vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I filed a XXXX XXXX XXXX complaint against XXXX XXXX XXXX on XX/XX/2018. I disputed these accounts through Chexsystems and XXXX XXXX XXXX. The accounts came back " verified '' with no attach proof. My filing with the XXXX resulted in XXXX XXXX XXXX producing paperwork of transactions that went on with these accounts. That is not what I requested. I specifically asked on the first line of my complaints for copy of the signatures used to open these accounts so I could compare them to my own. I have never opened accounts without providing my signature and my ID. So, XXXX XXXX XXXX has completed ignored that request and produced a stack of irrelevant papers containing account transactions and refused to delete their damaging and incorrect reporting. According to the documents it seems no money is owed to XXXX XXXX XXXX, but they have listed fraud next to my name in reports with XXXX XXXX XXXX and Chexsystems. If they are suspecting fraud, they should have no problems complying with my demand for validation of signatures and IDs used to open these accounts. I have a right to know whether or not they collected valid identifying information. It seems they are dancing around this and opened these account for someone and did not collect validating documentation.

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 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I notice a fraud statement was posted on my credit reports on XX/XX/XXXX.  It seems XXXX  unlawfully created this statement and it was shared with the XXXX and Experian. I immediately called all three bureaus to get it removed, since I did not issue such a statement. XXXX  and XXXX   immediately took the statements down. The Experian rep said they needed something in writing to take down the statement. I faxed them a written statement and my identification that was on XX/XX/XXXX It is nowXX/XX/XXXXand the statement is still on my report. I never issued such a statement nor do I authorize it to be on my 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 2018-04-19 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: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
DATE : XX/XX/XXXX RE : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX. 

RE : Hyundia account # XXXX Dear CFPB : I spoke with XXXX XXXX from XXXX XXXX XXXX regarding my paid off old auto loan that is now disputed with XXXX. I sent Hyundai and XXXX   two disputes on XX/XX/XXXX regarding five late payments, they where never late Hyundai did not credit the payments on time. They simply said they were accurate and I needed to provide then " additional supporting information ''. 

I had spoken with XXXX XXXX from XXXX today XX/XX/XXXX and found the Hyundai account not reporting the entire payment history beginning XX/XX/XXXX-XX/XX/XXXX.  There is four years of payment data history missing and I asked Hyundai and XXXX ( XXXX XXXX ) to include that payment history because it is not showing on my account. 

As per the Fair Credit Reporting Act information must be one hundred percent accurate and verifiable. Simply reporting the late payments and excluding the positive payment history is misleading and I am asking XXXX  to include all the payment history in the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: Westlake Services, LLC
State: TX

Complaint narrative:
There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. 
XXXX XXXX XXXX Repossessed no balance due! Account never fulfilled WestlakeFinancial- Never Opened ( fraud ) XXXX XXXX never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. 
XXXX XXXX XXXX Repossessed no balance due! Account never fulfilled XXXX XXXX- Never Opened ( fraud ) XXXX XXXX- never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX- Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!

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 2018-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
This complaint relates to a totaled XXXX XXXX XXXX. The car was towed to BMW Account # XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The car stayed there about a week when I was told by the service manager XXXX XXXX to come get my belongings out of the car because it had been totaled out by XXXX XXXX XXXX. And was being towed away. I received a refund check for the state taxes I had previously paid for the car from XXXX and everything seemed to be fine. On my way out XXXX the salesman came to talk to me and stated that since my old car was totaled I should purchase a new car. I told him I was not interested in paying this much again. His manager came out and showed me their loaner cars and said that's what his family drove brand new with just a few miles on them. I paid them {$3000.00} on the spot. I also paid my car payment and had recently paid my car which was totaled on XX/XX/XXXX which was {$530.00}. A week later I receive notification that XXXX had not added a sports package to the assessment and that the car was NOT totaled so I needed to pay them again. I explained I could not pay for 2 cars since they had assured me that the car was totaled. They tricked me into believing that it was paid for. I have been with them since XXXX with no late payments and I am asking that this late payment be removed this is a dispute between them and XXXX. BMW financial is saying they have no control over what their lots do and are not affiliated with them personally. I explained to them they have the same name, the same logo and this is where I purchased my last 3 cars and no one told me otherwise. I even called BMW for a tow service they refused and this led to the car being ruined. Had they come when I asked the vehicle would have never been flooded. For a car over 50k they should have made an effort to get it themselves rather than making a claim. BMW is ruining my credit I called them at least 6 times requesting they work this out with XXXX because they were made aware that XXXX was reassessing the damage. I want this mark removed from my credit. I have not had a late payment on my credit. This is taking it down to fair status when previously it was good and as we know these marks last for upwards of 7 to 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I have been paying my student loans for more than 10 years thinking that I was accruing the eligibility requirements for participating in the Public Service Loan Forgiveness program. At no point was I notified by my loan service provider that the federal loans I had did not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc.
State: TX

