vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been trying to update my address and add it on my credit report to purchase my home. 
I lost my {$3500.00} in earnest money due to the fact that the address would not allow them to pull my credit file. Im in the process of consulting with an attorney because they Credit Bureau is violating my rights with the federal credit reporting act. I have sent them my drivers license and my ssn card repeatedly with no avail and no resolution. 

I need the address of XXXX XXXX XXXX XXXX SC XXXX to appear on my credit reports as non fraud and a deliverable address to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
I was sent an EMAIL From XXXX XXXX XXXX on Tuesday XX/XX/2018 that stated the Forclosure on My Home Is On Hold, then Why am I Receiving Notices Of A Set Sale Date Of XX/XX/2018! QUALITY LOAN SERVICES IS ATTEMPTING TO DECIEVE THE CFPB AGENCY AND ME! THIS IS AN OUTRAGE UNDER THESE CIRCUMSTANCES WHILE XXXX XXXX  SENT ME A LETTER ON XX/XX/2018 CLAIMING THEY WILL HAVE AN UPDATE ON XX/XX/2018? AND I ALSO NOTED XXXX XXXX SAID ITS MY ACCOUNT! THIS IS NOT MY ACCOUNT, I HAVE NO ACCOUNT WITH XXXX XXXX NOW OR EVER, THIS IS AN ILLEGAL PHANTOM DEBT, PERIOD! QUALITY LOAN SERVICES IS ATTEMPTING TO ILLEGALLY SELL MY HOME, WHILE XXXX XXXX CLAIMS TO BE INVESTIGATING THE IDENTITY THEFT, EQUITY THEFT AND TRUST DEED FRAUD, AS IT HAS BEEN DOCUMENTED AND ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION OF THE XXXX. UNDER CALIFORNIA PENAL CODE 115 PC THE FILING OF FALSE OR FRAUDULENT DOCUMENTS ARE A FELONY, YET QUALITY LOAN SERVICES CORP DID JUST THAT, FILED FRAUDULENT DOCUMENTS WITH A PUBLIC OFFICE, THIS IS INEXCUSIBLE AND CRIMINAL. THEY ARE IN NONCOMPLIANCE WITH FDCPA 15 1692 HARRASSMENT AND ABUSE, THE USE OR THREAT OF USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON,  REPUTATION OR PROPERTY, AND THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

NATIONAL CREDIT SYST XXXX {$3000.00} XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been trying to update my address and add it on my credit report to purchase my home. 
I lost my {$3500.00} in earnest money due to the fact that the address would not allow them to pull my credit file. Im in the process of consulting with an attorney because they Credit Bureau is violating my rights with the federal credit reporting act. I have sent them my drivers license and my ssn card repeatedly with no avail and no resolution. 

I need the address of XXXX XXXX XXXX XXXX SC XXXX to appear on my credit reports as non fraud and a deliverable address to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
MY NAME IS XXXX XXXX I AM ON TITLE AND MORTGAGE BUT NOT ON NOTE BUT RECEIVED A RIGHT TO CURE NOTICE WITH MY NAME AND BORROWER XXXX XXXX XXXX ON XXXX XXXX XXXX XXXX  MA XXXX   carringtomn mortgage in violation of MGL 244 35 .right to cure received was only 90 day should gave been 150 day.carrington mortgage did not fullfill all guidlines ounder mgl 244

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: NY

Complaint narrative:
My identity was stolen in 2012. One of the address 's is listed as mine on the credit report along with three phone numbers and a spelling of my name that I don't recognize. I would like the address, name, and phone numbers removed from the report. Criminal charges where filed they where found to be guilty and are serving out sentence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: IL

Complaint narrative:
I have submitted a valid police report to Experian, and XXXX since XXXX of 2018. Experian and XXXX  advised me my police report was not valid, that is not true. My report is a valid police report, from the XXXX Police Department, and this report can be verified. I live in a local town, I went back to the police department and was advised no one contacted the police department to verify if this report was valid or not. However, it is a valid report. 

