vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-11 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: Bliksum, LLC
State: CA

Complaint narrative:
I took a loan out with a company for {$2500.00} in XX/XX/2016. I ended up on XXXX, XX/XX/2016 and couldnt pay any more. That company sold my loan to another company called XXXX XXXX XXXX, XXXX. I have tried to call this company on different occasions but just get a recording. I have paid and settled this loan with yet another company that XXXX XXXX sold my loan to for the amount of {$2600.00} in XX/XX/XXXX. Both of these two previous companies are on my credit Report and I have tried to disput this with experience credit reporting agencies and the original creditor and I keep getting the same results. They refuse to acknowledge that the loan has been paid and Report it natively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Account number XXXX Fed Loan servicing. I was listed as a cosigner for the loan I was a victim of identity fraud, XXXX XXXX was Ex classmate in XXXX in college, I have not seen her or talked to her in 22years, I do not know where she is living now, The last time I had contact with her she was in XXXX XXXX, How she got my information to obtain the loan I was not aware of, I did no realized what was going on until I received a letter XX/XX/XXXX from Fed loan, I call Fed Loan to send me a fraud package to fill to proof to them that i did not cosign the loan, they refused, they made many promises for weeks and did not send the package. I filled a police report, contacted FTC and followed the recovery plan for identity fraud. I send documents to Fed loan servicing, XXXX, XXXX and XXXX to correct my credit record it were done by the credit companies. 
I call consumer advocasy the branch of FedLoan to made a complaints of the company failure to send fraud package, I was promised that the loan will be removed from my name. 
I continues to received daily even twice daily phone calls, every other day letters from Fed Loan claiming that they want me to repay the loan I made. I explained to them that my name should be removed from the loan, I did not cosign. I requested to see the document that they have about the cosigner up till now they refused to produce it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We sent to Select Portfolio on XXXX - XXXX XXXX a loan modification packet to modify our home loan to save our home Select portfolio is refusing to review our loan modification paperwork. 

We want to save our home and Select Portfolio is only interested in foreclosing on our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I received an email from this company that I could not open. I sent email to medical coordinator at a doctor office. On my first time at the doctors office I signed documents but none of them was this company, XXXX XXXX. Their contract was signed by the coordinator and not me. I never consent, agreed, or even seen any part of their contract until about one year later when Monterey Collections provided me a copy. Their contract was signed st the doctors office on a day I was not there. This means it was signed by the office and not me. I never signed or agree with this company loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

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 2019-08-11 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:
There is an inquiry on my Equifax report that XXXX XXXX placed, when they claimed they could not access my report. So I contacted XXXX and they sent me a letter stating that they would remove the inquiry. 

I have sent this to Equifax several times by electronic mail and us mail. I have called them 10 times on this matter and have been given 10 reference numbers, enclosed : REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Every time I check my report the inquiry is still there. The reporting company claims they have to dispute it. I asked why it takes longer than 30 days when a dispute should not take longer than 30 days to resolve or the item in question be deleted, as per the FCRA? They will not answer that. 

I have asked XXXX several times why is the inquiry still there and they can not answer that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: MI

Complaint narrative:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

I have contacted the bankruptcy court that the respective credit bureau is advising " verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE,  and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME. I have sent the bureau a letter, certified mail with a copy of this letter, as well as a copy of my postmarked envelope as proof of receipt of this document. The certified tags are ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) was received by their office on XX/XX/2019. 
They have yet to delete this from my credit reporting file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
to whom it may concern I was the landlord of XXXX XXXX XXXX, XXXX PA XXXX XXXX. The tenant failed her agreed obligated duty to pay for trash collection fees for a considerable time without acknowledging us, resulting in a 300 some Dolar accumulated debt to XXXX XXXX. 
We have since removed her from the property and paid XXXX XXXX {$350.00} on XX/XX/2019 over the phone with a spoken acknowledgment that the debt is cleared. 
But after XX/XX/XXXX, we still receive a letter every two months from Caine & Weiner with a debt collection letter with interest own addition to the debt. I've contacted both Cain and Weiner and XXXX XXXX regarding this issue 3 times on three different occasions and ended with no solution nor answers I need. I'm very concern for my own credit rating and the future impact this may have. 
The property is sold on XX/XX/2019 and I no longer have the property. But I receive the same latter from Caine & Weiner today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
There is an inquiry on my XXXX report that Comenity Bank placed, when they claimed they could not access my report. So I contacted Comenity and they sent me a letter stating that they would remove the inquiry. 

