vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Swan Financial Corporation
State: KY

Complaint narrative:
I have spoken with a banker at swan  Financial and every time I try and get answers they make me call their cell phone. My realtor also stated if I use them I will get lower costs and they will cut certain fees using them. This is making me so uncomfortable that I do not know what to do.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
This company has continued to contact me for an unknown, unverified and no validated account. The harassment is causing defamation of my character and reflects negative toward s my financial capabilities as an adult. I can not move forward and create stability for my growing family. I want this bill that does not apply to me to be removed from my name and credit report due to me having no knowledge of it. I don't think that it is fair for it to cause harm to me when I have never had any relationship with this company. Please remove the account with no verification and no validation from my information due to the Fair Credit Reporting Act 15 U.S.C.168Ag.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: American Student Assistance
State: OK

Complaint narrative:
In 1987 I took out a loan and it was about {$14000.00}. I let it go into default due to some personal circumstances. I recieved a letter stating that it was in default and I owed {$17000.00}. When I took that loan out, it stated if it went into default, it would be up to 25 % penalties and interest. It did not say, 25 % penalties and interest plus 20 % interest until it was rehabbed and then they would add more and more to it.

Now ASA ( American Student Assistance ) have recently hired Performant to collect a separate debt I have not taken out or agreed to pay. The only paper work they have been able to provide is a fuzzy print document with pages missing. ASA claim I agreed to this loan but this is not true, nor have I ever seen the document before. If I had agreed to such a large loan there would be a copy of a loan agreement with my personal signature on it. I need them to stop garnishing my wages for this immediately. They have tried to get me to actually agree to pay this loan I know nothing about and I absolutely did NOT agree to it at any point in my life. This is not reasonable that someone can just " show up '' and say I owe them {$160000.00}! it is illegal and extortionate.
I did NOT " electronically sign '' nor did I agree to consolidate or any such nonsense.

Now ASA has been garnishing my wages through XXXX for the past year. If they won't provide an actual document to me proving the debt is legitimate, why are they allowed to garnish my wage? The reason they aren't able to provide this documentation is because it doesn't exist. Please make them stop!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: NY

Complaint narrative:
I've made contact with the company more than once. The debt was result of an identity theft case in which the fraudster was caught and prosecuted where the debt was created ( a fraudulent apartment lease ). The company that created the lease using the fraudster 's fake ID and fake name ( which did not match my name on my credit file ), was present at the trial. They requested NCC Business Services stop making attempts to collect this debt in the amount of {$7100.00} for a lease that was abandoned and property damages. In XX/XX/2015 NCC provided me with a copy of the lease and ID, both in a fake name, and a fake ID of the young man who was charged in the District Court of Maryland XXXX  County. Despite providing my driver 's license and the more than 20 fraud accounts that were created by this criminal, NCC Business Services remains the sole business that continues to attempt to collect and is damaging my credit file with this fraudulent account. I've contacted this business more than 10 times, providing all requested documentation, and yet they refuse to do the lawful thing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent in a second 609 letter on XX/XX/2019 asking all 3 credit bureaus to verify collections that are reporting on my account that do not belong to me! XXXX bureaus have removed the accounts and XXXX and experian have not gotten back to me it has been over 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: SC

