vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
On XX/XX/XXXX I was notified that I had a new high impact collection on my transunion credit report by bonneville collection XXXX. The amount owing was the exact amount I owe for a debt to Idaho connections credit from a car loan that I stopped paying on in XX/XX/XXXX and is due to fall off my credit XX/XX/XXXX. I was very confused how the same debt was being reported on my credit twice. The following morning I contacted bonneville to get clarification and they confirmed they were indeed trying to collect the XXXX car  debt and it wasnt there problem if it was on my credit report twice. I questioned when the debt would fall off my credit, although I would still be responsible and the debt collector told me I was wrong it would not fall off 7 years from my last payment that since her off had revived it in XXXX of this year she would continue for the next 7 years to make sure my credit was impacted. I attempted to contact XXXX  as I couldnt believe this information. XXXX at XXXX sent an email saying that she would have the XXXX account flagged on my account, removing it but allowing bonneville to continue to pursue me for the next seven years and hurt my credit even though I have paid that price for the last seven years all ready. I contacted transunion and spoke to a representative about this and was told all I can do is dispute it as debt collectors constantly do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Approved Mortgage Source, LLC
State: FL

Complaint narrative:
My loan was originally submitted as a lender pay broker compensation fee and on the day of closing when the final cd was disclosed it was changed to a borrower pay. I reach out to Approved Mortgage Source LLC to find out why my closing cost was so high when i was told that it would be {$1500.00} the explanation that I got was that its the first time doing business with that bank and when my loan was submitted it was submitted as a lender pay but they said since they're paying on my down payment and closing cost I should pay, this was never disclosed to me until the day of closing when I call the title company to find out why. I then decided to walk away and that was when XXXX agreed to give back {$1800.00} of that to go in my pocket and {$900.00} towards my closing which the {$900.00} was not honored. This man makes my experience as a first time home buyer a nightmare with all its lies and deceptions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
First Bankcard has of Speedway gasoline, as a though Masters card offeratory ; has provided services only to the disrepair and disregulartion and not following what I do and did not authorize, last year into the XXXX XXXX XXXX account and an additoinal fee I was issued by XXXX for the cost that on before payment was scheduled, and by three days prior, and which is even before the date my work /SSI checks arrive ; oh they take ; then what is refunded is nothing, and I have {$1000.00} to bank on Bank Fees , and this is done by this wrong acquired mention ; and I want them cut off for sales ; I am XXXX , XXXX XXXX and since XXXX. Sickended by their pre-emptive empty and reaching, out without showing any signs or helping-fulfillment to the safety of the customer /consumers ; therefore, after this issue first unreveled my nerves on wire-wronged ; XXXX ; - XXXX again ; that's then about XXXX in toerated fees and while now I can not pay off the card, quickly wow i surely could have twice over, waited, went -not ; out, much and then on top of all the additional fees, and refusals told to helop ; their result is for a gift another " pre-charging, '' Why in XXXX, now into a ps i love yours ; XXXX is feestering how to compensate one now after they strike again ; The First Bank and called up, more help no help is now with COVID ; here, so out of XXXX a absoutely value of XXXX in fees ; I can't catch, up to to pay them any more this week ; and month maybe, or you can retrace my money venue ; and replay this moment ; I need the safe of FEMA money , invisible for oath and only true minding settlements for which, I will pay as I aid in schedule and responsive ; then I'm needing about {$400000.00} plus to pay off the card, in abuse over my head by their original Luring me to have this discount management ideal in tool ; another {$1000.00}, so that's the {$50000.00} on Speedway Gas/ First Bankcard Jist and thiefing alone. I will not stop until I am minded, heard, and refunded 100 % and more, thank you. Please aid,

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$590.00}, {$0.00}, {$370.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account.

