vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On my credit report my name appears 5 ways.

1. XXXX XXXX XXXX Name ID # XXXX 2. XXXX XXXX Name ID # XXXX 3. XXXX XXXX Name ID # XXXX 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX Number 2 is the correct one. 



On my credit report. There are incorrect addresses. 

XXXX XXXX XXXX EXT # XXXX XXXX, NY XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, NY XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, NY XXXX Address ID # XXXX Multifamily All of these are incorrect information and I never at any point in my life lived in XXXX NY.

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 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
You are aware, counsel that the crime of fraud in the mortgage servicing is against public law and I humbly request an investigation in order to save my property, as my ex-wife did not sign any document committing the subject property. 

Since XX/XX/XXXX I filed a complaint with the CPFB Case # XXXX XXXX XXXX, this matter has never been resolved. The reason being the pattern and tactics the companies used and continue to apply to invade State and Federal in my case up to Case # XXXX with Shellpoint Mortgage Servicing. May I understand a fair solution Shellpoint provided the CFPB to date in my case? 

My complaint is that over the years all of the solutions I presented and explored were denied. Moreover, these companies have never presented to the services of your good office a resolution or work on one with me to date. On XX/XX/XXXX, I was in court to postpone the target. The court instructed me to come up with a solution before the XX/XX/XXXX sheriff Sales. 

In view of the above, the only solution that I have is to pay the full amount of the principle of mortgage note debt of {$20000.00}. I need the sales postpone pending an answer from the FBI office concerning my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Security freezes and fraud alerts were not removed per my request. Also, I never requested them to be added.

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 2018-04-05 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: TX

Complaint narrative:
Security freezes and fraud alerts were not removed per my request. Also, I never requested them to be added.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Security freezes and fraud alerts were not removed per my request. Also, I never requested them to be added.

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 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Columbia Recovery Group LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX garnished my son 's wages in violation of both Arizona and Washington law by failing to provide proper notice. They then garnish XXXX pay which was exempt from garnishment, again in violation of law. When we had an attorney contact them regarding this, after not responding toe the attorney for almost three weeks, they finally agreed to reverse the garnishment - BUT NEVER DID SO. We then settled the matter for {$4000.00}. They still did not stop the garnishment, and just garnished my son 's wages AGAIN! And they haven't ever reversed the garnishment or refunded the monies taken in violation of the law. They are rude. They don't return calls or emails. They are snooty and seem not to even care that they are violating the law. I find the way they treated us to be disgusting and shameful. I am pretty sure they treat other consumers in similar manner

Company response to consumer: Untimely response
Consumer complaint received 2018-04-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received notice from Bank of America that they were notified by XXXX that there was a chance my card had been compromised and I would be receiving a new one with a new number. Upon inquiry Bank of America and XXXX refused to disclosed what was the source of the compromise with Bank of America putting the problem with XXXX. 
If a particular merchant was the cause of the compromise I want to know so that I do not patronize that merchant in the future. 
The time necessary to deal with the new card will be lengthy as I have a number of recurring monthly bills tied directly to the card. As the end used I should have the right to disclosure of the suspected source of the compromise.

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 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have been working with Bank of America since-XX/XX/XXXX on my Client for a Short Sale Approval.  Which BTW was approved once on XX/XX/XXXX with a previous Buyer. I have repeatedly called and emailed my Negotiator to only go 5 to 7 days without ever receiving a response. Numerous calls have been made to BOA Customer Service to request the file get expedited to a Supervisor. It's now been 10 days with no returned call from my Negotiator and or the Supervisor. I placed BOA on notice the urgency of getting their response due to the 1st Lien holder 's approval will expire on XX/XX/XXXX, which would cause me to re-start this all over after working the file with both Lender 's involved since XX/XX/XXXX. As I mentioned I left the Supervisor 4-5 messages over the last 5 business days, to only have someone from Customer Service call me to say they would email the Supervisor to contact me. This has been an absolutely horrifying experience with BOA. I have worked this part of the XXXX XXXX XXXX for well over 30 years, and the communications with BOA have never changed or improved at any positive level. As of today I was told my Negotiate is out of the office and has been for the entire week, and there is NO ONE overseeing her position while she is away, and NO ONE can assist to move the file for final review until the Negotiator returns. This is only a small portion of the chain of events with BOA. I would very much like to understand why if an employee is out of the office there is not one person available to respond with some knowledge that the file is being worked on. My file has now been sitting idle for well over 10 business days. If I performed business in this manner I would be out of business. I have throughout this entire process with BOA responded to their request the same day there is NO reason this file should not have been completed in a timely fashion, but due to the inability of the individuals that are holding this file idle have made this an impossible to feel there is an end and a hope for those being affected financially by this chain of events.

