vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Why cant my credir card be approved Ive applied multiple times and get declined for same reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s )  responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : 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 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : 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 2020-05-06 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: MO

Complaint narrative:
XXXX XXXX  and XXXX and reporting inaccurate information. they are also displaying the wrong fees and interest. The account does not reflect payment and they are violations of fcra and FDCPA

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 2020-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
The aforementioned credit collection agency representing whomever AFNI, INC. is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: MO

Complaint narrative:
XXXX XXXX and XXXX and reporting inaccurate information. they are also displaying the wrong fees and interest. The account does not reflect payment and they are violations of fcra and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: MO

Complaint narrative:
XXXX XXXX and XXXX and reporting inaccurate information. they are also displaying the wrong fees and interest. The account does not reflect payment and they are violations of fcra and FDCPA

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 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Located in XXXX XXXX XXXX this company engaged in REPEATED CONSUMER FRAUD, violating both Federal and California Consumer Laws. This Fraudster does not credit my mortgage payment paid in the beginning of every month and creates a FRAUDULENT mortgage loan balance forward dating XXXX of each month, without crediting mortgage payment. 

Did not credit all mortgage payments - including XXXX, 2020 and XX/XX/2020 mortgage payments. 

This Fraudster did not even comply with First Qualified Written Request. 

My patient has run out. I will sue this Fraudster on XX/XX/2020, seeking damages and attorneys fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was living in an apartment at XXXX XXXX and was forced to find a new place to live because of an overgrowth of mold. XXXX XXXX would not treat or remove the mold and it was affecting my health. XXXX XXXX reported a collection account on my credit report, so I hired an attorney and proceeded with litigation in XXXX of XXXX, resulting in a financial settlement of {$2500.00} from XXXX XXXX to myself. In addition, it was ordered to remove any collection account notifications from my credit report. It is now XXXX and the collection accounts are still reporting on my credit report. I have sent disputes to Nation Credit Systems, XXXX, XXXX  and XXXX  and included copies of my records from the settlement, including the owner and manager 's signatures. Since those disputes were submitted, instead of removing the accounts from my report ( as court ordered ) ; on XX/XX/XXXX the accounts were reported to be " verified '' with National Credit System and have been updated from an 'open ' status to a 'closed ' status. 
In addition, XXXX is now reporting the account TWICE with completely different balances, again reporting the information was " verified '' with National Credit System I have already gone through court for this account, I have sent the results of the settlement to National Credit Systems, XXXX, XXXX  and XXXX. They are court ordered to remove the accounts, but now they are damaging my credit even more? It has caused me to be denied by mortgage lenders and is preventing me from obtaining further credit, I really do not understand how or why they are not only refusing to abide by the lawsuit settlement, but now they are making it worse. It almost seems like it's intentional? I did not have any issue in pursuing litigation with XXXX XXXX  after they began to damage my credit, I will not hesitate to pursue litigation with National Credit Systems, XXXX, XXXX, and XXXX. I do not understand how National Credit Systems has " verified '' the information as the bureaus have reported? And now they are damaging my credit even more?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I lost my house in the XXXX XXXX XXXX in XXXX XXXX, CA. 

I Received our funds from the insurance company and sent them to our loan company which was being serviced by Loancare. The funds were deposited into a restricted escrow account and the funds would be released as needed for the rebuilt. 

I had many problems starting from the beginning getting the funds just to build the house. During the full time I kept asking about the interest on the restricted escrow account and would never get a full answer. 

On XX/XX/XXXX and XX/XX/XXXX I was told both 2 different supervisors that I would receive the interest on the restricted escrow account at the end. I have never received the funds. We moved into our newly built house XX/XX/XXXX. 

I have sent multiple letters stating that per the CA Civil Code # 2954.8 I am to receive 2 % interstate 's on the funds that are in the restricted escrow account. I have waited and never received answers to my questions. 

I have talked to many other people who also lost their homes in the fire and they received the funds from their loan company with no problems. 

Every time I try to get answers I am put on hold, hang up on or told someone would call be back with more info. They never call back or give my answers. 

I have filed a complaint with the XXXX XXXX XXXX and they are trying to say I am not owed but per all the info for California I am. I have disputed the last answer on XX/XX/XXXX and per XX/XX/XXXX they have not responded again to the XXXX XXXX XXXX. 
I have tried to call the department of the loan company they give for questions, but no one will return my call and all it says that they are closed. 

I am so confused how a company can refuse to help their customers. 

Every time that I call I feel that I am just a loan number and they don't seem to listen to what your full questions are.

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 2020-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The aforementioned credit collection agency representing whomever XXXX, XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX  and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.

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 2020-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Global Lending Services LLC
State: TX

Complaint narrative:
On XXXX XXXX, I filed Chapter XXXX Bankruptcy. I asked my attorney to reach out to my creditor Global Lending Services, about establishing a reaffirmation agreement for my car loan. A reaffirming agreement was sent to my attorney by XXXX XXXX XXXX prepared by a 3rd party representative for Global Lending Services the agreement was signed by both parties and filed on XX/XX/2020 with the bankruptcy courts. My case was discharged on XX/XX/2020. I contacted Global Lending Services by phone and email for several months trying to get them to update my account information according to the agreement so that my account would show as current however, each time I called customer service no one could help me or knew what I was talking about. I became concern about my loan going into default even though I was paying the amount identified on the reaffirmation agreement as stated they were still listing my account as past due, showing the original loan information prior to the agreement. Once my discharge was granted by the court XXXX XXXX XXXX began the collections calls every day, when I try to explain about the reaffirmation agreement no one could help me to understand what the issue was they just wanted me to pay the past due amounts they had listed on my account. Finally in XX/XX/2020, I was forwarded to a representative by the name of XXXX who told me she could not do anything until she heard back from XXXX XXXX XXXX  who handles their bankruptcy case this is a 3rd party representative. On XX/XX/2020 GLS 3rd party representative reached out to my attorney implying the original reaffirmation agreement sent by them to my attorney and filed with the bankruptcy court on XX/XX/2020 was incorrect and I would need to sign a new one and file it with my bankruptcy case which had already been discharged as of XX/XX/2020. I refuse to do this when I already have a legal binding document filed with the bankruptcy court agreed upon by both parties and approved by the bankruptcy trustee. As of XX/XX/2020, I am still waiting for them to honor the original reaffirmation agreement signed by both parties and filed with the bankruptcy court to be honored by Global Lending Services. My account with Global Lending Services has not been updated per the original filed reaffirmation agreement and they are reporting each  month the incorrect information to the credit bureaus showing me as past due. I can not get a response from anyone as to when the filed reaffirmation agreement will be honored by them and my account updated accordingly. If I can not get this resolved with CFPB help I will seek additional legal actions to get them to honor this agreement filed with the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
I made a payment of {$500.00} on my student loan on XX/XX/20. 3 days later I had an outstanding interest payment of {$77.00}. This was after the care act was signed in XXXX. I've sent a dozen emails to my servicer, Fedloan, and keep getting told the interest has been removed, but it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX. I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: NC

Complaint narrative:
On XX/XX/2019 I opened an Ace XXXX Account under the promotion of receiving {$100.00} after establishing a direct deposit. I established this deposit on XX/XX/2019. My fee was changed from {$10.00} a month to {$5.00} a month due to the establishment of a direct deposit, but my {$100.00} never posted.

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