vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/XXXX I contacted XXXX XXXX of Huntington Bank for a mortgage preapproval. After paying of back taxes and presenting additional financial information XXXX stated he contacted the credit agencies to have the tax information removed from credit reports. He sent me a preapproval letter on or about XX/XX/XXXX. On or about XX/XX/XXXX I sent him a purchase agreement for a condo I wanted to purchase. I was waiting for XXXX to send me the loan application so I can begin to close process. I contacted him over and over most of the time with no response. I intended on using down payment assistance from OHFA because I had limited funds, so I asked XXXX if he had submitted the documentation to OHFA, he asked if I could get gift funds from some one because he did not want to deal with OHFA 's grueling paperwork. I told him I needed those funds and I did not hear from him for about a week. When he finally emailed me it was to tell me he could not do the loan. Then responded with counterclaims for his reasons why, which caused him to contact me by phone and state he made an error and would look over my documents again. I called back again asking me if I could get gift funds and I stated no. A couple of days later ( XX/XX/XXXX ) he sent me loan documents not including the down payment assistance funds and over {$6000.00} in closing cost. I sent him an email with questions which he never responded. I was due to close on XX/XX/XXXX and I had not received a response to my calls, texts or emails. Then after calling him about 9 times he answered and said " he was not able to get me approved for the same reasons as before. '' The reasons before were not valid. Now I have losed the opportunity to purchase my dream home and I am homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: NE

Complaint narrative:
I would like a detailed explanation of how the disputed accounts with XXXX and XXXX XXXX were investigated and validated within 15 days of this request. I disputed accounts with XXXX and XXXX XXXX with the credit bureau. I also submitted a request directly to the company demanding validation of the debt. The creditor has failed to respond to my demand of validation and is therefore illegally reporting the account information. The FDCPA prohibits any company from engaging in collection activity for any debt they can not validate. If XXXX and XXXX XXXX XXXX the XXXX XXXX XXXX were unable to validate the debt with me I find it very difficult to believe they complied with the credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: NE

Complaint narrative:
I would like a detailed explanation of how the disputed accounts with XXXX and XXXX XXXX were investigated and validated within 15 days of this request. I disputed accounts with XXXX and XXXX XXXX with the credit bureau. I also submitted a request directly to the company demanding validation of the debt. The creditor has failed to respond to my demand of validation and is therefore illegally reporting the account information. The FDCPA prohibits any company from engaging in collection activity for any debt they can not validate. If XXXX and XXXX XXXX ( the XXXX XXXX ) were unable to validate the debt with me I find it very difficult to believe they complied with the credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: NM

Complaint narrative:
Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
My complaint does not fit the options, so I chose the closest and will explain below. 

Last year, I had private student loans that I mistakenly thought were consolidated with my federal student loans. As a result, I was not making payments on XXXX private student loans and they were sold to Kramer & Frank. I set up a payment agreement with them, which took automatic payments out for XXXX months and then stopped. Since the first XXXX payments were automatic, I did not notice that they had stopped after that. Kramer & Frank then garnished my bank account. I placed several calls to my Kramer & Frank account representative, XXXX XXXX, in XXXX and XXXX ( and left several messages ) with no response. Finally, I obtained an attorney. He was able to call XXXX and get me set up on a payment plan in a matter of days. I have been on this payment plan for all three accounts since XXXX 2016. I have to make these payments in person every month, because Kramer & Frank will not allow me online access. When I try to call in and make a payment over the phone, they have my cell phone automatically flagged to go straight to Mr. XXXX 's voicemail, which he never returns. Needless to say, I have been making payments on these XXXX individual accounts in person since last year. When I went to their office on XXXX XXXX, and was informed that once of the accounts had been closed on XXXX XXXX and recalled by the original lender, XXXX XXXX XXXX. I had not been notified previously that this was happening. They would not accept my payment. When I asked for a contact number for XXXX XXXX XXXX so that I could figure out how to make a payment, the woman at the counter gave me a phone number, and said that it might not be a good number, but to try anyway. She also said that she did not know anything whatsoever as to why my account had been closed, or what I was supposed to do about it. After leaving, I called the number that she gave me ( XXXX ). This company appears to be another collection service that sometimes represents XXXX XXXX XXXX. I gave them all of my information, and they said that all three of my private loans were still with Kramer & Frank, and they have received no communication from Kramer & Frank about getting the loans back. I asked them what I should do, and they said to call Kramer & Frank, who then told me to call the other company back. As a consumer just trying to make a payment, I am incredibly disappointed with the lack of communication that I have received from Kramer & Frank, as well as the lack of interest in helping me. I am aware that it is my responsibility to make payments, however I have not been given any reasonable way of doing so, and I am sure Kramer & Frank are reporting me as not paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This complaint will be my sixth complaint about my credit report and scores. I have already told in earlier complaints that I was faced extreme hardship when I was in California, that time am not able to make payments and my car my wallet was stolen I have police report. Now I am paying my owes. This information I have told to Bank of America and XXXX and XXXX. Still am facing hard time due to these three companies. I am applying XXXX  credit card they were denied me because of your credit report. So here is the bottom line if You dont repair my credit I will put case against Bank of America XXXX and XXXX and I will put discrimination case too, I will approach leagally a lawyer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This complaint will be my sixth complaint about my credit report and scores. I have already told in earlier complaints that I was faced extreme hardship when I was in California, that time am not able to make payments and my car my wallet was stolen I have police report. Now I am paying my owes. This information I have told to XXXX XXXX XXXX and XXXX and experian. Still am facing hard time due to these three companies. I am applying XXXX  credit card they were denied me because of your credit report. So here is the bottom line if You dont repair my credit I will put case against XXXX XXXX XXXX XXXX and experin and I will put discrimination case too, I will approach leagally a lawyer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
My complaint does not fit the options, so I chose the closest and will explain below. 

Last year, I had private student loans that I mistakenly thought were consolidated with my federal student loans. As a result, I was not making payments on three private student loans and they were sold to Kramer & Frank. I set up a payment agreement with them, which took automatic payments out for three months and then stopped. Since the first three payments were automatic, I did not notice that they had stopped after that. Kramer & Frank then garnished my bank account. I placed several calls to my Kramer & Frank account representative, XXXX XXXX, in XX/XX/XXXX and XX/XX/XXXX ( and left several messages ) with no response. Finally, I obtained an attorney. He was able to call XXXX and get me set up on a payment plan in a matter of days. I have been on this payment plan for all three accounts since XX/XX/XXXX. I have to make these payments in person every month, because Kramer & Frank will not allow me online access. When I try to call in and make a payment over the phone, they have my cell phone automatically flagged to go straight to XXXX XXXX 's voicemail, which he never returns. Needless to say, I have been making payments on these three individual accounts in person since last year. When I went to their office on XX/XX/XXXX, and was informed that once of the accounts had been closed on XX/XX/XXXX and recalled by the original lender, XXXX XXXX XXXX. I had not been notified previously that this was happening. They would not accept my payment. When I asked for a contact number for XXXX XXXX XXXX so that I could figure out how to make a payment, the woman at the counter gave me a phone number, and said that it might not be a good number, but to try anyway. She also said that she did not know anything whatsoever as to why my account had been closed, or what I was supposed to do about it. After leaving, I called the number that she gave me ( XXXX ). This company appears to be another collection service that sometimes represents XXXX XXXX XXXX. I gave them all of my information, and they said that all three of my private loans were still with Kramer & Frank, and they have received no communication from Kramer & Frank about getting the loans back. I asked them what I should do, and they said to call Kramer & Frank, who then told me to call the other company back. As a consumer just trying to make a payment, I am incredibly disappointed with the lack of communication that I have received from Kramer & Frank, as well as the lack of interest in helping me. I am aware that it is my responsibility to make payments, however I have not been given any reasonable way of doing so, and I am sure Kramer & Frank are reporting me as not paying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: MA

Complaint narrative:
There is an address, XXXX XXXX XXXX XXXX, XXXX XXXX Rhode Island, that is incorrect. I have never lived here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
XXXXX16 Under {$300.00} The company is threatening to summons me for debt owed while i was on Military duty and going through family issues.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: GA