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 2018-04-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On XX/XX/, I tendered payment to NELNET/ US DEPT OF ED in the amount of {$79000.00} but NELNET continues to make attempts to collect the debt and report the item negatively on my credit reports as unpaid. I tendered payment. OnXX/XX/XXXX, I disputed the item as prescribed in law under the FCRA and FDCPA and I requested NELNET to provide the original contract bearing my signature and the comprehensive accounting of the account but they willfully ignored my request and claimed " We are unable to adjust your account at this time, because your credit inquiry was incomplete, invalid, or a goodwill* request ''. NELNET violated the FCRA and FDCPA by reporting my account with negative remarks on XXXX XXXX and XXXX, for a debt that I dont owe, therefore since NELNET can not validate the debt, NELNET must request that all credit reporting agencies delete the entry.

Other than that, this account was created by fraud because I never gave permission to NELNET to withhold the comprehensive accounting information from me. The comprehensive accounting is not proprietary information, NELNET does not get to hold that information and I demand to see that information. If NELNET fails to provide the comprehensive accounting or prove that this debt actually exists and that is what a full and complete comprehensive accounting will show, then Ive already paid through legal tender of payment, government obligations remittance coupon dated onXX/XX/XXXX in the amount of XXXX. If there is a remaining balance, then it is false debt and NELNET hasn't applied all credits to the account and NELNET did it intentionally because I asked for a comprehensive accounting and not a billing statement. I want a complete and full comprehensive accounting of every transaction associated with my account to show that this debt exists.

Lastly, the retaliatory action taken by NELNET via credit reporting agencies will result in a small claims action at my local venue. Their actions has caused me significant harm, defamation of my character, job loss, humiliation, inability to acquire credit, home, water, phone, and other necessities of life. There is fairness in the Law. NELNET violation of the Law has harmed me physically and mentally. I request the CFPB to investigate this matter and make NELNET provide the original contract bearing my signature and the complete and full comprehensive accounting of this account. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX I filed an on-line dispute with Equfiax regarding a tax lien that was incorrectly reported. As of today 's daye ( XX/XX/XXXX ) the account still shows as " pending '' on-line. 

I contacted Equifax via their on-line chat on XX/XX/XXXX and was told I must call during the hours of XXXX local. I called at about XXXX on XX/XX/XXXX and was informed that the dispute investigation had been completed on XX/XX/XXXX and I had been notified by email. I received no such email. 

Upon checking my email accounts, I verified that no email was sent and/or received on that or any other day from Equifax regarding this dispute. Additionally, the Equifax rep said she was re-sending the email. That email has also not been received. 

The dispute is regarding a tax lien filed in XX/XX/XXXX and subsequently paid off. Equifax shows the amount still owing. In addition, Equifax does not show the item in dispute as is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: FL

Complaint narrative:
XXXX Reported on my credit report that I was late on this account. I was never late on this account. They reported that I was late on XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 30 days late ). Even more surprising was the fact on how they reported my information, which shows that they are not very accurate with their records and their reporting. 

What was even more confusing and especially very damaging to my credit worthiness is the fact ( proof will also be submitted ) that they reported me 60 days late on XX/XX/XXXX. This makes not logical sense. How can I be 60 days late in XX/XX/XXXX when I was a not even 30 days late the previous month???? 

XXXX has proven an inability to report accurate information clearly by the aforementioned example and is hurting my credit worthiness. I dispute all late pays being reported by XXXX. 

I will be uploading my Experian report clearly showing these negative inaccuracies. I believe that XXXX is violating the FCRA and FACTA. 

I called Experian XX/XX/XXXX to dispute this information, so I know that XXXX got my dispute and Experian provided a report showing that the information came back as verified ( which is clearly inaccurate )

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 2018-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
About two or three yrs ago. I have paid this company my loan and have paid it in full amount. Last and today XX/XX/18 I called XXXX XXXX XXXX XXXX at the near by store and the clerk told me that I have not paid my loan in full. I told them you have to call these number so I did XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ask collection why they have not cleared me out of their system that I have paid off my loan. The woman at the XXXX XXXX said it was not them that collected the money from me it was another collection agency that were handling my bill. 

I was told to call them. I told XXXX XXXX XXXX that I have paid all the loan. why cant they clear me out of their system. 

