vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX I amassed an outstanding debt of {$3300.00} with my leasing company. It went to National Credit Systems , Inc. for collection. I was contacted via phone in XX/XX/XXXX. Payment arrangements were made and began in XX/XX/XXXX. No written documentation was received concerning verification of said plan at that time nor was any other confirmation sent ; however, payments did begin as scheduled. For some reason, the auto-payments stopped in XXXX and I did not notice until XXXX. At that immediate time, I called NCS to rectify the situation. I was told, after much verbal abuse, that I had been informed the payments would stop after 6 months and that any derogatory reports to credit agencies would not be removed. Keep in mind that NO written notification was sent NOR any voicemail left to continue or restart payments. At this time, in XX/XX/XXXX, I disputed this. Then, in XX/XX/XXXX, I requested a copy of the phone transcript which would prove either my stance or theirs ( NCS ). NCS refused. 

Those derogatory reports have negatively affected my life and I strongly believe if such reports are going to be made and defended, documented proof must be provided to the consumer, i.e. phone transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
I joined retro fitness around XX/XX/2017, and after a year I decided to cancel my membership due to health issues. 

I sent two certified letters to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. On XX/XX/XXXX I sent the first letter requesting for my membership to be canceled. I sent a follow up letter in XXXX because I saw that my membership was still active. 

Each and everytime I called the branch I was told that my membership was no longer active. 

Now I have a collection account on my credit reports for {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I applied for an apartment complex, XXXX XXXX, who uses XXXX for their third party screening. I applied and was approved at the end of XXXX. The XXXX inquiry shows on my TransUnion credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from XXXX on my report. I quickly called XXXX to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach  out to XXXX and let them know this was an inquiry in error. I also sent a dispute letter to TransUnion which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. TransUnion has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.

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 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been fighting ID THEFT for awhile now and there are fraudulent accounts and info on my credit report that please needs to be removed and or blocked. All supporting documents have been sent in on several occasions now. The following info is fraud and needs to be removed thank you. 
1. XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2019-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
i made a payment and it was not credited to my account, I began questioning this XX/XX/XXXX with XXXX XXXX. i submitted bank statements to resolve the issue. XX/XX/XXXX I followed up with XXXX XXXX and again with her on XX/XX/XXXX. I was told no issue was found but yet still disputed this as the funds came out of my account. My account continued to go behind and i was advised once the issue was resolved a payment arrangement COULD be made. I called in XXXX and was told the payment error was found and was applied to somone elses loan and NO ARRANGEMENT can be made and the loan was now in foreclosure. No follow up was made with me as i was told each time someone would follow up. This was not done. The account was only behind a month once when this occurred but due to the payment not posting correctly i was not able to make payments as full amnt was needed, i was told this would not be an issue once the payment was found and they could make arrangements. I also did not receive the demand letter that they say was sent, i received one that was suspended prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have tried working with the credit reporting agency to correct my info, however they are not helpful at all-there shows to be a XXXX XXXX XXXX XXXX account that should be removed -this info is not correct in it reporting. XXXX  has already removed this account and equifax has not updated to be in the same accord. This info is effecting me is many ways then one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Sallie Mae, now Navient, did not inform me in Fall of 2007 that I could have transferred my loan to XXXX XXXX. I started working as a public service librarian at a XXXX XXXX XXXX in XX/XX/2007. The PSLF program began in Fall 2007 with XXXX XXXX. Sallie Mae should have informed me that I could have transferred my student loans to XXXX XXXX at that time. This mean that I have been neglected the opportunity to be forgiven from the bulk of my student loan debt ( considering that I am still work as a pubic service librarian at the same place since XX/XX/2007 ). When I contacted XXXX XXXX about this matter, they said it was out of their hands and their was nothing they could do about it. Should I contact the Ombudsman ( if so, what is the contact information ) or should I start/join a class action lawsuit against Navient ( formerly Sallie Mae )? Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have tried working with the credit reporting agency to correct my info, however they are not helpful at all-there shows to be a XXXX XXXX XXXX XXXX account that should be removed -this info is not correct in it reporting. XXXX has already removed this account and XXXX has not updated to be in the same accord. This info is effecting me is many ways then one.

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 2019-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: VW Credit
State: FL

Complaint narrative:
Payment was paid but was put on the credit bureau. Tried to trade automobile because of lowering interest rate but volkswagen put a credit report which made my credit report fall from good to bad. not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am so frustrated with all three credit bureau, I been writing since 7 month ago been asking for them to dispute all this unknown item on my credit report nothing I been ask for prove from all three credit bureau no prove was sent I wrote all the collection company nothing was done I am in need of help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I sent 2 letters to two different addresses found on my credit report only to have them returned to sender.

Then I received a letter by mail from this from this company ( I.Q. Data International ) with 2 more addresses on it demanding that I provide certain information for them to help assist me with investigation of my claim. 

Then I reached out to the XXXX to use their platform to communicate with a representative from this company ( I.Q. Data International ) I reminded them of their legal duties as a company ... .an example of this was 1. FDCPA Section 807 ( 8 ) [ 15 USC 1692e ] 2. FCRA Section 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ] It has been more than 31 calendar days since I've sent my last challenge letter & they have yet respond with a resolution They are using stall tactics as well as illegal tactics to provide me with what they call " PROOF '' not an itemized printout of what they claim is my account or billing statement. 
The FTC has issued an opinion letter on this subject matter and this concludes that those do not represent verification. 

also I asked them for their method of verification FRCA Section 611 ( a ) ( 6 ) and ( 7 ), excluding XXXX because as we all know computers make errors so that would be considered Insufficient.

I have tried everything so I've been maintaining a careful record of my communication with I.Q. Data International/XXXX XXXX XXXX for the purpose of filing a legitimate complaint with you guys ( CFPB ) The date that is is question on my credit reports are XX/XX/17 and they failed to provide a copy of any alleged contract or other instrument bearing my signature. 
Their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws is disrespectful, embarrassing, and a misuse of authority. 

They should be held liable & fully accountable for their wilful non compliance, I take this matter very seriously & I'm desperately seeking results if you can please step in and lend me a helping hand to best of your ability I would so graciously appreciate it. This is my last goodwill attempt to have them clear up this matter which is inaccurate and represents a serious error in their reporting .... According to the law, the burden of proof is on the credit bureau and/or the furnisher of the information not the consumer!!! Thank u and have a nice day Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been the victim of ongoing ID THEFT and have a few fraud accounts as well as other info reporting on my TRANSUNION credit report. I have sent in supporting documents as well as other info in support of this. I am aware my file is begin handled by the specialized fraud team within TRANSUNION. the following is fraud and please needs to be blocked or removed. Thank You. 
1.XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX 2.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 3.XXXX Inquiry : XX/XX/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 2019-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I called into Freedom Mortgage for the last 2 weeks in hopes of getting a 6 month unemployment f/b due to the fact that I am unemployed. I am actively seeking employment and have a new job offer on the way. I was requesting the mortgage company speak with my girlfriend. I sent in a third party authorization several times. The company told me that it was received. I had my girlfriend call in on XX/XX/19 after speaking to XXXX at ID XXXX he told her he can't speak with her and hung up on her without any explanation. Freedom mortgage please review the call. XXXX was not knowledgeable, did not have basic information nor could he direct us to receive any information. We called back and spoke with XXXX at XXXX. XXXX verified the callers, received authorization from the account holder to speak with my girlfriend and proceeded to transfer us to loss mitigation to request an unemployment forbearance. Upon speaking with loss mitigation we spoke with a rep named XXXX XXXX who was less than helpful. XXXX did not appear to have knowledge on any of the products being offered. She proceeded to offer me a repayment plan in which I could make the full payment plus the arrearage spread out over 3 months. I kept explaining to her that not only could I not make the regular mortgage payment, there's no way I could get on a repayment plan until I am back working. She contradicted herself several times on what assistance could be offered. When I requested to speak with a supervisor she declined and said she would put in a request for an unemployment forbearance and I would have to wait 7 business days to see if I'm approved. In the meantime we have wasted weeks of our time with a servicing shop that is not knowledgeable and can not assist us with the help that we know is available to us. An unemployment forbearance is in place for borrowers who are unemployed. It's a short term assistance offer. At the conclusion of the forbearance the hope is that we may enter into a loan modification to cure the delinquency. At that time the borrower will be gainfully employed and able to make the mortgage payments and stay in good standing.

