vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-11 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: MO

Complaint narrative:
My ex husband and I opened a mortgage with XXXX XXXX on XX/XX/XXXX. In accordance of the divorce decree my ex husband refinanced the mortgage with XXXX XXXX on XX/XX/XXXX. XXXX XXXX  kept the same account number but removed my name. XXXX XXXX  reported to XXXX  and XXXX  who reported appropriately the account was paid off and closed. Experian   however has continued to report my ex husband 's mortgage on my report. When I wanted to dispute this with Experian  I had to pay for their credit monitoring service prior to being able to dispute.The dispute was filed XX/XX/XXXX. The dispute came back on XX/XX/XXXX with report number XXXX that the account had been updated or removed. When I viewed the report it said terminated. The responsibility for the account had been terminated due to Experian not receiving a response from XXXX XXXX. Now the account reports as terminated when lenders pull my FICO 2 report. It does not report my responsibility for the account was terminated. On experian  my report through them shows account PAID, closed on the accounts on my report summary page. When you click on the account it says responsibility terminated account closed. The account still reports payments from XX/XX/XXXX to XX/XX/XXXX. This includes 17 late  payments on the account. To add insult to injury the 17 late payments occurred seven to eight years after my name was removed from this account with the most recent late payment being XX/XX/XXXX. This is dragging my credit down significantly according the lender I am working with to try to buy a house. I opened another dispute with Experian on XX/XX/XXXX. I can't get ahold of a person at XXXX XXXX  to talk to them. The only thing I can do is make an automated payment when I call customer service for XXXX XXXX. When I call Experian customer service all they say is I have to file a dispute and the dispute center has to process it. Customer service for Experian is not able to remove any item correct or not correct. Now the second dispute says, " This item was updated from our processing of your dispute in XX/XX/XXXX. '' The dispute center says it is under dispute until XX/XX/XXXX. I want the credit report to be correct. This mortgage was closed XX/XX/XXXX and paid in full with no late payments on the 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 2020-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Nevada XXXX XXXX XXXX the dates I attended the college was XX/XX/XXXX until XX/XX/XXXX I received my XXXX XXXX of Applied XXXX on XXXX XXXX XXXX filled for bankruptcy I continued to educate my self I then entered and secondary program wich was the business program from XXXX XXXX until XXXX XXXX there was no eddtional degree sent to my self on my transcripts it stated and XXXX XXXX of Applied XXXX in XXXX wich I never received.However I was over charged for the XXXX program the cost was additional XXXX I was charged XXXX for the program the business program was and total of XXXX I was charge XXXX instead. this has casused me to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: MA

Complaint narrative:
Capital One is claiming they no longer have a audio tape of when I cancel the card and took my ex off as an authorized using. So they say there is no proof. They had this audio in XXXX of XXXX, now they conveniently don't anymore. They never cancelled the card and continue to let my ex make charges on the card from XXXX to XXXX. In XXXX, when I called again. They cancelled the card, but allowed my ex to reopen the card with my credentials ( identify theft ). They have acknowledged that. I am at my wit 's end. I do not owe this money as the credit card company allowed this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: MD

Complaint narrative:
I am concerned that either New York State XXXX is falsely Billing individuals ; or that someone is pretending to be them ; attempting to get people to pay them money. 

On XX/XX/XXXX, I received a letter, ( dated XX/XX/XXXX ) from Linebarger Goggan Blain & Sampson, LLP indicating that I owed {$100.00} to the New York State Thruway Authority.

I called The office on the letter ; and the was told that this was for a New York State License Plate for using an XXXX XXXX on XX/XX/XXXX. 

The License Plate on this letter is not my car ; I haven't had a New York State License Plate in over 5 years ; and I ( and the only registered cars that I own ) were not in New York State on the days that the charges happened XX/XX/XXXX ; or XX/XX/XXXX. 

On XX/XX/XXXX, I called the phone number on the letter ( XXXX ) and spoke with a man. I explained the situation to him ; and he indicated to reply in writing, which I did. 

