vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 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: MI

Complaint narrative:
I've asked Experian to remove the XXXX XXXX XXXX account for XXXX it shows a balance of {$6700.00} the account was opened fraudulently back in 2008 well past the time frame that an account can stay on my credit report so why is it still being reported in addition to that you say it's been verified accurate but you have not provided any proof to me what proof do you have? I want to see it just saying it's accurate doesn't make it so There are also two XXXX XXXX XXXX one is showing a balance of {$6600.00} the other one is showing a balance of {$2400.00} again these accounts were opened fraudulently why are they still showing up and I've asked you to show me some proof or remove them and so far Experian just keeps reporting them but you haven't shown any proof if they belong on my credit report what information are you using because these accounts were opened fraudulently these three accounts have been removed from all the other major credit bureaus yours is the only one that these are listed on tell me what I need to do to have them removed I'm not trying to be rude but I'm going to keep fighting you until you fix 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 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed a charge that I was not familiar with so I immediately call bluebird American Express at XXXX. A male IVR picked up and said they are expecting higher than normal call volume or they can not answer right now, and it disconnects after 5 seconds. I thought that was very strange and unacceptable. So once I got off from work, I kept calling and a woman IVR picks up also and NEVER EVER gives me the option to speak with a live representative. Between XXXX and XXXX I made six call attempts until I gave up and said Ill just call back tomorrow. My last call was this morning, XX/XX/XXXX : same result. 

I have made over 25 phone call attempts in 7 days. I have even dialed the international number to no avail, and reached out to Bluebird Amex on XXXX, and they advised me to call the same non-working number XXXX. My phone number was provided through our XXXX exchange, and I told the person on the other side of the screen what was going on, yet no one contacted me to resolve anything.. 

That is unacceptable. If a business is holding my funds or if I am their client, I should be able to reach them anytime during operation hours!!!! Especially if I suspect fraudulent activity!!!! I have never had any issues with Bluebird and I love them, but this first-time problem is major, and intolerable! 

I also think it is ridiculous that I can not email, live chat or reach someone alternatively -- only through an XXXX number or through XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: MI

Complaint narrative:
National Enterprise Systems has repeatedly called me from a blocked number. I have answered and informed them they are violating federal law by calling from a blocked number and to call me from an unblocked number if they wish to speak with me. They have continued to call me from a number showing up as XXXX  on my phone. They have also called me repeatedly throughout the day to the point in which some may describe as excessive.

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 2019-02-27 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: NY

Complaint narrative:
Back in XX/XX/2019 Experian received a certified mail ( XXXX ) from me with a letter requesting an investigation for few violations in my credit report ... 
In XX/XX/2019 EXPERIAN reply to me with the same violations and as proof I am attaching and indicating violations in their owm report with pictures ... 
_____________________________ XXXX XXXX XXXXwith a monthly payment in a charge-off collection.. Violation # 1..

_____________________________ XXXX with past due balance in a collection account.. Violation # 2 ...

______________________________ XXXX XXXX XXXX. With Past due Balancr in a collection account ... Violation # 3 ... 
______________________________ XXXX XXXX with a Past Due balance in a collection account ... Violation # 4.. 
______________________________ In this complaint I am attaching your own report with the violations in a circle and as you can see the report show " before '' and " after '' investigation where EXPERIAN keep reporting violations of the federal law and must be remove this accounts from my report inmediatly ...

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 2019-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: ND

Complaint narrative:
I sent a payment in on my federal Perkins loan to the schools service provider, Heartland ECSI in XXXX PA. They have not gotten it yet and my payment was sent in XX/XX/19. Payment is due XX/XX/19. I don't want default. 

Their customer service woman I " live chatted with '' this morning was rude as heck. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I have a USDA loan, I have a financial hardship my son totaled my car, I worked XXXX XXXX. Lost my cleaning  accounts due to no transportation. I live in a rural area with no public transportation. Single mom of XXXX kids who father passed the way. My son totaled my car it became very difficult to pay my bills.started getting behind on my mortgage. Called Rushmore my lender explained my Hardship. They said to complete a borrowers assistance package, I did many, many times they kept saying they were missing a paper the same paper I mailed and emailed more than 15 times. They kept playing the never received paper game with me, kept switching single point of contact and I had to provide all forms again for nothing. Rushmore never once tried to help. By law they need to provide me with 3 modification before putting in foreclosure because my mortgage is insured by the government. Did not receive no type of help or modification instead Rushmore filed a mortgage lawsuit against me. In XXXX county Florida. Were acting in bad Faith and completely negligent servicing my loan. They just want to keep adding late fees and put me out the house because it has went up on price. I don't know what to do. Rushmore know they were negligent and acting in bad faith. I lost money with 2 law offices that were supposed to help never did nothing like Rushmore kept playing with me and took my money.