Complaint narrative:
I tried verifying a debt with Hunter Warfield Inc. Which is {$3200.00} and they temporarily deleted the debt from my Credit Report on all 3 Credit Bureau 's. Then without atleast a 5 day notice they put the Account back on my Credit Report which by law they have to give me a Five Day Notice.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
1. File suit for a debt taken out XXXX XXXX, attorney knew or should have known was time-barred 2. Failed to notify me of final judgement/lien 3. Improperly signed my name to Court Order & Judgement which I never saw or knew had been issued 4. CFPB to impose {$1000.00} statutory penalty ; liability for emotional distress, losses due to potential delay in mortgage refinance 5. CFPB to note violation of Court Order Civil Action # XXXX dated XXXX/XXXX/XXXX and take action as appropriate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Multiple inquiries are on my credit report that have been attempted to be removed as unauthorized. XXXX inquiries occurred during an extended fraud alert being placed on my credit report with transunion. Which holds transunion responsible, I 've attempted to get these removed by the companies and the creditor with no success. Just to be told that they are valid, when in fact they are not. I 've asked XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX for proof of the inquiries. such as drivers license, passport photo id, and any pertaining information to validate these inquiries. No such evidence has been provided and transunion has failed to validate these inquiries and remove them on mulitple instances. Please assist. 

Inquiries in dispute are XXXX  XXXX XXXX, which occurred during a security freeze on my credit profile, was unauthorized on XXXX/XXXX/XXXX. 
XXXX XXXX - on XXXX/XXXX/XXXX which was unauthorized. 
XXXX XXXX XXXX XXXX, Which was unauthorized on 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 2017-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, Below is the information that is on my credit report and it is not accurate as I have never applied nor had XXXX XXXX XXXX. I am only XXXX years of age and would like to inform that the below information is not mine. Please contact me with any questions or concerns. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$890.00} Closed Overview You 're currently using 128 % of your account 's limit. 
Balance {$890.00} Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Payment History Youve made 74 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$890.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Charged off account Times XXXX/XXXX/XXXX days late XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: FL

Complaint narrative:
Experian is still reporting a account with XXXX XXXX on my credit file, after i have filed a dispute and asked for written verification several times. Both XXXX and XXXX have removed this account. Experian has not and will not provide me with any documentation that this account is mine. I have requested for them to follow suit with the other credit bureaus and they still have not responded. When i call they transfer me to a " special handeling dept '' and i just keep getting the same answer, " it has been verified '' well, if that is the case please have them tell me how it was verified and by what means, provide me with some kinda documentation. This is affecting my credit score greatly, i have a 100 % on time payment history and i am in the process of buying a house and i need to have this taken care of in order to proceed. The account is reporting paid in full but if its not my account and its paid in full why havent they removed it? Please help me resolve this issue so i can continue on my home buying journey. Thank you in advance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
on XX/XX/XXXX I had decided to purchase an XXXX watch in the amount of {$750.00}. 
I was given an order number and notification that item was shipped via XXXX 2nd day air with an expected delivery date of XX/XX/XXXX. 

On XX/XX/XXXX, rhe package tracker stated it was pushed the following day. 
XX/XX/XXXX, XXXX claims package was never on the truck pushed date further out. I contacted both XXXX and Bestbuy to find out whats going on. I was informed that since it was season i will have to wait till the XX/XX/XXXX before i cam receive my package. 

XXXX failed to deliver the package on the first and when asked i was given a response the package is missing or lost contact sender to resend When i called Bestbuy i was informed that they can not send another item because its not available, but i can proceed for a refund and see of i can aquire it from a store On XX/XX/XXXX the local store has a small stock of the exact item and i went ahead and purchased it per Bestbuy request. 

it has been more than 5 business days and i yet to receive my refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX this company trying to collect money and does not provide explanation of the amounts of a debt not providing explanation of charges defining the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I 've complained to Huntington they closed my local bank to allow the shareholders and CEO 's to profit more by making us stand in long lines. There is no accountability in banking anymore. The CFPB is doing nothing to hold these banks accountable. The tellers make nothing compared to the shareholders and are overworked and underpaid. We still do n't know who owns the notes on our houses. The banks are worse than 2009 in my opinion. It 's a scam.

Company response to consumer: Closed with explanation