vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request for mortgage assistance to LoanCare. On XX/XX/XXXX, I was informed my application has been deemed complete and they will be assigning an underwriter. On XX/XX/XXXX, I was then informed they needed additional documents which were faxed. On XX/XX/XXXX, I received a Notice of Trustee Sale for an auction sale date of XX/XX/XXXX to much my surprise because I am aware of the XXXX and that appeared to be dual tracking. On XX/XX/XXXX, I was advised that all documents have been received and my application was again in review with underwriting. Called again on XX/XX/XXXX and was advised more documents were now needed, submitted the requested documents on XX/XX/XXXX. As of today, XX/XX/XXXX, I am now being told that my documents were received back on XX/XX/XXXX, however, because the sale date is scheduled for XX/XX/XXXX there is now suddenly not enough time to review my application. I have never been assigned a designated point of contact with LoanCare and they proceeded to file the Notice of Trustee Sale while reviewing me for loss mitigation. They have all the documents they need are are being completely unfair by telling me 3 days before my sale date now that suddenly there is nothing they can 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 2018-05-17 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: GA

Complaint narrative:
While reviewing my personal information due to the XXXX breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have not signed or verbally entered into any contract or agreement. Someone has gotten my information and most likely opened accounts online thru the dark web and easily obtained goods. 

XXXX - {$2400.00} XXXX - {$7700.00} XXXX XXXX - {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. This FCRA requirement is not always practiced. Equifax deleted XXXX XXXX XXXX Account between XX/XX/XXXX and XX/XX/XXXX and then reinserted it without notifying me ... then between XX/XX/XXXX and XX/XX/XXXX they removed the negative remarks, but then reinserted it again without notifying me once again ... this is against FCRA law ... I disputed the incorrect info on my report and they removed, but put it back on report illegally ... I want it completely removed, and possible compensation for violation of law and my rights ... and I am yet to get anything in writing about investigation ... instead I have seen everything on-line in which I did not consent to on-line results ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have called twice and sent back every piece of mail with my ex husbands name on it. He has never lived at my address and even though capital one states he has been removed Im still receiving credit offers in his name at my new address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hi, About a month and a half ago, my XXXX XXXX high yields savings account got frozen because of some mail that was returned back. I have a new address and it wasn't updated on my account so the mail was going to my parent 's address and the mail was returned. Therefore, XXXX XXXX has frozen my account due to mail being returned so they can prevent fraudulent actions being taken on my account. 

I called XXXX XXXX and they have instructed me to send in an invoice of a utility bill with my new address and I have done that. I have faxed it over and they still haven't responded or unfroze my account. Every time I call an operator, they are just pushing me through to the next operator. I am getting no help from Synchrony 's customer service. 

My savings account has been locked for almost two months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: GA

Complaint narrative:
I have two hard inquiries on my Experian credit report from the company " XXXX XXXX XXXX ''. The first on XX/XX/XXXX and the second on XX/XX/XXXX. 

I never signed any documents, nor did I verbally authorize these inquiries. 

My contract with them that started XX/XX/XXXX and ended XX/XX/XXXX. They illegally hard checked my credit twice without any form of communication with me. 

They have wrongfully, without permission and without a proper purpose accessed my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 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:
EQUIFAX CONTINUES TO REPORT AN ACCOUNT THAT HAS BEEN CLOSED AND PAID IN FULL OVER A YEAR AGO! I HAVE NOTED THEM OF THIS ERROR FOR NUMEROUS MONTHS AND THEY HAVE REFUSED TO CORRECT AND UPDATE THE INFORMATION TO REFLECT ACCURATE INFORMATION. THEY ARE THE ONLY CREDIT AGENCY REPORTING THIS INCORRECTLY AND THE ONLY ONE NOT UPDATEING IT TO REFLECT CORRECT INFORMATION. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL AND CLOSED. I HAVE ONLY ONE MORTGAGE AND THAT IS WITH XXXX AND THAT IS THE ONLY ONE THAT SHOULD REFLECT OPEN THEY CONTINUE TO REFLECT BOTH OF THESE OPEN AND THAT IS FALSE AND WRONG INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, after mailing several dispute letters that went unanswered, I initiated a dispute process for several charges that were made to my Navy Federal Credit Union Credit card. The charges totaled {$3300.00} and were for merchandise ( XXXX in-game credits and virtual currency ) that was never received. I received a letter from Navy Federal several days letter stating there was no billing error and I would be responsible for the charges. 

I then contacted a Navy Federal customer service rep on XX/XX/XXXX who requested I provide additional information  regarding my dispute. As requested, that same day I submitted to Navy Federal a copy email correspondence between myself and itunes and screenshots showing the merchandise was never received. 

On XX/XX/XXXX Navy Federal sent me a letter again denying my dispute in direct conflict with the FTC 's Mail, Internet, or Telephone Order Merchandise Rule. I attempted to contact the person in charge of my dispute, XXXX XXXX, as well as her supervisor and was told both are " unavailable ''. I left a voicemail for XXXX XXXX, but have not received a returned call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: CA

Complaint narrative:
EXPERIAN IS REPORTING A NEGATIVE AND FRAUDULENT ACCOUNT THAT DOESNT BELONG TO ME ON MY CREDIT FILE THEY PREVIOSULY REMOED THIS INCORRECT DATA AND NOW IT IS REAPPEARING THIS DOES NOT BELONG TO ME AND I HAVE SENT THEM ALL DOCUMENTATION AND POLICE REPORTS TO HAVE THIS REMOVED AND NOW THEY WILL NOT REPLY OR ASSIT TO CORRECT THIS SERIOUS MATTER. THIS ACCOUNT AND BALANCE DOES NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: TCF NATIONAL BANK
State: GA

Complaint narrative:
While reviewing my personal information due to the XXXX breech and exposure of my identity and personal account information, I found accounts that do not belong to me and were opened without my knowledge or consent. Although I am not sure of the exact date my information was stolen. However, I have contacted all of the credit bureaus as well as filed a report with the FTC. Please see the following account currently listed on my report : I have not signed or verbally entered into any contract or agreement. Someone has gotten my information and most likely opened accounts online thru the dark web and easily obtained goods. 

