vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: CA

Complaint narrative:
According to documents provided by Discover Card for Complaint ID XXXX submitted on XX/XX/XXXX to the Consumer Financial Protection Bureau ( CFPB ), my account was created on XX/XX/XXXX. The document can be found HERE. I lived at XXXX XXXX XXXX XXXX, XXXX CA XXXX from XX/XX/XXXX-XX/XX/XXXX, a total of 11 years and 8 months. 

Despite knowing my correct address located at XXXX XXXX  XXXX XXXX, XXXX CA XXXX, notice was provided to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX on XXXX. The document can be found HERE. 

Service was then sent to another incorrect address located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX. The document can be found HERE. 

On XX/XX/XXXX my personal information was submitted to a " XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Proof of Service can be found HERE. At no time did I live at ANY of those addresses. 

My correct address was on file. A copy of my utility bill from that time frame validating my residency can be found HERE. XXXX XXXX  failed to served notice and used court processes for the purpose of intimidation and to undermine consumer protections. 

My consumer rights were eliminated to secure a judgment without due process with the intent to commit fraud. Within recent months, I have discovered the extent of this abuse after extensive research. I have suffered emotional duress and damages because of the illegal activities committed by Discover Card. 

The aforementioned facts have been taken directly from XXXX XXXX Court Records Case No.  XXXX and from CFPB Complaint IDXXXX. 


Please note Discover Card via XXXX XXXX XXXX committed the following documented violations : Violation Statute Date ( s ) of Violation Illegally Informed a Third Party of My Alleged Debt [ 15 USC 1692c ] 805 ( b ) 3.01.2016 5.11.2016 6.01.2016 2.14.2019 Failed to Send a Written Debt Validation Notice [ 15 USC 1692g ] 809 ( a ) 1.08.2016 7.06.2016 1.08.2016 Continued to Collect on the Debt before Providing Verification [ 15 USC 1692g ] 809 ( b ) 1.08.2016 7.06.2016 1.08.2016

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir/Madam ; I recently received a credit alert that my name and SSN were being used at 3 different addresses where I never resided at. I also never used these addresses for mailing purposes, I am concerned because in the past the 3 individuals who do reside there know me personally and have attempted using my name and SSN to possibly receive mail or order credit cards or products. 

I contacted Experian and have placed a credit alert as well as a credit lock for 1 year. 

Kindly, assist me with this complaint to prevent any form of credit theft using my name and SSN! 

I would like to request the addresses provided below be removed from my credit report and history. 

Thank you in advance! 


1 ) XXXX XXXX XXXX XXXX, NY XXXX 2 ) XXXX XXXX XXXX. 
XXXX NY XXXX 3 ) XXXX XXXX. 
XXXX XXXX, CA 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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I needed my credit score for a rental application in XX/XX/2018. I went to XXXX but needed to pay XXXX dollar to receive the actual score from TransUnion. I noticed that this signed you up for a recurring monthly charge but that you could cancel immediately. As soon as I got the score I went to TransUnions website and canceled the credit monitoring service - or so I thought. When I saw a XXXX charge on my card the following month I mistakingly thought it was a bank fee because my bank uses TransUnion and I knew I canceled the credit monitoring service. Recently the charge went up to XXXX and I was looking for information on what the fee was for. This is when I realized I had been being charged monthly for a credit monitoring service that I had attempted to cancel over a year ago. I never received a single email from TransUnion saying I signed up for the service nor did I get a monthly report sent to me, they simply charged a monthly fee as silently as possible. I was able to cancel the service over the phone but they offered no recompense for the {$330.00} they had charged me over the previous months while providing no services or communication even after I had attempted to cancel.

