vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX started reporting my escrow account as {$10000.00} in arrears and as a result reported this as late payments on my mortgage to all 3 credit bureaus, because I refused to repay this bogus charge to my escrow account. I spent two years trying to resolve this with XXXX XXXX XXXX with no success. In XXXX XXXX XXXX XXXX transferred the servicing of my Mortgage loan to Select Portfolio Servicing who carried forward this gross error. In XXXX of XXXX I hired a lawyer to represent me in this matter. In XX/XX/XXXX, XXXX XXXX XXXX, Select Portfolio Servicing and I came to an agreement to " resolved this matter '', which I am submitting as supporting documentation. It is important to note XXXX XXXX XXXX has removed this derogatory information. All mortgage payments covering XX/XX/XXXX thru XX/XX/XXXX being reported by Select Portfolio Servicing are not valid and should be removed from my credit report. The result of this reporting has caused serious harm to my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to XXXX, XXXX, Transunion credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  and others. I have not lived at the address associated with these accounts and I have documentation to prove this.

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 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to XXXX, Equifax, XXXX  credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX and others. I have not lived at the address associated with these accounts and I have documentation to prove this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good afternoon. I have disputed several Medical collections on my credit report and each and every time the information comes back as verified. For starters, I should not have any unresolved medical bills. Furthermore, how are the Credit Bureaus verifying the information? HIPAA laws restrict certain parts of my medical files. My personal medical information can not be released to the Collection Agency without my consent and I dont recall signing an agreement with the Collection Agency. Its it the Credit Bureaus responsibility to verify information before inserting it in my Credit Report. I want this unverified, incorrect information removed immediately for all ( 3 ) Bureaus. The accounts have been highlighted.

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 2018-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX, XXXX XXXX XXXX XXXX, sent me a delinquency letter at my INTERNSHIP address. It was addresses to me but once I opened the latter it was in regards to ANOTHER woman with a complete different name. It is tax obligation from XXXX and XXXX, years in which I was only a CHILD. 

Primary TIN XXXX tAX pERIOD : XXXX tAX aSSESSED XXXX iNTEREST : XXXX pENALTY XXXX Primary TIN XXXX Tax Period XXXX Tax Assessed : XXXX Interest : XXXX Penalty : XXXX I do not know the person and i have NO debt and GREAT credit. Today XX/XX/XXXX, I got a SECOND delinquency letter at my internship in regards to a DIFFERENT person this time by the name of XXXX XXXX XXXX. Why am I getting so many delinquency letters at my internship its so embarrassing and theyre not even for me! Ive been given a warning because im receiving all these letters from XXXX XXXX XXXX. Is this even legal? Ive tried calling them and they say if I dont know the person than disregard the letter but they keep sending me them. HELP please.

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 2018-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I had a car loan with their firm. The car was totaled in an accident and the insurance company contacted Westlake Financial for a pay off. The received payment and I signed the car over to the insurance company. Several weeks later I received a bill from Westlake Financial stating I owed a balance. I was not certain how this was possible as they are the ones who gave the pay off amount, and if there were additional funds they should let the insurer know. They kept sending me a bill, charged late fees, kept calling to collect. Even after my repeated requests to send documentation explaining why I would owe and not the insurer they failed to do so and continued with the calls. They ultimately listed it as a charge off on my credit. I received a call from them occasionally, and stated my same request, to no avail. For some reason the past two weeks they have been calling me non stop, 7 days a week, all hours of the day and evening. I have gotten in excess of 10 calls a day. Sometimes when I do answer they hang up. Other times when I do answer I explain to them I would like written documentation of the debt, and also all communications to be in writing. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE LENDERS OF AMERICA
State: WI

