vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is an answer to Equifax 's request for specifics : To repeat my original complaint with attachments : Through this portal I have filed complaints against Equifax, XXXX, & XXXX. The specifics of the complaint has been provided to several times. They have and are currently displaying blatant disregard for the " Fair Credit Reporting Act '' known as the FCRA. I mailed disputes ( XX/XX/XXXX ) which all three agencies failed to respond to in timely fashion. Not only have they failed to respond but they continue to display malicious intent by contacting for instance a creditor and claim fraud on my behalf when I merely requested they investigate a late. Specifically the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. This behavior flys in face of the intent of the FCRA and should be met with the most severe scrutiny. These agencies use a great deal of misdirection to cause confusion and hopelessness. Please investigate my claims ... See items below & attachments with id info mailed with original mailing. 

Equifax XXXX ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX   XXXX never late INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX is reporting negative information on my credit report and have been doing so for the past 2 years, i have contacted them several times and advised them that the debt does not belong to me and asked for original documentation ( a consumer contract with my signature on it ) to be sent to me which is required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 )  ( A ) to this date they have not provided me such documentation, i have contacted all three credit bureaus and they conducted an investigation and removed the item from my report previously, however they have now sold the debt to another collection agency XXXX XXXX XXXX whom is now reporting negative information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Reliant Capital Solutions, LLC
State: WI

Complaint narrative:
Reliant Capital Solutions are trying to collect on a student loan that is not mine and claim that the US Dept of Education has hired them to collect it. They contend that the Dept intends to order my employer to withhold 15 % of my income to pay back a loan that is not mine. I think they are a fraud as they contend that the Dept is in XXXX Tx. I recivedtheir letter on XX/XX/XXXX. The loans are from XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
every year penny mac mortgage review XXXX my loan for taxes paid to local community for real estate. they then send a threating letter that if real estate taxes are not paid they will require escoret acct and charge us extra in the payment for the taxes. this occurs every year approx XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. our loan is conv 15 year loan which we took to quickley reduce the balance and pay the taxes ourselves. we pay quarterly or monthly depending on our income and expenses and allways catch up to date. 
last year and this year i have called them wrote them to explain that. they refuse to allow us to pay the taxes monthly or quarterly, and threaten escoret and foreclosure if not done.When we signed the loan, the purpose was know to both parties that taxes would be paid out side the loan, they never stipulated timing of when they needed to be paid. 

Penny mac XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
LexisNexis XXXX XXXX XXXX XXXX, a LexisNexis Company has violated my rights under FCRA Section 604 ( A ) ( 3 ). This company continues to retrieve my public information from XXXX  and sell my public records to a variety of its customers, including consumer reporting agencies WITHOUT permissible purpose. LexisNexis XXXX XXXX XXXX XXXX has fraudulent sold and used my personal and private identity information for financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CT

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX pre-paid MC Debit Card from the Gift Card Rack at XXXX XXXX for {$300.00}. I had some Cash that I wanted to use for a purchase online and since I already had a XXXX Acct I thought this was a valid option. The only real information visible on the packaging was that it was not a gift card. I was aware of that, however I thought it would work like a reward debit card for which I have had several and found them easy an convenient to use. It was not until I tried to activate the card that I realized that something was not right. Initially I explained that I purchased the card for a one time transaction and that I assumed the card was active until the balance was used. The answer I received was 'yes you can do that ' Turns this card had an expiration date of XX/XX/XXXX. Then I went through a lengthy credit interview and realize that this was a not what I thought it was. Because I had already purchase the card I felt I had not other option so I activated the card. Next I went the use the card and was unsuccessful. I conducted the transaction on XXXX where I now have an active Debit & Credit card to make purchases. The purchase I was making was {$340.00}, I wanted to use the entire {$300.00} balance on the Debit and charge the remaining balance {$40.00} to my credit card. That transaction failed, when I call XXXX support that's when I found out that the XXXX Debit card was not actually XXXX and that they could not help me. I ended up applying the entire purchase on my credit card. So over the last month or so I have used up the balance on the debit card on smaller transactions and have keep track of the balance. On the last purchase attempt the transaction failed because I was overdrawn. When I called them I was told that I was over drawn and had a - {$2.00} balance and that include the $ XXXX monthly service fee. When I told them that this is not how I thought this would work and that I acquired this card for a onetime purchase they said they would cancel the account. I said yes and the agent said ' one minute ' when she can back she said she took care of it. Then I said now I would like to pay off the {$2.00} balance she said I could not because she had already cancelled the account. So I never did use the entire balance on the card ( {$1.00} remaining ) The next day I received new XXXX prepaid Debit card in the mail with my actual name on it and a new account number and a new expiration of XX/XX/XXXX. I did not ask for this card and I have not activated it. 

