vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX  is collecting an account for  XXXX . I have never had an  XXXX  in my life. I can find nothing old on my credit report th at may have  been purchased by  XXXX  ..or c hanged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}

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 explanation
Consumer complaint received 2017-06-07 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: LA

Complaint narrative:
XXXX  is collecting an account for  XXXX . I have never had an  XXXX  in my life. I can find nothing old on my credit report th at may ha ve been purchased by  XXXX  ..or ch anged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}

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 2017-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I called on  XXXX   XXXX  requesting options on how to lower my principal amount. Unfortunately, I went into  Income dri ven Repayment program but instant of seeing a deduction of my principal, I see an increase over and over. The amount stills $  XXXX  since my graduation date back in   XXXX  . I mentioned that I worked for th e    XXXX   XXXX   XXXX   for 8 years if any portion of my loan could be forgive, they said no. Their option was to add more funds to my payments, which is totally ridiculously. Specially, now that I found out that my position will be eliminated in  XXXX   XXXX . Therefore, I will be unemployed after  XXXX   XXXX . It saddens my  heart that  something that I did to better myself, pursue an  XXXX  had cost me such of major debt and nobody is willing to help me. I did n't said that I was n't going to pay, I was seeking for assistance on how to lowered my principal and eventually payoff my debt. The education format from  XXXX  is heavily criticized, all funds paid and was n't top notch education!! Please help me understand why I could n't get any positive outcome fro m Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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:
A  few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items .

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 2017-06-07 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: FL

Complaint narrative:
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

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 2017-06-07 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: TX

Complaint narrative:
I filed a dispute with  XXXX ,  XXXX  and Transunion in regards to  XXXX   XXXX   XXXX  collection account listed on my report. And explained that  XXXX   XXXX   XXXX  is in violation in regards to their reporting on my credit report and stated why and showed proof of said violation. However, they came back verified. I sent  XXXX   XXXX   XXXX  a letter certified mail return receipt requesting validation under the Texas  Financial Code 392.202 , Fair Credit Report Act and Fair Collections Act and proof is attached with return receipt dated  XXXX   XXXX ,  XXXX  and  XXXX   XXXX   XXXX  failed to property follow the law and never contacted me in regards to my request it has been over  XXXX  years and  XXXX   XXXX   XXXX  has yet to validate and verify the debt to me per my request as of  XXXX   XXXX ,  XXXX . After giving them ample time to respond I disputed with the credit reporting agencies and let them know of  XXXX   XXXX   XXXX  lack of response in regard to the credit line in accordance with Texas and  Federal Law. However, once disputed on those grounds  XXXX ,   XXXX   and TransUnion verified it thus also being in violation.

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 2017-06-07 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: TX

Complaint narrative:
I filed a dispute with XXXX, Equifax and XXXX in regards to XXXX XXXX XXXX collection account listed on my report. And explained that XXXX XXXX XXXX is in violation in regards to their reporting on my credit report and stated why and showed proof of said violation. However, they came back verified. I sent XXXX XXXX XXXX a letter certified mail return receipt requesting validation under the Texas Financial Code 392.202, Fair Credit Report Act and Fair Collections Act and proof is attached with return receipt dated XXXX XXXX, XXXX and XXXX XXXX XXXX failed to property follow the law and never contacted me in regards to my request it has been over two years and XXXX XXXX XXXX has yet to validate and verify the debt to me per my request as of XXXX XXXX, XXXX. After giving them ample time to respond I disputed with the credit reporting agencies and let them know of XXXX XXXX XXXX lack of response in regard to the credit line in accordance with Texas and Federal Law. However, once disputed on those grounds XXXX, Equifax and XXXX verified it thus also being in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clearview Resolution Services
State: TX

