vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-11 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: CA

Complaint narrative:
My original complaint was submitted in XX/XX/XXXX. Equifax, after taking an additional 30 days to investigate, did nothing to resolve the dispute regarding a fraudulent account with XXXX XXXX XXXX. It was reported with several different addresses for this one account, which I never lived. 

I have been denied credit and housing because of this negative item as previously complained in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b  ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL 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 2017-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XXXX XXXX 2017, CommonWealth Financial Systems reported Four ( 4 ) new collection to the Credit Bureau 's at the amount of {$61.00}, {$1500.00},  {$110.00} and {$70.00}. 

CommonWealth is not valid to collect in the state of Florida and it also shows that company license is revoked /voided. 

I am requesting company to stop reporting to the Credit Bureau 's and also to remove/delete what have been reported. 

Collection Agency CommonWealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: CA

Complaint narrative:
My original complaint was submitted in XXXX, 2017. XXXX, after taking an additional 30 days to investigate, did nothing to resolve the dispute regarding a fraudulent account with XXXX XXXX XXXX. It was reported with several different addresses for this one account, which I never lived.

I have been denied credit and housing because of this negative item as previously complained in 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 2017-12-11 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on XXXX. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XX/XX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XX/XX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.

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 2017-12-11 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: GA

Complaint narrative:
Equifax keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on Equifax. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XXXX/XXXX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XXXX/XXXX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: GA

Complaint narrative:
XXXX XXXX has been trying to collect money from me that I do not owe. I have been contacted by four collection agencies. Each time I receive a notice about XXXX in the mail from a collection agency, I reply within 30 days and explain to them why the debt is not valid. XXXX XXXX has reported the account on my Experian credit report. The amount is {$57.00} On XX/XX/XXXX I sent a dispute letter to Experian. On XX/XX/XXXX Experian sent me the report on the results of their investigation. They say that the information has been verified as accurate. All that Experian has done is verify the same FALSE information that XXXX XXXX is providing. XXXX XXXX thinks that I have an account with them because I purchased a phone at a retail electronics store and the store had a technical problem and could not activate the phone. The store let me return the phone and they refunded all my money. The store said they notified XXXX. This happened XX/XX/XXXX. Apparently the store either did not notify XXXX or XXXX did not get the information.

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 2017-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I requested a credit limit increase and, without my knowledge, pulled a hard credit check which affected my credit score. Totally unprofessional and illegal. 


Congratulations! We are pleased to approve your request for a higher credit limit on your account. Your new credit limit is {$28000.00} and is already available for your use. 

If you have any further questions about your account, please call us at XXXX or visit Citi Online. 

We value you as a customer and appreciate the opportunity to serve your financial needs. 

Sincerely, XXXX XXXX Please

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 2017-12-11 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: OR

Complaint narrative:
I applied for two, Private Student Loans with XXXX using a co-signer. XXXX was selected because they offered a co-signer release after 24 months of on time payments, which I even made during my school years ( I currently have a long time steady job ). XXXX eventually sold the loans to AES. As of this date, I have made FOUR years of on time payments on Loan # 1 and 2.9 years on Loan # 2. For the past 2 years, I have attempted to release my co signer on three attempts with negative results. During these processes, AES has requested more and more information - all which was what provided - to finally forward the information to XXXX, the former owner of the loan, who ultimately denied the request due to date of application being signed over 60 days. Another application was submitted with a quick DENIED. 
AES Customer Services representatives all have different answers and some cant even provide resolutions. AES agreed that they bought the loan from XXXX and own it however are not allowed to remove the co-signer and said everything had to go through XXXX XXXX. My co signer went to XXXX XXXX in XXXX CA in person and spoke to XXXX XXXX, a banking officer, who was also given the run-around by XXXX student loans. Our information was not in their system because they sold the loan to AES and we were told to direct our questions to AES - which didnt make sense because I received correspondence from XXXX during the XX/XX/XXXX co signer release application! 
After receiving a non-descript denial notice in XX/XX/XXXX, XXXX eventually informed me that a third party, XXXX XXXX XXXX, denied the request due to credit. XXXX? The AES agent, XXXX # XXXX, did not provide any additional information other than XXXX didnt feel I could make the payments. Even after FOUR YEARS of on-time payments and having a long-time steady job? How is XXXX, a third party, involved in the final say when XXXX via AES advertised a co signer release after 24 months of on time payments? When asking AES agent in XX/XX/XXXX ( XXXX, employee number XXXX ) for more information, she told me to fax AES a letter requesting XXXX the credit score requirements to release the co signer. However a subsequent phone call to AES agent XXXX # XXXX, said I was not able to do such a thing and didnt have any contact information for XXXX. I called XXXX via a XXXX search, and was told to direct my questions to AES as they were the service provider. 

