vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
There's account discrepancies on my credit file, the account XXXX XXXX shows late payments from, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX, all late payments inwhich I never been late, I'm demanding that these discrepancies be fixed within your system, or please provide me actual physical documentation otherwise, and electronic Verification can not be accepted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 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: MO

Complaint narrative:
There's account discrepancies on my credit file, the account XXXX XXXX shows late payments from, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX, all late payments inwhich I never been late, I'm demanding that these discrepancies be fixed within your system, or please provide me actual physical documentation otherwise, and electronic Verification can not be accepted.

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 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

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 2019-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
After my identity was stolen, I later found that my identity has been seriously compromised and unauthorized accounts has been opened and closed in my name. And now I'm demanding that these accounts be blocked from reporting to my credit files. Please remove the following account. 

1 ) XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: MO

Complaint narrative:
After my identity was stolen, I later found that my identity has been seriously compromised and unauthorized accounts has been opened and closed in my name. And now I'm demanding that these accounts be blocked from reporting to my credit files. Please remove the following account. 

1 ) XXXX XXXX XXXX {$2000.00}

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 2019-06-30 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: MO

Complaint narrative:
After my identity was stolen, I later found that my identity has been seriously compromised and unauthorized accounts has been opened and closed in my name. And now I'm demanding that these accounts be blocked from reporting to my credit files. Please remove the following account. 

1 ) XXXX XXXX XXXX {$2000.00}

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 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My private student loan account has been current with Navy Federal Credit Union Since XXXX. Some of the time until now my account has been in repayment, and for some of that time my account has been in forbearance due to financial hardship and my inability to make the monthly payments with my other debt commitments. I have submitted 4 consecutive forbearance requests during this time, all of which were approved. In early XX/XX/XXXX, I submitted another forbearance request which was denied by my loan servicer. I was told that the reasoning for my denial was that I am required to make 2 full months forth of payments before being able to submit another forbearance request. With this I have 2 problems : 1. ) If I were able to make 2 months worth of payments, I would not need to apply for forbearance. 2. ) On XX/XX/XXXX a representative from the XXXX XXXX Student Loan Collections department informed me that the rule for having to make 2 payments in-between every forbearance request was newly instated in XXXX of XXXX. I received no notice for the change in policy and could not have possibly prepared myself financially for their change in policy. The intuition offers no additional financial assistance ( ie. income driven repayment options ) that can assist borrowers with keeping their accounts current. Although I offered to pay half of my monthly payment at this time ( as this is what I can afford ) I was informed over the phone that a half payment is equal to no payment and will still result in consecutive negative reports to the three major credit institutions. They suggested that I attempt to refinance the loan, but that can not be done until the account is current. Additionally by making negative reports against my credit during my time of financial hardship, they are effectively sabotaging any chance I would have to be approved for a refinancing program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: VA

Complaint narrative:
I would like these unauthorized and unknown accounts off my credit file, or to show physical certified cause of why you and your company ( Experian ) is still reporting these fraudulent accounts. Please remove these accounts, 1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX {$1500.00} 4l XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: MO

Complaint narrative:
The BUREAUS collection agency was filed on my report on XX/XX/2016. The amount that this company is saying that I owe is a total of XXXX. I do not have a contract with their company, and I requested copies of the contract where it states that I should pay this amount. The Bureaus was not able to give any validation just a copy of a bill that I was not responsible for. I am asking the Bureaus to remove any collection amount from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: MI

Complaint narrative:
On XX/XX/2019 I sent a dispute letter to Experian. Disputing a medical collection account from XXXX XXXX XXXX. In that dispute letter i asked Experian for proof of verification for the account or delete it. An original consumer contract signed by me. Experian verified the account without sending me proof of any verification. Meanwhile i contacted XXXX XXXX XXXX to have this account verified, they sent a statement with my medical records on it but didn't provide a HIPAA medical records release. Violating my HIPAA rights. So I sent another dispute to Experian with documentation of the HIPAA Violation on XX/XX/2019, notifing them my HIPAA rights are being violated and that Experian is also violating my HIPAA rights if they don't provide me with a HIPAA release or delete this account. Once again Experian ignored my request and verified this account without providing me with proof of varification or a HIPAA medical release. I sent a third dispute only to get the same result no proof and no HIPAA release.