Complaint narrative:
I received 4 calls total from XXXX. They called my cell phone, my home number, and my father 's cell phone on XX/XX/XXXX. I do not know how they got my father 's cell phone number as I have never listed his number with my name anywhere. Ever. but they left similar messages on all of the phone lines saying their name was XXXX XXXX, they were from XXXX XXXX XXXX, a claim was made and documents were in his office with my name, social, and birth date on them. He leaves a call back number which is XXXX. I called the XXXX number, the answering machine said that they were a Legal Services Department ( that 's all it said, no company name, nothing ) and to leave a detailed message and a call back number. I ca n't find any company on the internet with that name or number in my area. I called the XXXX number twice but the call went to an answering machine and told me to visit their website http : //www.clearviewresolutionservices.com/. I could not find any company or information on that phone number either.. So, I did some research on the website and came up with another number which was XXXX XXXX XXXX XXXX, which when I called, a machine told me a whole different company name and/or department, I ca n't remember what it was called. I received another call from the same XXXX number on XX/XX/XXXX, and he basically said because of my negligence, they were going to continue to move forward with the process and urged me or my attorney to contact them on the matter that same day. I figured it was a scam because I had not received anything in the mail about any kind of claim made against me and he did not mention that it was an attempt to collect a debt or anything, he just said a claim was filed against me due to a failed banking transaction and he had all my details. I attempted to call the company a few times today, XX/XX/XXXX, but after repeated calls due to bad phone signal, they kept throwing me on hold without saying anything, one instance where some guy used my full name to answer instead of " How may I help you? '' then the XXXX proceeded to call me 2 more times and left a silent voicemail. I had a similar phone call a few months ago about someone coming to my house to get some claim papers signed, but they called multiple times and left the same recorded message and that let me know it was a scam, so I 'm a bit cautious about XXXX XXXX XXXX trying to scam me out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: MD

Complaint narrative:
Applied for apartment at  XXXX   XXXX  in MD which required a credit and background check. Called back the facility on  XXXX / XXXX /   17  to receive update of application status and was told I was denied because of bad Credit History provided by   XXXX   XXXX   XXXX   XXXX   XXXX  . Called the agency responsible for the report and managed to get a copy of the report on  XXXX / XXXX / 17 . Report at top states no match to my social security number. Report has same n ame, DOB, a nd some matching information l ike one fo rmer address and  XXXX   XXXX  information. Other places of residence in Florida, Social Security Number, Collections History and  XXXX   XXXX  card information are not mine. Report states  Trans Union  was used as referral for report. Checked with  XXXX   XXXX  on  XXXX / XXXX / 17  and confirmed that no one else on my account. Pulled free credit report and received  XXXX  report stat ing Credit bac kground is exceptional, no collection and no  XXXX   XXXX  account present. Due to false information provided lost the apartment unit I was looking to move into and application fee and securit y Deposit.

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 2017-06-07 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was just given a credit increase wit h Barclaycard rewards  card to find out this am they lowered my limit from  XXXX  to   XXXX   with a balance of  XXXX . I have never been late. Always paid well over what was asked. Just got a credit increase 2 months ago. All my other cards were increased too. My credit to debit is 17 % and my score is  XXXX . So with no reason, no letter, no call, no email of notice to this I am now at a 95 %!! Is it legal for them not to let you know even tho on their paperwork it say they notify you 45 days prior?

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 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Received a bill  from Credit Control Cooperation ( Fo rmally known as   XXXX   XXXX   XXXX   ) on or about  XXXX   XXXX   XXXX  for the amount of {$130.00}. Called company and they said I had a bill I had not paid. I disputed that and said I had my records to prove that I had paid all the bills from the   XXXX   XXXX   of  XXXX   (  XXXX  )  from last year  XXXX . They told me that I did not owe anything and could n't understand why I had been billed. Transferred to another dept they said they would investigate. Called back the next day and said I owed a bill from  XXXX . I called them back and asked if I owed a bill from that time why did anybody bill me repeatedly or call. They said I must have moved thats why I did not get a bill. Wrong, have been at same address for 18 years. Oh I must have a different telephone number. Wrong have had the same number for 18 years. Then they said if I did not pay they would put this information on my credit report in  XXXX . Have tried to get in touch with   XXXX   but they have not returned any calls. If I had owed from that time why did I never get a bill. Also I had an account with  XXXX  last year, there was some accounting errors last year but the  XXXX  said it was because of moving billing companies. I was told that I had paid all by bills. If I had an outstanding bill form  XXXX  would n't I have known about it and wouldent they have billed me again last year. Additionally, I believe that the statue of limitations has passed for the supposed debt. Why are they doing this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I had auto insurance with   XXXX   XXXX   back in  XXXX  which I drop, because I called to see how much will it be for me to add full coverage to my   XXXX   XXXX   XXXX  . I was inform that my truck did n't have any coverage due to none payment in the sum of {$56.00},  XXXX   XXXX  thru  XXXX   XXXX ,  XXXX . I asked the rep how is this possible due to the fact, that my payments is automatic drifted out of my account and that was the reason my insurance was so low. The rep said she seen where I had auto drift, but something must have happen to the system, so in other words you had me driving illegal and adding to that I could have hurt someone and did n't have insurance.  XXXX  want me to pay something that suppose have been taking out of my account in the first place and put the debt on my credit report.  XXXX  said the only way that they would take it off my account if I prove I have insurance after I drop them. IT 'S NONE OF THEIR BUSSINESS, I HAVE OR DO N'T HAVE INSURANCE, IT DID N'T MATTER WHEN THE TOOK IT OFF WITHOUT TELL ME. I WANT THAT DEBT REMOVED FROM MY CREDIT REPORT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Several months ago my mortgage was sold t o Freedom  Mortgage based in Texas. Some time around  XXXX  o f 2017 I stopped receiving mortgage statements so I called to inquire. The mailing address on file matched my mailing address and I were assured I 'd start receiving correspondence. Two more calls because still no mail. The third call revealed they were getting the statements returned " undeliverable ''. Two months ago I went online to print off a mortgage statement and the mailing address was in Maryland. Subsequently my identity had been stolen which is another issue altogether that was revealed because the Maryland address was used to try and change my Social Security direct deposit bank and account number. The last call I made to Freedom the girl put a " change order '' in to correct   the mailing address. 15 minutes ago I went to print another mortgage statement and the address is still in Maryland. My fear is that there might be someone inside Freedom stealing identities or they were hacked. I asked on the last call and the girl said she did n't have any information about a hack.

