vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been notified by XXXX XXXX XXXX that I have accounts that I have no knowledge off, and it is preventing me from opening an account with XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX and XXXX XXXX and they state that these accounts are valid but provided an address that I have never lived at. I have disputed these items for 90 days to no avail and get the same answers and run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
XX/XX/2019 ; Reported to collections showing on my XXXX report. For last month, repeated phone calls to my cell phone and my boyfriend 's cell phone trying to reach me to pay a debt I do not owe. I have an open claim with XXXX regarding Franklin Collection Services XXXX. They have reported a negative balance and collections to my credit report six times in the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XXXX XXXX XXXX account ending XXXX I settled and closed this account in XX/XX/XXXX. The high balance was {$1600.00} ( see attached statement dated XX/XX/XXXX ). After agreeing to settle and close the account XXXX has continued to report a high balance of {$13000.00}. I have disputed this many times to all 3 reporting agencies. Last fall I initiated a dispute with CFPB which triggered a change in reporting. However, Now XXXX is reporting a high balance of {$13000.00} in XX/XX/XXXX ( see attached report from XXXX  ). Not only are they still WRONG they have moved the date this will clear from my credit reports 4 years into the future further damaging my credit. Please help me get this cleared up. It is high time this account is completely removed from my credit reports.

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 2019-05-29 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XXXX Credit Card account ending XXXX I settled and closed this account in 2013. The high balance was {$1600.00} ( see attached statement dated XXXX ). After agreeing to settle and close the account XXXX has continued to report a high balance of {$13000.00}. I have disputed this many times to all 3 reporting agencies. Last fall I initiated a dispute with CFPB which triggered a change in reporting. However, Now XXXX is reporting a high balance of {$13000.00} in XXXX ( see attached report from XXXX  ). Not only are they still WRONG they have moved the date this will clear from my credit reports 4 years into the future further damaging my credit. Please help me get this cleared up. It is high time this account is completely removed from my credit reports.

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 2019-05-29 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have dates, Times /Names. police report file day of fraud HAVE TIME DATE/ PERSONS CONTACTED at Citizens Bank credit card dept names dates & Time & phone # s from XXXX TECH team that originated the FRAUD from my XXXX XXXX XXXX Need physical form to complete & Send back certified mail I HAVE PAGES OF DATA SUPPORTING THIS CLAIM i WOULD LIKE TO SEND VIA CERTIFIED MAIL OR fax FORR ATTACHMET IN SUPPORT OF THIS VALID FRAUD CLAIM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SUNRISE CREDIT SERVICES, INC
State: ME

Complaint narrative:
I received a call from Sunrise Credit Services on XX/XX/2019 in regards to a past due Bill I have. I spoke with an agent around XXXX EST. I asked some clarifying questions in regards to credit reporting on my account. He responded with some very vague answers and then tells me that I NEED to pay my bill. I then question him telling me what I need to do and he responds back by saying he didn't say that, that he said I recommend you pay your bill. He flat out lied to me about that as the agent said I NEED to pay. Which is very misleading and confusing and deceptive by telling me I need to pay my bill. 
As he never asked if I was disputing it which I am The agent then proceeds to tell me that I am wasting his time and hangs up on me. I am very concerned about this behavior and being told that I need to pay my bill and how rude and abusive he was on the phone for lying to me and then trying to cover it up and the fact he hung up on me after saying that I was wasting HIS time. I feel very mislead and abused as well as misinformed by this agents actions.

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 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: IN

Complaint narrative:
Midwest recovery Systems has tried multiple times to collect on medical bills that were paid-in-full back in 2014. Last fall I initiated a dispute through CFBP which resulted in Midwest Recovery Systems responding that the debt was invalid and all reporting agencies would be notified. See attached copy of report in the CFBP system. Now Midwest Recovery Systems is again trying to collect this same debt that they acknowledged was invalid. This really is unethical and needs to permanently stop. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE ACCOUNTS REMOVED.

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 2019-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
I attended XXXX XXXX College back when it was located in XXXX California before they moved to XXXX. I was young, just had a XXXX   and was looking to start a career. I joined their XXXX XXXX XXXX program approximately XX/XX/2006. Although the program was not yet accredited, I was promised that it would be by the time of my completion. I was so happy when I finally graduated and felt accomplished. Unfortunately for me and my class mates, the accreditation of the program that we were promised never came resulting in not being able to qualify for state licensing which made us undesirable to employers. No one wanted to hire me with out my state license and in order to attain one, I needed one year experience which I could not get. The two basically cancelled each other out. After this, XXXX XXXX College shut down the program I took ( XXXX XXXX XXXX   ) because they couldn't attain the accreditation and then moved the whole school to the now XXXX location. 