Complaint narrative:
In XXXX of XXXX I was reaching how to purchase a home with a lower credit score. Mortgage Lenders of America reached out to me spoke with a lady named XXXX XXXX. I gave her consent to review my credit and see what I had to do to get a home loan. She reviewed all my information and told me with my current income and what was on my report I would be able to get a home loan for roughly {$130000.00} after I did some repairs and cleaned up my credit a little bit. She referred me to a Law Firm who they are partnered with that will help me through this process. I spoke with the XXXX XXXX XXXX and was advised it would cost me {$1400.00} to get my credit where it needed to be. The goal was a XXXX-credit sore to qualify for the FHA loan. I spent many months working on getting my credit where it needed to be following all the direction given by the Lawyer and paid the balance to them in full. On XX/XX/XXXX I received an email from XXXX XXXX giving me the good news of a preapproval of {$80000.00}. I felt so relieved that I did it I was able to boost my credit up and finally get the stratification of buying my own home. While searching for a home I was then notified by the realtor agent I was working with that I did not qualify and need to touch base with the lender. When I reached out it was now XXXX XXXX I was working with because XXXX XXXX no longer works there. 
XXXX reply to me was Again, I apologize which is why I am glad I reviewed the file again before you went under contract. Yes FHA requires that we use 1 % as the payment even though you are paying significantly less. If your credit score was higher at least a XXXX you could do a conventional loan. Those guidelines are different and will allow us to count the payment that reports on your credit report. The best and most immediate option would be to build your credit, so you can go conventional. It will also require a 5 % down payment. 
After this was stated to me I was very upset because of the mislead information and straight out lying to me to believe something they could never provide to me since day one. When initially XXXX XXXX pulled my credit, she would have seen that I had a student loan. I should have never been told I could qualify for something and tell me to reach a credit score, once I did what was asked they approved me then turned around and pretty much told me oh Im sorry we screwed up my bad. This is unacceptable for a business to conduct business like this. I reached out to XXXX explain this frustration and asked to speak with a supervisor to address my concern of how un professional this whole process was. I have not received an email or any notification from them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had opened a XXXX XXXX checking account I then applied for a XXXX XXXX American express platinum card and I was approved so after a few days XXXX XXXX notified me they closed my account. because I didn't meet their guidelines ( its because i have a medical collection account that isn't mine ) but anyways a few weeks later American express notified me if I didn't open an account they would close my American express card on XX/XX/XXXX ( see attach letter ) I understand I used the card, but to charge me the yearly fee of {$550.00} for a card I only had for a few months is ridiculous especially beacuse american express is forcing me to close the account I feel like American Express is Robbing me charging me the yearly fee and then taking away the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: NV

Complaint narrative:
XXXX XXXX HAS PUT A BAD DEBT IN THE ABOUT OF {$680.00} AND HAS SOLD IT 3 TIMES SINCE IT BEEN DELETED OFF MY CREDIT REPORT. IT HAS DROP MY CREDIT SCORE DOWN 150 POINT. I'M OVER FRUSTRATED WITH THIS COMPANY. SOMEONE GOT CABLE IN MY NAME WHERE I NEVER LIVED AT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ceannate
State: MI

Complaint narrative:
Made a payment of {$250.00} for the month this morning logged out with 1 confirmation number. That is 1 confirmation number. 

This evening get emailed that 2 payments of {$250.00} are coming out with 2 confirmation numbers. 

I have 1. 

I call they are taking {$500.00} out of my checking and my bank will do nothing to stop it either. 

When I said well it has not even started to clear yet cancel one of them oh we cant. Well I never NEVER authorized it so how can you even run it. 

