vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: AL

Complaint narrative:
I was a victim of Identity Theft this summer. I thought it was over in XXXX when the person went to jail and pled guilty. I had fraud alerts placed on my credit report and followed all recommended steps. However, Ive had 4 new inquiries go through onto my credit report since Then. I DO NOT understand the point of having companies to protect us after going through XXXX from the first Identity thief, just for the companies to not do their job and allow another thief to mess up my credit. Not just once, but four times!!

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 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I was a victim of Identity Theft this summer. I thought it was over in XX/XX/XXXX when the person went to jail and pled guilty. I had fraud alerts placed on my credit report and followed all recommended steps. However, Ive had 4 new inquiries go through onto my credit report since Then. I DO NOT understand the point of having companies to protect us after going through XXXX from the first Identity thief, just for the companies to not do their job and allow another thief to mess up my credit. Not just once, but four times!!

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 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I was a victim of Identity Theft this summer. I thought it was over in XX/XX/XXXX when the person went to jail and pled guilty. I had fraud alerts placed on my credit report and followed all recommended steps. However, Ive had XXXX new inquiries go through onto my credit report since Then. I DO NOT understand the point of having companies to protect us after going through XXXX from the first Identity thief, just for the companies to not do their job and allow another thief to mess up my credit. Not just once, but four times!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I purchased my home XX/XX/XXXX from XXXX XXXX XXXX, and its been conveyed over to various companies. The current company XXXX XXXX is using a fraudulent assignment to claim standing to be able to foreclosure on my property. 
Planet home refused the restructure my loan to a fair market value. I completed dispute the amount XXXX XXXX XXXX is stating I owe.I revoke the POWER OF ATTORNEY XXXX XXXX is using to foreclosure on my property in XXXX Co Real Estate Division of Superior Court XX/XX/XXXX BOOK XXXX Page 64. I do not give XXXX XXXX Power of Atty to foreclose on my house. I gave XXXX XXXX XXXX rights in XX/XX/XXXX and the are no longer doing business in Georgia. I did n't authorize the transfer of the Power of Atty. I Dispute the debt Planet Home is claiming I owe to them I have no contract with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In XXXX XXXX my husband disputed an account with Equifax because they were reporting an account included in a BK with current activity showing up. After weeks of phones calls to the creditor ( XXXX XXXX ) we were able to get them to notify the credit reporting agencies that the account was not included in our BK. XXXX XXXX sent a letter out to all credit reporting agencies to inform them of this. All of a sudden the XXXX account is showing up on my credit report along with my husbands stating that a charge off occurred on XXXX in the amount of {$800.00}. It also states that a charge off in the amount of {$1600.00} also was done. This is also incorrect. XXXX XXXX then sent my husband and myself a letter proving that the {$800.00} was actually charged off on XXXX/XXXX/XXXX not XXXX. Equifax is re-aging the account which is illegal. I am now getting notifications that a new BK is showing up on my credit report which is also incorrect. Our BK was discharged back in XXXX XXXX. The {$800.00} that was charged off is over 7 years of age. Because XXXX XXXX had the account listed incorrectly we were never made aware that this even existed. Our lender is the one that told us about it and stated that this account was showing current activity and listed as a BK and needed to be corrected in order for us to purchase our home. This should not even be on my credit report. XXXX deleted the account completely. My husband added this information to his dispute with Equifax and they just rejected it stating it was a duplicate when in fact IT IS NOT. It included the new information from XXXX XXXX showing that the account needs to be corrected. I have tried and tried to file my own dispute with Equifax online and continue to get timed out or they can not locate my file etc. I am fed up and want this incorrect information fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The credit card account ending XXXX with XXXX XXXX XXXX USA is the subject matter of this complaint. This account was opened around XX/XX/XXXX. Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me ( the consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
My account is reporting a debt with the defense finance and accounting services and the is no debt I have called XXXX and they have verified there is no 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 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one will not allow me to connect and external application to my information in order to analyze my spending and service costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Halsted Financial Services, LLC.
State: OR

Complaint narrative:
I received a call with no one on the line. When it hung up I dialed back. The agent refused to give me their name, business name or what it was regarding unless I give my social security number or date of birth. When I told them I would not do so unless they identify themselves they stated they would keep calling until I did. When I told them to add me to the do not call registry they stated I had to provide my social security number to be added to it. I told them it was a violation of the FCRA to do so, and to refuse to even identify themselves, so they hung up. When I called back again they identfied themselves as Halstead Financial and refused to give any further information stating they would review the call and solve it internally. No agent identified why they were calling, and only the second stated it was an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
This is a closed account. I charged only {$200.00} and have paid {$230.00} this company refuses to completely close this account and now theyre telling me the balance on the closed account is XXXX and after the XX/XX/XXXX of each month they will continue adding late fees and interest on the closed account. At this point they are charging late fees and interest on late fees. They refuse to close it out completely and remove these absurd fees they continue to add to the closed account. I would like for them to close this account completely and remove those fees. I have paid them all I owe 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 monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc.
State: CO

Complaint narrative:
This company keeps calling for a XXXX XXXX XXXX dozens of calls - maybe one per day for several weeks ), and we have repeatedly told than that she is not at this number. Yet they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: NM

Complaint narrative:
TransUnion has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {$240.00}. This account has been removed from all of my credit reports multiple times, but is put back on when TransUnion attempts to sell me one of their monitoring products that I decline to purchase. 