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 2019-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Since XX/XX/XXXX when I reported to HSBC that my account had been attacked by fraudulent activities, HSBC suspended and blocked my account, I could not access my HSBC saving, checking, credit and business accounts at all. But for next several months hacker ( maybe HSBC insiders ) did multiple illegal transactions from my account, also took cash advance from my HSBC credit card to my check then transfer out to unknown banks. HSBC did not recover from fraud, they simply did provisional and paid credit card plus interest. Then they took money from my account to return provisional. 

I filed complaint through CFPB 3 times. The last one was XX/XX/XXXX, ( case number is XXXX-XXXX ). Every time HSBC told government official they solved the problem, then CFPB closed my case. 

For more than half year, I have never received any direct contact from HSBC. I called and went to branches many times, they just do not help me at all. On XX/XX/XXXX HSBC XXXX branch manager hind from me for 5 hours, then called police to ask me leave, because they were closing. HSBC VP of customer relationship Ms. XXXX XXXX sent a letter to New York DFS. I received a copy from NY DFS, in the letter she even messed up my account number. She said, The remaining balance in your checking account ending in XXXX is {$1000.00} but in her attached the banking statements for DFS is ACCOUNT NUMBER XXXX. Obviously, she was lying to government officials, and NY DFS closed my case as you did. 

So far I have not recovered all my loss. 

In XX/XX/XXXX, I could not access my business account, I went HSBC XXXX XXXX branch. When the manager XXXX XXXX XXXX knew I had been abroad as XXXX XXXX he suggested me to open a premier account with credit account. He had all my personal information, then he left HSBC in XX/XX/XXXX without passing my document to new manager. So in XX/XX/XXXX, HSBC asked me to fill all the forms again. And assigned a new manager XXXX XXXX for me. Not long, XXXX left HSBC with all my personal information again. That premier account and credit account were the trouble accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
Moneygram withdrew funds from my account to an unknown person. I am concerned how this person or person ( s ) were able to access my information. I closed the account and contacted my bank. I did receive a credit finally from Moneygram, however I have to prove to my bank that this was a dispute and a scam because Moneygram would not credit the second send.

I reported this to the FBI Cyber Crime unit and I want to know how my account was compromised.

Your Receiver can now collect these funds at any MoneyGram Location in the expected destination. To find a Location, please check our Locator. You should communicate your Reference Number [ or Bancomer Confirmation Number, as applicable ] to your Receiver to facilitate payment. 


MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CST Sender Information MoneyGram Plus : XXXX Name : Phone : Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX United States Receiver Information Name : XXXX XXXX XXXX Expected Destination : United States Receiver State : Nevada Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May be available sooner ) Transfer Amount : XXXX XXXX Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Exchange Rate : XXXX USD = XXXX USD Receive Amount : XXXX XXXX Other Fees : XXXX XXXX Other Taxes : XXXX USD Total Receive Amount : XXXX XXXX MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXX XXXX CST Sender Information MoneyGram Plus : XXXX Name : Phone : Address : XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX United States Receiver Information Name : XXXX XXXX Expected Destination : United States Receiver State : Nevada Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May  be available sooner ) Transfer Amount : XXXX XXXX Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Exchange Rate : XXXX USD = XXXX USD Receive Amount : XXXX XXXX Other Fees : XXXX XXXX Other Taxes : XXXX USD Total Receive Amount : XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Several years ago I added my daughter, XXXX XXXX, to my accounts at Wells Fargo, thinking that as I get older it would be a good idea to make it easier for her to handle my affairs if I should become ill. 

In XX/XX/XXXX {$7400.00} was taken out of my account, XXXX without my, or my daughters, knowledge or consent. In addition, {$4300.00} was taken out of my account, XXXX, at the same time, again without the knowledge or consent of my daughter or myself. 

My daughter had filed for bankruptcy because of credit card debt. At that time she had a credit card with Wells Fargo, no other accounts with Wells Fargo. She contributed no funds to either of these accounts, and would not have permitted their use had she been asked. 

I have banked at the same place since I moved to XXXX in XXXX, XXXX XXXX which eventually became Wells Fargo. I feel that they should have made me aware of the pros and cons of having a joint owner on an account. 

This comes at a particularly bad time in my life, since my husband had a XXXX in XX/XX/XXXX. I have become his full time caregiver, and needless to say we have had many additional expenses. These funds, of almost {$12000.00}, represent most of my expendable savings. 

Though they claim this was a legal recovery " set-off '', I feel that it was unethical. I would appreciate your help in recovering these funds. 

Thank you, 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 monetary relief