Since then I have not been able to be employed at all in the certificate that I earned through them and have not been able to afford any payment towards my school loans. I am a struggling single mother and times are hard. So I recently applied for a school closure discharge through Fed loan servicing. I felt i qualified because although XXXX XXXX College still operates and provides numerous programs, the specific program I took ( XXXX  ) was closed and no longer offered through them because of their own shortcomings with the accreditation. Fed loan told me I did not qualify for the school closure discharge because I completed the program.. 

I do not understand how being a school " drop out '' would better qualify me for the discharge. XXXX XXXX College was unscrupulous towards me and many other students, it was even proven in court.. and here I am struggling to attain employment and not being able to pay for a loan which resulted in nothing.. and not to mention the program I completed was closed and the location itself was closed. 

These student loans have haunted me for over a decade. The experience itself has haunted me. I was looking forward to possibly going back to school if i qualified for the discharge and was excited to possibly move my life in a positive direction. These student loans I have now have stopped me from going back to school because I cant afford any more debt. I am left with not very many options and I am filing this complaint with you to hopefully find some answers and solutions..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
The apartment complex, XXXX XXXX XXXX & its agent, XXXX XXXX at XXXX, make the unlawful and fraudulent claim that I owe them {$2100.00}. I was physically attacked by one of their residents, XXXX XXXX ( aka XXXX XXXX ) in XX/XX/2018. Because of that, XXXX XXXX and XXXX XXXX attempt to misrepresent that I, as the victim, was the attacker and deserved to be attacked. They have sent a bogus claim of {$2100.00} to a debt collection agency, National Credit Systems , Inc., XXXX XXXX at XXXX. Each time that I write National Credit requesting that they validate the charge, they respond back with a picture of a " TOE '' and pictures of other images unknown to me and disputed by me. Instead of validating the claim at my insistence, XXXX XXXX, XXXX XXXX, and National Credit create more untrue and bogus lies to try and justify the above said amount. This erroneous information now wrongfully lies with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been notified by XXXX XXXX XXXX  that I have accounts that I have no knowledge off, and it is preventing me from opening an account with XXXX XXXX XXXX XXXX. I have contacted Wells Fargo and they state that these accounts are valid but provided an address that I have never lived at. I have disputed these items for 90 days to no avail and get the same answers and run around.

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 2019-05-29 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
This is the error : XXXX XXXX XXXX XXXX I don't have or even never have had an account with them.

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 2019-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, In XX/XX/2018 I received a call from XXXX XXXX credit card stating my credit card bill was 30 day late. Prior to the call I had called XXXX because I was worried I had not received a bill. I was directed to call XXXX. I spoke to someone and they stated I would be receiving a bill in a few days. I had received a bill from XXXX in the past when promotions would alert, if credit card used you will get back 5 % .other wise I would just pay with my dept card. I then logged into XXXX websight for the first time to set up acct. to view for next time. I continued to wait for my bill, so I can set up direct bill pay with my bank. About two weeks I received a call from XXXX bank stating my bill was now late. I stated I never received a bill. The employee stated I was set up paperless billing. I stated I didn't but according to the IT dep. at XXXX the web sight is auto checked when creating XXXX  acct. It auto enters a check mark, if not un-checked you will not receive a bill. The XXXX  bank caller was very understanding about the issue. I made the payment by phone and was also told that the late fee would be waved. I later logged back into XXXX websight and made sure check mark for paperless billing was un-checked. XXXX mo. later I find out it was reported to Experian as a 30 day late. I was never called or alerted that it was late, check marks on paperless billing should not be auto filled. XXXX verified the calls and confirmed recorded conversation but refuses to remove the 30 day late. This is the only bad record in my credit report ever entered in my life. They have ruined my credit for a $ XXXX payment that I never received. I'm reaching out to you in hopes that this can be resolved and 30 day late can be removed from my credit report. Thank you for your time.

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 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I experience the worst customer service ever. I have never receive such degrading, belittling, discriminating service. I called today regarding 2 fees I received and tried to explain t the rep and manager XXXX XXXX that I check my account yesterday and it was not negative. When speaking to the rep I was advised this was due to the charges processing and this is not reflected on line. However once escalated, XXXX XXXX basically told me I was a liar and I NO system at BOA EVER has glitches. I admit this statement made me very irate as I hate for someone to lie. I was told by my co workers who are a different race they call ALL the time and our granted fees with no hesitation however I was treated poorly. I understand that my account is a non factor as I am aware I don't keep a lot of funds in this account however I have been a loyal customer and expect to at least be treated fair. For your rep to basically call me a liar after I offered proof is not only disappointing but unacceptable and confirms the discrimination I received. The only reason I decided not to close my account at this moment is due to me providing my account number for a huge deposit I am anticipating. However, I have sent the company an email requesting to change my information. In addition, I will be reaching out to anyone I know BOA has no integrity. XXXX should not be representing your company unless this is what your company is

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 monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I was called by Jefferson Capital Systems , LLC, XXXX, for a debt for a XXXX account that I do not have. I have had a active XXXX account for the past 12 years and do not own anything on my account, and I am in good standing with XXXX. 

