America, for a 0 % interest cash advance promotion, with a 5 % fee the amount of the promotional cash advance. This promotion stated that I could use the promotional check to transfer a balance or deposit any amount up to my credit limit into my personal checking account. Nowhere did the offer state that making the check out to myself would result in foregoing the promotional offer. I wrote a check out for {$19000.00} to myself and the check was deposited on or around XX/XX/19, thinking that I had initiated a cash advance under the terms of the promotion. 

On the most recent billing statement ending XX/XX/2019, I noticed a substantial interest charge of {$290.00}. I thought this was a mistake, so I called the customer service number for Bank of America and spoke to a representative. She informed me that, according to her three supervisors, because I had made the check out to myself, I was not taking advantage of the promotional offer. In fact, I was told that if I had made the check out to my wife, and deposited it into the very same account, that I would have received the promotional offer. Furthermore, I was told that if I had called them to initiate the cash advance over the phone, I would have received the promotional offer. I informed them that I had used some form of this promotional cash advance from Bank of America for over 10 years and never had this problem, even when writing the check out to myself, and that if I had known that writing the check to myself would result in not receiving the promotional offer, I would not have used the promotional check. I was told that the terms and conditions of my cardholder agreement makes writing a promotional check to myself outside of any promotional offer, despite the fact that the offer explicitly states that I could deposit the promotional cash advance into my personal checking account, and that I had no recourse. 

I am frustrated by this deceptive practice and the inherent unfairness of this promotional offer, which states that the check could be deposited into my personal checking account, yet if I make the check to myself, that it can not receive the promotional offer. Due to this deception, I have had fees of {$760.00}, and current interest of {$360.00} billed to me. I offered to pay off the original amount if they refunded this money, but they refused. 

Please help end this deceptive practice, and help rectify this situation.

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 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Spoke with XXXX and she will not release the hold on my check what so ever and the deposited check has cleared the other bank {$500.00} deposited XX/XX/19 cleared XX/XX/19 And they declined to release the hold, claimed their had been a stop payment placed on it and there has not. It has been with drawn and cleared from XXXX XXXX XXXX XXXX and paid by XXXX XXXX XXXX XXXX. 
They refuse to release hold ... the claim the check again had a stop pay and it did not they claim the check was not paid and it was. They refuse to release the hold on MY MONEY violating Reg CC

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 2019-05-21 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: AL

Complaint narrative:
In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and Trans Union to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX Account # XXXX Balance {$560.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$17.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Balance {$74.00} Opened XX/XX/XXXX XXXX XXXX XXXX  Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX   Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$210.00} Opened XX/XX/XXXX XXXX XXXX  XXXX Account # XXXX Balance {$1200.00} Opened XX/XX/XXXX There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX 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 explanation