vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In XX/XX/XXXX we obtained a 2nd mortgage with XXXX XXXX XXXX when we purchased our home. Several years later this mortgage was sold to XXXX. In XX/XX/XXXX we filed for Chapter XXXX   bankruptcy. We stopped paying on this 2nd shortly after and never received any further notification from XXXX. This no longer shows on our credit report.

In XX/XX/XXXX we decided to refinance our 1st mortgage. This was dragging out a bit, and in XX/XX/XXXX we were told we would have to clear the 2nd mortgage that showed up on our Title Report. We were shocked by this and tried to find XXXX, but they no longer existed. One small piece of paper that I found somehow linked XXXX to XXXX XXXX , who currently holds our 1st. I contacted XXXX, who told me on XX/XX/XXXX that this loan had been sold to SLS and they gave me a contact number. I contacted SLS on XX/XX/XXXX by phone and spoke with a representative who told me this loan had been archived in their system, but if I faxed my request for information, along with a copy of the title report they would work with me on how I could remove this lien. She said to expect it to take a few days for this to be done.

Later the same day, I faxed my request, along with a copy of the title report, to SLS. A week and two days later ( XX/XX/XXXX ), I called again and talked to a XXXX who said nothing had been done on it and she couldn't see a request. It was still archived. She suggested that I re-send my request and that I should hear back within 5 days. I re-faxed and also emailed my request on XX/XX/XXXX. I got a read-receipt from my email.

In the meantime, I'm having to communicate all of this with our potential new mortgage company.

On XX/XX/XXXX, I still had heard nothing, so I called again and talked to both a XXXX  and a XXXX, who were both appalled that nothing had been done. They said they emailed the proper department and that I should receive a phone call from someone later that day. They both implied that I should have received a response within 5 days.

Today is XX/XX/XXXX, we still have heard NOTHING.

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 2019-08-13 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: Nelnet, Inc.
State: WI

Complaint narrative:
Firstmark Services reported my student loan 30 days past due. I am currently enrolled in school and my loan should be in either deferment or forbearance. Payments have been made on this account for month after month and they were not willing to budge on a goodwill removal. I called in once and the first representative told me they could carry out the removal from my credit report and after not hearing anything, I called in again the next day and was told the exact opposite information. I have never seen a student loan that reported at 30 days past due. 60 days is the standard. This practice is a very poor one and crippling to students trying to get an education. No flexibility whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
FRANKLIN COLLECTION SERVICE report a debt of {$970.00} from XXXX. Debt has been removed from my credit report multiple times from different collection agencies but re-opened with agencies for years. FRANKLIN COLLECTION SERVICE has now opened the account again but refuses to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent a dispute letter to Trans Union on XX/XX/19 certified mail & return regarding an unverified Bankruptcy XXXX docket # XXXX ) and the method of verification .I received the return receipt showing that Trans Union received it on XX/XX/19. 

After 42 days I did not receive a response and mailed a non response letter regarding my original dispute on XX/XX/19 certified mail and return receipt. I then got the return receipt back stating that they received the letter on XX/XX/19. 

I called Trans Union to ask if the received my non response letter and they stated that they did not receive it.

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 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I notice the charge of XXXX  on my credit report and I have never in my whole life have ever had a credit card for that much money the most I probly ever had was me be XXXX  so I XXXX  I was trying to figure out what this was the company won't take it off but it is not mine so I had to do a density test report not only that I have disputed it with the critic bureaus many times he XXXX XXXX will not take it off they keep saying it's mine I want this taking off immediately it's ruining my credit and it's ruining everything in my life where I can not be forward it is definitely not mine it makes me very angry By social with a part of the XXXX XXXX security breach data breach and I wonder if I was a part of the XXXX XXXX as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX while on vacation in XXXX XXXX, I put  my credit card into an ATM and was quickly surrounded by five people while trying to enter information into the ATM.  While being distracted, the credit card must have come out of the machine and one of the five must have taken it.  When I couldn’t retrieve or find the card, the two men who had been there started walking quickly away.  It was then I realized my card had been taken, and returned to my hotel to report the theft. I reported the theft both on-line and with a phone call within an hour after the theft.  At the time of my report, cash had been removed and fraudulent charges made.  After numerous calls to the credit card company I was told I was not liable for those charges made on XX/XX/XXXX.However, on XX/XX/2019 I received a letter saying I needed to pay the $XXXX of fraudulent charges, along with transaction fees and interest.  The card company has closed the fraud investigation without warning or allowing us to dispute their letter.

