vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested my credit file not my report, I needed to know what paperwork/contents were, how  XXXX   XXXX  and Experion/  XXXX   was verifying erroneous account information. Under section  609 o f FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.   I last spoke to  XXXX   XXXX   XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant 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 2017-05-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested my credit file not my report, I needed to know what paperwork/contents were, how  XXXX   XXXX  and   XXXX  /Equifax was verifying erroneous account information. Under section  609 o f FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.   I last spoke to  XXXX   XXXX   XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
There are  XXXX  accounts that do n't appear to be mine Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$2500.00} Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$560.00} Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$3600.00} Account #  XXXX  As of :  XXXX / XXXX /  XXXX   Amount : {$440.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My complaint is about the   XXXX   XXXX   account. This account is alaready payoff and close. I am supprised because still calling me me and the account is opened.     Regards

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 2017-05-06 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My complaint is about the sam club account. This account is alaready payoff and close. I am supprised because still calling me me and the account is opened.     Regards

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 2017-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Empire Acceptance Company, Inc.
State: GA

Complaint narrative:
I have re ceived 25 cal ls this and different family members as well received them.   The debt collector by the name of  XXXX   XXXX  and her co conspiracy has called my family and me saying the they are going to lock me up if I do n't pay an owe dept.    XXXX   XXXX    stAted they where a law firm by the name  of Empire a ssess management. Company. Well I asked for the lead  Attonerny nam e and bar number., he said that is private information.   He gave the address of the office  XXXX   XXXX   XXXX   XXXX  New York.    XXXX  (  XXXX  )  XXXX   XXXX  (  XXXX   )   XXXX   XXXX  the agent made a theat to come harm me if I do n't send the money  by    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: IL

Complaint narrative:
I have reported to equifax several times that the car judgement on my report is incorrect I also submitted the complaint to consumer finance which exeter finance responded and said they would have it corrected in 45 days but it took well over 45 days for them to correct it so it should be removed but now they stated it has been corrected however the account is still being reported as a charge off when it should be settled however equifax is still reporting it incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
CREDIT COLLECTIONS USA ACCT NUMBER  XXXX   XXXX   XXXX   XXXX  ORIGINAL CREDITOR   XXXX    XXXX   XXXX  I HAVE REPEATEDLY MADE REQUESTS FOR WHAT AND WHO IS THIS FOR. NO INFO AVAILABLE. XXXX   2012 ? DISPUTED THRU  XXXX  AND  XXXX . STILL NO EXPLANATION. NO IDEA WHAT THIS IS. NO RESPONSE FROM ANYONE. WHAT THE  XXXX ?

Company response to consumer: Untimely response
Consumer complaint received 2017-05-06 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: Receivables Management Partners, LLC
State: TX

Complaint narrative:
There ar e two n ew items appearing on my credit report that have refused to do a federal consumer item verify. The items are years ago and the company 's are not able to verify or refuse to acknowledge the identity theft on my credit report.     AI would like to have these items removed from all credit reporting agencies due to the refusal of the institution to provide adequate infomation : ite m 1. Ac count  # 1 { $750.00} Balance  XXXX   XXXX  Original Creditor {$750.00} High Balance  XX/XX/XXXX  Opened Date  XX/XX/XXXX  Last Reported Individual Account.    Responsibility Medic  al  Remarks irem  2. A ccount  # 2 { $64.00} Balance  XXXX   XXXX  Original Creditor {$64.00} High Balanc ee   XX/XX/XXXX   Opened Date    XX/XX/XXXX    Last Reported Individual Account.   Responsibility Medical Remarks Note

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this compan y  XXXX  s eries of documents and what they 've requir ed for my case. Still, am having issues with a creditor collection company on my report. Diversified consultant. I 'm wondering if Diversified Consultants pays this bureau under the table or just pays more than what is required but it makes me concerned. Diversified consultants have received also   XXXX   documents and the account was deleted off my credit rep ort, then they re-reported with the credit agencies.     I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a checkin account with Santander Bank. The account was opened   XXXX   XXXX   XXXX    . I have had regular bi-weekly direct deposits from my employer   XXXX   XXXX   of $  XXXX  /pay  period into this account. Sometime in   XXXX   Santander froze my account without warning for " suspicious activity '' .The account has not been used for any unscrupulous activity.   They account has about {$500.00} in it now. I can not withdraw money for the account to pay my bills. the bank wants me to come into the branch to verify my identity. I told them that I live far away from the nearst branch. However they will not listen to any reason adn unfreeze my account. I am also waiting for my {$150.00} bonus to post.

