vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 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: TX

Complaint narrative:
Experian refusal to properly investigate the below accounts I have no knowledge or records of the listed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please advise me as to the name ( s ) and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. 

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies in violation of HIPAA laws.

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 2019-05-31 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I filed a dispute with XXXX because my mother 's negative credit information is being applied to my credit report. I explained this in my dispute and provided XXXX my mother 's SS # to assist them in their investigation. My mother and I had the same name before my marriage. Note : I'm only having this problem with XXXX. XXXX  and XXXX  are 100 % accurate. 

XXXX  Investigation Comment : Barclay Card - Disagrees with dispute and charged off account. 

The disputed charge has remained on my credit report and it has prevented me from obtaining new credit.

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 2019-05-31 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: TX

Complaint narrative:
Incorrect information, this is a joint account with my spouse and his was removed from his report and mine is still showing.

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 2019-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect information, this is a joint account with my spouse and his was removed from his report and mine is still showing.

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 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
We fell behind on our mortgage in XX/XX/2018. Our boiler broke, our dog got cancer and then they also raised our payment significantly over escrow shortage. So we missed a payment. They put us on a four month repayment program which was way too aggressive. I spoke to them in XXXX and they encouraged me to apply for a modification. Rep told me youre entitled to three and you have XXXX coming. He looked at our finances and said I dont know why they even tried this plan with you. So, we figured wed apply right after XXXX. We were still one month behind. I forgot that I had automated a payment for XX/XX/XXXX which somehow the bank cleared and it put us $ XXXX in arrears. Then the bounced check fees that piled in after - over {$800.00}. Then they mailed us a trial mod without even applying for XX/XX/XXXX. I called and said we cant do this. They said well get back to you and then they sold to mr. cooper. Mr. cooper couldnt give me any info until mid XXXX at which point they said the trial mod was still on the system. Wait until it clears out XX/XX/XXXX. XX/XX/XXXX they told me it still hadnt cleared out, but the problem was we werent paying anything. To make a payment by XX/XX/XXXX and then they would get approval to extend the modification. Well we did that and come XX/XX/XXXX it clears out of the system and I call the first week in XXXX and they say the modification is rejected for missed payment. Then they tell me they can resubmit for a modification, no promises. I still dont need to submit any paperwork! Well I logged in everyday and today I see modification is denied. I call and they have to transfer me to underwriting because they cant even understand the reason. Get a snippy underwriter on the phone who tells me the reason is they can not lower my interest or payment anymore. I tell her that that is not what we needed. We just needed to get caught up and she tells me thats not what a modification is for? I said well then why did they have me apply and what kind of help is this and she says theres nothing else mr cooper can do. Still have never submitted any documents! Every time I call and speak to someone they tell me something different or that someone will call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 2019-05-31 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: GA

Complaint narrative:
I reached out to XXXX XXXX, Experian and XXXX  a number of times since XXXX to remove fraudulent information from my credit report. They continue to stonewall me. I recently got a Fraud Affidavit notarized and they still refuse to reinvestigate, block and remove the items.

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 2019-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
The debt is due to a medical XXXX for {$2000.00} on XX/XX/XXXX, & {$460.00} on XX/XX/XXXX. The debt is invalid due to it being charged to my mother and she filing bankruptcy last year. I filed a dispute through XXXX XXXX ( months ago ) stating that the debt is bankruptcy of another person but have not seen any changes. I never signed anything stating that I should be charged the balance everything was in my mothers name all bills due to me not having credit or insurance during the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: Social Finance, Inc.
State: VA

Complaint narrative:
I recently opened a checking/saving account with Sofi. In early XXXX, I attempted to make a deposit to the account using Sofi 's smartphone app ( Sofi does have brick and mortar outlets ). Upon completing the deposit, my account was immediately frozen. After many calls to Sofi customer service, I've only been told that my account is under review for " security reasons '' and that the office that completes the reviews is " backed up. '' I was also told ( snidely ) that my user agreement allows them to freeze the account for up to 10 days to " investigate inconsistencies. '' Now, almost a month later my account remains frozen with no explanation. Is it legal for a financial institution to continue to block access to the funds in my account? I find their behavior suspicious and wonder if they are simply floating the money for their own gain or worse have become insolvent. Again, their customers service by phone is completely unhelpful and there is no physical office to visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: First Associates Loan Servicing LLC
State: CA

Complaint narrative:
I have XXXX loans with Student Credit Union Connect. I made a payment on XX/XX/XXXX for {$310.00} to my larger loan however the payment was applied towards the smaller loan instead. My loan since has been reported late and affecting my credit. Ive reached out to them multiple times to fix it however it has not been fixed. This is the second time Ive had to filed a complaint due to the miss habdeling of my account. Another payment was made on XX/XX/XXXX for {$480.00} Im hoping it was applied correctly however I didnt received a confirmation email as promised m.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trojan Professional Services, Inc.
State: NJ

Complaint narrative:
Thus debt collection agency has reported a debt as having been incurred in 2014 causing it to show in my credit report again after the 7 year limit as the original date of such debt is over 7 years ago causing a serious downgrade to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I obtained a lease from Ford Credit in XXXX of 2018, the lease amount 'financed ' was listed on my credit report for {$6800.00}. I have made all payments on time, but as of mid XXXX I got a notification from XXXX that Ford Credit lowered my credit limit ( {$6400.00} ), which in turn lowered my credit score. I called Ford Credit on XX/XX/XXXX and she said it was the company 's fault that they added sales tax into the original amount reported to XXXX. This error was a Ford Credit error and they have no solution for me. I would like this reversed to reverse the negative decrease in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Never did bussiness with this company in the amount of {$10000.00}. I never did a contract with this company. i never heard of this company. They must have me mixed up with someone else. This is damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My husband and I refinanced our home through XXXX XXXX. Funding occurred on XX/XX/XXXX. Funds were wired to XXXX ( 1st mortgage ) and XXXX XXXX XXXX XXXX ( 2nd mortgage ) on XX/XX/XXXX. 