My life has been a complete nightmare, for I have been denied credit, turned down employment, and unable to provide adequate shelter for me and my XXXX sons.

I am a victim of identity theft, from a data breach, enclosed is a copy of the Class Action Settlement that I am a valid member and have been provided free credit  monitoring services. 

There are several fraudulent accounts that has reported on my credit bureau I have fought with these credit agencies for over four months to remove this information. I have provided the credit agencies letters, from the many companies advising me that I am not liable for the accounts and they would remove it. But for some reason these credit bureaus refuse to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 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: IN

Complaint narrative:
I have a student loan through Navient. This company refuses to send payment coupons because they fraud their consumers and can collect more late fees. 
I mailed my XX/XX/XXXX payment. It was check number XXXX. It clear my bank on XX/XX/XXXX. 
I have uploaded three different bank statements to my Navient account. The third upload of proof of payment was on XX/XX/XXXX. 
On XXXX I spoke with XXXX ( XXXX ). She told me that my payment was located and that it would credited to my account that day. It still has not happened. 
The company started calling me and my husband about 4 times a day. We both spoke with them multiple times. 
On XX/XX/XXXX I spoke with XXXX. On XX/XX/XXXX I spoke with XXXX ( XXXX ). Both XXXX and XXXX told me my account would be corrected.

Today, XX/XX/18, I have received THREE emails from this company attempting to collect debt. 
I called again today. I spoke with XXXX ( XXXX ). She told me that transferred of my money to my account has not yet been approved. They took my money on XX/XX/XXXX and nearly one month later, despite hours on the phone, I STILL can not get an employee to fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I just got a XXXX MasterCard with a {$500.00} credit line and they took around {$120.00} immediately so your available line is {$370.00}. That is terrible but not even the worst of there service policies. XX/XX/2018 I made a payment of {$35.00} using their website and set it up has a checking ACH. My balance owed before this transaction was {$510.00} overdrawn due to their fees they took from my account. The {$35.00} payment did not even post to the card until XX/XX/2018 and it only reflexted in my owed balance but still not available. My balance on their screen was {$440.00} but my available balance was still in the negative. I asked for a direct debit from my checking and it takes 7 to 10 days to become available? You have to call and pay a fee of {$10.00} to get your funds sooner than 7_10 day 's. You can not even set up a reoccurring monthly debit using your debit card and I mentioned any payment using a checking by any way takes 7-10 days to become available. The only way to get your funds available is to call and pay a {$10.00} Fee!!! This I believe is a violation of the funds availability act and other acts as well as being one point from a scam. This company should be audited by the correct authorities to see how they are violating certain acts. I want my balance to be XXXX and wiped out by them. No reflection on my credit and close the card as per my request and have no negative reflection on any of my credit reports or I will go public or escalate this to a higher authority. All I said is true so there is no chance I am commiting a defamation or Libel offense against 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 2018-11-14 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Collections does not seem valid for the specified card yet continuous calls despite the explanation provided to the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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:
Collections does not seem valid for the specified card yet continuous calls despite the explanation provided to the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I opened a Suntrust bank account online that had a promotional offer this past summer. I was never able to log into the account online or activate the debit card. I was told in order to do both and needed to go to the branch. I informed them I am XXXX and unable to go to the branch. I was then informed no exceptions could be made. At that point I told them to close the account then. Months letter I receive a letter in the mail stating the account I never used was now {$15.00} overdrawn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: MI

Complaint narrative:
I received a phone call from one of my past colleges ( XXXX XXXX XXXX College ) notifying me that I had loans that were close to defaulting. I had never elected loans and had not been aware of any student loans in my name. I got in contact with the loan provider and found out that there were 12 loans in my name totaling nearly {$30000.00}. I made two payments soon after the initial phone call totaling {$2000.00}. After seeking advice, I mailed the Great Lakes two letters requesting copies of the loan document ( s ) and proof that I had taken the loan and requested that my credit score be restored due to being unaware of the loans. The letters were dated XX/XX/XXXX. 