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 2019-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Recieved email from " Wells Fargo '' asking me to verify information on my account. I have no wells fargo account. never have. See below Wells Fargo Online XXXX We discovered multiple failed attempted login on your account on Mon. XX/XX/2019 at XXXX. Hence, we temporarily locked your password. 


Click here to verify your information now to avoid account suspension. 


Our apologies for the inconvenience. This is a big deal to us too, and we will do what we can to help you. 


Wells Fargo 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 2019-02-27 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Recently in wrote you and asked that you remove a delinquent account status and you replied that it is not reporting delinquent and that is far from the truth. I have enclosed proof of said account and ask that you correct the information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: PR

Complaint narrative:
I did have a mortgage with XXXX for 28 years. Due to economical problems ( lossing my job ), I went through 4 Loss Mitigation process. At the end, the bank sold the account to a collection agency ( Franklyn Credit ). 
Again, I went through another Loss Mitigation process. I passed the probation process and now, I'm suppose to sign a new contract.

My worry is that the principal balance is {$62000.00} and I do recognize the debt.The problem is that they want me to sign a contract that add the amount of {$26000.00} ( for interest and late charges that were charge by XXXX, third lender ).

Is not fair to paid " interest over an interest '', or the struggling law for mortgages accept that action for good.In that case, does the collection agency has the right over those interest owe to the previous lender? Since the transaction was for the PRINCIPAL balance.

Franklyn Credit pretend charging me the total amount of {$88000.00}, more than the market value of the house. Do I have any rights? Do I have to pay the mortgage again for 30 years more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Was charged on XX/XX/XXXX for an item I never ordered, initiated, or authorized in anyway for {$680.00} for visa card with Bank of America # ( XXXX XXXX XXXX XXXX ). The item ( phone in a 1lb. USPS envelope which allegedly was to arrive XX/XX/XXXX @ XXXX XXXX ) I was home that day never seen or accepted any package of sort. I called the Credit Card Company ( Bank of America Fraud Claim Dept. ) and received a letter XX/XX/XXXX saying " ... we consider your dispute resolved and no additional action on your part is required at this time ''. On XX/XX/XXXX I received another letter from BOA Fraud Claims Dept. stating that my address was verified and therefor I am responsible for the amount. Since, I made a police report ( # XXXX ) XXXX PD officer # XXXX, a postal inspector investigation case # XXXX and XXXX XXXX Identity/ Fraud Protection Security Freeze , Alert Investigation # XXXX. I have given all this information to Bank of America Fraud Dept. numerous times via fax, verbal contact, etc. but they are still giving me statement due amount ( s ) including the {$680.00} charge.

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 2019-02-27 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
At first I received a letter from LVNV funding about an alleged credit card debt with XXXX XXXX. I sent LVNV a debt validation letter and they never validated the debt. Then I get a letter from Resurgent Capital Services collecting on a debt for LVNV and also XXXX XXXX credit card. I sent Resurgent Capital Services a debt validation letter and all they sent me was an " home made '' account summary stating I owe LVNV funding and XXXX XXXX. I also sent a dispute letter to the credit bureau and they were of no assistance. How can a debt collection agency collect on behalf of another collection agency? I can't ALLEGEDLY OWE 3 COMPANIES : Resurgent Capital Services, LVNV funding and also XXXX XXXX for ONE debt!!!! I also sent the CEO of XXXX XXXX an email and have yet received a response. I want this removed from all of my credit reports. This is an illegal act!!!! No one has shown any proof that I have business contract set up with them to put this derogatory tradeline on my credit report!!!! This is ILLEGAL!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: NY

Complaint narrative:
I have filed 11 disputes over my child support with Experian and they say I am in collections. I got results on XX/XX/XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX all of the disputes filed and they will not fix my credit report. I have sent them proof of payment from XXXX county child support and new York state child support and social security.