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 2019-08-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly collections on the DP OF EDUC partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 10, 11 and 12 of the attached credit report. ) I contacted the Department of Education and spoke to a representative who directed me to make payments of {$5.00} a month toward these loans for a consecutive period of ( 6 ) months and by making these on-time, monthly payments, these accounts would not be turned over to collections, nor would there be any reporting of lates on these accounts reflected my credit report. I have attached a copy of the email communication regarding these payment arrangements with XXXX XXXX XXXX XXXX, showing the required monthly payments. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
I signed up for this card in XX/XX/2018 and have had problems with it since. They have charged me excess fees due to an error in their system with my autopay. When I opened the card, I signed up to have my minimum payment taken out of my checking account. I apparently entered my account number incorrectly on that first attempt and have called the bank multiple times to get it updated so that it can be paid timely and fully. The bank closed my account because it went 2 months delinquent without notifying me. I have called the bank no less than ten times asking them to update my autopay account because I can't do it now that my account is closed. They keep " paying '' the bill with the wrong checking account information and then charging me a returned check fee. I don't know what to do any more because I have made an honest attempt to pay off the balance, but they keep using known bad autopay information which continues to rack up fees. Additionally, I moved in the middle of the process and they refuse to update my mailing address so the notifications are going to my old address and are not making it to me to make a timely resolution. All of the statements that I have received have a note saying that no payment is necessary because I am set up on autopay, but then they use the wrong account. I can't keep dealing with the bank directly because I am getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I have submitted information on Navients website to defer for a few months. For the past 3 weeks Navient representatives have been calling my work in our office every day before XXXX. Describing the nature of their call which gets routed through to the receptionist, so they are not keeping my information at all private. I requested in XX/XX/XXXX that I not get calls in office, renegotiated my loan termsz then Im XX/XX/XXXX they began to call again. I spoke with someone telling them again not to do this. He said I waived my right to not receive multiple calls at work when I signed my loan agreement. He would not pass me to a supervisor. And I requested a call back from a supervisor after which the customer service agent hung up. The next day, which would be today XX/XX/19, I received another voicemail from Navient. I had explicitly said not to call as well as gave my phone number, which I asked the customer service rep to confirm he has. He refused to do this before he just hung up. I would constitute this as deliberate harassment and sharing of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: Financial Credit Network Inc
State: CA

Complaint narrative:
I have address on my credit report that I have never lived at. I also have negative accounts on my credit that do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax reporting 2 mortgage inquires made a day apart as separate hard inquires. When I called they repeatedly said they do NOT follow CFPB policy/regs/law and instead count every inquiry by a different company as a separate inquiry for the purposes of calculating scores regardless of when and why made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Army and Air Force Exchange Service
State: MN

Complaint narrative:
I've sent numerous disputes that the debts in question are incorrect, however, the agency has not acknowledged or responded to any of my disputes. Cease and Desist letters were recently sent, of which were ignored as they continue to send multiple letters weekly.

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 2019-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my credit reports. The collection agency is XXXX ( XXXX XXXX XXXX ). The original creditor was XXXX XXXX XXXX XXXX XXXX.Request for verfication was sent to XXXX, XXXX, and XXXX. Request for verification for this was sent to the bureaus by me, on XX/XX/XXXX. On XX/XX/XXXX XXXX updated the collection as a Closed account. On XX/XX/XXXX XXXX  sent notice that the company verified the account. XXXX voilated section 609 and 611 due to not conducting proper investigation and not correcting inaccurate information. The date of status on my report is XX/XX/XXXX which states on the XXXX  website this is the date the creditor last update the account. When the creditor validates the account this date should be updated. The account is inaccurate due to the open date, date of service, patient name with me as guarantor. I received a letter from XXXX on XX/XX/XXXX, that shows a {$0.00} amount due, with a Patient name : XXXX XXXX XXXX. This person is not me and I have never authorized to be a Guarantor for this person. Also the date of service shows XX/XX/XXXX I was not prosiding in the state that is listed as the place of service : XXXX, FL. Lastly the debt is being addressed to XXXX XXXX XXXX, my name is XXXX XXXX XXXX. My credit history is being affected by keeping an account on my report that I am not responsible for and doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
In XX/XX/XXXX, I started to loss my jobs due to a lack of retail sales. Therefore, I have gotten behind on my mortgage payments. I have constantly spoken with Flagstar Bank to keep them updated on my situation. Currently, My home is in foreclosure and I have been attempting to do a loan modification with them since XX/XX/XXXX. I have had NACA working with me to prevent this forclosure and handling of documentation that needed to be sent to them. My package for a loan modification was sent to Flagstar via  email on XX/XX/XXXX and they have as of yet to review my file as of yesterday XX/XX/XXXX I was told they hadn't looked at my package. Today I was told my loan modification was denied on the XX/XX/XXXX when they haven't even looked at my package. I am currently working for XXXX and XXXX XXXX companies to try and make ends meet. I feel my husband and I, are being discriminated against due to the fact that my husband is completely XXXX with XXXX XXXX. This disease takes your eyesight and hearing at a very young age. I feel I am being bullied because I am a woman and am unaware of the proceedings that happen during loan modification. Every time I call Flagstar I get different information from different agents and my NACA representative has also had the same issues. I do not understand how they can deny me a loan modification without even looking at my package. I have received a letter from an attorney giving me a forclosure date and intent to sell. I do not wish to lose my home I would like to work out something with the bank but they aren't giving me any options at this time because they are saying I am too late when I have given them 39 days to look at my loan modification package. The only notification I have received from Flagstar bank is payment stubs and then a letter from an attorney stating a sale date and intent to forclosure.

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 2019-08-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly collections on the DP OF EDUC partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 10, 11 and 12 of the attached credit report. ) I contacted the Department of Education and spoke to a representative who directed me to make payments of {$5.00} a month toward these loans for a consecutive period of ( 6 ) months and by making these on-time, monthly payments, these accounts would not be turned over to collections, nor would there be any reporting of lates on these accounts reflected my credit report. I have attached a copy of the email communication regarding these payment arrangements with XXXX XXXX XXXX XXXX, showing the required monthly payments. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.

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 2019-08-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly collections on the DP OF EDUC partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 10, 11 and 12 of the attached credit report. ) I contacted the Department of Education and spoke to a representative who directed me to make payments of {$5.00} a month toward these loans for a consecutive period of ( 6 ) months and by making these on-time, monthly payments, these accounts would not be turned over to collections, nor would there be any reporting of lates on these accounts reflected my credit report. I have attached a copy of the email communication regarding these payment arrangements with XXXX XXXX XXXX XXXX, showing the required monthly payments. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.

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 2019-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
On XX/XX/2019, I observed an unknow debt collection account for {$370.00} from Peter Roberts & Associates. After investigating this matter further with the original creditor XXXX XXXX XXXX XXXX and Peter Roberts & Associates, I became aware that I was a victim of Identity Theft. I immediately contacted XXXX to conduct an investigation and provided all relevant documentation i.e. police report etc. to XXXX, XXXX XXXX XXXX XXXX and Peter Roberts & Associates. Unfortunately, after providing all of this information and documentation, both XXXX and Peter Roberts & Associates refused to remove this fraudulent account from my credit report. I am now forced to pursue legal action against this company as they refuse to remedy this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to XXXX XXXX XXXX ( XXXX ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX XXXX and XXXX, even though we paid as agreed to new loan servicer XXXX. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and XXXX and have had no success in correcting this information. XXXX has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting it.

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 2019-08-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to XXXX XXXX XXXX ( XXXX ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX XXXX and XXXX, even though we paid as agreed to new loan servicer XXXX. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and XXXX  and have had no success in correcting this information. XXXX has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to XXXX XXXX XXXX ( XXXX ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX  XXXX and XXXX, even though we paid as agreed to new loan servicer XXXX. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and XXXX and have had no success in correcting this information. XXXX has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting it.

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