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 2019-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
For the last month, I have been receiving threatening phone calls and text messages saying that I was seen cashing a check on video surveillance cashing a check at Check N Go. The person said they were a attorney office, and then verified my social security number. When I objected that I had not written any check to Check N Go or cashed a check at their store, the person on the phone became aggressive and called me a liar. I asked for her company name and address, and she began to tell me that I was going to be prosecuted ( XX/XX/XXXX ). ON XX/XX/XXXX, I received a test message from the following number XXXX with the following message " Ceck N Go/Hot Check Division your pending legal action. Please call XXXX to pay immediately you may be placed on Texas bad check warrant roundup list. '' I replied in a response text " I have never written a check to Check N Go. Clearly this is a mistake and or identity theft or someone is frequently framing me. I am filing a police report regarding this matter immediately. They refuse to specify the amount. 


I would like to have this matter investigated because I have received no written correspondence about this matter to my home or mailing address, and have not done business with this merchant. I do not even have checks, and I am tried receiving these threatening calls and text messages about this matter. Please investigate Check N GO and this matter in my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: U.S. BANCORP
State: WI

Complaint narrative:
XXXX XXXX reported my student loan 30 days past due. I am currently enrolled in school and my loan should be in either deferment or forbearance. Payments have been made on this account for month after month and they were not willing to budge on a goodwill removal. I called in once and the first representative told me they could carry out the removal from my credit report and after not hearing anything, I called in again the next day and was told the exact opposite information. I have never seen a student loan that reported at 30 days past due. 60 days is the standard. This practice is a very poor one and crippling to students trying to get an education. No flexibility whatsoever.

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 2019-08-14 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax currently has two credit files for me. Both file are mine with social security, number DOB, Name address. I have asked them to merge files and they refuse. This is a on going issue for the last three years. This occurred after the data breech they had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I notice the charge of XXXX on my credit report and I have never in my whole life have ever had a credit card for that much money the most I probly ever had was me be XXXX so I XXXX I was trying to figure out what this was the company won't take it off but it is not mine so I had to do a density test report not only that I have disputed it with the critic bureaus many times he capital one will not take it off they keep saying it's mine I want this taking off immediately it's ruining my credit and it's ruining everything in my life where I can not be forward it is definitely not mine it makes me very angry By social with a part of the XXXX XXXX   security breach data breach and I wonder if I was a part of the capital one as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: VA

Complaint narrative:
On XX/XX/2019 I submitted account disputes by mail concerning accounts that I did not recognize. Along with my disputes I also sent a CLEAR picture of my CURRENT state issued Driver 's License & a CLEAR picture of my XXXX XXXX XXXX XXXX with my CURRENT address ( that matches my ID ). With the understanding that the credit agency ( Experian ) had 30 days to investigate these disputed accounts, I received mail XX/XX/2019 from Experian stating that : They were unable to honor my request because I did not provide sufficient or legible information for them to verify my identity. I have copies and can provide upon request, all documents I mailed with my dispute, including the CLEAR pictures of BOTH my state issued ID & Utility Bill. I take this as nothing more than an attempt on Experian 's behalf to prolong the investigation of these accounts, in favor of the creditors who are clients/customers of Experian to give them more investigation time beyond 30 days.

The letter I received from Experian also ask that I send in copies of my Scoial Security card which BY LAW I am not obligated to do. All that is needed by law to process my disputes are a copy of valid state issued ID & proof of address such as a utility bill. All these requirements were clearly met and provided with my dispute.

Can you please investigate why Experian has not provided results from my disputes when I clearly provided required documentation to have my disputes processed. It is XX/XX/2019 and my 30 day investigation period is up. Thank you very much for your attention in this matter.

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 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
On XX/XX/19 I received a phone call from a debt collector ( TSI Prime Collections Agency ). They were attempting to collect a debt for {$390.00} from XXXX XXXX XXXX. In XX/XX/2019 I filed 2 fraud claims with XXXX XXXX XXXX. As of XX/XX/2019, the investigation is still in progress. Despite the long length of time it has taken to complete the investigation, XXXX XXXX XXXX assured me that they would not send my account into collections. However, this was clearly not the case, and it was sent to collections anyway. I am filing a complaint not only because of the false information I was given, but also the WRONG AMOUNT of the debt. TSI is attempting to collect a debt for {$390.00}, however, the original fradulent check was cashed in the amount of {$390.00}. Despite trying to get a straight answer from both TSI Prime and XXXX XXXX XXXX Recovery Department, neither one of them could explain the difference between the two amounts. I would like to request an explanation for the discrepancy as well as a timeline as to when the fraud claims will be resolved so that I can be cleared of all involvement with TSI and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: AZ