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 2017-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I already have a complaint  XXXX  on file and it was closed based on the response from Bank of America. They state we filed for Bankruptcy and that 's it. Bankruptcy was closed and the application  for Home Modification ha s taken place AFTER the Bankruptcy, for more than a year we tried to get a modification and BOA just kept stalling and demanding a payment of tens of thousands of dollars to stop the foreclosure during the modification process. The Bankruptcy ended  XXXX   XXXX  and they home was sold  XXXX   XXXX , DURING THE MODIFICATION PROCESS.

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 2017-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
After hearing many good things about Penfed, I decided to join around XX/XX/XXXX. I am in the process of repairing my credit, so I thought it would be a good idea to establish a relationship with a creditable credit union. Upon joining, I applied for a few of their products and I was denied. XX/XX/XXXX, I had some more updates to my credit report and score so I decided to apply for an auto loan. It was denied as well. On XX/XX/XXXX, I sent a request for a reconsideration. Knowing that Penfed uses the same credit report for 90 days, I asked that they pull a new report. I also included an explanation of the credit issues. On XX/XX/XXXX, I received a response from XXXX XXXX, a Loan Processor, acknowledging that my information was received. On XX/XX/XXXX, I also received a request from XXXX XXXX, saying that in order to process my request a freeze would need to removed from one of my credit reports. She said to fax, email, or email them the PIN for access to the credit report or let them know when it was removed. I contacted the credit bureau and paid the fee to remove the freeze. I then emailed Penfed to let them know that the freeze was removed on XX/XX/XXXX. On XX/XX/XXXX, I received a response from XXXX XXXX, loan processor, stating that the information had been received. On I believe XX/XX/XXXX, I logged in to see that the reconsideration was denied. Mind you that I get alerts for all score and inquiry changes, so I am aware when things update. There was no additional pull from Penfed, only the one that was pulled when I joined. I sent a message addressed to a manager on XX/XX/XXXX, asking why the new report was not used and as requested. I also inquired about credit criteria for small bill consolidation loan. I received a response from XXXX XXXX, loan analyst, indicating that my credit does not fall within their lending guideline. I fully understand that and I will continue working on my credit. What I do not understand is why they would say they would pull an updated report, had me pay to remove the freeze from the report, and they never pulled a new one or never acknowledged that they employees failed to do as requested. I have since asked them to close my account. I hoped to build a long relationship with them, but I they do not follow through with what they say they will do. I will continue rebuilding my credit and try for an auto loan again with a company a different credit union in a year or so.

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 2017-05-06 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:
This was a medical bill that I had medical insurace. I submitied my medical insurance and the medical insurance company did not bill me but sent it to  XXXX  collection agency that reported the debt to equifax. I provided the insurance information. I am told that the will notified all credit agencies. The debt still show up in my Equifax report. Date -  XX/XX/2015,   Amount  - {$240.00}. Equifax did not take any action

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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:
I BUYER MY HOME IN  XXXX   2007  AND GOT MORTGAGE WITH  XXXX . THE MORTGAGE WAS TRANSFER TO  XXXX . IN MY CREDIT REPORT I HAVE  XXXX  MORTGAGE COMPANIES OPEN FOR THE SAME TERMS AND AMOUNT. DATE -  XXXX   2007 , AMOUNT - {$490000.00}. I HAVE REPORTED TO EQUIFAX WITHOUT ANY ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclaycard US sent m e blank checks that I can use to write myself a check to transfer a balance at a promotional rate.     I wrote myself a check ( which was allowed per terms and conditi ons ). Two days   later, I get a call from their security team asking numerous verification questions. I spend half an hour on the phone verifying myself, I am finally thanked by them and told that the check would be processed.     A day later, I see that my bank is charging me back for the check ( meaning the check did not go through ). I then shockingly see th at BarclayCard US is chargin g me a " {$26.00} check return fee ''. My bank also charges a {$12.00} fee I call them on the phone, to get this resolved. The first customer service representative puts me on hold for  10 min utes then hangs up on me. The second customer service representative (  XXXX   ) t ells me that the fee is irreversible and fails to provide a reason why. I ask to speak to supervisor and threaten to submit a complaint.  XXXX , the supervisor finally gets on the phone and says that fee will be reversed because it should 've never been charged and reverses the fee.      Barclay Card US  also failed to process the balance transfer, honor the check or provide any explanation for why the check was rejected.

