vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 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: NC

Complaint narrative:
I financed a vehicle with XXXX XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my complaint.

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 2020-05-13 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:
incorrect and fraudulent items I see on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
Payment was sent before my account was switched from XXXX. I set up Freedom Mortgage ( I entered all Freedoms info ) in my bill pay account once I found out it was transferred, but my bank took the payment as if I wanted to pay that day. The payment was made too early and was never applied to my account. My account is now in delinquent status with Freedom Mortgage after multiple attempts of me reaching out. The most recent person Ive spoken to asks for a wire ID number which was provided. I've provided everything you've asked for verifying the ACH transfer. I've spoken to rep after rep after rep and keep getting the run-around.

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 2020-05-13 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: NJ

Complaint narrative:
I am a victim of identity theft

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 2020-05-13 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: DISCOVER BANK
State: MD

Complaint narrative:
Seems that during the COVID 19 pandemic the credit card company 's are lowering credit limits on top of balances. Account in good standing, never late as a matter of fact have no lates on credit report. Had a XXXX balance on a Discover Card with a XXXX limit. My statememt this month shows me having a XXXX limit. 

This has major impacts on credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I went to XXXX XXXX from XXXX to XXXX to the XXXX XXXX XXXX program. During that time I was told they the program was accredited and that I would be able be certified. The program never became accertified and I was never able get a job in that field. 

I submitted a Borrowers Defense Claim in XXXX for the XXXX XXXX student loans. It has now been 3 years and the claim is still pending. Because this claim is still pending its affected my credit greatly and its even affected me trying to buy a house. When I called Navient to see my payment options where I was told it would be over {$800.00} a month. There isnt even a chance to consolidate loans for a lower payment due to the ongoing dispute. Due to this dispute, I am not able to move forward or pursue additional resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED TEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XX/XX/2019 {$1100.00} I have contacted this company about this company. no result has been handle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
chexsystems  is knowingly reporting a fraudulent items masquerading as accounts on my consumer file. I have provided police reports identity theft affidavits. No real investigation was done. If so they would have found out that this item is fraudulent

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 2020-05-13 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: NJ

Complaint narrative:
I am a victim of identity theft

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 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2020 there were 3 charges on my account that were fraud I let them know that i didnt make these purchases they refused to stop the transactions and give me my money back the company is American Express Serve. The amounts are XXXX, XXXX & XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Navy federal credit union has not provided me strict proof of contract, my identity was stolen and and bank account information was taking without my knowledge. Navy federal has not provided a strict Proof of contract and they must ceist and desist any and all of collection efforts immediately. If they transfer this account to an attorney without providing proof of contract he or she will be immediately reported to the state bar association and professional liability fund for code of ethics violations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
I was in the process of getting a mortgage through a different company which was at a higher interest rate when I received an email from Better Mortgage aka Better.com stating that I could get a lower interest rate if I applied with their company. I clicked the link and completed the application and it said for me to email XXXX to explore my " options ''. I didn't receive a response. I get another email from Better.com asking me to complete my application. I went through all the pages everything was completed so I asked my husband if he wanted to be co-borrower I figure maybe additional income was needed for my application. I received notification from my credit monitoring system that Better Mortgage Corporation accessed my credit report twice on XX/XX/XXXX and XX/XX/XXXX. I received another email from better.com stating that I was denied approval because " loan representative 's credit score needs to be increased to XXXX ''. In the middle of this same email it stated " Your credit score : XXXX Date of credit pull : XX/XX/XXXX. '' I filed a complaint with XXXX XXXX XXXX and XXXX XXXX of Better.com responded to complaint saying that my credit score was below XXXX which was not true. I asked her how did Better.com get my contact information and why they sent me that email to apply for a lower interest rate mortgage when I was already in the process with another company. She said they got my information from XXXX XXXX. Because Better.com pulled my credit THREE times on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX this inadvertently affected my original pre-approval with the other company. Better.com had no intention of approving me for anything even though my credit score was higher than XXXX. I checked FICO scores for XXXX  and they were higher than what Better.com was reporting. XXXX XXXX was reported the scores 100 points higher for XXXX  upward XXXX. Either way, I should have been able to qualify for pre-approval for a lower interest rate mortgage by myself without a co-borrower but the Better.com system did a bait and switch and got me to include a co-borrower so they can get his information as well for marketing purposes. Even after Better.com denied me they continue to send emails asking me to complete the application. I feel this company is using phishing, bait and switch, and taking advantage of people during the COVID-19 pandemic by getting access to their credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED TEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2020-05-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This is a follow-up complaint to the original complaint : As the court assigned Power of Attorney for my Mother, the last couple of weeks I have been in contact with Resurgent Capital Services, via numerous telephone calls, who are owned by Sherman Originator III LLC/ PYOD,  to determine if they own debt - {$64000.00} and the lien, that was placed on my Mothers home. A bankruptcy was filed and discharged in XXXX on the {$64000.00}, but somehow the debt and lien still exists and Resurgent Capital Services informed that they " purchased '' the debt in XXXX, from XXXX XXXX XXXX ( currently defunct ). I have requested and attempted to obtain validation of the debt and lien, through Resurgent Capital Services and documents they have provided do not have any identifying markers : account numbers, references to my Mothers name, address, debt amount, etc. The documents provided from Resurgent Capital Services were sent to a Title company, who indicates that the documents are " suspicious looking ''. If Sherman Originator III LLC/PYOD/Resurgent Capital owns this debt and if this indeed a valid debt, I need to obtain verifiable debt validation in order to proceed with the PYOD approved settlement offer of {$6500.00}. Additionally, I need the recording information for the Trust Deed and assurances that after paying the documented settlement offer of {$6500.00}, the account will be satisfied in full ( whole ) and that a reconveyance will be issued on the {$64000.00} lien : : : : : The company sent all requested documents and approved PYOD settlement payment of {$6500.00} was sent and was received by the company, so full said debt should be whole and account closed, but upon contacting the Resurgent last week to follow-up on when the reconveyance papers would be filed, the representative indicated that there was still a balance due of {$58000.00} and that " they have no timeframe to file the reconveyance paperwork ''. I ignored what she stated and assumed that Resurgent had not yet updated their files, but today, I received a letter from Resurgent that mimics what the Customer Service representative stated last week ; that there is still the balance due of {$58000.00}. This is false? The entire debt was resolved via the {$6500.00} approved PYOD settlement offer. Why did I receive this document and when will the reconveyance papers be filed with XXXX XXXX courts?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: TN

