vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 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: OH

Complaint narrative:
THIS IS MYSECOND REQUEST. The unverified account on my credit file below remain on my credit in violation of Federal Law. FCRA requires you to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I got a letter saying verified that these items are being reported correctly?

How was this done when the companies never even responded You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) + Section 611 ( a ) ( 1 ) ( A ) ( a contract with signature ) and under Section 611 ( 5 ) ( A ) of the FCRA Yall can delete the account below The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Harley Davidson Financial Services Inc
State: SC

Complaint narrative:
In XX/XX/XXXX, an 84-month loan was opened in my name through XXXX XXXX XXXX. I have disputed this item several times by sending certified disputes as per the FCRA and FDCPA guidelines for disputes. The first letter sent XX/XX/XXXX XXXX and again on XX/XX/XXXX XXXX both through XXXX signature required. Both time they failed to meet the response requirements set by both the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I received notifications from XXXX, XXXX XXXX and XXXX. I contacted the contacted XXXX XXXXXXXX XXXX XXXX XXXX. I explained to them that I have no Knowledge of this debt be owed. They told me also they did not have my address???? I gave them you address and the youn lady said she was going to try to resolve this. I told her I have no documentation of this and she named my bank and said I had paid $ XXXX years ago. She also said she was going to send me documents regarding the debt. They are in clear violation of the of the fair credit collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: CA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I stop trying to get information about my loans from Navient who was Sallie Mae before. I took a break from school and was paying my loans down. I got them down to around {$10000.00} dollars about before I decided to go back to school. Then during my time back at school my loan total shot up to {$58000.00} about, but it only cost me around {$25000.00} to finish back up. Roughly was thinking around {$35000.00} in debt to pay back when it's all said in done, but {$58000.00} I couldn't wrap my head around. Tried for 6 to 8 months to get information on how this number got so outrageously high in 2 years I was in school ; however, they would never tell me. 

I just want actual evidence of how this got to be so high, that seems rather highway robbery to rack up {$23000.00} in interest while in school. 

Then I'm seeing all these lawsuits against Sallie Mae and Navient which all of my loans are from. 

Just want to make sure everything is correct ; however, I can not get anywhere. 

Feels like something really shady since I can not get answers or metrics on how this happened while I was in school full-time. Aren't these loans suppose to freeze whilst in school. {$25000.00} to go back to school, and rack up about {$23000.00} in interest from {$10000.00} that I paid down to. It's very odd, and I would love answers. 

Thanks for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: NY

Complaint narrative:
In XX/XX/2018, I've sent several dispute letters by certified mail to ( Equifax ). Disputing all misleading, unverifiable, incomplete accounts on my credit file but Equifax has repeatedly refused to follow federal law. They have sent me generic response letter claiming that they have somehow verified all disputed account and has deemed the accounts as accurate and complete. However, ( Equifax ) has not yet once provided me with any physical evidence as per federal law has to how they have come to validate the disputed accounts. I would like ( Equifax ) to delete or remove all unverifiable Accounts from my credit profile. As listed below. 

1 ) XXXX XXXX XXXX {$980.00} 2 ) XXXX XXXX XXXX {$1500.00} 3 ) XXXX XXXX {$2600.00} 4 ) XXXX {$1500.00} 5 ) XXXX XXXX XXXX XXXX {$3500.00} 6 ) XXXX XXXX XXXX XXXX {$1900.00} 7 )  XXXX XXXX XXXX {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ameritech Financial
State: AR

Complaint narrative:
I was contacted by Ameritech and setup auto drafts under the impression that my payments were being applied to my loan for a number of months in order for my remaining balance being forgiven per Ameritech.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
The account is with Merchant Credit Bureau it was filed on XX/XX/2016 in the amount of XXXX they threaten to garnish my wages of i didn't pay and it has damaged my credit as a collection..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In 1998 I took out a Parent loan with lender Sallie Mae. Sallie Mae consolidated my loan and sold it to Navient. My loan went from {$190000.00} to {$38000.00} ( including payments made over the years. I am now a senior citizen turning XXXX years old this year. They want me to sign a new agreement whereby my terms are to reduced to $ XXXX/month for the next 25 years. HOW CAN THAT BE OKAY WHEN THAT ADDITIONAL {$200.00} MAY BE THE DIFFERENCE IN KEEPING A ROOF OVER MY HEAD, BUYING FOOD OR PAYING UTILITY BILL IF I LIVE THAT LONG. Is this legal to double my original loan to have me pay forever? I NEED HELP PLEASE. My husband has survived XXXX and monthly medicine is still needed to sustain his life ( he had XXXX XXXX ). I am XXXX  and have XXXX and monthly XXXX and other meds total {$180.00} monthly. We still owe on our home and are living just with essential daily needs due to all the medical bills and life. I don't understand how a loan that started as government Parent Loan can be sold and double. This type of practice can wipe a regular person out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: CA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
A collection appeared on my XXXX report, I mailed a letter requesting Bonneville Collections to validate this information and my request is being ignored. From my understanding of the law this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: PA

Complaint narrative:
I tried to get in touch with Experian and talk to a human so that I can resolve a complicated issue regarding my credit freeze. However, after many hours, I am still stuck in the automated phone system.