Lastly I was not aware that this was a netspend acct. until I fill out the complaint. It was not mention in any of the documentation I have from them.

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 2019-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hello CFPB, So, it seems that as a college student in XXXX, I was approved by XXXX for credit. Later, like most college students, I learned the hard way and ended up owing {$800.00} to {$900.00}, give or take based on this credit line. This was fine, meaning I had no issues with having to pay. Suddenly, I get a letter from this company and/or attorney 's office called, XXXX XXXX XXXX, stating that XXXX sold them my account as a collections account. The problem was as my mother questioned, " Since when does a big CO like XXXX come after college students for a {$900.00} debt? '' This didn't seem right ... 
Later I receoved a letter from the CT that I had a hearing!! When my mother and I called XXXX, we were told that this account was paid off. When we asked how XXXX got this account, at first, CSR were explaining they didn't know. My phone which has been hacked into somehow, ( possible politics since my college has been put under investigation & issues with my mother, Miss XXXX XXXX from Family CT in XXXX, NJ & case workers ... ), disconnected, right when a CSR stated that he'd email my account infor. When I tried calling back to get the account information, & to understand if they sent my account to this attorney, reps begin behaving strange : kept referring me back to this attorney office all of sudden! 
My mother and I believe that perhaps, some CSR or manager from XXXX, was compromised to buy out my account to this " XXXX XXXX XXXX, XXXX as assignee of Synchrony Bank/XXXX.com in somehow this connection to XXXX  XXXX XXXX. Why would XXXX send this account to a lawyer? Since when does an attorney 's office take a college student to CT especially for a {$900.00} account? 
Last but not least, the interest rate for a college student is illegal as I explained to this attorney 's office, who has been harassing me, according to the Obama Credit Card Act of XXXX! They still aren't in compliance. These are the issues! Please, give me your assistance so this attroney can get off of my back!

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 2019-03-20 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: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
I have talked with the Waypoint Resource Group to have this removed from my credit report and all credit bureaus, ( XXXX, XXXX, XXXX  ). I have paid the bill in full and Waypoint Resource Group is working with me to send a payment for deletion letter for my records. Once I have that letter I will work having this negative item removed and stop affecting my credit score in a negative way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have an adjustable Rate mortgage which should be based upon the LIBOR 6 month rate 15 days before the change date. This time they intentional used a date 24 days before which makes a difference in rate by 1/8 %. this has changed 8 times already and every time it was on XX/XX/XXXX or XX/XX/XXXX and this time they used XX/XX/XXXX. Nice random date which made me look at it closer. 

This is intentional fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: Reliant Capital Solutions, LLC
State: PA

Complaint narrative:
I was notified by irs that our income tax was going to be offset due to default student loan. I contacted reliant capital solutions llc I was informed my only option is to refinance and enter income driven repayment. I was directed to go to a website to print out application the website brought up a XXXX search. I googled the applications needed and filled them out. I was informed they would not be accepted I redid the applications with an employee of the company on the phone she again informed me they were wrong. I was asked to fill them out a third time. I was given 2 different fax numbers only one works the second one only worked after several attempts made. I have been receiving hang up calls from numbers associated with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc.
State: TX

Complaint narrative:
Creditor Information XXXX XXXX, XXXX. 
XXXX XXXX XXXX, TX XXXX Balance {$4500.00} Account XXXX This account was closed in 2014 Now its been reopened by a Collection Agency that's I had no agreement with Account was issued to XXXX XXXX My legal name has always been XXXX XXXX XXXX I asked this be removed from my credit report ASAP Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Consultants placed a collection on my credit report that is in VIOLATION of the Fair Credit Reporting Act And Fair Debt Collection Practices Act. 2. I have NO signed contracts with Diversified Consultants or their client, XXXX, I don't have anything belonging to XXXX and the collection agency they hired!. Therefore this is a FRAUDULENT collection and should be DELETED from my credit report ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I NEVER HAD XXXX AT MY ADDRESS AND THIS ACCOUNT WAS STARTED BY SOMEONE OTHER THAN MYSELF USING INFORMATION THEY PROBABLY OBTAINED FROM THE DOCUMENTATION AND IDENTITY AND CREDENTIALS THAT WERE IN MY VEHICLE THAT WAS AUCTIONED OFF. 