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 2019-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received information XXXX XXXX, via Select Portfolio Servicing , INC is attempting to fraudulently assign mortgages XXXX, XXXX and XXXX to XXXX XXXX and XXXX XXXX XXXX, Mortgage-Backed Notes Series XXXX. This assignment was electronically recorded by XXXX to the XXXX County Clerk in New York State on XX/XX/XXXX. How is it possible to assign a mortgage from two deceased persons? XXXX XXXX XXXX, my father, died on XX/XX/XXXX. XXXX XXXX XXXX, my mother, died on XX/XX/XXXX. My father 's estate is currently being probated and remains open, and is dated XX/XX/XXXX ( File # XXXX ). Neither XXXX XXXX nor Select Portfolio Servicing , INC has made a sufficient claim ; even after my numerous requests as the estate 's executor. Secondly, XXXX XXXX  and Select Portfolio , INC is attempting to foreclose on property in which they do not have a security interest in. On XX/XX/XXXX, XXXX ( XXXX XXXX ) stated they sold the loan to XXXX XXXX XXXX  Effective XX/XX/XXXX, yet has failed to provide any proof of endorsement or assignment. I am seeking a cease and desist on all assignments and formally requesting a copy of all submitted assignments any any endorsements associated with this transaction. I will be providing a copy of this request to the New York State Attorney General as well as XXXX XXXX XXXX, Surrogate Acting Supreme Court Justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: CA

Complaint narrative:
ACS/Conduent 's website is not in service and their contact phone numbers are not in service. I don't know how to make a payment on my loan without using the website, I can't even find a page with information on where to mail a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am paid automatically the same day every month by the US Government. This pay is guaranteed for my lifetime due to my combat service and non taxable. I have never had a negative mark on my credit history until this incident with Capital One. This past year the government made a clerical error at no fault of my own and withheld money in the spring of XX/XX/2018 and then again in the winter of XX/XX/2018. I received no notifications that I would get no pay prior and had to wait both times for the government to process a refund. During the last payment interruption I contacted the credit company to notify them of the government shutdown. They agreed to waive the late fees and I made a payment of {$10000.00} as goodwill to show my credit worthiness. I was told multiple times on different occasions by creditor that I would not be receive a mark on my report for payment. In XXXX they reported I had been 60 days late on payments although we had agreed to the payment waiver. I formally disputed the report and then they changed the report to 90 days. I formally disputed it again to no avail. I have called the company three times to voice my concerns and communicate these errors with Capital One and they will not offer any assistance or accept the official documents from my bank account, Department of Defense, or Veterans Affairs that prove the validity of my income, missed payments, and claim. 

I used this company specifically for the benefits of travel points they advertised. Capital One is taking advantage of XXXX veterans and servicemembers that have guaranteed income. I would have never used this company if I had known they would not cover government pay hardships that are formally documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HANCOCK WHITNEY BANK
State: AL

Complaint narrative:
Was denied a medallian stamp to unlock treasury acvount on or around XX/XX/2019. It was said that the amount in the account was needed in order to use seal. I came back the next day to rebut and was denied twice by XXXX XXXX of Hancock bank on the XXXX XXXX XXXX XXXX. On my second visit i was told she sent her medallion stamp back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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:
TO CFPB, I got an alert that Trans Union has lowered my score by more than 80 points due to XXXX XXXX reporting a late payment that just happens to be in the process of being worked out with my attorneys, If Trans Union would have done their due diligence they would have known this, but once again they seem to want to side step their responsibility and take the chance of not getting fined by CFPB or the FTC. And just FYI the account that was reported as having been late has been closed and the bal. is being worked out by my attorney who warred XXXX not to do anything while this was being worked out.