Bottom line, I established a contract with XXXX based on the co signer release incentive. The loan was transferred to AES with the same agreement, and NO other stipulations. After making the double the aforementioned agreement, AES has not released my co signer and continues to give me double-speak and not fulfilling the agreement. I am requesting my co signer be released as I have kept my side of the agreement per the initial student loan conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I had a USAA account opened in my name and was used for depositing checks and fraud. I Tried contacting the bank several times but the kept telling me to call back in three days. that was four years ago, the issue was never resolved and they told me i owe them {$11000.00}. because of this i am unable to open an checking account with any bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
sears card claim I am late making payments closed my card when in fact I sent receipts payments has been made to date no reply they assessing late fees to my account when I am up to date, they reported this the credit company 's and closed my 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 2017-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Failed to validate mortgage, I have been informed from the county register office that there is no existing mortgage. and a mortgage have been transferred 3 times from XXXX XXXX XXXX, XXXX XXXX and SPS currently being the company requesting payments from me XXXX XXXX Deed holder to the property.However no one have been able to produce the original note for the property at XXXX XXXX XXXX XXXX, XXXX NJ XXXX. None of these 3 entities have no interest in my property/House and I have no signed contract with any of these companies. Has of the most recent letter sent from SPS I have no signed contract with XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY 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 2017-12-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America filed a Notice of Default against my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX on a HELOC. I have not made a payment on the 1st or the 2nd on that property since XXXX XXXX. I mailed Bank of America and XXXX XXXX debt validation letters and they denied my request and did not provide sufficient validation to collect any debt they claim I owe them. bank of America denied submitting information to me besides the usual note and deed of trust. Both debt collectors did not submit sufficient proof and evidence that I owe them any money. XXXX XXXX in XXXX XXXX ordered a BPO against my property showing their intent to foreclose and sell my house. Also, the statute of limitations to collect on any bond or note in California is passed as it has been over 5 years since I paid on the alleged debt. I have since XXXX submitted many letters and requests to validate this debt and I have spent a lot of money in doing this and none of the debt collectors have been able to prove and validate any debt they claim I owe them. Now Bank of America has filed a Notice of Default against my home and I am in danger of losing my house.

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 2017-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I was involved in an accident in XXXX which totaled my vehicle. My car insurance paid off {$3300.00} of the car, leaving me owing {$4400.00}. When they received my insurances payment, Santander took it upon themselves to lower my monthly payments instead of using that amount to cover x amount of the loan, leaving me to still have to pay for the next 3 years. Also because of the accident, it has left me in a position where Im making significantly less money. I contacted the company prior to my payments being late, and asked about deferring my loan for 3 months to get myself caught up, but I was told that I must be in default before they would be able to look into a deferment for me. When I was 30 days past due, I requested a deferment again, only to be told that I do not qualify without any explanation as to why. I have had my car loan with them for over 4 years, and have always made my payments on time. Now this is effecting my credit score, and I dont know what to do since Im so far behind that its goihg to continue to reporting 30 days late until I can pay 2 months in a row.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
I recently reviewed my credit report any observed that JC Penny is reporting 3 late payments, XXXX, XXXX, and XXXX. I do not recall be late on any monthly required payment with my JC Penny credit card account. I respectfully request that JC Penny provide me physical proof that the late payments reflecting on my credit report is accurate.

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 2017-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I FELL BEHIND ON MY MORTGAGE PAYMENT FOR 2 HOUSES I OWNED, IN XXXX, ARIZONA. THE MORTGAGE WAS HELD BY XXXX XXXX XXXX. 
XXXX PUT ME ON A 6 MONTH FOREBEARANCE PLAN FOR EACH PROPERTY. I MADE ALL OF THESE PAYMENTS ON TIME. THEY WERE LOWER THAN MY USUAL PAYMENTS. 
AFTER THE 6 MONTH PERIOD ELAPSED, THEY ASKED ME TO RE-APPLY FOR THE LOAN. I DID, THEN THEY DID NOT APPROVE THE NEW LOAN, TOLD ME TO STOP MAKING PAYMENTS, THEN THEY TOOK BOTH PROPERTIES. 
I HAVE YET TO SEE ANY DOCUMENTATION, AS FAR AS THE DISPOSITION OF THE PROPERTY IS CONCERNED. I DONT KNOW IF THEY FORECLOSED, OR WHAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Accounts : Capital One amt. claimed to be owed {$340.00}. XXXX XXXX XXXX amt. claimed to be owed {$400.00} I have sent 4 rounds of dispute letters to the 3 credit bureau 's. Starting in XXXX XXXX and the latest one was sent in XXXX of XXXX. After the 3rd round of letters, XXXX has been the only bureau to remove these 2 accounts mentioned above. The following was stated in my letters to XXXX and XXXX : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately.

XXXX has responded to the 4th round of letters and have not provided verifiable proof as I requested. They also stated that they will no longer dispute these accounts again. Unverified accounts remain on my credit report. XXXX has not yet responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
After reviewing my credit report, I show an account was listed with Midwest Recovery Systems. 
I have never done business with them or received any type of communication from them it just showed up on my report. I have the right to see a signed contract between Midwest Recovery Systems and myself. 
. I would like a signed validation of debt. Another company 's bill is not proof of a debt with your company.

1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
On XXXX XXXX i sent XXXX report on debt collection from AB Recvy Services. I sent them a copy of the fake lease agreement the company sent. It did n't have no initials, no names, and no signatures. Some of information were incorrect where you can see on the paperwork. Photocopied signature of mines that they copied from some where and paste. No original anything. 

Collection : Absolute Recovery Services Balance : {$2800.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation