vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have 4 closed student loan accounts showing up and they were paid and Ive contacted the creditors to remove the inquiries, I also am needing to dispute recent inquiries

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 2018-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018 at XXXX XXXX, I contacted XXXX XXXX XXXX , XXXX and spoke with XXXX XXXX regarding a judgement letter I received regarding a Citibank credit card they purchased. A judgement was entered in the amount of {$3300.00}. Enclosed in the letter, they advised they were inquiring about assests and ability to satisfy judgement. Moreover, they included a financial disclosure form to complete and return. In the letter, they stated if we are unable to reach a voluntary resolution, they may seek to enforce the judgement. 

I spoke with Mr. XXXX and attempted to negotiate the balance. He asked why I had a financial disclosure form. I referenced the letter I received and explained why I was contacting them. I received a VA XXXX check, which is exempt from being reported as per their disclosure letter. I did advise him of that ; I was trying to be forthright and honest with our situation. On repeated times, he kept asking how much the VA payment was. I referred back to their letter and advised I did not need to disclose that information. 

I next requested to speak with someone to attempt to continue to negotiate the balance. I was provided XXXX XXXX to further discuss the situation. He stated the offer of {$2700.00} was the best they could offer to settle. I further advised that it wasn't possible. I explained in detail my financial situation and that I owed the IRS back taxes as well. 

When I mentioned the letter, he stated they already filed the lien against my house. He further stated they will get paid. And, if and when I sell my house, they will get paid before any sale is completed. I asked when the lien was filed, as I've not received any notification. I then referenced the letter, stating that they could enforce judgement, but has not been done as of yet. 

He balked, took a break, then apologized, stating he mixed up accounts. I advised him that I knew my consumer rights and he could not threaten me with liens as a tactic. He made me nervous ; my voice and emotions went up. I advised him that I know the call was recorded, I was filing a complaint, and the call better not disappear. I asked to be transferred to someone else. 

I was transfered to XXXX XXXX. I explained the situation with both employees. He said sorry, there's nothing else he can offer. At that time, I disconnected the call.

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 2018-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I tried calling my loan servicer " LoanCare '' - A service link company. I had previously asked them via request on their website to provide me records of my XXXX interest forms for XXXX and XXXX. They advised I needed to go to the old servicers and ask the previous servicers to provide those statements. This was misinformation as the previous servicers ( XXXX, XXXX, XXXX ) advised that all record of my account was purged and all documentation was migrated to the new servicer. 
I called LoanCare and advised them of this on XX/XX/XXXX and they advised me to submit another online request. I asked to speak to a manager and was put on hold for 15 minutes. After that hold, I was told a manger was not available and would call me back. 
No one ever called back. 
On XX/XX/XXXX I called and spoke with a manager XXXX XXXX. I advised of my situation and she advised that I would have to reach out to the prior servicers. I advised that I had tried that to no avail, and that as my current servicer, it was their responsibility to service all aspects of my loan, including providing me with historical documentation such as XXXX   forms. I advised I was getting frustrated and would file a complaint with the CFPB. After I mentioned I might file a formal complaint, she advised her team could research and track down the prior XXXX for me from the other servicers and that I should expect a response within 5-7 business days. 
I didnt bother asking why they all of the sudden where willing to help me when I mentioned that I would file a complaint to the CFPB. 
If they had the ability to do this the entire time, why couldnt they just have helped me from the start? 
I spoke with XXXX XXXX on the 7th business day. She was helpful to the best of her ability, but it seemed like she did not quite know when the request would be completed I advised I would follow up on XX/XX/XXXX and then did so. 
I again spoke with XXXX XXXX on XX/XX/XXXX that they were waiting on prior servicers to deliver the forms to them, but was unable to answer when that would be completed. 
I'm in desperate need of my XXXX forms so I can file my taxes, but LoanCare/other prior servicers seem to be unwilling/unable to work with me to provide those forms. 
I would like to note, I think this is an issue with the overall servicers ability to complete my request. XXXX specifically has been as helpful and willing to assist as anyone could expect her to be. 
I am now asking for CFPB intervention in hopes to finally get the documentation I need. 
Please help. 
Additionally, if possible, I am requesting that my loan be service transferred outside of the service link family of servicers to a more organized, more ready to assist servicer. 
Please feel free to reach out 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 2018-09-24 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: CA

Complaint narrative:
Tried to freeze credit on their website as I have done in the past. Was directed to send sensitive documents in the mail that could only lead to ID theft. Calling is a waste of time, there menu XXXX will have you sitting on the phone for days. Why can't I freeze my credit online like I have done in past and my wife has done successfully yesterday?