Even though XXXX XXXX has acknowledged this account to be fraudulent and closed the account TransUnion refuses to remove it from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
i had to pay {$750.00} to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX in XX/XX/XXXX.They transfered it to Rash Curtis & AssociatesXXXX XXXX XXXX XXXX, XXXX, CA XXXX i paid Rash & curtis {$750.00} on XX/XX/XXXX.after paying bill also they did n't send me a receipt and did not provide me a bill for it, still they sent this as negavtive item to XXXX credit baurau.

i requested XXXX to remove it from my credit report they said they ca
n't do it though it is paid, Rash & curtis associates and XXXX XXXX XXXX XXXX XXXX said same

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: AZ

Complaint narrative:
I first acquired a {$10000.00} loan from XXXX XXXX to attend a local school, at which time I was making payments at 9 % interest, {$80.00} per month, I was unable to find work in that industry as all of the prospective employers stated they would not hire anyone from that school which teaches same style to everyone, like a robot. I was offered deferrment for 5 years ending in XX/XX/XXXX, I took it. I then was offered forebearance there after, I never knew there was a plan for financially challenged individuals. The loan was then moved to XXXX in XX/XX/XXXX at that time interest accrued and compounded to {$30000.00} at the same 9 % interest as originated. I was offered again to place loans in forebearance, at one time during the next couple years I was about to default due to utilizing all of my forebearance allowed, it was explained to me, there was a program in XX/XX/XXXX that can get me out of default if I paid {$90.00} per month for 9 months, according to my gross income of {$2000.00} per month. I made payments for specified period, and my loan was placed back in good standing with credit bureaus. After that I was once again placed in forebearance to pay at that time {$370.00} per month as only resolution to my issue. In XX/XX/XXXX my loan was passed on to Navient, {$42000.00} at that time, as they contacted me I explained that I was only making {$1700.00} per month gross, once again the answer I was given was forbearance. My loan balance is now over {$60000.00}, over {$50000.00} is interest. Ive been in and out of XXXX since the economic downturn in XX/XX/XXXX. I get work when possible but still only make {$1700.00} per month gross, my latest forebearance that Navient just put me on without my knowledge, ends XX/XX/XXXX and payments of {$700.00} per month will resume for a total of 300 months. Im getting back on my feet and my credit is getting better, however, I will not be able to make {$700.00} per month payment and inevitably will go back into default and credit back down the tubes. Im just looking for a payment I can make I dont care if I pay the loan for the rest of my life. I dont know where to go for help, so I look for direction. Thank you for help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: COMMERCE BANK
State: MO

Complaint narrative:
I bought a new XXXX XXXX XXXX on XXXX/XXXX/XXXX and got a loan for about half the value of the car from Commerce Bank. When I went to add the new car to my insurance, the quote I got from my current insurance agency was too high so I switched insurance carriers and that took about a month - I had my new coverage established on XXXX/XXXX/XXXX. Commerce Bank is now insisting that I show proof of insurance cover from XXXX to XXXX or they are going to charge me a XXXX premium of {$220.00}. I understand their need to protect the collateral for this loan but those dates are in the past - I did n't have any accidents or incidents so I 'm not sure why they think they have a right to charge me retroactively just because I can not produce proof of insurance after switching carriers. I am just going to pay off this loan and be done with Commerce Bank because they XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: Grant Mercantile Agency
State: CA

Complaint narrative:
I first contacted Grant Mercantile which I believe is a collection agency on XXXX. When I contacted this company about the accounts they have furnished on my credit reports they verified the accounts with the credit bureaus without supplying any proof that I owe the debt. I am also disputing with the credit bureaus, but I am being ignored by Grant Mercantile. 4 accounts opened : XXXX. XXXX. XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called XXXX XXXX store card which is a part of Citi Bank. The interest rate is rather high. I have NEVER missed a payment and asked to have the interest rate lowered they said no. 

I feel I am being unfairly treated and want to complain.

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 2017-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MI

Complaint narrative:
As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CO

Complaint narrative:
I am not able to make my payments and Sallie Mae does not care. They only offered two payment options that would increase my monthly payment even more then they already do. I have called multiple times and nothing was done to help. They told me to not pay it so I can get calls from their collection agency. I live with my grandma and I help pay the bills and I barely have enough to make it day to day. I can not continue paying $ 1000s of dollars going up so much each month. And no one will consolidate because I dont make enough

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: NJ

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that Equifax is reporting inaccurate credit information. I am perturbed that Equifax have included the below stated item in my credit report due to its damaging effects on my good credit rating. An account was placed under my name erroneously. Since then, Equifax has damaged my name, and my credit Equifax has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX  mistake XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX

Company response to consumer: Closed with explanation