vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. 

ACCOUNTS XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX   XXXX {$1100.00} not mine XXXX  XXXX {$270.00} not mine XXXX XXXX XXXX XXXX {$360.00} not mine

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 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I wrote Enhanced Recovery telling them to prove that this account belongs to me. I ask for proof. Something with my signature on it etc. Enhanced Recovery sent me a phone bill with the name XXXX XXXX on it. THIS IS NOT PROOF. I want something with my signature on it. If they can't provide this to me, I WANT THIS REMOVED off my credit reports asap. I'm giving them 32 days to remove this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: PA

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 & XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX   XXXX not mine XXXX XXXX  XXXX {$270.00} not mine XXXX XXXX XXXX   XXXX {$360.00} not mine XXXX XXXX {$330.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I call commonwealth financial to talk about why I had a collection. I did not receive A itemized list for what they say services I owe. I did not receive treatment from this facility. They do not have proof or a signature stating these service were indeed rendered to me. I disputed with them before and have yet received proof. They have not validated or verified that it is my debt. They hung the phone up in my face while I was trying to resolve the issue in a respectful manner. It should be on a recorded line. This would be considered verbal and communication abuse. I am asking that the be held responsible for there wrong doing and the collection be removed from my credit report asap. Please have them send me all bills, itemized list, my signature, any documents that may verify or validate this debt. If they do not have these all items they must be deleted from the credit report he also lied about what hospital it was from he said XXXX once I told I had not been to XXXX hospital he then said thats not what he said. I also would like a copy of their license to collect in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
Repeated phone calls but no answer when pick up phone..most recent call XX/XX/2019 at 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 2019-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing a complaint against Transworld Systems Inc. ( TSI ) for violation of State and Federal debt collecting laws. TSI, a third-party debt collector that is collecting an alleged credit card debt on behalf of XXXX. TSI is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and the State of Texas Debt Collection laws under Title 5. Chapter 392. Specifically, FDCPA 15 U.S.C. 1692c 805. Communication in connection with debt collection and 806. Harassment or abuse, and Texas Finance Code Sec. 392.302.for using the telephone to harass me, and failing to abide by a cease and deist communication order. Additionally, TSI does not have a surety bond and has not filed a copy of the bond with the Office of the Secretary of State in the State of Texas and is in violation of State law by engaging in debt collection in Texas. 
Note, in XX/XX/XXXX, I notified TSI in writing to cease and desist any communication with me, as well as my family and friends, in relation to the alleged debts owed. I advised that I did not want to be harassed repeatedly using the phone to annoy me by calling my home multiple times per day. The phone calls ceased altogether shortly thereafter. For some unknown reason, on XX/XX/XXXX, TSI resumed its harassing phone calls to my home, leaving voicemail messages with my personal information. The calls are originating from different local phone numbers with the prefix of ( XXXX ) XXXX, and XXXX XXXX XXXX XXXX. I am attaching a screenshot of the voicemail log that I printed out from the XXXX XXXX XXXX ( home phone provider ) which contains a log with the phone numbers, dates, and times of the calls. The voicemail messages which have been preserved, state the following : This is an important message from Transworld Systems Incorporated a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return the call to XXXX XXXX at XXXX XXXX XXXX XXXX. Again, that XXXX XXXX at XXXX XXXX XXXX XXXX. Thank you. Transworld Systems Incorporated is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. When calling please refer to your ID code XXXX. Thank you. ( screenshot of the transcribed voicemail is attached as well ) I have never revoked or withdrew my cease and deist notice. I have also not been in contact with TSI for some time now. Therefore, I am confused about why TSI has resumed contact, especially about this alleged debt that has been disputed multiple times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am trying to apply for receiveables factoring for my small business, XXXX XXXX, with a marketplace called XXXX. Due to the Equifax data breach, I keep all three of my credit reports frozen. XXXX uses Equifax. Despite trying 4 times online starting XX/XX/XXXX and again XX/XX/XXXX, twice on their IVR, and speaking to 2 different call center reps on XX/XX/XXXX - 1 was a supervisor - they claim my credit report is unfrozen but as of XX/XX/XXXX XXXX is unable to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Approximately, a year ago my mother in law pass away, at which time i became the Administrator her of the state. During that time, i recovered a un cash check from synchrony bank/ chevron credit card. At which time, i made several attempts to have a replacement sent out because the check was a year old. However, synchrony bank keep promising to issue me a replacement over a course of 7 months. All legal documents were submitted to synchrony/ chevron credit.