Complaint narrative:
A company called California Business Bureau is reporting on my credit reports medical debt from XX/XX/XXXX-XX/XX/XXXX. I have sent certified mail asking for validation and proof of surety bond in the state of Texas, which they do not have. I live in Texas. The company 's address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The Texas Secretary of State debt collector website search shows no surety bond in the state of Texas. According to Texas Finance code 392 they must remove all entries from my credit reports with all three bureaus and may not sell or transfer these accounts. I am also aware that I could sue them and be compensated for their illegal debt collection practices on each instance they are reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Approximately {$2000.00} taken by terrorists using ATM, Static webpage, teller and or merchant accounts from my Santander Bank account XXXX also illegal use of XXXX and other hacker technology to prevent me from opening a claim and XXXX XXXX   intercepted calls to Sanrander fraud and bank departments.

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 2018-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Hello, My Name is XXXX XXXX. I am contacting you to address my concern/ complaint against PNC Mortgage as they have not followed through and complied with the law in accordance with Loan Modification due to desaster ( Hurricane Harvey ).

I was laid-off from my employment due to Hurricane Harvey on XX/XX/XXXX ( currently employed as of XX/XX/XXXX and not able to bring my account current due to unemployment ).

I had contacted my mortgage company ( PNC Mortgage ) inXX/XX/XXXX and informed them of my situation and they placed my loan on Forbearance for six months. During that time, I was in constant communication with my mortgage company and was asked to send in a hardship package if not able to bring the loan current. I did just that in XX/XX/XXXXand I was told the loan could not be reviewed for modification since it was in forbearance and to wait until forbearance ends. My forbearance ended on XX/XX/XXXX. As requested, I emailed the documents to my assigned rep XXXX XXXX on XX/XX/XXXX to make sure they received the documents as the forbearance ended as requested by the rep. Now I'm being told it was not reviewed and that my loan will go to foreclosure proceedings on XX/XX/XXXX. Today, I was asked to send the package again, and I have sent it in again for the 3rd time. I am extremely frustrated with PNC 's process and their representatives do not know what they are doing as they continue to provide wrong information. I do not see any accountability here. When I asked to speak with the manager in-charge I get placed on a long hold and transferred to XXXX XXXX   voicemail. I have done everything I was asked to do and complied with all requests furthermore I have been calling PNC every week and keeping in touch with them. I have explained my situation to them several times and that I do not wish to lose my home. I only have close to {$12000.00} left on my mortgage and am getting this run around by PNC. Please investigate my complaint as I do not wish to lose my home. Thank you kindly. XXXX XXXX ( PNC Acct # XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX , Texas. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX is committing fraud by re-aging ( changing the date of charge-off ) on at least one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX18, XXXX XXXX XXXX XXXX contacted my spouse gave him specific details on my account, such as lack of payment, non payment dates, threats to shut his card off, My spouse is not on any of my accounts nor am I on his. When i spoke to rep she continued to talk over me even after i informed her of bankruptcy. calls. Would come form restricted numbers several times daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Acct Number ending XXXX Amount owed {$680.00} Bank America has been continuing to report to all the major credit bureaus that a fraudulent credit card that was opened under my social security is mine ( XXXX ), although they are fully aware that I am a victim of identity thief. 
Bank of America has continually used abusive, unprofessional and XXXX style tactics in their behavior with addressing this matter. In one of their only recent correspondence via a call with me they stated that a checking account from XXXX XXXX was used allegedly by myself to make payments as well set up this secured account They also stated if XXXX states that this checking account was a fraudulent account they would remove this from my credit bureaus. However, in their written correspondence they are now stating they would reexamine the matter. 
I have been in contact with XXXX and they have stated that I am not indebted to them from any accounts, therefore they will not provide any documentation for Bank of America. Also, that it is questionable, troubling and ridiculous that Bank of America would require another banking institution to provide such a letter to assist a consumer dealing with identity thief. 
Also, very important to note ; that Bank of Americas follow up statement to my original CFPB complaint, stated that XXXX confirmed that this above-mentioned checking account had my matching Social Security number. XXXX XXXX and Customer Advocate team stated and confirmed to me directly, per the companys policies and procedures they would never disclose sensitive private information about any consumer without a court order, to any third parties for liability reasons. Which means B of A completely and utterly fabricated lied about that entire encounter. ; troubling and disturbing. 
And most important, they B of A have stated ; they would be happy to remove the account if I pay them the monies owed ; regardless to fact, I have repeatedly stated Im an identity thief victim, which is blatant extortion ; again, extremely troubling and disturbing. 
Finally, Bank of America has continued to move the goal post, for me to effectively receive any kind of favorable outcome, also there are countless similar cases and situations ( hundreds of articles throughout XXXX, of questionable abusive tactics and practices involving getting monies from consumers ), where B of A has behaved in this manner.