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 2017-05-06 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I am in an active wage garnishment fro m Pressler and Pressler. S o far they have gotten me for over  XXXX  and actively collecting another  XXXX . The docket numbers for the judgement are not found on any public record with the state of NJ in my name for this debt. I want my money back and I want them to resend this bogus claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I applied for a credit card wit h Wells Fargo  on  XXXX  2017. At t he time of the application I had a credit freeze on my credit report. I forgot to unfreeze it prior to the application. I received an email stating that the application was denied because my report could n't be accessed due to the freeze. I unfroze my reports then chatted with a customer rep to ask if I needed to fill out another application or if the initial application could still be considered. I was told to fill out another application. I asked if they were sure that the system would n't recognize it as a duplicate I was told no and to fill out another. I proceeded to fill out another application. The app went into a pending status. When I called for a status update it says app was denied because I just applied. Exactly what the customer rep told me would not happen. My  XXXX  report was pulled on  XX/XX/XXXX  for consideration of the first app. On Friday  XX/XX/XXXX , i was informed that the initial application was denied due to high balances and additional reasons. On  XX/XX/XXXX  my   XXXX   credit report was pulled TWICE ag ain by Wells Fargo. I ca lled to find out why my report was pulled twice the day after my app was declined. I spoke with  XXXX  at  XXXX  who told me all they could do was put in a request to    XXXX    to have  XXXX  of the inquiries removed but that it would not be gauranteed to be removed but admitted it was an err or of Wells Fargo. T his was an e rror on Wells Fargo pa rt and those inquiries should be removed. If my app was declined on the  XX/XX/XXXX  and was not being reconsidered they did not have permission to access my report twice by the same credit bureau again the very next day after the app was declined. In summary, I have   XXXX   unauthorized credit inquiries on my  XXXX  report both dated  XXXX   XXXX     2017 an d I want them removed.

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 2017-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
We continue to get early morning phone calls from  Ocwen Loan Servicing .  Today (  Saturday,  XXXX   XXXX   )  Ocwen called my home at  XXXX  and woke the entire family. Before I could get to the phone,  Ocwen hung up and did n't leave a message. I have repeatedly told Ocwen re presentatives to never call my home early in the morning - especially during weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I 've been trying to get installment pymnts they want work with me  n  give me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On   XXXX    , I submitted a request to Experian that they provide the method of verification on  XXXX  inaccurate accounts listed on my credit profile. This request was sent via certified mail and Experian received my request on   XXXX  . As of  X/X/17   , I have not received the requested information from Experian and the inaccurate accounts still remain on my credit profile and the results still remain as pending.

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 2017-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
There was an account opened wit h PayPal.com i n  XXXX  of  XXXX  by someone other than myself I was made aware of it on  XXXX   XXXX ,  XXXX  when my actual account was " limited until we hear from you '', I immediately contacted  PayPal.com  and was made aware of the fraudulent account with a balance owed of {$1100.00} that after several attempts to dispute was deemed to be a valid account, and I would be held responsible for the balance. The only thing on the account that was mine was the social security number the name was incorrect which I uploaded AND faxed  4 ( four ) f orms of ID to verify. The address which I had once lived at when I was very young was no longer correct nor was it correct at the time the account was opened. The email address is unknown to me, yet I am still being held accountable for this debt. The legal department w ith PayPal.com has y et to respond to my Fair Credit Reporting Act ( FCRA ) request for the information that I am entitled to as an identity theft victim which is crucial to me being able to prosecute whoever has done this to me. Be wary of this company they have treated me like a  XXXX   XXXX  refusing to give me information, hanging up on me and stating that I have absolutely no alternative other than to pay this debt that I do not owe.

Company response to consumer: Closed with non-monetary relief