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 2020-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Immediate Credit Recovery
State: NE

Complaint narrative:
ICR has mislead and misrepresented themselves. they had informed me they worked with US DEPt. of ED with getting loans out default however they were a 3rd party and a debt collector and had nothing to do with the situation with me and the US dept. of ED. I never had to do anything with them because my loans were sold. i've sent my debt val and cease and desist asking them to show me the contract we have showing they are allowed to purchase my information and the original contract showing their a debt collector and is a signed contract saying they can do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$590.00}, {$0.00}, {$370.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account.

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 2020-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I called today to inquire about my interest rate. I called back in XX/XX/2020 about my loss of income due to Covid. I noticed how high my interest rate was. I asked to have it lowered. I was told it was so high because it was not current in payments. I think its completely wrong to mark up interest rates due to my misfortune. To add on interest when I was not employed is completely unreasonable and immoral.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I submitted dispute letters on XX/XX/2020 and have yet to receive any indication that an investigation has started. I feel like I'm being taken advantage of. To my knowledge the bureaus are supposed to respond with results within 30 days. It's going on day 40 and I haven't heard anything. The information being reported on my credit file is completely unverifiable and inaccurate and should be deleted immediately. I have called numerous times about this matter. Please expedite the process, I am in distress.

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 2020-12-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was forced, to Pay off Navient, ordo. I had to borrow money at first to pay them tap them off ; ebb and flow because they nagged, so hatefully, it was like, What's happened ; to you Navient. And, quickly or so {$50000.00} I think was coverage ; and by my 400 hours/ month working in the XXXX. Then I'd work 12 years as a Representative of XXXX XXXX XXXX, or XXXX : no since signatured off of loans ; ha, Added Taxes, fees ; and penalties not to mention, the threats. so in XXXX I did finally, pay off, and because now Navient is under a Settlement provisionary, in XXXX ; I want someone to gummy back and go reach back from the XXXX of the thrones of where my money, is handworker for, and as said, in settlement, {$15000.00} open- door ploy and policy in service, thanks. I am a public service working ' participial. And, additional, money that could be refunded ' now you know my service with-it and degree, state ; then know. I do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have sent information to the credit bureaus with all the information requested and still haven't received anything. I have been waiting weeks. I done this a total of three times asking for this information.

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 2020-12-12 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: EdFinancial Services
State: IL

Complaint narrative:
101  : Between XXXX - XXXX, 2020 ; my Credit Score, just as sure as the Government declared, the National replacement for general forbearance, the acceptance, I had no choice, about to say ; yes or no ; I talked to the Ed Finanancial Service, ; okay, I an explanation for why the, Immediate 200point drop of my Credit Score, wouldn't ( would not ) be evermore now, as sane ; or rule explainable, not ; I mean it was the only thing, i wasn't paying off- and surely surely, all my Credit notations say " good payer, ' '' so 1 ) they partially ruined, the credit but stated, there is no way they did ; so that resolved untap the world of the other Self-fettered, commentary that by XXXX  itself, yeah you know you're Score is messed- up involuntarily : so just ask for moneyback, for the XXXX  ; services ; and in. Service. 

And, now just to make sure, that this Ed Financial report doesn't go without a purpose ; for years now I have been XXXX  XXXX, XXXX XXXX and associated with XXXX XXXX and fundraiser-er and XXXX worker of 12 years as a XXXX  XXXX XXXX XXXX ; and now, then 12 Years as XXXX XXXX XXXX XXXX, and now exactly, another 12 Year supposed span from which I started the XXXX, Certification and have kept up with the XXXX ; and Professional Development, and also much ; the XXXX  partnership with the XXXX XXXX XXXX, forth which, there is not anyone yet declaring my XXXX XXXX have any sore of Applied, Acceptance by the XXXX prepay, Ed Financial without XXXX XXXX, vs. the Ed Financial notations of each and every moment ; that for years ; would suggest " GOVERNMENT PLEASE PAY OFF HER LOANS SHE ALREADY PAID OFF XXXX HER OWN!! '' Come on. I would also, like a Total refund, of which should have been immediately, refunded, for Advantage resonations ; thank you ; and anytime. Contact me, for, more info : ( and I respond, with XXXX XXXX XXXX, work and write on viewpionts and personal blogs and for Donations, do coupons. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: CA

Complaint narrative:
i ran my credit today and i saw i had 2 collections for the same amount of money with 2 different names. so i know this is not legal. how can 2 different debt collectors put a collection on my credit report which is not mine. 

here is the info reporting on my credit report, XXXX XXXX XXXX Equifax Account # : -- -- XXXX High Balance : -- -- {$3100.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$3100.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes this account information Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$3100.00} Account Type : -- -- Collection as you can see this collection is not on my XXXX or XXXX . this company is doing fraud. 
here is the other name XXXX XXXX XXXX Equifax Account # : -- -- XXXX High Balance : -- -- {$3100.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$3100.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes this account information Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$3100.00} Account Type : -- -- Collection Payment Frequency : -- -- - as you can see they are reporting the account twice on my credit which is damaging my credit score. i would like both of these accounts removed from my credit report also i would like a check mailed to my home for {$10000.00} dollars or else im gon na sue in federal court. my address is XXXX XXXX XXXX XXXX, ca XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have sent information to the credit bureaus with all the information requested and still haven't received anything. I have been waiting weeks. I done this a total of three times asking for this information.

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 2020-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent Capital Services, L.P is reporting XXXX collections on my XXXX report only, i already opened a case with XXXX also. 

here is info XXXX/XXXX XXXX XXXX XXXX i request this company delete these accounts off my credit and fix this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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 tried to TEMPORARILY lift my security freeze and I receive an error message each time. 
The error message says I need to copy that page and send it in the mail with a copy of my DL, Current Address, Utility Bill, Something that has my social security number so I sent my 1099. These documents were sent since they were requested! They have received the documents so why am I still denied access and nothing was mailed to me about my pin. When I mailed the documents to EXPERIAN I mailed it as Certify Mail, and I ALSO MAILED A CERTIFIED COPY TO MYSELF. 
This was mailed XX/XX/XXXX and it's now XX/XX/XXXX. ATTACHED will be the proof! 
I have proof they received the documents requested! And proof that I received the same letter, I certify mailed both. XX/XX/XXXX. 

I NEED TO TEMPORARILY LIFT MY FREEZE AND I AM STILL BLOCKED! 
( RETALIATIONS due to previous complaints ) Experian has my correct name, DOB, SSN, Current Address, and Proof that I am here. They have always known where I lived. 
THEY HAVE MADE NO EFFORTS IN HELPING ME WITH THIS ISSUE. 
I tried again today XX/XX/XXXX to temporarily lift my security freeze and I am still being denied. RETALIATION! 
The error message that I am receiving is requesting for me to do what I have already done on XX/XX/XXXX. I DON'T NEED TO KEEP DOING THIS UNTIL Experian is CONTENT! 
My account should have NEVER BEEN BLOCKED, AND IT STARTED THIS YEAR XXXX. 
I have been at this new address since XXXX. This childish game they are playing has started in XX/XX/XXXX so if they were that interested in SECURING MY ACCOUNT THIS SHOULD HAVE STARTED in XXXX. 
My account should have been corrected or updated 2 months ago and it's a shame they are purposely not helping me? 

I am now going to gather up my complaints and give them to an attorney, I had enough!

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 2020-12-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I submitted dispute letters on XX/XX/2020 and have yet to receive any indication that an investigation has started. I feel like I'm being taken advantage of. To my knowledge the bureaus are supposed to respond with results within 30 days. It's going on day 40 and I haven't heard anything. The information being reported on my credit file is completely unverifiable and inaccurate and should be deleted immediately. I have called numerous times about this matter. Please expedite the process, I am in distress.

Company response to consumer: Closed with explanation