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 2018-09-24 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: FL

Complaint narrative:
Please require Equifax to delete the items from my credit report, as Equifax has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit reports and Equifax has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. Equifax has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but Equifax still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/XXXX, I mailed my final certified letter to the Equifax Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter and the proof that one of these accounts is in the wrong last name. 

Please demand that Equifax uphold their obligation to delete these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
3 Accounts with Portfolio Recovery Associates I have written to Portfolio Recovery Associates and mailed certified mail on three separate occasions to have this debt removed from my credit report. I have requested to have Portfolio Recovery Associates to provide me with a copy of any viable evidence bearing my signature and as of today has not been done by Portfolio Recovery Associates, with any automated or XXXX verification is unacceptable. I have also notified Portfolio Recovery Associates that by continuing to report on my credit report it is a violation of the Fair Credit Reporting Act. I have also notified in all my three certified mail letters that if not removed from my credit report that I will file a small claims action against Portfolio Recovery Associates. Only response I receive from them is a that the claims have been verified and they will not be opening another investigation, but have not responded to me with viable evidence bearing my signature. Their office considers this matter closed and I do not have any evidence and how can they close this matter without sending me what I have disputed. 
Account numbers are as listed : XXXX for the sum of {$2300.00} XXXX for the sum of {$910.00} XXXX for the sum of {$340.00} All three accounts do not have my correct name and have wrong address on the bills. 

Thank you for your time and I look forward to getting these 3 matters cleared up and off of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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:
I am a victim of identity fraud

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 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had a TD Business Visa card. I canceled it on Monday XX/XX/XXXX. Prior to this I received a letter in XXXX stating that they have been trying to call me to no avail. ( I have received 3 more letters like this ) I was on vacation and there was no message on my telephone upon return. I look on line to see my balance and wonder what they're calling about because I really don't use the card and was planning to cancel it. To my amazement there are charges of almost $ 50K on the card including on XX/XX/XXXX payment reversal of {$27000.00}, on XXXX {$30000.00} payment reversal XXXX payment received, XXXX payment received XXXX XXXX {$3200.00} and another charge for {$950.00}. and list goes on. I called the fraud department immediately and no one seemed to be too concerned. They said someone would get back to me in 24-48 hours. I called after 24 hours and they said 24-48 hours didn't mean days it meant business working hours 3-6 days. Then they asked me if I wanted a new card. I said no I needed to get this resolved. They said they couldn't do anything because they couldn't verify who I was and that I needed to go into a branch. They then said that they just issued 7 new cards ( This was a business account ). I went crazy and ran down to the branch. The customer service rep at the bank could not believe they sent me there and I had her call the fraud line and she couldn't believe what they were telling us. I asked that they cancel all cards and put a freeze on the account ( which they had told me they had done when I called twice before ) as long a I would get something in writing. Today I receive two letters one dated XX/XX/XXXX that said account closed and cut up card but I am still responsible for account balance and future charges. The other letter I received today ( XX/XX/XXXX ) says that I agreed to use the TD Credit card in compliance with ... Unfortunately they're revoking my charging privileges effective immediately for failure to comply.Signed by a senior vice president and then it says this is an attempt to collect a debt. Please help me. My husband and I are upstanding members of the community with a FICO of over 800. The last thing I remeber doing is requesting a credit which I received and when I wanted to cancel they mentioned that I had points and I should use them before I cancel the card. 
Another strange thing happened. I received a call from XXXX asking if I had requested a credit card be delivered to a XXXX XXXX in XXXX XXXX Florida. I said why would I do that? The person said that was why she was calling. Shocked I didn't ask for name incident number. I asked what credit card it was and she said she could not tell me and she would notify the issuer. I do not know if this was ever done, which card was it also part of the scam?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I've requested proof a check issued on or around XX/XX/XXXX from Capital One was received and cashed by myself, the amount of which is XXXX. To date, I've received information showing a XXXX XXXX intercepted check, forged my name, cashed check at a XXXX XXXX XXXX in her name. This information shows funds received by this other party, not myself. On the morning of XX/XX/XXXX, I left for vacation around XXXX XXXX, a XXXX XXXX picked me up and drove me to XXXX XXXX. The check, which is a replacement for a prior one which had a stop payment on it, was intercepted by a XXXX XXXX on the following day.. Capital One has information which appears entirely circumstantial, does not link me to receipt of funds. Further, they fail to provide a mailing address to send a notice of small claim suit. I understand they use a third party for such notices but failed to provide address which has been requested numerous times. They provide a website to visit, which is not the information requested, I believe they are withholding the information, knowing they do not have any direct proof I cashed check/received funds. The proof they provided shows again, a XXXX XXXX received and cashed check, deposited it to a XXXX XXXX XXXX while I was away. I left for XXXX XXXX on XX/XX/XXXX, was there until XXXX, did not receive check and or cash it. Capital One claims they do not have a signature card on file, as most banks require.. However, if they check signature on both checks, one issued on XX/XX/XXXX and second one on XX/XX/XXXX, they will see signatures are different from another. The check received on XX/XX/XXXX, was cashed by myself, deposited to my XXXX account. This check had a stop payment placed on it, funds not received. The second check in question, which was intercepted, has a forged signature on it ... I request copies of both checks for my own signature expert to view, I also request Capital One have their own expert review them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
JPL Recovery Solutions. Told them to stop calling, they threatened to call my works payroll department and that I would be in for a rude awakening. Abusive and rude. Called me, my mom, my dad, my sister, my brother, and my girlfriend. Did not let me speak. Continued to talk and intimidate me and threaten legal action. Wanted to collect credit or debit card info to repay debt. Predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: NJ