I informed them that the debt was not mine and that I was in good standing with XXXX, they tried to tell me I was in error, and tried to direct me to a 3rd party website to show me that I somehow owed XXXX. I offered to pull up my XXXX account but they insisted that I use their website. They then told me that this debt was from 3 years ago, but after I informed them that no changes were made to the account in that time frame, they changed their story and told me that this was a debt bought from another debt collector 3 years ago. They were not able to tell me when this debt was from, the account number, or what the original amount owed was. The rep would not give me any name except for 'XXXX ' and was very rude. He asked for a lot of my personal information that he should have had if this was my debt, but i did not tell him my social, or XXXX account number even though he asked for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Talk to XXXX on XX/XX/2019ragarding issues on account MCM # XXXX. Was told the account was not reporting to Credit Bureaus as well as an attempt to collect but can not be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE AND IS CAUSING TREMENDOUS HARDSHIP. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE DEROGATORY ITEMS REMOVE.

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 2019-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: NV

Complaint narrative:
Guild Mortgage Company rejected both my Mother and my payments. The " Note '' Contract is very clear, My Mother XXXX XXXX and I XXXX XXXX have 15 Calendar days pass the first of the month to get the payment to Guild Mortgage Company which totals {$1100.00}. It does not says WE CAN NOT send two checks that totals {$1100.00}. My mother and I are separate entities and are NOT married to one another and have separate checking accounts and do our business separately. Guild Mortgage Company is confused when they read the Deed of Trust that states they can reject partial payments after the 15 calendar days, but our payments were received by Guild Mortgage Company on XX/XX/2019 and XX/XX/2019. Because of receiving these two checks that totaled {$1100.00}, they believe they are in the right to reject payments, but in turn are breaching the contract and technically at that point XXXX XXXX and I would owe nothing once a contract is breached. The Month of XXXX Guild Mortgage Company excepted two separate checks one for  {$500.00} and the other for {$630.00} on the XXXX of the Month and marked these two payments as a single payment into their system ( Which is also a banking violation ). I need this issue corrected ASAP on loan number XXXX. BORROWER 'S FAILURE TO PAY AS REQUIRED ( A ) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of 15 calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the charge will be XXXX of my overdue payment of principal and interest. I will pay this late charge promptly but only once on each late payment. 

As stated in my original complaint on XX/XX/2019, XX/XX/2019 in the same payment amounts one check from XXXX XXXX XXXX for {$500.00} and the Second check from XXXX XXXX XXXX for {$630.00}, which Guild Mortgage accecepted with no problem and labeled the two payments as a one and whole payment. The complete payment agreement follows the Mortgage Note same as a {$100.00} bill is a Note and worth {$100.00}. As we have 15 calendar days to get the payment in full to Guild Mortgage and there are nothing listed in any contract that enforces my Mother and I to open one account to send ONE payment. As stated previously the Deed of Trust covers if a Mortgagee is late pass the 15 Calendar days can only send ONE payment in whole to Guild Mortgage. If Guild continues to Breach the contract this will lead towards a Federal Legal Matter, needs to STOP NOW, as my Mother and I are two separate entities with our own banking and checking accounts, we are NOT a married couple.

Guild Mortgage account XXXX Pay From XXXX XXXX XXXX Amount {$630.00} Withdraw On XX/XX/2019 Category Mortgage ELECTRONIC Confirmation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: IL

Complaint narrative:
I sent two dispute letters out to Experian Credit Bureau regarding the accuracy of the account ( XXXX XXXX XXXX ) that they are reporting on my credit report. The first dispute letter was sent last year in XXXX, XXXX and the second letter was sent this pass XXXX, XXXX. Both letters were unanswered and has been over 60 days and yet I wasn't provide with any proof of the investigation was even in progress or the results of the investigation. I try contacting them via phone to ask for proof of the investigation or results but was told that they were unable to provide any proof or documentation regarding the results of the investigation on this account. 

My Dispute : If they do not have any documentation in there files to verify the accuracy of these disputed accounts then they must be delete immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i )

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