They are taking {$250.00} and then another {$250.00}. I just had to put off paying other bills I was gon na pay until I am paid again in a few weeks over this now ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have had an account with XXXX ' XXXX  for over a year. I have always paid my monthly account on time. XX/XX/2018, I paid my monthly account of {$120.00} as I always do. I began getting daily, harassing calls from them -constantly, saying that I owe more $ on my account. That by XX/XX/2018, I would have to pay {$200.00}! I asked why and they could not explain to me. I called them several times and asked to send me copies of the last few months of my payments so that I could see what was going on. I felt very suspicious of some " hidden fees '' they were charging me, because it didn't make sense. This account I have with them is 0 interest for 5 years. So as I looked over the statements, there is a column where there are " fees '' charged to the account, for what? I still do not know? I want to know why for 13 months I had been paying {$120.00} on my account, and why it jumped to {$160.00}. for XXXX and to {$200.00} for XX/XX/2018? What are these " fees '' and why wasn't I told about them, instead of being harassed with threatening phone calls?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX, XXXX is attempting to collect an incorrect debt amount by XXXX  and XXXX. The agency bought a debt from Citizens Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/2018 my purse was stolen and someone used my NetSpend card and I didn't give them authorization to use my card I contact NetSpend and filed a dispute and explain the situation and my card being stolen NetSpend have not tryd to give me my money back and it's not fair I'm a single mother of XXXX lil girl which XXXX is XXXX and I need my card I filed a dispute for {$580.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another transaction for {$62.00} was ATM withdraw at XXXX XXXX XXXX XXXX I didn't give anyone authorization to use my card I called NetSpend they is stating there is nothing they can do about it please help me

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 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
On XXXX a was given an option to settle the account off by XX/XX/2018 in the amount of XXXX by agency who collects the money for XXXX  XXXX ( XXXX XXXX ) so I paid the settlement before the set date on XX/XX/2018 in the amount specified. I have Proof of the option to settle by them I have proof that I pay them, and I have an email from XXXX XXXX that I have a XXXX balance. Now their still reporting to the credit bureau that I have an open balance of XXXX when it should say that the balance was settled in full and have a XXXX balance. I have all document that proof everything I stated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
For the last 2 years I worked with my mother, XXXX XXXX XXXX to move all of her assets into her trust. We were able to accomplish this task mostly without pain except for her US Bank accounts. 
Even though we went together several times, bringing all the required ID and documents, we could only get 1/2 of her accounts into the trust and that was only after her trust attorney intervened, called the bank and gave me an affidavit. 
My mother died on XX/XX/2018. I am her executor and trustee. I was able to get checks for the CDs that were in her trust, however I am getting the run around again for 2 IRA CDs which they claim they can only access through their IRA dept. Again, I gave them the documentation including the death certificate, the will naming me as executor and the trust naming me as the trustee. I was at the bank on XX/XX/18 and was told I would hear something the next day. I didn't get a call on XXXX., so I called for an update. I didn't get a call back but rather a vaguely worded email stating that since the bank that issued the original CDs was an acquisition they would need to get the 'green light ' to disclose the beneficiary information to the banker. I responded asking for an ETA but never heard back. 
If the CDs have a beneficiary, I need to know that so 1 ) we know whether we need to go to probate court because we'll be over the limit if there is no named beneficiary and 2 ) I can tell whoever is the beneficiary to collect and cash in the CD in order to execute the will. 
I will be leaving town for a month beginning XXXX XXXX and would like to resolve this issue before I leave. 
The people I was dealing with at the XXXX IL branch of the US Bank are XXXX XXXX ( XXXX branch manager ) and XXXX from the XXXX Bank. 

Thank you. 
XXXX XXXX XXXX TTEE for XXXX XXXX XXXX Trust

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 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I GOT A CALL SAYING I OWED XXXX BY A DEBT COLLECT EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I am requesting that the following account be verified or removed immediately. 

UNKNOWN US BKPT CT AR LITTLE R Date Filed XX/XX/2016 Type Bankruptcy chapter XXXX-discharged Reference XXXX Plaintiff

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 2018-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I am requesting that the following account be verified or removed immediately. 

Federal District Date Filed XX/XX/2016 Type Bankruptcy chapter XXXX-discharged Reference XXXX Plaintiff

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 2018-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I have no knowledge of the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
THIS COMPANY HAS CONTACTED ME IN REGARDS TO XXXX I DO NOT OWE XXXX AND THEY HAVE BEEN HARASSING ME AND HAVE REPORTED TO CREDIT BUREAU TO MESS UP MY CREDIT WAYPOINT RESOURCE GR XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation