vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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: Commonwealth Financial Systems, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX had two accounts that need to be paid off. I contacted them to make arrangements and paid off the debt. The debt was for service in XX/XX/XXXX services totaling {$36.00} per service. XXXX stated the debt had been paid off, and nothing else was due. GREAT! 
On XX/XX/XXXX, I received a debt collection notice from Commonwealth Financial Systems stating I owed XXXX a bill of service date XXXX for {$250.00} and added this debt collection on my credit report, which dropped my credit score 31 points. The two service dates for the service in XXXX was total charges due for service of {$36.00}. I talked with my same insurance company, which stated after payment from insurance, an additional adjustment was made. This process should be consistent with the XXXX service date. 
I have talked with XXXX and waiting for a 48-hr return call. I do know the collection agent and XXXX have my incorrect address. 
During the XXXX service date of XXXX, the service provider employee stole my wallet ( in transport ) with Credit Cards. This incident was reported. 
Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
OnXX/XX/2020at XXXX cst, I received a phone call from number XXXX.I missed the call.A man answered the phone and said they had numerous departments and didn't know who called.He pretended to put me on hold and started asking for someone whose name he couldn't quite pronounce very well.He also did not ask for a number before asking for the person. 
I called and spoke with another lady, who told me she could not tell me anything at all.She later said her system was updating then it went to her asking the number I was called on, which I then provided.She said she did not have a record of my number on their file so I don't know who to believe of the two individuals. 
She went on to say she could not provide me information and was probing me for info.I told her if she could not tell me who she represent, I can't help her any further. 
I went on to google the number and I read they threaten to have a sheriff arrest you or ask for a credit card number. 
I want them to stop all and every harassment.If there is anything pertaining to me, they need to put it in writing. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I was informed when I pulled my credit to myself that there was a couple of bad items on my name. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with Transunion the filing date is listed XX/XX/XXXX however XXXX  lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. 
TransUnion Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX XXXX Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX  Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : 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 2020-04-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX  the filing date is listed XX/XX/XXXX however XXXX  lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. 
XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX Experian Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX XXXX Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX  Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : 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 2020-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I currently have a Unsubsidized Consolidated Loan with Navient. I took the standard 10 year repayment term and have been paying by automatic bank drafts every month. I have never been late and have made extra payments to my loan in order to pay off this loan early saving myself approximately four years in interest payments.

In the past I have felt, as has been alleged in charges filed against Navient, that they have never acted in my best interest. I always came out on the wrong end of the stick so to speak.

I have managed to repay this loan and can potentially pay it off within the next 16 months saving me a large amount of interest and time in terms of the length of the original ten year repayment term.

Navient, now curiously that the 0 %, interest has been offered by the Federal Government, wants to increase the length of my loan. I had strategically been increasing my payments in order to take advantage of the 0 % government mandated change to Federal loans in repayment ... of which my loan qualifies.

Navient now wants to extend my loan repayment timeline, stating they NOW notice that there is a much shorter time line, based on the payments I have made, for the loan to be paid off. That of course from my perspective is the point. That was my intent all along. I did not request any change to my loan agreement. Frankly, I suspect Navient does not seek to act in my best interest. They have never acted in my best interest in the past.

I have sent an email on their internal email site asking them to explain how does what they are suggesting, increasing the time for repayment, help me? I fail to understand how what they propose helps me at all. I did not ask them to change the terms of my loan and demanded that they leave my loan alone and uphold the terms of my original agreement, unless they can show exactly how I can benefit.

I am concerned that other Navient clients in the same position fortunately that I am, may be taken advantage of by Navient, with clients wanting to use the 0 % interest rate to their advantage.

They did not seek to make any changes prior to this 0 % interest rate. They were happy to charge the exorbitant 6 %. Now why the rush? I suspect it's because the rates are now in the borrowers favor to take advantage and significantly move towards paying off their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Failure to post payments in a timely manner. 

All amounts owed were sent and received before the due date. 

The checks were received and cashed before the due date. 

The mortgage company, Shell Point / New Rez, sent me a fraudulent statement stating that they did not receive any payments. 

They also applied a late fee on their failure to .post the payments. 

And, they continued their fraud by telling the credit bureau, that I missed a payment when in fact, its their theft that caused me to be defrauded. 