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 2017-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacte d Trans Union with two letters, whic h first was mailed  XXXX   XXXX ,  2017  and second  one  on  XXXX   XXXX ,  2017  requesting Identity Theft Block in accordance with Sectio n 605B of the  FCRA and they clearly are refusing to block all the information I sent them by mail twice, with  USPS Certified  Mail with Return Receipt. They sent me a letter stating the declined due to either : a ) Been made in error, b ) is a misrepresentation of material fact relevant to the request to block. I have no idea what they mean in ( b ), but this definitely is not an error. I am a victim of identity theft and do n't understand what this is about. I want these block with accordance to Section 605B of the FCRA.    Trans Union is clear ly violating my FCRA rights. I am uploading both letters I mailed them and the return receipts.

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 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I am writing a c omplaint regarding how AmeriHome Mortgage has been handling my escrow account. I can not    get a straight answer if they HAVE or HAVE NOT paid my property taxes. I have made numerous attempts to get this resolved, now I am behind on my property taxes and I do n't know whether I am current or not. AmeriHome Mortgage advised me I am current and i 'll get a check back, however the city and county says otherwise.
<P/>
Please I need your help.
<P/>
Date : 2016 Amount : tax owed {$5600  .00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: CITIBANK, N.A.
State: DC

Complaint narrative:
-There are two Citibank student loan accounts that are negatively affecting my credit report ( A redacted screenshot is attached. ) -The " first account '' was opened in XX/XX/XXXX. I experienced financial difficulty beginning in late XX/XX/XXXX. Despite making minimum payments, Citibank charged-off the account in XX/XX/XXXX. <P/>
-The " second account '' appeared on my credit report in XX/XX/XXXX. This second account is listed as being " In Collection. '' -There are separate telephone numbers for each of these two Citibank accounts. I called the number associated with the " first account '' and the recording indicated that Citibank no longer services student loans and that I should contact " XXXX XXXX. '' Upon contacting XXXX XXXX, I gave them my identifying information and they indicated that they could not find an account for me. I called the number associated with the " second account '' and the recording indicated that the number dialed was no longer in service. <P/>-Thereafter, I filed a dispute with the three major credit reporting agencies ( XXXX , XXXX , and XXXX ). The results of my disputes with the major credit reporting agencies stated that the information for both Citibank accounts is " accurate and has been updated. '' -Request for resolution : 1. How can the information related to these two Citibank accounts be " accurate '' when neither telephone number will put me in touch with someone with knowledge of these accounts? <P/>2. How were the major credit reporting agencies able to contact someone to allegedly validate this information when I can not do so with the information provided in my credit report? <P/>3. Citibank has neither notified me about the " second account '' that is allegedly " In Collection '' nor have they provided me an opportunity to address this collection 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 non-monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
Account #  XXXX   Professional Adjustment says I owe {$620.00} on my credit report. I have asked the credit bureaus to validate t his debt. I have also called professional adjmnt Company who says they can not talk to me they have a cease and decease they have never sent a bill or validated this debt with me. They are voilating my right to have this date validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation