vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 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: SC

Complaint narrative:
PLEASE PROVIDE ME WILL FULL ACCURATE REASONS AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX WHICH LOOKS LIKE A CHARGE OFF FROM 2007, IS STILL REPORTING ON ALL THREE OF MY CREDIT REPORTS? THIS IS NOT FAIR THAT NO ONE HAS A GIVEN ME A REASON AS TO WHY THIS ACCOUNT REMAINS ON HERE. I REALIZED AFTER SEVERAL ATTEMPTS AT DISPUTING THIS ACCOUNT NOTHING HAS BEEN DONE ABOUT THIS MATTER. NOTHING HAS CHANGED AND I NEED TO GET THIS NEGATIVE ACCOUNT REMOVED FROM MY CREDIT REPORT, I HAVE GOALS I NEED AND WANT TO ACHIEVE AND THIS IS REALLY HOLDING ME BACK.

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 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I've been having problem with Bank of America for a little while now with the same issue, hold being put on deposited check with no consistent explanation, and none that makes sense. 

I deposited a check for {$42000.00} on Tuesday, XX/XX/XXXX at the cashier at the bank. I was told that the funds would be available next day. For reasons still to be explained the money was put on hold. Nobody can inform me why and for how long. I've checked with the vendor and the money has already cleared their account. I have eleven subcontractors waiting to be paid, items are being returned and fees being accessed at my other account because our money is nowhere to be found. I have experienced the same problem over and over for the last five months. Every time they have a different explanation, account have on the red for the last month, low daily balance, number of overdraft fees accessed for the last 12 months, and list of excuses goes on and on.

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 2019-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These are Fraud accounts and they dont belong to me

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 2019-10-17 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover has known that I was a victim of identity theft, for many months. Discover instead of reporting the fraudulent application on the card they are claiming to continue to report to the credit bureaus which is fraudulent. Continues to close and create a new card number for this fraudulent account. They have done this 5 Different times now. This account is fraudulent, I do not care who they talked to. They attempted to try to dispute this account as Transnational fraud. When In fact the WHOLE ACCOUNT IS FRAUD. They called each merchant, and then lied to me. They told me they also spoke to Law Enforcement, but yet couldn't provide me with any contact details and they continually accuse me of opening the account, when I have never worked at XXXX XXXX, and I have never opened this account. I did not use this account, This was opened from an Identity Thief. Discover doesn't close the account due to identity theft instead they continually generate a new card number, and send it back to the credit bureaus. This account is fraudulent. I want this account removed from my credit reports as I did not authorize this account. You sent the card to a fraudulent address I have never lived at WHICH YOU CONFIRMED, on the phone to me that you sent the card out to a XXXX XXXX Address. That Address was blocked on my credit reports as fraudulent. I never received any card for this account. Therefore the account is fraudulent. This is not transaction fraud this is APPLICATION FRAUD. CARD FRAUD. IDENTITY THEFT. I will be getting my attorney involved if discover does not follow the proper laws to delete this fraudulent account, that I am not liable for because the bank account that was linked to it was also closed due to identity theft, and I have provided them with all this documentation including my affidavit which is attached below, and discover continues to fraudulently report this fraudulent account. They are not abiding by the FCRA Laws for Victims of Identity theft. 

Account # XXXX XXXX {$4600.00} Date Opened reported XX/XX/XXXX. Reported Closed XX/XX/XXXX with a new account number again. 5th Time they generate a new account number instead of closing the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Closed an account from XXXX XXXX with cashiers check as I was moving to another location which did not have XXXX XXXX. I then opened an account at local Bank of America branch and the cashiers check I had didn't deposit until about 90 days, Bank of America requested documentation and the proof that it was a valid check. I called the previous bank ( XXXX XXXX ) and the branch manager sent over motorized check/copy and letter confirming it was a valid check not suspected fraud as Bank of America implied. Bank of America closed the account and placed suspected fraud on the XXXX which severely refrains me from opening an account at any other bank. This information is false and need to be removed from my history as I am not a fraud.