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 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
According To XXXX XXXX XXXX XXXX XXXX XXXX Is The Original Note Holder But The Public Record And The Chain Of Title Do Not Show That. I Need The CFPB To Demand A Response From XXXX XXXX  And Report This Case To The OCC And The F.B.I Field Office In XXXX FL.For Criminal indictments Do To The Fraudulent Activity In My Case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: U.S. BANCORP
State: SC

Complaint narrative:
On or about XX/XX/XXXX an account was opened in my name through US Bank unauthorized. I notified them first on XX/XX/XXXX XXXX and again on XX/XX/XXXX XXXX via signature required UPS of my dispute. Both times they failed to respond as required by both the FCRA and the FDCPA.

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 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
My complaint is about XXXX, formerly named XXXX, also part of Shellpoint Mortgage Servicing. On my XX/XX/XXXX statement, I was told to pay a partial payment of my usual monthly mortgage. My usual payment is {$1400.00} per month. My XXXX statement said to pay {$370.00}, as a {$1000.00} payment had already been applied. I paid {$400.00} for my XXXX statement. I soon received a letter informing me I did not pay my XXXX balance. By XX/XX/XXXX, I received a letter saying I owed {$2500.00} because I didn't pay the whole balance due in XXXX. So I had to take a loan from my parents to cover this cost. I paid this total amount then on XX/XX/XXXX. When I called XXXX and asked about the discrepancy in the XXXX statement, they were not sure why the problem happened and they would get back to me. They did not. When I called back around XX/XX/XXXX, the service agents couldn't explain why there was a {$1000.00} payment made to my account, and later retracted. When this payment was retracted that caused my partial payment to not meet the monthly cost and I was sent a failure to pay notice. At this point XXXX told me it was going to be ok. But what happened to the {$1000.00} partial payment applied in XXXX? After I had already paid the {$2500.00} for XXXX, I called again to XXXX to understand what happened. They replied with " we don't know ''. I called again today, XX/XX/XXXX to find out what they discovered happened to the missing {$1000.00} from my XXXX statement. They told me they didn't know, they also said they might have applied someone else 's payment to my mortgage. They were not sure of their own book keeping. I was charged a {$56.00} fee. My credit also took a hit, as I was considered delinquent for paying the amount XXXX billed me. XXXX 's poor book keeping caused me I injustice to my credit score, when I'm trying to finance a new car, and now my monthly payments might go up {$100.00} a month. XXXX  mortgage company made multiple mistakes, charged me a late fee, messed up my credit, and their resolution to their mistake is " I apologize. '' Meanwhile, I am the one financially burdened by their mistake. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I received a notice or collection in the mail about a debt I totally have no clue about the date has XXXX XXXX, 2019 on it, the amount is {$1200.00} I attempted to settle the debt by I not sure what I'm being charged for and I have 13 negative inquiries on my credit report from the same company..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A couple of fraudulent charges were posted to my account on XX/XX/XXXX. I immediately contacted the company to report them. After a " review, '' according to a letter dated XX/XX/XXXX, they have reinstated one of the charges, for {$31.00} to " XXXX XXXX XXXX, '' because I supposedly " received benefit from this transaction. '' I did not place or authorize the placing of any order from " XXXX XXXX XXXX, '' and discarded the package that arrived from them. Under no circumstances should I be liable for goods I never ordered, much less those ordered fraudulently!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have applied to convert my Discover savings account into a joint account. I submitted my application and evidence showing that the joint account holder shares the same address as me. I have tried to reach Discover bank multiple times via phone to check on the status of the application. Every time, I get a promise that it will be done within two to three business days, but nothing gets done. This issue has caused many personal financial problems for me, and I have wasted a lot of time trying to get this done over the phone. I would appreciate this being resolved as soon as possible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
I received a collection back In XX/XX/2017 in the amount of XXXX and it has damaged my credit because it reports negatively on my credit as a unpaid collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
Ive reached out to the company via the bureaus requesting validation of the accused debt. The company have not responded to my request of validation and is currently reporting inaccurate information and debt amounts on my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Account set up on auto deduction and paid on-time every month during the promotial deferred interest period. We moved on XX/XX/XXXX and didnt receive our statement to pay in full our account. We called on XX/XX/XXXX and updated our address, the company didnt advise me the promotional period ends on XX/XX/XXXX to avoid {$1800.00} being added to the account in deferred interest. Called company on XX/XX/XXXX, agent said we will get our statement in 7-10 business days. Again, the agent didnt advise me our 30 day window to avoid {$1800.00} would be added to our account on XX/XX/XXXX. Called on XX/XX/XXXX, received statement, found {$1800.00} was added to my account and my new balance was {$2500.00}. Spoke with XXXX and I explained the account should not have the added interest due to being set up on auto payment by the company to pay in full during the promotional period. She along with the help desk supervisor said we missed the date of XX/XX/XXXX by 9 days. Explained I moved and asked for the statement to be sent and would have paid in full if any agent on XX/XX/XXXX or XX/XX/XXXX would have provided me with this information since we had not received out statement. Spoke with supervisor XXXX ( XXXX ), and he also said there is nothing they can do to help me for this circumstance. Offered to just pay the remaining balance with XXXX and XXXX, both said they can not accept because we have passed the XX/XX/XXXX date. 30 days post XX/XX/XXXX. XXXX said the representatives are not trained to provide any information about the account unless asked specifically by the customer. Hence, the potential reason why the representative didnt inform me on the phone {$1800.00} would be added to my account on XX/XX/XXXX. ( Two calls : XX/XX/XXXX and XX/XX/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 monetary relief
Consumer complaint received 2019-02-20 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: ECMC GROUP, INC.
State: CA

Complaint narrative:
XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is 1 account reporting to XXXX   which are fraudaulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd  like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

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