In my letter, I explained 1- That plate number is not my plate number 2- I do not have a New York State Plate 3- Since XXXX, I have always had XXXX XXXX on my car ; so even if it was my car, it should have registered to the XXXX 4- Neither I ; nor the cars that I do own were in New York State at the time the toll  was used. 

On XX/XX/XXXX, I got another letter in the mail from Linebarger Goggan Blair & Sampson indicating, " Per NYSTA -- -If Customer Submits XXXX Statement that includes transactions for tolls for XX/XX/XXXX, XX/XX/XXXX, We will forward it to NYSTA  for further research, otherwise violation is due. '' Considering this was not my car, I would not have an XXXX XXXX for it. Whoever received my letter clearly either did not receive it ; nor did they take the time to realize that this was not my car. ( Either that or this is a scam ). 

On XX/XX/XXXX, I called Linebarger Goggan Blair and Sampson LLP back ( XXXX ) and spoke with someone who identified herself as " XXXX ''. I asked why I received this letter ; when I already explained that this is not my car. She explained that she is just a third party agent, and the letter was actually sent out by the New York State Tolls. She looked my information up ; and was able to show me the plate numbers that were present. The Photos are very unclear ; and one Letter is blacked out. She explained that and apparent " E '' may be an " F ''. She indicated that she would report this to XXXX. 

I am reporting this as the system that XXXX XXXX/ Linebarger Goggan Blair & Sampson has is one of 2 things : 1. It is either a scam 2. It is terrible customer service ; which may be leading people to pay bills that are not theirs. ( It is often easier to just pay something to make it go away ... then having to address the same issue several times ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: Collins Asset Group, LLC
State: IL

Complaint narrative:
This account has been disputed at least four times with XXXX, XXXX, and XXXX. I, have never had an account with XXXX XXXX XXXX. The information is unable to be validated, or confirmed, and need to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo unlawfully withdrew {$13000.00} plus a {$120.00} processing fee from my savings account on XX/XX/XXXX for an alleged debt that I had no knowledge of without giving me any type of notice until after the funds had been unlawfully withdrawn. The bank acted on hearsay. I wrote to them and got a response in XX/XX/XXXX they sent me A fake order to withhold that was not signed from a judge XXXX XXXX deputy. Wells Fargo and the company that the alleged debt came from are in violation of the consumer fraud act. I am not their consumer/customer nor do I ever wish to be provided with their services. This is fraud in the highest form!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My Wife and I own a property that has a mortgage originated by XXXX XXXX XXXX. XXXX sold the loan to New Rez who now holds the note and deed of trust. The lien was mistakenly filed against the house twice. First on XX/XX/XXXX and then again on XX/XX/XXXX for the same amount. Just to be clear, we only have one loan with New Rez/XXXX. I am in the process of refinancing this loan with another lender but it requires that New Rez file a reconveyance of the erroneously filed lien in order to clear title. The title company we are working with has contacted New Rez three time ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I have contacted them twice ( XX/XX/XXXX and XX/XX/XXXX ). Each time I ask to speak to a supervisor and am told that no supervisor is available. The first time I was on the phone with them for 19 minutes and 40 seconds, the second time I spent 21 minutes and 31 seconds. The bulk of that time is spent trying to get a supervisor on the phone after briefly explaining the situation, to no avail. The first time I was told that a supervisor would be calling me back the same day and the second time I was told it would take 1 to 2 business days to get a call back ( today is a Saturday ). This is an issue because my rate lock is expiring and even a tenth of a percent change in the mortgage rate will wind up costing me tens of thousands of dollars over the life of the loan. 

New Rez has shown zero interest in resolving the issue and has consistently refused to even allow myself or the title company to speak to a supervisor. I can not and will not pay the mortgage twice which seems to be the only way they will release the lien at this point.

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 2020-01-11 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A hard inquiry from XXXX in XX/XX/2019 which I never applied. 