On XX/XX/XXXX, Great Lakes provided a copy of the loan document. The loan document bore a digital signature, providing no proof of the identity of the person who took the loan. The document listed my name, but was missing all other personal information ( birthdate, social security number, and driver 's license number ). Furthermore, the document did not suggest that I would have ever received any communication regarding the loan as the document listed a mailing address, email address, and phone number that were not my own. 

Legal counsel was sought and I am mailing an additional letter to Great Lakes in response to the loan document provided. I am requesting a response from Great Lakes within 30 days of receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co
State: SC

Complaint narrative:
Hi My name is XXXX XXXX, I currently have a auto loan with XXXX XXXX, I have had many problems with this bank with info being report as well as communication errors with the staff. 
Currently there is a missed payment on my credit report, and because of that my score has taken a huge hit and no matter what i do will not get any better. I've disputed multiple times with both bank reps and the credit bureaus to no success. According to Safco i missed a complete payment on my auto loan and that is inaccurate i have never missed an payment. I have been late on account but never past 30 days. or without speaking with a representative first due to me being in military its times when i am in field training and can not have electronics which causes me to make payments after due date but per multiple agents with this company no payment has been missed that would fit there reporting policy to be late. I already had one report corrected through this company because inaccuracy. This is not fair. I can not move forward with anything else in life as far as housing and possible vehicle upgrades due to this account reporting the missed payment which is not accurate. all the bank can do is send me a payment history and i understand what there systems may say but the info is inaccurate and its just not fair that i have to continue to take the hit for something that is not true.. Ive made all the payments on this account accept one that was an arrangement Other that payment ive made all of my payments, even if they were made after due date none were ever made after the 30 day reporting policy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Re : CFPB CASE NO. XXXX After receiving citibank 's response I contacted them ( after very long hold times and numerous calls and online attempts ) and requested they close both my checking and savings accounts and send me the proceeds. They were not cooperative and still have not returned all of my money. I have records of appx. 12 conversations regarding this matter, including conversations and messages left for Mr. XXXX XXXX ( referenced in citibank 's response letter ) but I still don't have my money. I am rightfully owed {$8500.00} and demand they pay 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 2018-11-14 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: NJ

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Late Payment XXXX XXXX XXXX, XXXX Unverified Late Payment * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: CITIBANK, N.A.
State: IL

Complaint narrative:
In early 2018, I was purchasing shirts at XXXX XXXX. I wanted to use my XXXX 's card, which I've had for many years, to access a discount. The saleslady looked at my XXXX XXXX card and said it was really beat up and old and I should get a new card. She said she could update my card *and* give me a bigger discount. I said sure. She handed the phone to me, someone asked me a couple of questions, and I got the bigger discount. 

Long story short, I only found out when I had a 'past due ' amount, that XXXX 's had actually opened an entire new account in my name. I evidentally had TWO XXXX 's accounts. One I didn't know about and thus hadn't paid. The other completely up to date. 

I complained to the XXXX. XXXX 's said they'd fix it. They did not. 

What they did made my credit rating plunge. I had *literally* perfect credit. After the XXXX  complaint, they shut down my old account, thus making my length of credit history plunge. This, plus their reporting of my account as delinquent, caused another plunge of 50 points on my credit report. 

This is fraud in it's purest form. I didn't ever want a new XXXX 's card. They secretively did this for some reason - do they get some kind of kickback from XXXX XXXX ( the company running the new card? )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX XXXX XX/XX/2012 made payments of {$290.00} a month after having the car less than a year I have spent over {$8000.00} on repairs I contacted XXXX XXXX XXXX XXXX   because now I was told by a mechanic I needed a new engine estimated to be around {$4000.00} They agreed to let me have the car towed to the dealership because it was not able to drive it and give them the car back. I found out they had nver put a title in my name or applied any of my payments towards to principal of the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: NY

Complaint narrative:
My identity was stolen in 2012. One of the address 's is listed as mine on the credit report along with three phone numbers and a spelling of my name that I don't recognize. I would like the address, name, and phone numbers removed from the report. Criminal charges where filed they where found to be guilty and are serving out sentence.

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