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 2018-04-19 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: CT

Complaint narrative:
DATE : XX/XX/XXXX RE : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 

RE : XXXX account # XXXX Dear CFPB : I spoke with XXXX XXXX from XXXX XXXX XXXX regarding my paid off old auto loan that is now disputed with Experian. I sent XXXX and Experian two disputes on XX/XX/XXXX regarding five late payments, they where never late XXXX did not credit the payments on time. They simply said they were accurate and I needed to provide then " additional supporting information ''. 

I had spoken with XXXX XXXX from Experian today XX/XX/XXXX and found the XXXX account not reporting the entire payment history beginning XXXX. There is four years of payment data history missing and I asked XXXX and Experian ( XXXX XXXX ) to include that payment history because it is not showing on my account. 

As per the Fair Credit Reporting Act information must be one hundred percent accurate and verifiable. Simply reporting the late payments and excluding the positive payment history is misleading and I am asking Experian to include all the payment history in the record.

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 2018-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Since the beginning of 2018 I have been trying to contact XXXX to have my account credentials reset. It appears they have updated their systems and my account credentials no longer work. I simply just want to get access to my statements online, however after 3 months of calling and emailing, they are still unable to action this simple request to provide me access to the information on my loan accounts.

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 2018-04-19 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: NY

Complaint narrative:
I tried to call Experian to temporarily lift the freeze on my credit but the automated voice asked for a PIN number that I did not have. I did submit my social security number and other info it asked for. When I could not give my PIN number there was no way to speak to a live person or continue the process. So, how can I get my credit freeze lifted?

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 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: DE

Complaint narrative:
On XX/XX/XXXX XXXX XXXX ( cardmember services ) took {$93.00} from my account. This was arranged. On XX/XX/XXXX another {$93.00} was taken. I called to have the additional payment reversed and was told to wait until it posted. The company reversed both payments ( should only have reversed one ), plus a {$25.00} fee for each. Now a {$93.00} ( which should not have incurred a late fee ) has swelled to {$230.00} ( plus additional interest on the inflated amounts ) Noticing my account on XX/XX/XXXX, I again called to resolve this matter and was assured it would appear corrected on my new statement. XX/XX/XXXX, more interest fees for XX/XX/XXXX payment without correction. The company is reporting delinquent/late on this account to the 3 reporting agencies which is seriously impacting my credit score

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