Complaint narrative:
The company ( XXXX XXXX ) keeps repeatedly calling my place of employment. I myself called from my cell phone and asked that they not call my job. He then threatened to take me to court. They continued to call my job up to 3 times per day for the past week. Today she ( XXXX XXXX ) told my manager that she was a liar and she knew I was working here. I am close to losing my job because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I did a dispute with TransUnion about a month ago, and, today, I received an investigation report with the updates. For some unknown reason TransUnion has placed part of my name with a past dentist 's name and can not explain how this happened. TransUnion states that the creditors ' verify information. That is not true in this situation. I demanded this name be taken off my credit report, immediately. He hesitated for a moment until I yelled at him. Then, on a item that has been disputed since 2014 and deleted by the two other credit bureaus, the TransUnion rep refused to delete stating that the creditor has stated that the information is accurate -- kept repeating this until I hung up. Attached is a copy of the erroneously updated credit 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 2018-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX This auto company needs to update my credit reports as of now not late and have a balance for XX/XX/XXXX of XXXX. it is showing on my report that I am still owing {$1100.00} while I have no past due as of today XX/XX/XXXX. 

They have customer service foreigners that did not always understand me whenever I talked to 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 2018-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: MI

Complaint narrative:
I can no longer afford to pay for my mortgage Am trying to do a short sale on the home I am told there is a fair offer on the table for the home it needs a lot of work and is not live able for my daughter who keeps getting sick here i am sending you the Estimates needed on the home to show this is the only and more than fair offer on the home.

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 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Receivables Management Partners, LLC
State: MD

Complaint narrative:
Paid debt off. RMP says I have to wait till the XXXX of XXXX To have it removed from my credit. I want it updated ( now ) within the next 24 hours with the 3.credit bureau. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Midwest Recovery Systems
State: MO

Complaint narrative:
Re : Acct. XXXX Midwest Recovery Systems report XX/XX/2016 {$580.00} Reporting from all credit bureaus. 

I have contacted Midwest Recovery Systems, LLC verbally since XX/XX/2016. They would not remove the acct. 
I contacted them by letter XX/XX/XXXX telling them it is a violation of the Fair Credit Reporting Act to report {$580.00} balance due to XXXX on my credit. I requested viable evidence bearing my signature that the report to be accurate. THey did not respond to my request. 

I wrote a letter to all credit bureaus disputing a false collection on my credit report XX/XX/XXXX. I requested a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. The days and times of sign in and sign out of services equaling the alleged amount claimed that I owe Midwest Recovery Systems LLC. 

They responded stating the information was verified but did not provide any documentation requested that this was an accurate report. This is a violation of the Fair Debt Collections Practices Act Section 807-8 and Defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: MO

Complaint narrative:
Company could NOT freeze credit. Wanted me to send them my Social Security Number, a copy of drivers license and a copy of current utility bill. I think that mailing them that information would give someone that " stole '' the mail, all the info necessary to really commit identity theft. Both XXXX and XXXX were able to put freeze on my account easily and rapidly.

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