THIS WAS REPORTED TO AND UNDER INVESTIGATION BY THE UNITED STATES POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISIONS, MANAGER XXXX XXXX OF THE US POSTAL INSPECTION SERVICE AND POLICE. 

THIS ACCOUNT WAS REPORTED OPENED ON XX/XX/, 2018 ON TRANSUNION CREDIT REPORT # XXXX, WHICH IS VERY UNLIKELY TO BE ME WHO OPENED THE ACCOUNT AS I WAS NOT EVEN IN THE UNITED STATES DURING THAT TIME. 

AS SUCH, PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT AS IT IS HURTING MY ABILITY TO APPLY FOR CREDIT PRODUCTS AND EMPLOYMENT WITH THIS COLLECTION ITEM SHOWING ON MY CREDIT REPORT. 

A COMPLAINT ABOUT INACCURATE REPORTING HAS BEEN FILED WITH THE CONSUMER FINANCIAL PROTECTION BUREAU REGARDING TRANSUNION 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 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
" SYNCB Credit Card/ Airlines '' was added to my credit reports today, XX/XX/XXXX, stating I opened the account in XX/XX/XXXX. I never applied for a credit card or anything in XX/XX/XXXX at all. I fear this is fraud and I need to get it off my report ASAP. There is no amount stated and I tried calling them and I had an automated voice ask me for account numbers that I didn't know and no option to speak with a person. I have no files to attach because it is only on my credit report that will show other personal information. If you need to see my report please let me know.

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 2019-03-20 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: Capio Partners, LLC
State: GU

Complaint narrative:
I had a drunk driver hit me XX/XX/XXXX I paid a medical bill XX/XX/XXXX and somehow capio collections twice that I can see..in XXXX wrongfully stated I was in collections for it I want the false info removed this has been awful on me and they made my credit worse for no reason see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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:
CommonWealth Finance added ( 1 ) collection to my credit reports without my knowledge! I checked & can't verify their registration in Florida! BOTH are FDCPA violations! CommonWealth Finance put  collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the FL Secretary of State that they are registered in Florida which is also against the FDCPA! I had requested that CommonWealth Finance verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. CommonWealth Finance also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law i contacted them and they told me they do not by law have to give me the information I requested which they stated when asked about who's name it's in its not even my bill but because that person is on my insurance they could put it on MY credit report which is illegal and that they are allowed to put it on my credit before contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX Bank of America contacted me questioning charges on my account.I told them I did not authorize the 4 charges.Bank of america then deleted my old credit card and issued me a new credit card. The following month BOA charged me for one of the fraud charges of {$84.00} which I deducted from thee bill.I have spoken to BOA they insist I pay the {$84.00} also I tried calling XXXX XXXX ( {$84.00} ) the phone number " is no longer in service '' I will deduct the {$84.00} plus the interest charges from my current bill I have had this card since XXXX.on the attached copies I have encircled the amount in dispute

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 2019-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: WI

Complaint narrative:
I called on XX/XX/20 to combine my 2 mortgages and they wont and say they cant because my house is worth less than what I owe and Ive told them so many times because its not the first time Ive called for this issue I have called many times over the years I have well going on 12 years living here in this property and not planning to move anytime soon and Ive called them that the reason I owe my house more then whats its worth is cause my interests was so sly high for so many years and i havent been able to put a gap on my loan i have with them I bought my house almost 12 years ago for {$130000.00} and till this day almost 12 years later i still owe {$100000.00} and yet I call them and ask them about it and they dont see a problem and if they cant fix it and cant do anything about it or atleast trying to help me in any kind of way they can or should

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