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 2019-06-28 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I sent a complaint in about Navient Student Loan servicer on XX/XX/2019. This was in regards to student loans. Please see complaint # XXXX where Navient stated they would remove the loans off my credit report. However, the loans still appear creating a debt to ratio income factor. 

No to mention the loans are not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kentucky Higher Education Assistance Authority
State: KY

Complaint narrative:
I had two sets of loans : XX/XX/XXXX {$7500.00} and XX/XX/XXXX {$7100.00}. Loans went into default multiple times with multiple payments made along the years. I contacted the original servicer KHESLC/KHEAA and started to pay them all in full as of XX/XX/XXXX. I paid a total of XXXX in payments and one payment of XXXX to pay the loan to settle the debt. So I paid {$14000.00} and had {$2000.00} in interest written off. Making the grand total of the loans {$17000.00}. 
Though out XX/XX/XXXX to XX/XX/XXXX I received a few notices from Dept of Ed saying I owe them money and I would call the number get directed to XXXX where I was constantly reassured I was paying off all of my loans. From XX/XX/XXXX to about XX/XX/XXXX I heard nothing and assumed I was done. In XX/XX/XXXX I started getting calls from a debt collector which I assumed was a scam until my IRS tax return got yanked for the Dept of ED. I called KHEAA of course but now they are saying that I paid that {$17000.00} for the 1 set of loans from XX/XX/XXXX and keep telling me I need to call the debt collector. 
Also in that conversation they stated my interest rate was 6 % and that there was also another {$900.00} dollars paid to this loan for a grand total of {$17000.00}. The math does not add up and I believe they absorbed the 2nd set of loans and have misplaced the documentation. And the 2nd set of loans {$7100.00} literally 11 yrs later not 8 are only at {$10000.00} according to Dept of ED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: PA

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 & XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX not mine/inaccurate XXXX XXXX XXXX {$230.00} not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
After repeatedly sending information regarding ownership of property that was previously owned by my deceased father, Select Portfolio Servicing keeps telling me that I have not sent the required information to determine that my company now owns the residence. I've sent documentation including his death certificate, his will, the LLC documents, and multiple copies of the deed with my company name on it. Every time I call they just keep telling me my case has been referred to an attorney and that they can't talk to me because I haven't given them proof of ownership. Then they took out insurance on the property and billed that to us as well. Every time I send them legal documentation they claim it's " not showing up in the system '' even though I get emails saying that they received the information and even though my name is literally on the mortgage statement that comes every month. I keep getting the run around. It's been 18 years since my dad died and I still can't get them to acknowledge my ( and my brother 's ) ownership of the property. They say they want to set up mortgage payments for us but based on all the complaints about this company and the fact that the mortgage rate is at 9.45 %, which is usary in my opinion, this entire company seems like a fraud. I've let them know that I'd like to talk to someone about settling the debt but they won't talk to me about that. I keep getting the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a complaint in about XXXX XXXX XXXX servicer on XX/XX/2019. This was in regards to student loans. Please see complaint # XXXX where XXXX stated they would remove the loans off my credit report. However, the loans still appear creating a debt to ratio income factor. 

No to mention the loans are not validated.

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 2019-06-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I asked Bank of America to dispute a charge on my credit card. The company I purchased from had obscure return/refund policies that were practically hidden on their website and after I returned the merchandise for a refund, they would not honor it. As of now, they've literally taken down ANY refunds, except for a store credit. 

Bank of America began the dispute XX/XX/2019 and credited my card with the purchase amount and began their investigation. The only research/contacting they did, was with the company who charged me. They never contacted me once to receive any documented evidence, emails, phone calls, etc where the company had told me they would refund my credit card minus a 25 % restocking fee. 