Also, they caused the VA not to approve a refinance because of the missed payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: FL

Complaint narrative:
I filed an identity theft report ( attached ) on XX/XX/XXXX & Transunion responded with a letter dated XX/XX/XXXX ( attached ) stating '' In accordance with section 605B of the FCRA, we have determined that your request has either a ) been made in error b ) is a misrepresentation of material fact relevant to the request to block/ and or C ) you have obtained possession of goods, services or money as a result of the transaction issue.

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 2020-04-02 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: NV

Complaint narrative:
I have repeatedly attempted to dispute with Experian incorrect derogatory information reported by XXXX XXXX  services during 2017. Experian has done nothing to investigate other than pass my dispute on to XXXX and allow them to self-report as they wish. I actually mailed Experian a year 's worth of 2017 unredacted bank statements ( attached ) which clearly showed I made timely payments for the account in question. Experian merely forwarded my bank statements to XXXX and the account remained unchanged. Experian has assumed no duty to provide accurate information regarding this acccount despite my repeated efforts to have it resolved. XXXX continues to lie about the maintenance of my account. 

This started back in 2017 and I wrote XXXX ( see attached ). XXXX failed to ever respond. I am the victim of gross incompetence by XXXX and Experian has done nothing but serve as a pass-through for XXXX despite being presented evidence that XXXX is incorrect and unfair reporting.

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 2020-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PREFERRED CREDIT INC
State: NC

Complaint narrative:
After contacting the company by email, phone and through the XXXX, the company replied with information to identify me that was incorrect. For example : my name was not spelled correct in there system and my address and phone number were not mine that they had. I spoke with a women by the name of XXXX as well and faxes over police reports and complaint filed with the FTC identity theft report. The company which goes by PCI preferred credit inc. has refused to delete this account from my credit report and has caused my credit score to decrease by over 124 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
This debt is not mine and I have no idea what it is for. A letter was sent with the incorrect name. I tried calling the collections agency and they refused to give any information to me without first validating the debt which I refuse to do. I have no past-due accounts with XXXX XXXX XXXX or XXXX. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I was informed when I pulled my credit to myself that there was a couple of bad items on my name. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report.

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 2020-04-02 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items from my report. 

XXXX XXXX XXXX XXXX {$170.00} XXXX   XXXX {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
To Whom It May Concern, On XX/XX/2020 I called Barclay 's and asked them if I applied for for multiple things would I get " 1 '' hard pull there customer service. 

On XX/XX/2020 I did what they told me to do and they gave me " 4 '' hard pulls on my credit. I called them up right away explaining why I did what I did as that is what there customer service told me to do. They are telling me each card get 's its own pull which is not what I was told day prior I was told 1 hard pull if done same time.

I can not have " 4 '' new hard pulls on my credit. I have no problem having the 1 hard pull as I was going by what Barclay 's customer service told me to do.

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 2020-04-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, On XX/XX/2020 I called XXXX 's and asked them if I applied for for multiple things would I get " 1 '' hard pull there customer service. 

On XX/XX/2020 I did what they told me to do and they gave me " 4 '' hard pulls on my credit. I called them up right away explaining why I did what I did as that is what there customer service told me to do. They are telling me each card get 's its own pull which is not what I was told day prior I was told 1 hard pull if done same time.

I can not have " 4 '' new hard pulls on my credit. I have no problem having the 1 hard pull as I was going by what XXXX 's customer service told me to do.

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 2020-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: GA

Complaint narrative:
My loan servicer, SST ( Systems & Services Technologies ) is supposed to take monthly payment of {$170.00} out of a designated checking account of mine once a month. However the SST took the payment out of the checking account twice, once each on XXXX XXXX and onXX/XX/2020for the monthly payment for the month of XXXX. When SST took {$170.00} out for second time, balance on the designated checking account became negative balance, and I got charged a NSF of {$30.00} by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
The company FH Cann and Associates began garnishment of my paycheck without serving me any paperwork. I don't know if I've been sued or what or when the court case was. They are also in violation if the CARE Act by refusing to stop student loan collection after XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: OK

Complaint narrative:
Trying to remove a credit freeze on Experian so I can make a purchase. Experian wants a PIN 10 digit the provided to me two years ago. I don't have it - my fault. Their fix is to US mail documents which takes up to 14 days. In today 's environment this is totally unacceptable, I'll be dead by then.

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