Complaint narrative:
I been trying to get in touch with the way to go company to get a new card to receive my child support. Two weeks later Im still not able to get in touch I held the phone for 8 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was in the process of getting a mortgage through a different company which was at a higher interest rate when I received an email from XXXX XXXX aka XXXX stating that I could get a lower interest rate if I applied with their company. I clicked the link and completed the application and it said for me to email XXXX to explore my " options ''. I didn't receive a response. I get another email from XXXX   asking me to complete my application. I went through all the pages everything was completed so I asked my husband if he wanted to be co-borrower I figure maybe additional income was needed for my application. I received notification from my credit monitoring system that XXXX XXXX  XXXX accessed my credit report twice on XX/XX/XXXX and XX/XX/XXXX. I received another email from XXXX stating that I was denied approval because " loan representative 's credit score needs to be increased to XXXX ''. In the middle of this same email it stated " Your credit score : XXXX Date of credit pull : XX/XX/XXXX. '' I filed a complaint with XXXX XXXX XXXX and XXXX XXXX of XXXX responded to complaint saying that my credit score was below XXXX  which was not true. I asked her how did XXXX get my contact information and why they sent me that email to apply for a lower interest rate mortgage when I was already in the process with another company. She said they got my information from XXXX XXXX. Because XXXX pulled my credit THREE times on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX this inadvertently affected my original pre-approval with the other company. XXXX had no intention of approving me for anything even though my credit score was higher than XXXX. I checked FICO scores for Transunion and they were higher than what XXXX  was reporting. XXXX XXXX was reported the scores XXXX  points higher for Transunion upward XXXX. Either way, I should have been able to qualify for pre-approval for a lower interest rate mortgage by myself without a co-borrower but the XXXX   system did a bait and switch and got me to include a co-borrower so they can get his information as well for marketing purposes. Even after XXXX denied me they continue to send emails asking me to complete the application. I feel this company is using phishing, bait and switch, and taking advantage of people during the COVID-19 pandemic by getting access to their credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I was in the process of getting a mortgage through a different company which was at a higher interest rate when I received an email from XXXX XXXX aka XXXX stating that I could get a lower interest rate if I applied with their company. I clicked the link and completed the application and it said for me to email XXXX to explore my " options ''. I didn't receive a response. I get another email from XXXX   asking me to complete my application. I went through all the pages everything was completed so I asked my husband if he wanted to be co-borrower I figure maybe additional income was needed for my application. I received notification from my credit monitoring system that XXXX XXXX  XXXX accessed my credit report twice on XX/XX/XXXX and XX/XX/XXXX. I received another email from XXXX stating that I was denied approval because " loan representative 's credit score needs to be increased to XXXX ''. In the middle of this same email it stated " Your credit score : XXXX Date of credit pull : XX/XX/XXXX. '' I filed a complaint with XXXX XXXX XXXX and XXXX XXXX of XXXX responded to complaint saying that my credit score was below 620 which was not true. I asked her how did XXXX get my contact information and why they sent me that email to apply for a lower interest rate mortgage when I was already in the process with another company. She said they got my information from Credit Karma. Because XXXX pulled my credit THREE times on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX this inadvertently affected my original pre-approval with the other company. XXXX had no intention of approving me for anything even though my credit score was higher than 620. I checked FICO scores for XXXX  and they were higher than what XXXX was reporting. Credit Karma was reported the scores 100 points higher for XXXX  upward XXXX. Either way, I should have been able to qualify for pre-approval for a lower interest rate mortgage by myself without a co-borrower but the XXXX   system did a bait and switch and got me to include a co-borrower so they can get his information as well for marketing purposes. Even after XXXX denied me they continue to send emails asking me to complete the application. I feel this company is using phishing, bait and switch, and taking advantage of people during the COVID-19 pandemic by getting access to their credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I received correspondence from Receivables management in an attempt to collect a debt. Receivables management has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. 
No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed contract between myself and this creditor, not a copy. 
7. A copy of all payments made with beginning and ending balances 8. original creditor. 
If Receivables management is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from Receivables management in any manner other than permitted I will cease all communication ( invoking my legal right to request fco to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.Thank you for your assistance.

Company response to consumer: Closed with explanation