XXXX claimed it was a XXXX XXXX error. My account never existed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This is in regard to the most recent complaint with the requested fair resolution updated The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting this debt as a charge off and reporting late payments to credit bureaus after they have allegedly sold the debt to a debt collection agency and still trying to collect where no way have I agreed are acknowledged the debt is mine.The company also has a collection service XXXX XXXX XXXX, XXXX which complaint has been filed through the Consumer Financial Protection Bureau ( CFPB ) on are around XX/XX/2020 which letter of validation to the company sent is attached on this complaint has also taken unlawful action by suing me after I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion just charged me {$29.00} ( on XX/XX/2020 ) to see all three of my credit reports at once. I can't believe a scam like that is allowed. It is against federal law ( the Fair Credit Reporting Act ) to charge for a once yearly credit report from all three reporting agencies. TransUnion should not be allowed to charge for access to see XXXX  or XXXX  credit reports. A once yearly credit report is FREE. You should NEVER have to pay for one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
I applied for financial assistance at the XXXX XXXX hospital and I was approved for low income. It included the debt that this collection agency is trying to collect from me. Its obviously a fraudulent charge because it should appear at the XXXX XXXX hospital located in XXXX Georgia that I have low income and as a result I qualify for waiver of my medical bills at XXXX XXXX which are not a lot since my primary doctor is located at XXXX XXXX where I am currently attended for low income medical assistance. This credit collection is trying to collect a debt that doesnt longer exist. And is also threatening or suggesting to report me to the credit bureau which will damage my credit score for which I have worked hard and standing all day to be able to have a fair credit score and qualify for a better job because I had a job in a better field but I lost it due to a previous illness. They also mention are threatening me with legal action by mentioning a judgment. I tried to contact them today but there is no response which thats the tactic this collecting agencies use to just create more stress and waste of time to people who are busy and we dont get to have many days off. See attached letter for debt collection and proof that I am patient of mercy clinic which is low income non profit clinic which XXXX XXXX hospital took into consideration to approve my medical request for fee waiver.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I opened the account and set up automatic payments at the time of transfer. However, I just found out that there was a missed payment somehow and when I tried to access my online account their system was saying that they were having a technical difficulty and to try again. I tried again 5 times. Then I called to make the payment manually and the guy on the phone disregarded my caution that their online system isnt working and followed through with the payment. I then put my account on auto pay with him over the phone like I did the first time I signed up for the card. I still have no access to online account and it is on some weird loop that never lets me into the actual account. The small balance overdue of XXXX has been paid. I also discussed that I never got a call or email regarding the missing payment method and there wasnt much said about that either. Not sure how this happened but would like to get it squared away so that I do not have a missed payment on 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 2020-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America has falsely reported a credit line of extension. 
The Bank has sold the alleged debt to a collections agency XXXX XXXX XXXX as of XX/XX/XXXX The Bank has not provided any documents-emails, calls, letters from any branch in the amount of the debt {$10000.00} ( approximate ). 
The Bank has attempted to open a law suit on the alleged debt through XXXX without notification of the sale of this debt notice of sale XXXX XXXX XXXX has furthermore not provided any communication on the any collections actions Under 15 USC 1692 ( e ) ( 8 )  request BOA to be investigated for intentional non compliance and knowledge that its agents have violated FDCP statutes in XXXX and XXXX XXXX XXXX ( affirmative false representations and omissions of material facts to a third party collections agency ). 
XXXX XXXX XXXX regularly collects debts as part of their business activities. 
It has threatened to collect on a charge off that has not been affirmed by the defendant or through the Bank with original signatures of the contract The harassment, illegal actions include vandalism of the property, stalking in XXXX. 
The Bank has from XX/XX/XXXX not responded to any requests for documents or communications. They have not responded to any mails. 

Please also include investigations into transfer of {$770.00} by Bank of America without any notice in the mail or through email or call. 
Thereafter within, 30 days I received notice of private suit on a line of credit for {$10000.00} approximately opened in XXXX by the Bank through a third party collections agency ( XX/XX/XXXX XXXX   XXXX XXXX ) Lawsuit in XXXX is further harassment impacting credit score and ability to obtain employment in XXXX and XXXX XXXX XXXX. The additional burdens of requiring lawyers who have the knowledge and ability to work on contingency has reduced my income and savings to below acceptable. The Bank has in various ways attempted to take private property and my access my 403 B on false grounds through harassment on the checking accounts and by alleging a false line of credit on card through fraudulent actions of bank employees.

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