Despite the fact that I provided XXXX XXXX a copy of the letter that my loan with XXXX was being service transferred to Fay Servicing on XX/XX/XXXX, the funds to satisfy the loan were sent to XXXX  on XX/XX/XXXX. As of today, Fay Servicing has not received the funds and show the loan due for XX/XX/XXXX. 

I have been going back and forth with both lenders since XX/XX/XXXX with no resolution ( XXXX calls on XX/XX/XXXX spoke with XXXX, XX/XX/XXXX spoke with XXXX, XX/XX/XXXX spoke with XXXX, who didn't even know her own phone number and also said she had escalated the call and that I should receive a call back in 2 hours. It has been 2 1/2 days ) ( Fay calls  XX/XX/XXXX XXXX, XX/XX/XXXX didn't write down the man 's name that I spoke with but he was RUDE, MEAN, VERBALLY ABUSIVE and hung up the phone on me, XX/XX/XXXX XXXX who wasn't much nicer but at least he didn't hangup on me, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX ). I have tried everything possible to get this situation resolved with numerous phone calls and hours on the phone. In fact the people at Fay have been VERY VERY MEAN to me. Both companies have caused me tears, anger and frustration Despite having proof of the wire that was sent to my previous lender XXXX, I have nothing that says the money was forwarded to Fay despite the fact that XXXX claims they mailed me a letter stating the same on XX/XX/XXXX. 

I have been verbally abused, brought tears, told that the matter has been escalated, promised calls and emails and here I sit filing a complaint because my loan still shows unpaid and due for XX/XX/XXXX. 

I need to know where my money is. Someone has it but absolutely no one wants to help me find it. And so help me XXXX, if my credit is ruined because of this, I will sue all three companies involved for negligence. 

I am already considering legal action for the pain and suffering that this whole situation has caused me. How can these companies remain in business when they treat their customers like this??? 

XXXX ( loan # XXXX ) and Fay Servicing ( loan # XXXX ) Please help me find my money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I obtained a lease from XXXX XXXX in XX/XX/2018, the lease amount 'financed ' was listed on my credit report for {$6800.00}. I have made all payments on time, but as of mid XX/XX/XXXX I got a notification from Experian that XXXX XXXX lowered my credit limit ( {$6400.00} ), which in turn lowered my credit score. I called XXXX XXXX on XX/XX/XXXX and she said it was the company 's fault that they added sales tax into the original amount reported to Experian. This error was a XXXX XXXX error and they have no solution for me. I would like this reversed to reverse the negative decrease in my credit score.

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 2019-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I never received a letter or bill from the financial debt collector. I've made numerous attempts to have this company properly validate the debt. They have failed to provide any valid documents bearing my signature which is required by law. In return they have sent documents with certain details which are a violation of HIPPA Law. After notifying them of their violation, they have neglected to respond to any of my communication attempts. It has been over 90 days now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I got a credit card from capital one. when it hit my credit, it dropped my XXXX  65 points and my XXXX around same amount. i called and ask them about it and they said they dont know. ive emailed them about it and still cant get and answer. i have never had my credit score below 600 and this is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I found out that someone else opened up a Victoria 's Secret   Angel credit card using my SSN, and neither the company nor the bank that administers its credit card program ( Comenity ) have offered any resolution that would disassociate my SSN from this random person 's account. It's frustrating and unprofessionaland it should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was looking over my credit reports recently and noticed a debt from this company which seems to be a debt from some apartment complex. I never lived at that apartment listed as I have been living at my current address for over 2 years. I tske mt credit very seriously and I have filed an identity theft report with the FTC that I will include with this complaint. f this matter is not thoroughly investigated and this debt that that does not belong to me.I will not hesitate for to file an immediate lawsuit against this company and provide the proof to the courts that I have been living in my current address for about 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
First Franklin is reporting a charge off on my credit report. The account was delinquent, and we agreed on a settlement amount. After I received my tax refund, I paid the agreed upon amount. I honestly did not know the settlement was supposed to be listed as " settled in full '' until a lady at the bank told me yesterday when I was trying to co-sign on a car for my daughter.

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 2019-05-31 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: American Credit Acceptance, LLC
State: VA

Complaint narrative:
I have a loan with AMERICAN CREDIT ACCE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and AMERICAN CREDIT ACCE with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Rushmore Loan Management services is charging me outrageous fees because I pay my mortgage on the last day of the month close to {$200.00} in fees. These fees should be illegal and they acquired my loan which I did not want. This company should be shut down due to fraudulent practices.

Company response to consumer: Closed with explanation