Complaint narrative:
I called XXXX XXXX to try to get my loan payments lowered. I spoke to a representative XX/XX/2019 and she stated that I needed to recertify and choose a better IDR plan for a lower payment plan of {$68.00} a month. I did exactly what the representative told me to do. However, when I called XXXX XXXX on XX/XX/2019 at XXXX a representative stated that I could not change my IDR plan because I needed to make 3 consecutive payments before I could change the plan. I tried to explain the representative that the other representative I spoke with on XX/XX/2019 never stated anything about that and how I did everything she told me to do but the representative I spoke with was not trying to help me and got an attitude with me ; she stated that I had three months to pay XXXX which would be XXXXeach month and she also stated that I would not have to Pay anything until XX/XX/2019.The representative was no help with assisting me ( consumer ) ; she did not try to find a solution for me and all I wanted to do was get lower payments. 
XXXX ( XX/XX/2019 ), I tried to call XXXX Representative to see if someone could assist me and figure out a way to get me lower payments and the representative ( s ) were no help. The representatives kept transferring me. The first representative did not mention anything about not being able to change my IDR plan and the 3 consecutive payment but when she transferred me to another representative the representative was not helpful as well. She stated that I had to make a payment of XXXX on XX/XX/2019 and my new payments would be XXXX on XX/XX/2019. It seems to me that all the representatives need more training because they are supposed to be there to assist and answer questions. They were definitely not able to answer certain questions and did not even take the time to try to find a solution to help the consumer ( me ), especially when Im willing to make payments. The last representative I spoke with definitely did not help me, it was as if he went off of the previous representative words because as soon as spoke with him, he stated that the representative explained what was going on and basically went off her word instead of his own judgment/ solution. I asked the last representative about doing an appeal or a complaint and he stated that XXXX XXXX do not have appeal forms and he stated that he did not know what CFPB ( XXXX XXXX XXXX XXXX ) and never heard of it ; XXXX XXXX  Representatives need more training on a lot of information so that they are able to assist consumers instead of giving them consumers false information and the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: NC

Complaint narrative:
I am a victim of identity theft. The fraudulent items attached are not mine. I pay all my bills without an issue. I refuse to be responsible for fraudulent items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Withdrawal was made from my checking account for {$5900.00}. I called my bank to find out who authorized this payment and was told it was from a debt collector. I then called said debt collector and was advised a judgement was placed against me for a supposed debt owed in the amount of {$3100.00} from 2008. I was not notified of said judgement or that any legal action would be taken. They are refusing to return my funds. Also more money was taken from me then Is supposedly owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2019 I pulled and printed my Equifax credit report. A company named XXXX XXXX was reporting inaccurate information, which claims that I owe {$1300.00}. I then mailed a certified letter of a formal notice of disputing the claim. I mailed it through the US Postal service on XX/XX/2019 to XXXX   XXXX at the address listed on my credit report of XXXX XXXX XXXX XXXX, IL XXXX. 

On XX/XX/2019 the letter was returned to me saying " Return to Sender/ Not Deliverable as Addressed/ Unable to Forward ''. So the address on my Equifax credit report was invalid. Then on XX/XX/2019 I sent a certified letter through the US Postal Service to Equifax stating there is an inaccurate item being reported on my credit report from XXXX  XXXX. And that I contacted XXXX XXXX at the address listed on my credit report XXXX XXXX XXXX, XXXX, IL XXXX. I enclosed a photocopy of my mail being returned from the US post office due to an invalid address. I said in the letter that given the furnisher has provided false information to them about me, and provided them with a false address, I demand that the item they are reporting be removed immediately. Equifax received the certified letter on XX/XX/2019. It has been over 30 days and Equifax has not responded back to me nor removed the item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 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: NC

Complaint narrative:
I am a victim of identity theft. The fraudulent items attached are not mine. I pay all my bills without an issue. I refuse to be responsible for fraudulent items on my 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 2019-03-28 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: NC

Complaint narrative:
I am a victim of identity theft. The fraudulent items attached are not mine. I pay all my bills without an issue. I refuse to be responsible for fraudulent items on my 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 non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I sent a {$1000.00} to a friend through XXXX money transfer on XX/XX/2018. The transaction appeared to be successful but up till now my friend did receive it. I called the Bank of America from where the transfer was made they insisted that it was done by XXXX online and that it was not their problem. I contacted XXXX, who insisted that the sent the money and gave the confirmation number. But my friend contacted her bank, XXXX XXXX who said they did no get the money until now. I suspect fraud and want my money back. XXXX asked to file a complaint with you and that is why I am doing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: AL

Complaint narrative:
Experianisrefusingtodisputenegativeitemsonmycreditreport.Theirexplanationisthattheitemsweredisputedoncelastyearandverifiedasaccuratesotheyarerefusingtoinvestigatefurther.Mycredithasimprovedsignificantlyinthepastyearduetoinaccuraciesbeingremoved.IhaverecentlyissuedadisputewithXXXXregardingthenegativeitemsonmycreditprofileandallnegativeitemsandevensomeinquirieswereremoved.
XXXXadvisesmetonotifyeachindividualcreditbureauofthechanges.IcalledExperianacoupleofdaysagoandtheyarerefusingtoreinvestigatethenegativeitems.Experiansrefusaltoremovenegativeitemsfrommycreditreportisbothillegalandunethical.