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 2019-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I accessed my Equifax Credit Report and see that the information regarding my credit worthiness is wrong. On my Equifax Credit Report it does not show my current personal information and does not show the current credit card accounts that I have showing my excellent credit score of XXXX like it shows on XXXX  and XXXX XXXX. I feel this discrepency is affecting my ability to get better offers for credit cards or loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally bank advertised a Payback time promotion. The promotion stated -open an account by XX/XX/XXXX, fund it by XX/XX/XXXX, leave the money in that account until XX/XX/XXXX and receive a 1 % bonus up to {$1000.00} on XX/XX/XXXX. I followed all the steps and time frames- received an email stating that I was enrolled in the promotion. I just noticed that I did not receive a 1 % bonus into my account when I checked on XX/XX/XXXX. I called and spoke to a CSR and she told me that a " personal trust '' vesting is not allowed. No where in the paperwork or in the fine print did it ever state this. The complaint was escalated to a supervisor, XXXX, who told me she would escalate to upper management and some one get back to me. I told her I would file a complaint with the CFPB if this oversight has not been fixed. As of today, my account has not been credited with the 1 % promotion.

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 2019-02-27 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: Conn's, Inc.
State: TX

Complaint narrative:
CONNS REPORTED NEG MARKS AND LATE PAYMENT ON MY ACCOUNT FOR THE MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I MADED MY FINAL PAYMENT IN XX/XX/2018 AND CONNS REPORTED THAT I WAS MAKING PAYING ALL THE WAY THROUGH XX/XX/2018 AND I HAVE NOT MADE ANY PAYMENT SINCE XX/XX/2018. I HAVE CALLED THEM AND REQUEST PAYMENT HISTROY AND THEY STILL HAVE NOT SENT IT TO ME. MY PAYMENT WAS XXXX MTHLY AND THEY ARE SHOWING OPEN BALANCE OF {$92.00} BUT REPORTING $ XXXX ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
Today, I received a notification that I had a {$220.00} collection added to my account for an XXXX XXXX XXXX bill, and that a new name had been added to my credit report. When I looked, it was from Franklin Collection Services under my brother 's name, even though it is on my report.

I never received notification or anything concerning this account previously required by 15 USC 1692 809 ( a ) neither in my name nor in his name, yet it has ended up on my credit report. The only communication that has occurred was the notification from XXXX  and XXXX  telling me that I had a new collection on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ashton & Weinberg, Inc.
State: MA

Complaint narrative:
XXXX XXXX called from Ashton & Weinberg claiming they were attorneys and collecting on behalf of XXXX XXXX in XXXX. MA. Although I was polite and professional and explained as I did to XXXX XXXX that we were going through a difficult time and had all intentions to pay The {$1000.00} dollars that couldn't at this time. XXXX then went on to call me scumb bag and low life when I told him I was uncomfortable giving him my debt card number. I told him I didn't appreciate his attitude he continued to call me scumb bag I told him I would be calling XXXX XXXX and that I couldn't believe that they would hire a firm like his. He said go ahead call them and I will see you in court. I have recordings of Voice mail threatening legal action and further unprofessional demeanor and harassment from him. Three week ago my business account and personal checking account were hacked and cleaned out the case is being investigated by XXXX XXXX Fraud Department. New accounts have been issued and we are very careful of giving account info out over the phone at this time. The issue with regard to amount owed will be dealt with XXXX XXXX directly and we will not communicate with this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have disputed these accounts through US mail, E-mails- Credit Agencies and etc. I have reached out dozens of time sand still get the same response. These are not m, y accounts. I did not open or apply for any of these accounts. The address that opened these accounts is a different apartment number. This was fraud and I have had everything from cell phones to credit cards opened without my knowledge I have sent copies of my identity theft report and my complaint and still nothing. 
Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is an FCRA violation also open to damages collected from you by me. 

I expect to receive the proof requested above, within 10 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

If you have true and accurate proof of this alleged debt, you may send it to me by mail in the form of complete and accurate billing, and payment and account history as allowed to be under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: FL

Complaint narrative:
Hello, Several inquiries have appeared on my report. I have disputed them directly with Equifax. I opened a dispute here about this. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 I want to attach the documents I received from the companies showing that they contacted equifax. I took those documents and faxed/mailed them to equifax. Yet equifax refuses to accept them. 

I feel stuck in between, being told one thing from equifax and another from the companies. I have made hundreds of calls to equifax. Nothing is being resolved. 


Please see attached

Company response to consumer: Closed with explanation