Complaint narrative:
I submitted a letter to experian about a fraudulent charge on my credit Report Number-XXXX. Account XXXX. I submitted a dispute. Within 7 days i got a response saying they found the charges to be accurate. I re submitted another dispute in writing about the issue and informed them that I was expressing my rights under fair credit reporting act, section 609 for them to re investigate the issues. It was reported to all 3 major credit bureaus. XXXX  and XXXX  conducted their investigation 's in around 26 days and concluded that they were fraudulent charges and an in accurate negative mark on my credit report and was removed immediately. Experian recieved my dispute and opened it and concluded it was accurate again. And it was on a weekend. They did not have time to conduct any type of real investigation. They are causing harm by increasing interest rates and higher down payments because they are to overwhelmed or not equipped to conduct accurate investigations like the other 2 credit companies. Or they dont have time because they have so many pending disputed because they allow un verified negative marks on consumers credit files. I requested verified documentation of the account being opened by me to be mailed to me if they can not neither I nor their agency are able to verify that it is actually an account opened by me with my signatures and they are unable to because it is a fraudulent account. And that they mail original copies to me and with names of people who they spoke with to verify that this is an accurate legit legal account opened by me. I have not recieved any response within 45 days except it was opened and closed with no explanation.

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 2019-08-14 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT WHERE MY PURSE WAS STOLEN. I PROOF FARS MY POLICE REPORT. I NEVER HAD TWO CARS AT THE SAME TIME AND THE NEGATIVE ITEMS IM DISPUTING IS NOT MIND THIS FRAUD. CAN YOU PLEASE HELP ; I CAN NOT MOVE TO THE NEXT LEVEL IN MY LIFE OR RECEIVE MY PROMOTION AT MY JOB WITH THE BAD CREDIT THAT I DID NOT DO.

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 2019-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I tried to get the loan and I got approved for it but when they told me rates I never got any money from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/2019,  I stated clearly to DISCOVER that I was taking the offer for balance transfer of 0% APR at 3% Transfer fee instead of the alternative 4.99% APR at 0% Transfer fee.  Then on XX/XX/2019 at XXXX XXXX they show an email notifying the transaction as made at 4.99% and 0% Transfer fee. I initiated a dispute by phone on XX/XX/2019 and although they sent an email without detailing my claim I did send an email summarizing my claim on XX/XX/2019, I received a vague reply on XX/XX/2019 indicating my dispute was address yet DISCOVER account site still shows the debt at 4.99% APR and 0% Transfer fee. How can DISCOVER make an offer with two alternatives and then stick to the one I don't like. Can you present my alternatives? Balance Transfer # XXXX for $XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 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: TX

Complaint narrative:
Hard Inquiries appearing but not placed b me the following Hard Inquiries were not made by me XXXX XXXX   XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX Equifax please provide all methods used to verify this as accurate nd all tools used to verify these accounts as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX I received a phone call from a debt collector XXXX XXXX XXXX XXXX XXXX XXXX. They were attempting to collect a debt for {$390.00} from Citizen 's Bank. In XX/XX/XXXX I filed 2 fraud claims with Citizen 's Bank. As of XX/XX/XXXX, the investigation is still in progress. Despite the long length of time it has taken to complete the investigation, Citizen 's Bank assured me that they would not send my account into collections. However, this was clearly not the case, and it was sent to collections anyway. I am filing a complaint not only because of the false information I was given, but also the WRONG AMOUNT of the debt. XXXX is attempting to collect a debt for {$390.00}, however, the original fradulent check was cashed in the amount of {$390.00}. Despite trying to get a straight answer from both XXXX XXXX and Citizen 's Bank Recovery Department, neither one of them could explain the difference between the two amounts. I would like to request an explanation for the discrepancy as well as a timeline as to when the fraud claims will be resolved so that I can be cleared of all involvement with XXXX and Citizen 's Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XX/XX/2019, US Bank withheld {$10000.00} of my money when it decided to close my account. Three months later, on XXXX XX/XX/2019, US Bank decided to return the money to the originating bank ( my account at the XXXX XXXX XXXX  ) via two wire-transfers that equaled {$7400.00} and {$2800.00}. On XXXX XXXX, the XXXX XXXX XXXX received {$7400.00} from US Bank. The second wire transfer of {$2800.00} never arrived at the XXXX XXXX XXXX, and its location is unknown. Currently, the position of US Bank is that it is not obligated to take further actions, such as identify the location of the remaining {$2800.00}, because it believes it fulfilled its obligation when it attempted to send the two wires.

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 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: LA

Complaint narrative:
I thought with Reg CC changes under Dodd Frank we were supposed to get XXXX the next day on delayed availability. BBT only still makes XXXX available the next day. Is this legal? I dont think 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