On XX/XX/XXXX, I received a letter that they were unable to pursue my dispute according to the merchant 's refund policy. I called Bank of America 's contact number on the letter and talked with XXXX who encouraged me to go back to the merchant to hopefully recoup the charges. I went back to the merchant who agreed to pay back my card minus the 25 % restocking fees. Now they continue to give me the run around and have no intentions of crediting my card. Bank of America never told me I had the right to reopen the investigation if I still felt I had rights/reason to continue the dispute. In fact after calling Bank of America on XX/XX/XXXX to see what I could do, they then told me I would have had to request reopening the dispute no later than XX/XX/XXXX. No one in the dispute department could explain why their employee on XX/XX/XXXX did not give me that vital information. I have been a Bank of America customer over 30 years and have only filed one dispute in that 30 years other than this one. I feel let down as a consumer and am out over {$800.00} as well as the merchandise which I returned.

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 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Fraudulent information on my consumer report by XXXX   attempted to dispute and was told it was corrected problem became worse. Given several XXXX numbers to call which resulted in the run around with them telling me to call the next number

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 2019-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Paid my target credit card bill on XX/XX/2019. The total was {$40.00} and I paid the entire amount over the phone with a target customer service rep. Its now XX/XX/2019 and target is still claiming i need to pay the bill, plus their interest fees. I spoke with target customer service again and explained that I paid the bill over a month ago via the phone with a target rep, and target is claiming that phone payments sometimes get lost in their " control system. '' ( I have no idea what that means ). I even called target again and did a three way call with my bank. My bank verified to them that the funds were withdrawn from my account and sent to target, and that it posted on my account on XX/XX/2019. Target doesnt care and are simply demanding more money. Total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, XXXX delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

ACCOUNTS XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX never late

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 2019-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ATG Credit, LLC
State: WI

Complaint narrative:
I have informed ATG Credit of XXXX  fraudulence. ATG Credit decided to call me excessively even calling my job and trying to force me to pay them after I have asked them not to contact me because I have communicated to both XXXX & ATG credit of their error. ATG Credit was very disrespectful in stating that I need to take care of this matter instead of listening to or reading the statements mailed to them. They are very aggressive and only care about getting your money at any cost even if it could cost my job with their rude phone calls to my employer. I had to take an early lunch and tell their representative to NEVER call my job again before I seek legal action. 
This debt is the result of XXXX miscommunication within their departments. Also, their negligence in enrollment into their school. And they think it is fair because of their negligence and miscommunication to solicit money from me. I do not have one credit, nor degree, nor textbook, nor bit of education or information other than the fact that XXXX assisted in requesting Financial Aid for me to attend their school, then they stated I was not eligible and then decided I needed to pay out of pocket. If I had the money I would not have needed Finanical Aid, yet they dug this hole and left me in it. They forced me to withdraw from orientation because I could not afford to pay. If XXXX want the {$3600.00} they are requeting then they need to provide me with a partial degree, or education because they have provided me with nothing but falsities on my credit report and rude debt collectors.

My next complaint is that I have tired to dispute this on several occasions with XXXX and you feel this reporting on my credit report is accurate. I would like to know on what grounds, so are just as bad as ATG Credit and XXXX. On what basis did you come up with that information. I then proceeded to contact every XXXX & XXXX number listed only to not be able to contact anyone to rectify this matter. At this point I feel that educational institutions and their debt collection counterparts are a disgrace to consumers as well as XXXX as they all work together to devalue you and not value your rights and take each matter case by case and truly investigate a matter, especially such as this one because XXXX created this issue, it is fraud that they can rip me off like this, I have nothing to show for it but a poor credit score. And ATG Credit is a bully just as XXXX by stating the information is accurate. It is unethical and fraud what they are doing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
Huntington Bank closed my checking account on XX/XX/19 which has a balance of {$2000.00}. I contacted them to see time frame I will receive my remaining funds in account. Huntington reply funds were removed from closed account and no notes on issue check.

Company response to consumer: Closed with explanation