vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 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: TX

Complaint narrative:
The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX submitted the ftc violations 30 days ago

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 2020-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Amount {$1100.00} which is {$890.00} and {$270.00} interest I have written this agency twice ( XX/XX/2020 and around XX/XX/2020 ) requesting documentation that proves this debt to be mine. I requested a copy of any contract with my signature ; I requested verification of their authority to collect on the debt ; the original contract because they are charging interest. I do not recall this debt. I requested validation pursuant to all laws that govern collection matters. I have only received a XXXX XXXX spreadsheet, Nothing from the original creditor, nothing with my signature, nothing with any proof that I contracted or agreed to do any business with the original creditor. 

I have attached the documentation provided by the collection agency. Please know that I requested documentation prior and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Over the years, I have availed myself of the XXXX website to obtain my free, annual credit reports. Obtaining those reports immediately online from XXXX  and XXXX  is never a problem ; however, Equifax is a different matter. 

I have never been able to obtain my Equifax report online because of significant road blocks put up by Equifax. Those road blocks are : o Their report is never available online. 
o They tell you that in order to retrieve my report, I must do so via land mail. 
o In requesting the report by mail, they ask for wholly inappropriate documentation be sent via land mail, creating information security and privacy concerns. 
o Those documents include sending one of three identity documents that include your social security card ; and one of five address verification documents that include your drivers license. 
Equifax is clearly not acting within the spirit of the free annual report concept by throwing up these road blocks. This sounds like the PERFECT project for the CFPB! Please help us consumers out. Equifax is still under the impression that our information is theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: AL

Complaint narrative:
I sent a request to XXXX/XXXX/Experian to submit a method of verification in reference to a chapter XXXX bankruptcy they have erroneously reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have had a very difficult time with SPS. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. SPS always seemed to lose my paperwork, which I constantly had to re-fax. When I finally was approved I unfortunately was unable to make trial payments because I got furloughed. When I reapplied SPS said I was not longer eligible for a loan modification. When I called them and asked to fo a short sale they told me I was not allowed to apply for a short sale. Then SPS placed a foreclosure sale date on my property. I simply want to avoid a foreclosure and move on. A foreclosure will destroy my credit for 7 years, and will cause me another major hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I purchased two large item with my AMEX card because of the extra benefits that came with the purchase. In XX/XX/XXXX I purchased a riding mower for {$2500.00} with the card and it was cover by Amex purchase protection and extended warranty. from the beginning I had problems with the purchase and could not get it returned to the manufacture nor get it repaired because it was out of state. There was no repair shop within 200 miles to repair the unit, so I filed a dispute with AMex of these issues and hopes they would permanently credit my account.

Second, when I received a temporary credit I went ahead and ordered a different model riding mower costing me {$2600.00}, low and behold within two week the mower would not crank and they had to send someone out to try and get it to work, at that time I told them I just purchased it brand new and did not want to deal with a mower being in a shop for a month, that I prefered a swap out or my money back, the manufacture said they could not do that because it was a large item. So I called amex and told them of the story and I was advised to file yet another dispute under amex satisfaction policy to get my money back and we did for this mower also. to recap both mowers fall under amex policy for buyer dispute and warranted a claim and i followed proper procedure. Well, after filing both disputes with the help of amex there was a total of {$5100.00} in disputes that amex said i qualified for to be credit back to my account based on their policy and the benefits of my card. Several months pass by and I then start to receive bills with these large min. payments due, when I call amex I am told that the disputes were credited back and I had to resubmit them even though amex rep. submitted them with me, so I resubmitted the disputes. After doing so, amex then started saying my auto payment checking account was not working and was being declined by XXXX XXXX, I went to XXXX XXXX and got a letter to prove that no checks were ever NSF from XXXX  and amex still blame my account for the returned checks. A month later, I received a letter from amex saying my account was closed due to returned payments from my checking account at XXXX XXXX, even though they had proof of my statments and letter from the bank. I was with amex since XX/XX/XXXX. after the account was closed amex then sent another letter demanding full payment of both disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I have attempted several times to contact HESAA LOANS for a refinancing option. My father is the co-signer on my loan and he has not made any of the payments on the account, I solely have and it has been up to date without any issues up until now. I am trying to refinance and not have a co-signer and completely take him off as he has nothing to do with it but no one will give me information on how to release a co-signer and even with my average credit score and decent job ( keeping up to date with XXXX dollar payments regularly on my own ) they will not release him or allow me to refinance. This is completely ridiculous as I am a new college student in all kinds of debt and have medical bills but if Im keeping up to date for so long with the loan why cant I have the option to release him?! This is causing undue stress as it is my loan and I need help from someone at HESAA to give me options even with my lower credit score because my payment history on such a high monthly payment has never faltered!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
SOMEONE MAY HAVE USED MY PERSONAL INFORMATION TO RENT AN HOUSE IN XXXX FLORIDA. THERE ARE SOME MISTAKES THAT CAN HELP THE CREDIT COLLECTOR TO SEE THOUGH THIS SCAM FOR WHAT IT IS BUT THEY REFUSE TO REMOVE THE ITEM FROM MY CREDIT. 
1. NEVER LIVE IN THIS ADDRESS AND NEVER SIGN ANY LEASE IN PERSON OR ONLINE. 
2. MISSPELLING MY FIRST 3. NOT MY SIGNATURE ON THE LEASE AND I DON'T KNOW ABOUT IT. I'LL SUMMIT MY MORE PROOF ON YOUR REQUEST. 
Creditor : XXXX XXXX XXXX XXXX Credit collector : Fair collections & outsourcing Account # : 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 2020-03-06 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: GA

Complaint narrative:
XXXX, Transunion and XXXX are reporting a Collection Account on my credit report from XXXX. This company NOR did the original creditor sent me anything in writing regarding this debt. Despite my multiple attempts to contact them and asking for the details on what or how I owed them anything.

I disputed the account with all the three of the major credit bureaus and XXXX " verified '' the debt. I filed a complaint with the CFPB ( XXXX-XXXX  ) and the company basically told on themselves when they included two attachments in their response. I was never sent anything in writing to verify the debt, despite asking for it in writing and calling the original creditor repeatedly to obtain it. Instead it was reported on my bureau and to date, XX/XX/2020, I still have NOT received anything in writing. 

1. ) The first attachment was the supposed letter they sent to me. It was sent to their own address, not to my forwarding address.

2. ) Second, they sent the rental lease, the lease creation date is recent and not covering the time period, which shows they just generated the lease. 

The letter wasn't mailed to my forwarding address nor to the old rental address with the apartment number included which would have allowed the mail to be forwarded to me successfully. Instead they simply mailed the notice to themselves and then sent the account to collections after returning my payment. A payment I made blindly to prevent damaging my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: GA

Complaint narrative:
XXXX, XXXX  and Experian are reporting a Collection Account on my credit report from XXXX. This company NOR did the original creditor sent me anything in writing regarding this debt. Despite my multiple attempts to contact them and asking for the details on what or how I owed them anything.

I disputed the account with all the three of the major credit bureaus and XXXX " verified '' the debt. I filed a complaint with the CFPB ( XXXX-XXXX  ) and the company basically told on themselves when they included two attachments in their response. I was never sent anything in writing to verify the debt, despite asking for it in writing and calling the original creditor repeatedly to obtain it. Instead it was reported on my bureau and to date, XX/XX/2020, I still have NOT received anything in writing.

1. ) The first attachment was the supposed letter they sent to me. It was sent to their own address, not to my forwarding address.

2. ) Second, they sent the rental lease, the lease creation date is recent and not covering the time period, which shows they just generated the lease. 

The letter wasn't mailed to my forwarding address nor to the old rental address with the apartment number included which would have allowed the mail to be forwarded to me successfully. Instead they simply mailed the notice to themselves and then sent the account to collections after returning my payment. A payment I made blindly to prevent damaging my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: CA

Complaint narrative:
Applied for a credit card with discover. Was asked to send a copy of bank statement and copy of social security. I complied and sent them a copy. I call back and was told I was approved for a XXXX line of credit. I was told the card will be in the mail 7 to 10 days. I recieved a call prior to getting the physical card in the mail. The woman stated my card has a hold in it. I need to check my email and sign a form sent to me by doc you sign. Once signed the hold will be lifted. When I read the document it was an irs form checking my tax returns for XX/XX/XXXX and XX/XX/XXXX. I called discover card back I advised them i have not filed taxes i marked on my application retired and i marked other for income. I was told i must sign and return the form and it's ok it i haven't filed taxes it's just for identity purposes. I signed the doc you sign form online and waited. Today me and my granddaughter called Discover card and was told my account has been closed. When asked why they refuse to state. I feel discriminated against based on my age. My credit score is very high my income is high and there is no such reason to now deny me its because I'm XXXX years old and this is the real reason they closed my account. I never even activated the card they blocked me for no legal reason I'm so upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: NV

Complaint narrative:
sent ftc violations experian and XXXX i XXXX  XXXX XXXX XXXX Non taking longer than 30 days which are violations XXXX XXXX XXXX XXXX XXXX {$8000.00} 100 % usage 3 late payments XXXX XXXX XXXX   XXXX XXXX {$2200.00} 100 % usage 3 late payments XXXX XXXX  XXXX XXXX never late they obtained a sentence of more than 16 years in XXXX  for XXXX, and a penalty of {$520.00} XXXX against XXXX XXXX for violations of the Bank Secrecy Act, including failing to timely report suspicious banking activities of XXXX. 
inquires all ftc violations XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Unions

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 2020-03-06 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: NV

Complaint narrative:
sent ftc violations XXXX and transun i XXXX  XXXX XXXX  XXXX Non taking longer than 30 days which are violations XXXX XXXX XXXX  XXXX XXXX {$8000.00} 100 % usage 3 late payments XXXX XXXX XXXX   XXXX XXXX {$2200.00} 100 % usage 3 late payments XXXX XXXX  XXXX XXXX  never late they obtained a sentence of more than 16 years in XXXX  for XXXX, and a penalty of {$520.00} XXXX against XXXX XXXX for violations of the Bank Secrecy Act, including failing to timely report suspicious banking activities of XXXX. 
inquires all ftc violations XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Unions

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 2020-03-06 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: AL

Complaint narrative:
I sent a request to XXXX/Transunion/XXXX  to submit a method of verification in reference to a chapter XXXX bankruptcy they have erroneously reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: AL

Complaint narrative:
I sent a request to Equifax/XXXX/XXXX  to submit a method of verification in reference to a chapter XXXX bankruptcy they have erroneously reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
Loan should be discharged and prior payments returned to me, due to legal action brought against XXXX for misleading recruiting tactics and job placement information. 

Fedloan Servicing has reviewed this information and facts previously, and ignored the courts order, and continued to collect my loan without any discharge consideration or some type of relief of this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have been dealing with NAVIENT for days. I am filling out my XXXX  application to take the XXXX, become an XXXX, and pay NAVIENT. The application requires that I provide full loan numbers. I have requested this information four separate times in the past 2 days. They keep telling me I can find it on their website. Once I made one of the customer service reps wait on the phone until I went through the website like they said, they admitted I couldn't view that information online. Then they tell me it is ON MY MONTHLY STATEMENT. Yet .... I logged into their message system and viewed every monthly statement for the last 2 years and guess what? the loan number is NOT on the statement. I called them again and told them this. They then admit, it is NOT On my monthly statement. Bottom Line : They are refusing to provide the loan numbers. I have no idea how this is legal, but please help me fix it. Thanks.

Company response to consumer: Closed with explanation