vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX amount owed : XXXX On XXXX XXXX, 2017, I called the above mentioned company in regards to a collection account being reported to the credit agencies. When I called, I got an initial representative by the name of XXXX who requested my full name, social security and my DOB. Iinformed her that I was unsure what the debt was for and that I was extremely leery about providing personal and protected information. This representative told me that if I verified my DOB and last 4 numbers of my soicial security number, she would be able to give me detailed information on the account. I provided her with my DOB and the last 4 digits of my social security number. When I then asked who the original creditor was, she refused to give me the information. She stated that she would need my full mailing address and my full social security number. I then informed her that i would not provide additional information and that per her previous statement, I needed her to tell me who the creditor was. She refused. I then requested to speak to a supervisor. She then transferred to XXXX XXXX, who hung up on me after being on hold for 5 minutes. I called back and requested to talk to him directly. When he got on the phone, explained that i obtained the information from the credit agency and that according to what is being reported this account does not belong to me. He explained that I needed to verify my identity by providing all of my personal information. I then explained to him what XXXX had explained to me, that I had provided information and that she then refused to give me details on the account unless I disclosed more information. XXXX XXXX then said that he was like my banking institution and just like I provide them all of my personal protected information I needed to provide it to him. I told him that he was not my banking institution and that when I call the bank, they only ask for XXXX identifiers. He then said that unless I verified all the information he would not assist me and that when he calls his bank he provides them his name, SSN, DOB, address, phone number. I told him that he was not my banking institution, that I was being reported to the credit agencies erroneously and that he needed to provide me with information about the account before I gave him additional information. He said that he did n't care that he was not the bank and he was not helping and hung up the call. I then attempted to call back and I was transferred again and XXXX XXXX hung up on me again. I then called back and informed the receptionist to informed XXXX XXXX that I would be reporting him to the FTC Consumer Financial Protection Bureau and the the state Attorney General office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: NY

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 demand the following accounts be verified or removed immediately. 

I ASKED BOTH COMPANIESXXXX XXXX AND 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 2017-11-14 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: NY

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 demand the following accounts be verified or removed immediately. 

I ASKED BOTH COMPANIESXXXX XXXX AND 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 2017-11-14 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:
Upon review of my recent credit report I noticed unauthorized activity. I immediately called TransUnion credit reporting agency ( Monday, XXXX XXXX, 2017 ) to be told that my file was being handled by the special fraud department, which by the way was done without my acknowledgement. I was told that it was because of a fraud alert, I never placed a fraud alert on my file. Already suspicious of the unauthorized hard inquiries, and to be told my file is being handled by the fraud department really had me on edge. I proceeded to inform the representative that I had no connection with XXXX XXXX whatsoever, and I in no way authorized them to pull my credit. The representative proceeded to tell me there was nothing he could do, they do not remove hard inquiries. He also refused to investigate the matter. Being in the " special fraud department '' I hoped that they 'd understand my frustrations and simply investigate the matter. I got absolutely nowhere. I hung up with one representative and called back multiple times speaking with multiple representatives begging and pleading for atleast an investigation, no one would listen. I asked what 's the purpose of my file being handled by the special fraud department when fraudulent activity is happening. He could n't answer my question. I said you are looking at the same information I am do you see any XXXX XXXX affiliation, he said no. The FCRA states that the only permissible purpose for pulling someone 's credit is for : 1 ) Firm offer of credit 2 ) Insurance 3 ) Employment 4 ) Court Order non of which applies to me. I requested for to be removed out of that department as it is in no way stopping anything, no changes as of yet. There is also a hard inquiry from TransUnion themselves they are staring is a soft inquiry when it clearly shows as a hard inquiry. I was told it took place when I requested my credit report. I could n't understand when I am entitled to a free credit report yearly and have never gotten a hard inquiry.