XXXX XXXX consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
ok I met this person on XXXX   after going through a divorce, after speaking with him a while online he said he wanted to help me because I was going through financial troubles convinced me to give him my Regions account number to deposit XXXX in my account to help me. Well little did I know I was being scammed, Regions sent me a copy of the check which was from XXXX and it wasn't even the person I was speaking to online. Fake online name and all, this has messed me up bad with direct deposit my pay and cashing an insurance check I received from damage in my storage building. Please I have learned my lesson and trust no one with my personal information. I am the victim of a scam.

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 2018-04-05 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
Hello, I am seeking resolutions to handling FCRA violations done against me by the debt collection agency, XXXX XXXX, who is violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans. 
XXXX XXXX XXXX, is committing violations to the FCRA. They also are involved in or party to what is considered, " double jeopardy '' where this account has previously been with multiple other collection agencies that were removed from my credit files only to be purchased by XXXX XXXX XXXX and falsely reported the same account with the same " Original Creditor-XXXX ''. If an item is changed or deleted, the credit reporting company can not put the disputed information back on my file unless the information provider validates that the information is accurate and complete ( which it is neither ). I have documentation showing that this account was previously with other collection agencies and removed from my credit files, only to learn that now the same account is being falsely reported to XXXX and XXXX   credit reporting agencies. I am still trying to understand how XXXX XXXX   was able to just report on the same inaccurate, incomplete, invalid and false information back to the credit reporting agencies, of the same account previously removed.I hope that you are able to assist me in having this unscrupulous debt collection agency reported and held accountable for their intentional violations to FCRA.

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 2018-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Our Bank, PNC Bank,XXXX XXXX XXXX XXXX XXXX OH, has been waiting 15 to 20 days from the time our bills are paid, to the time they actually pay them. We found this out through the electric company, water, and cable services we pay on a monthly basis. This has been happening starting in XX/XX/XXXX, and going through XX/XX/XXXX. One such delay caused our water services to be disconnected. THEN they said we were {$160.00} dollars overdraft, and charged us an additional {$300.00} in fees!!!! 
The date the fees were imposed was XX/XX/XXXX. We have no written documentation yet on these fees - the were just taken out of a deposited check on this day. Something is VERY shady here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had a credit account beginning in XX/XX/2015 with XXXX/SYNCB and when I became XXXX XXXX military, i had no way to pay my debt on that account. During that period, my account became past due and eventually was closed by the creditor.

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 2018-04-05 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
DEBIT FOR CHECKCARD XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX NY Uncategorized - {$2700.00} {$280.00} I made a trip to XXXX, my homeland on XX/XX/XXXX. 
I was supposed to land in XXXX at XXXX XX/XX/XXXX. Due to a faulty plane on my correspondence in XXXX. i didn't make it until XXXX on XX/XX/XXXX. I made it home that day at around XXXX. 
On top of that, The luggage i received where all lost. I never got them. 
The luggage included toys for kids. 
I called the Airline company but didn't get any help. 
Given the fact that i had to pay extra for transportation and that XXXX was ruined. 
I demand a full refund and a letter of apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of Identity Theft and was a victim of having my personal information used to take out fraudulent credit cards, create fraudulent bank accounts and charges were made on some of my existing credit accounts. One of  which is a loan with XXXX. I have fulfilled all the obligations of an Identity Theft Affadavit and to have these transactions erased through FCRA 605B. So I am requesting that the loan be deleted so I can have an accurate credit report. I submitted the required information to Equifax, who sent me a letter stating that they were not going to honor the Identity Theft affadavit, but didn't list a reason why. This is a DIRECT violation of Federal Law. So I explained to a representative at Equifax and XXXX that all they could do was DISPUTE the account. But treating it as a dispute is ridiculous, as I have not asserted an inaccuracy in the reporting by the furnisher, who is relying upon their information without means to independently determine whether it is fraudulent. That is why the identity theft blockage provision of section 605B exists .... to bypass the need to consider proofs. I have no proof to offer to support a dispute, and thus your assertion in the form of a police report is being used to obtain blockage/removal of the charges, not contest the accuracy of its reporting. The dispute process is not a legal fact-finding process, and has no party authorized to review conflicting views of facts and make a binding determination. This is why I filed the ID theft affadavit in the first place. A furnisher does not have to provide proof in order to verify. They must conduct a '' reasonable investigation '', and based on the results of that investigation, state that they have adequate basis for determining that their reporting is accurate. If documents in their possession assert to have been authorization from the consumer, they have no way to determine otherwise, and thus can verify on that basis. That is the reason Congress enacted the identity theft provisions of the FCRA, which permits blocking of such information from a consumer 's credit report without the need to prove a negative. XXXX is also still reporting the account, even though I sent them everything legally required to have this blocked.

Company response to consumer: Closed with explanation