XXXXwasthesourceoftheirinvestigationtoverifytheitemsduringtheinitialdispute.XXXXhasagreedthattheinformationinmycreditprofilewasinaccurateatthetimeandtheypassedtheinaccurateinformationontothecreditbureaus.XXXXhasrectifiedtheerrorbyremovingthenegativeitemsandeachcreditbureauisrequiredtodothesame.

ShouldExperiancontinuetomaintainthatthenegativeitemsonmyreportarevalid,Iamrequestingwrittendisclosureofthesourceoftheinformation.Pleaseindicatename,date,andtelephonenumberforthesourcewhoverifiedeachnegativeitemonthereport.IamentitledtoreceiveddetailsregardingyourmethodofinvestigationasoutlinedintheFCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
I have a debt collection reporting on my credit that is not mines. This debt originated from a utility bill through XXXX in which I have never had services with them. This information appears to be frivolous due to potential fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: NY

Complaint narrative:
I am a victim of identity theft. I refuse to be responsible for an account that does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: CA

Complaint narrative:
Allied Interstate calls 10-15 times a day from various phone numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: OH

Complaint narrative:
Ireceivedanegativeremarkonmycreditreport;TheaccountwasopenedonXX/XX/2018fortheamountofXXXXfromDesignedReceivableSolutionsrepresentingXXXXXXXXXXXXHospital.IamXXXXandhavebothprimaryandsecondaryinsurancewhichissupposedtopayforthesemedicalbills.IneverhadagoodunderstandingofcreditsoIallowedtheseremarkstobuildup,andnow,asIamworkingtorepairmycredit,IamfacinganumerousamountofthesefalsechargesandIhopethismattercanbelookedintoasagestureofgoodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I have a debt collection reporting on my credit that I do not recognize. I have no knowledge to where this debt originated from. It states a school that I never attended for services that I have never used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclays us bank deleware FDIC complaint # XXXX ) that was referred to the cfpb in XXXX XXXX not yet recorded on my file at the cfpb barclaysusbank of deleware accessed my personal credit reports eleven years ago and put a joint liability Undesignated owner account With beneficiaries Unknown to me It has remained on my credit without my knowledge or authorization for eleven years I reported it to the fdic after pulling my credit after being denied a loan in XX/XX/XXXX I have been trying to obtain the account history of all monies transferred in and out of these accounts and purchases ever since via email mail and phone Their barclaysusbank letter of XX/XX/XXXX stated That a copy of the electronic application was enclosed with their correspondence It was not Also as joint owner of the accounts I have lawful rights to obtain the information regarding the transactions of this account And all the Names of the beneficiaries And monies used transferred and money instruments purchased thru the luxury us bank My credit report specificAlly states UNDESIGNATED OWNER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax report judgement on my credit report incorrect information need be remove from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Opened checking/savings account with overdraft protection at BB & T in XXXX. Stopped using the card around XXXX, went to re-open my account in XXXX of XXXX I was told I was denied because of me allegedly trying to overdraft my account, when I never did. I asked her if I could dispute it. She said that she had to send me a letter in the mail but it never arrived. I never tried to overdraft my account once, so my unpaid bank fees need to be dismissed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: NC

Complaint narrative:
I am a victim of identity theft. on my credit report is information that does not belong to me. In fact its the same company with more than one account, which I don't see how its possible. I pay my bills that are mine as can be seen by looking at my report, but I will not be held liable for fraud or error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Cmre XXXX XXXX  medical still showing on my credit report after being paid by law office and disputed three times with company I have letter of paid in full to be removed from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have on multiple occasions reported to XXXX card that all charges on my credit card were fraudulent ( XXXX Credit Card ) I have always been told that it is being investigated but there has been no resolution. The fraud dates back over 6 months and XXXX will not complete and correct the account. I tried disputing with Experian and they advised that XXXX said the I formation was accurate.

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