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 2017-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Comenity Bank keeps calling me repeatedly related to my credit card debt with them. On Saturday the XX/XX/XXXX, they called me 5 times, in a span of 5 hours. Today, on Monday XX/XX/XXXX they have called me 6 times. When I told them to stop contacting me and harassing me, they proceeded to start calling me from a blocked number. I am also on the Do Not Call Registry and one of the calls was made before XXXX. A woman named XXXX with Comenity bank is one of the agents that has called me several times after I have insisted that they stop harassing me. Below is my log of when I have been called by Comenity Bank most recently : Saturday., XX/XX/XXXX XXXX XXXX from XXXX Saturday.,  XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Saturday., XX/XX/XXXX at XXXX from a blocked number Sunday., XX/XX/XXXX at  XXXX from XXXX Monday., XX/XX/XXXX at XXXX from XXXX Monday., XX/XX/XXXX at XXXX from a blocked number Monday., XX/XX/XXXX at  XXXX from XXXX Monday., XX/XX/XXXX at XXXX from XXXX Monday., XX/XX/XXXX at XXXX from a blocked number Monday., XX/XX/XXXX at  XXXX from a blocked number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX, Tx received a certified letter from me that contained a insurance co. check, XXXX, insurance estimate, & roofer contract for a new roof on my residence. They said they would issue me a check for my roofer. 
On XX/XX/XXXX, I returned a phone call from XXXX XXXX. They said they needed a XXXX & roofer contract. I faxed both on XX/XX/XXXX. 
On XX/XX/XXXX, I called for a progress report. They said they needed a XXXX & roofer contract. I faxed both on XX/XX/XXXX. 
On XX/XX/XXXX, I called for a progress report. They said XXXX XXXX would call. No call as of XX/XX/XXXX. 
On XX/XX/XXXX, I called & asked for a supervisor. They said no. 
No one ever said anything about incorrect information. 
This has been a big stall.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I am the cosigner on three Sallie Mae loans with my son, XXXX XXXX : Sallie Mae Smart Option Loan # XXXX ( current balance {$54000.00} ) Sallie Mae Smart Option Loan # XXXX ( current balance {$53000.00} ) Sallie Mae Smart Option Loan # XXXX ( current balance {$23000.00} ) These loans are currently in forbearance as my son can not make the monthly payments which are {$570.00}, {$630.00} and {$250.00} respectively. While the loans are in forbearance ( which will end XX/XX/XXXX ) I attempted to contact Sallie Mae to work out a payment plan. Sallie Mae refuses to discuss ANY type of payment plan until the loans are in default. Obviously these loans going into default will have a strong negative effect on both mine and XXXX ' credit standing. I have tried to be proactive and attempt to work with Sallie Mae to make payments that are affordable. I can not understand why Sallie Mae refuses to even discuss any type of affordable payment plan until the loans are in default. This makes no sense either for them or for the consumer. Why are they so unwilling to work with a client who genuinely wants to be responsible and get the loans paid and NOT default?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notice from Portfolio Recovery Associates trying to collect on a debt I do not owe. 

I Mailed a letter to Portfolio Recovery Associates on XX/XX/XXXX letting them know I do n't have a debt owed to them. 

I asked them to prove this account was mine. 

I have not heard from them. 

This collection account is not mine. I do not own Portfolio Recovery. I have attached a copy of the letter I received from XXXX XXXX XXXX XXXX which is dated XX/XX/XXXX which has the account number : XXXX I have also included a copy of my old credit report from XXXX which is dated : XX/XX/XXXX which was 7 years and 3 months ago which had Portfolio Recovery listed with the same account number of : # XXXX This account is actually a " Time Barred Debt '' after 4 years. According to the old credit report Portfolio Recovery Associates opened in XX/XX/XXXX and was last reported XX/XX/XXXX. The original Creditor was listed as : XXXX XXXX XXXX which I have no recollection of when this account opened. I do n't remember even having an account from XXXX XXXX XXXX. I do not owe this debt as it shows it was issued in XX/XX/XXXX. This was 12 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: LA

Complaint narrative:
Syndicated Office Systems is currently reporting on a debt, in the amount of {$190.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to University XXXX XXXX. Syndicated Office Systems does not own the debt. I have a contract with University XXXX XXXX and not Syndicated Office Systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: MO

Complaint narrative:
I purchased XXXX XXXX XXXX with {$2000.00} down payment and financing for {$7000.00} from American Credit Acceptance. Due to financial difficulty I could n't keep up the payments. I decided to Voluntary Surrender the car on XXXX XXXX, 2017.
American Credit Acceptance sold the car at Auction for {$2.00} leaving a deficit of {$5000.00} still owed on car. American Credit Acceptance sold the XXXX XXXX XXXX for {$5000.00} under the Fair Market Value of the car. Also American Credit Acceptance did a Charge off for the car so they can Deduct the total cost of {$7000.00} for the car. American Credit Acceptance did n't try to recoup the Fair Market Value of the car.
Therefore I want an investigation into Fraudulent Conduct by this company to try to make Double what they were owed on car.
I want Justice in this matter because they are not only During this Injustice to me but Thousands of other Customers they have and they have been getting away with it.
Waiting to hear from you.
XXXX 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 2017-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Franklin Collcetion Services has been trying to collect on a {$650.00} medical bill ( all 3 credit reporting agencies have this debt on my credit reports ) when this was paid by XXXX and I have sent the claims and XXXX summary notices to Franklin. I also contacted the hospital who the debt was original from and they told me that they never sent a collection in that amount to Franklin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: CA