I have sent this to XXXX  several times by electronic mail and us mail. I have called them 10 times on this matter and have been given 10 reference numbers, enclosed : REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Every time I check my report the inquiry is still there. The reporting company claims they have to dispute it. I asked why it takes longer than 30 days when a dispute should not take longer than 30 days to resolve or the item in question be deleted, as per the FCRA? They will not answer that. 

I have asked Comenity several times why is the inquiry still there and they can not answer that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Update to a complaint from late XXXX, Bank of America overdraft fees now elevated to {$210.00} in the last thirty days. 

Bank of America customer service claims that due to prior federal law enforcement intervention they are required to " treat all customers fairly and equal '', and that recent bank policy prohibits them from reversing more than {$140.00} in overdraft fees in a year. Cited extenuating circumstances due to faulty administration of a XXXX XXXX Trust, no regard for that whatsoever. 

Extenuating circumstances : Trustee refuses to disburse since XXXX of 2018 and demands I properly budget my Social Security and use government services designed to help the XXXX, causing severe global problems related to my welfare. Matter under investigation by Adult Protective Services and XXXX County District attorney 's office. 

Bank of America has not treated me fairly or equally.

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 2019-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX 1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11.  NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX* ACCOUNT 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 2019-08-11 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: MI

Complaint narrative:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

I have contacted the bankruptcy court that the respective credit bureau is advising " verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE, and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME. I have sent the bureau a letter, certified mail with a copy of this letter, as well as a copy of my postmarked envelope as proof of receipt of this document. The certified tags are ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) was received by their office on XX/XX/2019. 
They have yet to delete this from my credit reporting file.

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 2019-08-11 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: MI

Complaint narrative:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

I have contacted the bankruptcy court that the respective credit bureau is advising " verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE,  and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME. I have sent the bureau a letter, certified mail with a copy of this letter, as well as a copy of my postmarked envelope as proof of receipt of this document. The certified tags are ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) was received by their office on XX/XX/2019. 
They have yet to delete this from my credit reporting file.

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 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanHero, Inc
State: FL

Complaint narrative:
I received an email from this company that I could not open. I sent email to medical coordinator at a doctor office. On my first time at the doctors office I signed documents but none of them was this company, loan hero. Their contract was signed by the coordinator and not me. I never consent, agreed, or even seen any part of their contract until about one year later when XXXX XXXX provided me a copy. Their contract was signed st the doctors office on a day I was not there. This means it was signed by the office and not me. I never signed or agree with this company loan.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been trying since XX/XX/XXXX to purchase a home and have had my credit pulled several times but the Equifax does not provide my report to the Morgage brokers ( 2 different companies. I have tried over 53 times to correct the issue to no avail. Lenders receive error message of some type of fraudulent inquiry and they have not been able to pull my credit from Equifax this is holding me up. I have called on : XXXX - XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX,XXXX/XXXX, XXXX/XXXX,XXXX/XXXX, XXXX/XXXX, XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX, XXXX/XXXX,XXXX/XXXX XXXX - XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX, XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX ,XXXX/XXXX,XXXX/XXXX,XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

Since this company 's repeated failures would indicate an inability to provide me with validation as in accordance to the FDCPA, I demand that they cease all collection activities, close this account, and cease any and all reporting to all credit bureaus. I demand an immediate deletion to all credit reporting agencies. I demand that this be acknowledged and provided to me in writing for my personal and legal review as well as for my records. 

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified Consultants Account XXXX Amount ; {$2700.00} Company received merchandise backed as a result of a trade in device. Paid final bill and company is attempting to Collect on a late fees that were generated as a result of them not canceling all lines on the account as requested when the account was pulled and merged to a different provider. XXXX failed to cancel this account. I have spoke with numerous of executive offices who have not settled the matter. Please display documents and multiple phone calls and notes from agents to display my request. Please note that if we owed any said money to XXXX at time of transfer the request wouldnt be accepted the company was billing for lines that were canceled and devices turned it that has not credited the account. Please advise to remove or display documents as such within 30 days failure to do so please remove item from report or I will exercise my right under FCRA to sue for false information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Today, XX/XX/2019, I received the enclosed email from Chase Online Bank Team. Allegedly, my account needs restrictions removed. The scam is, I dont have any Chase accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: NY

Complaint narrative:
I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation