vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have tried to modify my loan currently held by Specialized Loan Servicing. I  believe this loan is a predatory loan as the interest rate is 11.3 %. It is a purchase money loan which I got before the financial crisis that occurred about 10 years ago.. I did not receive any invoices for quite a long time and was told the loan had been forgiven. I'm now told by SLS that I am in default and risk foreclosure. Between having thought the loan was forgiven, the missed payments and the exceedingly high interest rate SLS is telling me I owe them 1/3 of the amount now owed on the loan. The balance is much higher than the original loan amount and I just can not afford that kind of payment They just refuse to work with me and denied my request to modify my loan. This lender is not considering that the current interest rate on my loan is completely out of line with interest rates that have been granted in the last several years.

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 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RNN Group, Inc
State: TX

Complaint narrative:
RNN Group rep XXXX, a manager, has contacted my employer for over a week and my manager has requested repeatedly that RNN Group not call and they are not releasing any information without written consent from an employee. I have called the number back only to get a voice mail every time. I have left voice mail requesting them to stop calling my work. Today XX/XX/2019 they have contacted my employer three times. XXXX is requesting my social, birth date, work hours be verified.

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

Complaint narrative:
XXXX allowed XXXX XXXX to reinsert their account back on my credit report and not notifying me within 5 days of doing it XXXX XXXX account been deleted for sometime and out of no where it's back on my report with no explanation which ruined my credit score again ... I want XXXX XXXX to leave me alone that they already did enough damage to my credit report and not giving me due 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 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
As of XX/XX/2019, I have been receiving numerous back to back calls from different states such as Florida, Missouri, Louisiana, Illinois, Ohio, Arizona, Colorado, California, New York and Maryland. As of today XX/XX/XXXX i finally answered the phone and it was Portfolio Recovery in Utah. I asked them why have they been calling me back to back or every hour from different states. He states that they have different businesses in several states. I informed them that at this point they are harassing me calling me like this when I dont have a reason to speak with them. I dont believe that it is right for them to harass me like that especially calling me back to back every hour 2 or 3 times from different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Keystone Credit Collections Inc.
State: CA

Complaint narrative:
Caller sometimes calls himself XXXX XXXX and others times XXXX XXXX. He has called me several times on my cell phone and at work. Most times 5 mintues apart. He has contacted my family members stating that there is a complaint against me and they are trying to locate me. Caller leaves messages on my work and cell phone asking for family members and stating that they are warning them to get me to call back or they are going to file the complaint. Each time they reach out to someone they use a different name and different company name. Sometimes it's XXXX XXXX and other times it's Keystone Group. I requested the address and was given the address of a XXXX store in New York. I have requested and my family has requested they stop calls. Caller will never give info to me without me giving SS # and birthdate.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-08 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: AZ

Complaint narrative:
I've been trying for over a week to contact someone, a live person at Experian. They make it impossible when you call to contact a human being. I am having an issue unfreezing my credit report using their online and automated phone systems and they've made it impossible to speak to a live person at their offices. XXXX and XXXX were able to lift my freeze with no problem. I've been having this issue for a week. They asked I send incredibly sensitive material to them in THE MAIL in order to unfreeze my credit. They want a current utility bill, a copy of my drivers license and my social security card. That seems incredibly risky to send via mail. I sent the items via priority mail overnight but I need to see if they've unfrozen my report yet. I am trying to take advantage of low interest rates and refi my home and can not do so until all three bureau 's are unfrozen. I actually even called a number they have listed for their XXXX, Tx location and used the directory to try to contact a person. I got in touch with XXXX XXXX who answered the phone. He was rude and told me he couldn't help me, so I asked to speak to his manager, and he said " well he's not going to be able to help you either ''. I stated that was fine, but I'd like to speak to his manager anyway, and then XXXX hung up on me. After calling multiple times over the course of a literal week and finally getting in touch with someone to be hung up on is absurd. They are holding my credit hostage and they have absolutely no customer service to speak of this should be illegal. This impacts me, they need to have a customer service line. 
They need to contact me. My credit is still frozen 4 days after they received my items to unfreeze it, they haven't contacted me. I need to speak to someone.

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 2019-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: OR

Complaint narrative:
frequent robo calls. they say to contact Radius Global Solutions at XXXX. 
I have no debt nor have I ever used or had contact with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens bank in XXXX XXXX also known as Citizens Financial Group has issued with platinum and platinum plus checking accounts. Platinum checking accounts require a {$25.00} k relationship balance. When accounts are opened at the branch the accounts are rarely linked properly. Some customers have been assessed fees since 2016. The bank knows this and has done nothing about this. The same issue happened previously with circle gold accounts and the bank had to issue reinbursements. This needs to stop and Citizens needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREAT LAKES
State: GA

Complaint narrative:
I have Student loans that have the wrong address and spelling on the account. The accounts owed are not mine. I have disputed these actions. They have taken the accounts off and then put them right back on. The accounts are ruining my credit. I have sent Dispute letters into the three credit breaus on XXXX, XXXX and XX/XX/2019 about this matter. On my Credit it states that I owe nothing in student loans but they are still saying I owe XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: EQUIFAX, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX, 2019 XXXX XXXX. XXXX XXXX Application Number XXXX XXXX, WY XXXX Weve helped protect your identity. 
Dear XXXX XXXX : Were XXXX XXXX XXXX and we handle everything related to the XXXX XXXX XXXX XXXX XXXX credit card. 
We received the correspondence you sent to the Consumer Financial Protection Bureau ( XXXX. No. XXXX ). You indicate an application was submitted for a XXXXXXXX XXXX  XXXX XXXX credit card using your personal information. You did not authorize anyone to view your credit file and state it is a violation of the FCRA. You request documentation validating your authorization or the inquiry deleted from your credit file immediately. 
No account was opened in your name. We requested the credit reporting agencies remove the inquiry from your credit report. It may take up to 45 days for the credit reporting agencies to update your credit report. 
We suggest you take the following steps to help protect your identity :

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

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME ALMOST IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT AS A RESULT OF THIS.I 'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear CFPB, I have applied for a credit card with Citibank. I am employed, my credit score is above 800 and I have a 13 years of credit history without a single miss-payment. My income is above the requirement for credit cards and I am employed. The only reason that comes to my mind about denial is my ethnicity and last name. I complained to the bank and they gave me a bogus broad term " credit report '' as the reason for denial of my application. I hope you can prevent their discriminatory behavior. 

Best, XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: GA

Complaint narrative:
I have made contact with this bureau on XX/XX/2019 and XX/XX/2019 in regards to an account that is on my report twice ( 1-Negative, closed account with status showing Collection account # XXXX and 2- Closed account with status of payment ( - ) with Paid Collection for account # XXXX ) the 2nd one being acceptable but disputed as accurate. I also disputed the accuracy of a Bankruptcy-chapter XXXX reporting on my report due to lack of acceptable verification, I sent them copies of letters to court requesting how they verify and from court stating they do not verify. I have also sent letter to XXXX requesting the same information. 
I am a XXXX veteran and I am in the process of trying to become a productive XXXX to assist in the health and nutrition of our community and these 2 issues are standing in the way with no fault of my own. I have requested the bureau to remove these items from my report immediately.

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 2019-08-08 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: GA

Complaint narrative:
I have made contact with this bureau on XX/XX/2019 and XX/XX/2019 in regards to an account that is on my report twice ( 1-Negative, closed account with status showing Collection account # XXXX and 2- Closed account with status of payment ( - ) with Paid Collection for account # XXXX ) the 2nd one being acceptable but disputed as accurate. I also disputed the accuracy of a Bankruptcy-chapter XXXX reporting on my report due to lack of acceptable verification, I sent them copies of letters to court requesting how they verify and from court stating they do not verify. I have also sent letter to XXXX requesting the same information. 
I am a XXXX veteran and I am in the process of trying to become a productive XXXX to assist in the health and nutrition of our community and these 2 issues are standing in the way with no fault of my own. I have requested the bureau to remove these items from my report immediately.

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 2019-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
To start of I made a purchase with XXXX using the prepaid American Express Bluebird debit card. I never receive my package and I was already having problems with receiving the package the next day like i was suppose to. So I contacted XXXX and they kept telling me to take it up with my financial bank that I use to make the purchase so i can get my money back when i filed a dispute. I sent everything the bank would need such as proof of conversation with the rep. from XXXX, police report, tracking information, and the reason why I was filing the dispute. They kept on denying the dispute and suspended my account and said i couldn't get another account with them. From what I was told when banking with a company they suppose to see why i never gotten my package and why the company XXXX took my money I spent and not try to at least send me a replacement for the product. Call XXXX Monday they still don't have any idea where the phone is. So Bluebird refused to credit me the money bank that XXXX basically took from me and Bluebird block my number from contacting them about the charge. I literally had to call on another phone just to tell them that XXXX still isn't trying to return my money. But all Bluebird supervisor could tell me is they can't pull up any information about the account since it is closed. Bluebird was wrong for not trying to help me get my money back. {$1300.00} is waaaay to much money to waste and i refuse to let it just be ignored.

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

Complaint narrative:
Sent a police report and ftc report on fraud from someone stealing my identity and opening false accounts in XXXX 2019 for collection XXXX XXXX XXXX TXXXX XXXX # XXXX $ XXXX and Equifax did not remove from my credit report even when all evidence was presented. very detrimental to my credit profile and need to be removed as soon as possible.

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

Complaint narrative:
I purchase a few items from Amazon online, amazon offered me discount not telling me that they actually open for me new credit card account with the synchronic bank without my consent and the understanding that this another account that I'm not interested at all! 
I returned most merchandise in the amount approx. of {$360.00} and more, Amazon personnel account consumer service from XXXX and XXXX,??? after going through my account charges and refund told me they refund me all the money, not telling me to what account they refund me the money? 
I called to the synchronic bank they told me they did not receive the refund from amazon, so someone is lying to me. 
This is a serious scam and fraud!! 
I suspect the scam is between, XXXX, Amazon consumer service, Synchronic bank, and Paypal. 
when a consumer wants to verify account correction charges and refound, consumer, become the victim of fraud by giving them round round forcing consumer to contact each institution separately refusing to make 3 way call so all side are online verifying the truth of charge and refund, there excused for that is saying its security issue, this is the way the commit the fraud depriving consumer of the truth they were out consumer in many hours on the phone like me take 10 months and over 30 hours on the phone with them and got nowhere. while on the phone they tell me to wait for few minutes while they cal to another side of this scandal then line disconnected, I call again and the round of the scam starts all over again. 
now last few months the synchronic bank report to credit bureau of my faulty debt thinking I'll be put on pressure to pay for fraudulent charges. I refuse to this extortion!

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 2019-08-08 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME ALMOST IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT AS A RESULT OF THIS.I 'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-08-08 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME ALMOST IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT AS A RESULT OF THIS.I 'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I borrowed {$5000.00} in 2006 from at the time, " XXXX XXXX XXXX " now called Younomics. Aside from the times I was in school, I have made payments on this loan. In that time I have paid {$8000.00} into this loan. I still owe them {$5200.00} AND an additional {$400.00} in accrued interest from when I was getting my Masters and Bachelor 's. By the time I finish paying off this loan, I could have used that money towards a house or a brand new car. This is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
reported XX/XX/19 Balance {$1700.00} Company Amerassist AR Solutions. 
This company has put this on my credit for collection. I have not given anybody my social info. This is fraud and i request to be taken off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
navient claims that I have three loans with them, I do but recall having three loans with them and requested promissory notes. I want proof of the loans.

Company response to consumer: Closed with explanation