Complaint narrative:
A dismissed bankruptcy listed on my credit report with Equifax.According to their policy ( EQUIFAX ) They report bankruptcies for 7 to 10 years.The fair credit reporting act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings.The law states from date of adjudication or date of order of relief.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law.Therefore Equifax has no right to maintain information which the government deemed nonexistent.
Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, Equifax must delete this information from my credit file.
( See attached letter previously sent to Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have had a loan serviced by Ditech ( XXXX XXXX XXXX ) for over 3 years. Each year, my escrow account 's funds were excessively short. The rate the impounds were collected at were set by the loan servicer and were not decided by me. I allowed the shortage to be spread with payments the two prior years.
In XX/XX/XXXX, I received a new notice that my escrow account was again insufficient. I 've watched the escrow account 's insufficient balance grow year after year and had enough. I chose to make a payment to Ditech to stop the cycle of the impound account not being collected correctly versus continuing to spread the shortage. It did not appear an end was ever in sight. If you look at the history on my escrow account, it 's relatively static. It does not make sense that it would continually be short, unless Ditech set the impound rate incorrectly from the start. I paid my supplemental taxes on my own. The only escrow activity on tax payments, PMI, and hazard insurance. The payment amounts for these items fluctuate insignificantly.
Ditech gave me the option of mailing a check, which is not how I conduct business in XX/XX/XXXX. On XX/XX/XXXX, I called Ditech and spoke with XXXX. She informed me that I could make an online payment. Because the payment would be applied to principal/interest, she instructed me to send a secure email asking for the payment to be reprocessed toward the escrow balance.
On XX/XX/XXXX, I made a payment with Ditech for {$2600.00}. On the following day ( XX/XX/XXXX ), I sent Ditech a secure email asking for their help with reprocessing the payment. Ditech failed to respond to my inquiry. On XX/XX/XXXX, I sent Ditech a follow-up secure email asking for their help. On XX/XX/XXXX, I received a reply from Ditech indicating my " request is being reviewed for appropriate processing. '' When I called on XX/XX/XXXX, Ditech had no issue attempting to sell me a refinance to my loan. Apparently, responding to routine service inquiries is an issue to Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for and received a XXXX card through XXXX/Chase. I applied for the card on XX/XX/XXXXunder the marketing advertisement of receiving XXXX bonus miles if I spent {$2000.00} within the first 3 months of opening my account. I had fulfilled the obligation according to my XX/XX/XXXX statement and I called several times inquiring when will the bonus miles be applied to my account. I was graciously told by XXXX that the miles will be applied by Chase withing six to eight weeks. When I called Chase in XX/XX/XXXX, they stated I did not fulfill my financial obligation of spending {$3000.00} in order to receive XXXX bonus miles. I explained to them the advertisement stated {$2000.00} for XXXX XXXX. I applied for the credit card on XX/XX/XXXX from XXXX and the page stated {$2000.00} for XXXX bonus miles. Apparently Chase and XXXX were running two different promotions but I the customer should not be held responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I settled on 2 loans by XXXX XXXX XXXX XXXX but I am not sure if I own the loan, I do n't have any paper work proving I own the loan and they did not provide any information after I asked many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
An attorney filled for bankruptcy in XXXX, MA Federal court. The reason was that my soon to be ex husband was responsible for half the mortgage and was not paying his court order. We had a probate court date and found that he would not be able to pay his half. At this point the attorney advised I vacate the bankruptcy because we owed much less than what the house would be sold for We did exactly that vacated the bankruptcy It did not show up for years! I have disputed it so now states dismissed and {$0.00} balance but it shows up 3x on all credit agencies.have signed up for pacer and can not find ANY INFO!

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 2017-11-14 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: MO

Complaint narrative:
I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information.
By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX.
I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report.
I want an investigation as to why they have n't corrected my Credit Report.
Waiting for a Reply.
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