XXXX - {$2400.00} XXXX - {$7700.00} XXXX XXXX - {$12000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BANK OF AMERICA CREDIT CARD SERVICES CLOSED MY CREDIT CARD ALLEGING THAT I MISSED FOUR PAYMENTS. I MADE TIMELY PAYMENTS THAT WERE ALLEGEDLY REJECTED BY MY BANK FOR UNKNOWN REASONS. I MADETHESE PAYMENTS IN GOOD FAITH AND BANK OF AMERICA CLOSED MY ACCOUNT FOR FALSE AND UNFOUNDED REASONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have requested on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX ... ..XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX $ ) that Experian review a bankruptcy on my credit report that does not belong to me. They did not accurately verify the information and only looked at the last four digits of the social security number. I initially received a 24 % interest rate on a car and my interest rate on my home is higher because of this. I have sent letters from the court and asked that they verify all information. They said they have reason to believe it belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: DISCOVER BANK
State: NY

Complaint narrative:
Discover card has breached my security by allowing a person to plug in my numbers to obtain limousine services from XXXX. According to Discover card a person by the name of XXXX has put {$1400.00} of unauthorized charges on my Discover card by using my card numbers. I blindly paid the credit card my entire bill. After noticing these charges on my credit card around XXXX I brought this to the attention of Discover card. Discover card refused to credit my account after giving me the credit they recharged my account. 
I have not authorized those charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-17 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: TX

Complaint narrative:
This complaint is filled due to the fact of this being an ongoing issue and Experian has violated several laws in dealing with this matter.

I filed a dispute with Experian for the collection placed on my report by XXXX XXXX. it was investigated, found to be cause for deletion, was deleted and a few months later was placed back on Experian without providing me with the 5 day notice of reinstatement, as is per Law requires.

And stated by U.S. Law 73 Am Jur 2nd, sections 90 & 93 States that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect and then claim successor in rights and interest. Thus when an original creditor sells a debt they give up the rights to collect on that debt, but they do not give those same original rights of or to collect ( ion ) to the collection agency.

And are clear that a 3rd party can not be substituted onto any agreement without the request from the consumer to act on their behalf.

send a copy of the signed authorization by you allowing them to collect information and make any communication about you to the credit reporting agencies.

I have never authorized this company to collect or share any information about me. I have no contract with this company and have never requested any money nor services from them. They have no legal right to be on my credit report. 
***Delete this now or provide the proof.

Siting case XXXX v. XXXX.

FCRA Section 603 says : ( o ) EXCLUDED COMMUNICATIONS. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; FCRA Section. 604 says : 604. Permissible purposes of consumer report a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( F ) [ otherwise ] has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: PA

Complaint narrative:
I am writing to request that the CFPB intervene on my behalf to compel AES to remove late payment trade lines from XX/XX/XXXX through XX/XX/XXXX for my AES/XXXX student loan accounts on the basis that during this time I was advised by AES that I would be covered by either economic or temporary forbearance. Dates, conversations, and actions proving that AES mislead me are set forth in my attached cover letter and related exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I personally called person hung up when i asked to pay debt in full person stated no we do not do that or make any deals just pay and you will see if debt is removed from credit. I asked if I could get a reciept the person said no just pay and you will see then if it will happen. Then I said ok so Ill just pay you and no record of my money is paid and the person said yes just trust us. I said no I am not doing that and then the person hung up and before that saying I am hanging on you you just pay or go away. What a non professional scam company. Please help cfpb want to settle this and this company is a scam never been to hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, BB & T charged me two separate {$36.00} overdraft fees based on " pending '' transactions. On the morning of XX/XX/XXXX I made a cash deposit to cover all the " pending '' transactions. The transactions which allegedly instigated an overdraft were still " pending '' at 4 pm on XX/XX/XXXX. The bank does not issue the overdraft fee based on the posted balance, but instead counts " pending '' transactions.This is an unfair practice, since some merchants may place a hold on an account without the intent of initiating a charge for the amount of the hold. An electronic payment may be " pending '' for several days before the dated agreed by the merchant and consumer, e.g. automatic payment for a XXXX/XXXX bill. Secondly, this practice of using " pending '' transactions as the basis for determining overdraft was not plainly presented when I opened the account. Its plain the bank is exploiting the lack of clarity in timelines and processes for electronic transactions to exploit the consumer through fees. After speaking with a customer service representative the bank refunded a single overdraft fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: NV

Complaint narrative:
I really hope you can help me. XXXX and Equifax reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with XXXX XXXX XXXX that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: TX

Complaint narrative:
I submitted a request in writing via email requesting that they stop contacting me by phone. I requested that all further communication be done in writing. I received a confirmation email that they received and read the email, yet within an hour two more phone calls came through. They call me approximately 4 to 5 times a day and never leave a message. If I call the number back it goes unanswered and if I answer there is usually no one on the line. The name of the company is XXXX XXXX XXXX or Allied Interstate LLC an XXXX Company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have a XXXX account that XXXX XXXX is reporting on my credit. This account is past is statue of limitations and company is still reporting it as a new collection. The account was closed in XXXX with no balance but a deactivation fee was applied without my knowledge. I have disputed it with XXXX since and it was removed off my report in XXXX. It seems XXXX has bought invalid debt and is illegally reporting this on my credit.

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