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 2019-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank, N.A. act # XXXX, showed up on our credit report in XXXX. This bank credit card was open under another account number which was included in my bankruptcy. At first I thought it was that account and that for some reason even though it was included in bankruptcy in XXXX that they had opened the card back up. I contacted the bank and they said the card was open and that they sent me a new card. I never received any card in the mail or any billing statement from XX/XX/XXXX to XX/XX/XXXX. I got a call from Capital One saying they were going to put a collection on my credit report if I didn't pay for this card and that they would hurt my credit. Since I work for the government and I didn't want anything else to hurt my credit or security clearance after I had filed a Chapter XXXX two years ago, I paid the card off and Capital One told me they would remove the derogatory statements from my credit if I paid. They never removed any derogatory statements from XX/XX/XXXX to XX/XX/XXXX and after further investigation including paying for all three of my credit reports, I discovered that this is for an account I am not even aware of opening and not the one that was supposed to be included in my bankruptcy. The company had the wrong address on file and had one of my old addresses too which I have had issues with the new person at this older address stealing property that is delivered to them by mistake that is for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
The debt was paid in 2014 in exchange for it being removed from all credit reports including XXXX. When contacted, collection agency gives me wrong info so I can't contact them. Persons name is : XXXX XXXX - D. Scott Carruthers Law Firm and Mountain Lion Acquisitions XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received information XXXX XXXX, via XXXX XXXX XXXX , XXXX is attempting to fraudulently assign mortgages XXXX, XXXX and XXXX to XXXX XXXX and XXXX XXXX XXXX, Mortgage-Backed Notes Series XXXX. This assignment was electronically recorded by XXXX to the XXXX County Clerk in New York State on XX/XX/XXXX. How is it possible to assign a mortgage from two deceased persons? XXXX XXXX XXXX, my father, died on XX/XX/XXXX. XXXX XXXX XXXX, my mother, died on XX/XX/XXXX. My father 's estate is currently being probated and remains open, and is dated XXXX XXXX ( XXXX # XXXX ). Neither XXXX XX/XX/XXXX nor XXXX XXXX XXXX , XXXX has made a sufficient claim ; even after my numerous requests as the estate 's executor. Secondly, XXXX XX/XX/XXXX and XXXX XXXX , XXXX is attempting to foreclose on property in which they do not have a security interest in. On XXXX XXXX, HSBC ( Beneficial Mortgage ) stated they sold the loan to XXXX XX/XX/XXXXXXXX Effective XX/XX/XXXX, yet has failed to provide any proof of endorsement or assignment. I am seeking a cease and desist on all assignments and formally requesting a copy of all submitted assignments any any endorsements associated with this transaction. I will be providing a copy of this request to the New York State Attorney General as well as XXXX XXXX XXXX, Surrogate Acting Supreme Court Justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
All my money has been stolen. I am living in the streets because if this. Just help me please. I'm not phone savwy so help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: NC

Complaint narrative:
To Whom it May Concern, I do not know what this company is trying to pull here, but this debt was negotiated over the phone, assured that this consisted of all debt and the debt was paid in full. This would be verified with telephone transcripts. Once again, I made sure that all of the medical debt that I owed this company was compiled, and that debt was both negotiated, explained the number of days I would have that offer, assured ( after repeated assurances ) that the debt was all of the debt to this company, and paid it in full using a credit card on that day. From reading what other people have stated online, this company seems to be notorious for this kind of behavior. It seems as though they are playing on the faint-hearted to see if they will fight. I am a fighter, but not all people are. this company has overstepped its bounds entirely, and I hope somebody can stop this type of predatory behavior. 
Furthermore, I contacted the XXXX, was told that somebody would be reaching our, and Amerifinacial Solutions has yet to make a single attempt ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Synovus Bank
State: NC

Complaint narrative:
Worlds foremost bank aka XXXX XXXX shows up in a loan application Along with XXXX XXXX # XXXX XXXX  XXXX # XXXX I need to know info On accounts They app was with ex husband XXXX XXXX And one XXXX  XXXX on my credit reports # XXXX

Company response to consumer: Closed with explanation