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 2019-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
This account is fraudulent and Doesnt belong to me

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 2019-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Action Financial Services, LLC
State: LA

Complaint narrative:
I have been actively trying to talk with Action Financial Services to establish a voluntary repayment schedule since I was notified of this loan being placed with them. I have the following issues : - I am unable to set up a voluntary repayment because they told me it was at the wage garnishment stage and I had to request a hearing. 
- The service rep at AFS confirmed that they did not have my correct address on file ( I found out that they had the debt because my neighbor brought over an opened piece of mail from them in Aug - the notice was dated in XX/XX/XXXX ), so now my neighbor knows my personal information. I called AFS to set something up as soon as I was notified.

- This notice did NOT mention garnishment, I found out about that when I called AFS - I have faxed the required hearing request to the number they gave me on multiple occassions and have not received any response - I received a letter, yesterday, dated XX/XX/XXXX that says it is a final notice of garnishment of up to 15 % of my wages ... I absolutely can not afford that and wish to enter into voluntary repayment. This letter states " You may still exercise the right to contest this action as cited in our original Notice. However ; because you failed to comply ... your exercise of this right will not result in the delay of a wage garnishment '' - I never received the original notice - it was confirmed that they did not have my correct address - I gave them my email and my phone in addition to my correct address and NOBODY HAS CONTACTED ME! 

I am simply trying to enter into a voluntary repayment and avoid the garnishment but, all they give me to communicate with the hearing department is a fax number. I have transmission reports that show the information was sent but, I still receive no response. It is not fair that I've not received any communication until this FINAL NOTICE. I deserve a chance to voluntarily repay this debt without a garnishment.

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 2019-10-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My home equity loan was purchased by Specialized Loan Servicing in XX/XX/XXXX from XXXX XXXX XXXX. They, SLS, have sent me notices claiming that my account is delinquent. SLS has been debiting my payments from my bank account and they have all been on time with no returns. When I call SLS, they refuse to talk to me claiming that they can only talk to my spouse. My husband died in XX/XX/XXXX. This loan is in both our names listing me as co-borrower. Also, the will clearly states that I am bequeathed all of his portion of property, real and personal. As I said, when I call they refuse to talk to me and are extremely rude and evasive. One operator told me I needed to get a lawyer. Another told me that I needed to go to the courthouse. Bottom line is that they refused to talk to me even though the loan is in My Name and would not allow me to talk to anyone for resolution. 

So on XX/XX/XXXX I went to my bank with a friend as witness and they printed up my bank statement clearly showing that SLS had received all my payments. My bank contacted SLS and received the same stonewalling ... 
Then we went to XXXX XXXX XXXX and a bank officer spent 2 1/2 hours trying to contact SLS and to untangle this mess ... He was able to pull up and send to them all the paperwork regarding this loan which had originated with XXXX ... 
Original loan documents from XX/XX/XXXX, death certificate, my spouses will, my bank statement showing payments made to SLS, etc. 

SLS still continues to refuse me access and is now threatening me with foreclosure ... I am a senior citizen who is XXXX XXXX ... Their operators are rude and abusive ... I have often been left in tears ... .Since XX/XX/XXXX several others have heard this abuse as these call have been on speaker phone ...

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 2019-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USI Solutions Inc.
State: TX

Complaint narrative:
I do not have any debt. I have never been late on a car payment, my house mortgage etc. Those are the only two loans I've ever taken and those payments are auto draft out of my bank account. This company continues to call me numerous times during the day on multiple occasions. It is a recording system saying to please hold and have your information ready. These calls are disruptive and not to mention have taken up so much space in my voice mail inbox by the robotic automated message. I have no reason for this company to continue or to have ever called me. Please have USI Solutions stop harassing and calling my personal cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
This complaint is for XXXX XXXX College as well as Conserve Collection agency. I called XXXX XXXX College in XX/XX/XXXX to inquire about a balance on my account when I was trying to register for classes. To my surprise, she stated that I had a {$390.00} balance for a registered class for Fall of XX/XX/XXXX. I let her know that I delivered my premature son in XX/XX/XXXX and I did not take nor drop or withdraw from a class- it was not possible. She stated that I would have to come in ( I live an hour away ) and file an appeal for it. 

TWO weeks later, I get an alert on my credit report that there is a new account listed, Conserve. I called to find out what company was the original creditor, and they stated that XXXX ( XXXX XXXX College ) was the original creditor but they didn't know for what. XXXX NEVER notified me that there was any sort of balance on my account- let alone one that would possibly be forwarded to collections, I HAD TO CALL THEM TO REGISTER then all of a sudden 2 weeks later its already in collections? How? 

I drove the hour to XXXX in XX/XX/XXXX to file the appeal. When asking about this balance, I asked how it would be possible to have a balance for a class that I never took. If I was registered for a class, after 24 hours of non-payment, the class is automatically dropped. Also, after being a no-show for a class, ( online or in person you are dropped ). They are attempting to charge me a balance for a class that I was not even able to log into ( my doctor verified this with the letter he faxed to XXXX ) and that I should have been automatically dropped from this. 

After sending in all supporting documents and a statement explaining why I was appealing this balance, I got a call from someone at XXXX saying that they changed a rule that you only have 90 days to appeal something like this and now it is too late. She gave me the email address of the woman who made this decision- XXXX and that was it. How is someone supposed to appeal something within 90 days if they are not given ANY notice of this at all? I would have never known this was even amount that I was being charged, had I not contacted them about registering for a class. Conserve and XXXX are now single-handedly ruining my credit by reporting an account that is not even a valid debt EVERY WEEK. This is literally a scam and {$400.00} may not be a lot to many to where they would just pay it but this is WRONG. This is not a valid debt- these are not real charges! 

XXXX and Conserve are trying to make money off of people by bullying them into paying XXXX  charges. I called Conserve again this morning and advised them that I am attempting to handle this with XXXX and this is being disputed and the rep stated that they will continue to report this every week. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
I brought a car from from car hop the check engine light on and the car was recalled unable to get tags recall d fixed without me paying for it a short in the headlights and panel causing a fire advised car hop this was a lot will like to return car threaten to ruin my credit even if I volunteerly return the car this car can't even get CA dmv tags

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
Applied to change from IBR/IDR to fixed payment in XX/XX/2019. Application was accepted in XXXX, and was not fully processed until XX/XX/2019. The processing is to take 90 days or less. Mine took six months to process and my credit report shows missed payments for XXXX, XXXX, and XX/XX/2019. When I did in fact pay all payments that were due and an additional payment that was not required. The reported missing payments took my credit score from a XXXX to XXXX. 

I have contacted fed loan on three separate occasions to get assistance with errors in credit reporting. The most recent time I was told to fill out a credit dispute form because my application should have been processed by the end of XXXX. Instead it took three more months.

This resulted in fed loan reporting that I made no payment and was not deferred because the application was processing. Credit reporting agencies took that as 3 missed payments on 6 loans. Its being reported that I 18 missed loan payments when I did not miss any payments. Fed Loan was processing my application. 

I have no control over how long fed loan and their employees take to process applications. I got caught up in their inefficient and slow processing. I am being penalized for the delayed processing of fed loan. Are they not accountable for reasonable processing times, and correctly reporting to credit agencies while processing? 

I would like for fed loan to accurately report the standing of my loans for 2019. I used to pay {$0.00} per month, now I pay {$420.00} per month. All I wanted to do was get on track to pay off my loans. Fed loan took six months to update my payment costing my credit score 63 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 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: MD

Complaint narrative:
Last year I moved from XXXX XXXX to XXXX I registered my car motor vehicle department ask me the title for the car ask my XXXX XXXX XXXX to send a title to the XXXX  Vehicle Department so that they can register my car and that time in XX/XX/XXXX they said they have sent the document to the motor vehicle department of XXXX   my car was registered on these terms I will be providing them the title. 
As in XX/XX/XXXX my registration got suspended. it was not renewed because of the title which I ask XXXX to send them one year before I called XXXX and ask about the title and they said they going to send it right now so after 1 and 1/2 month and after everyday I call them everyday a new customer care person comes in and he starts a new filing for the sending titles and after all that after 1 and 1/2 months they said that I should go to XXXX XXXX DMV to get the title after wasting my time for more about like one and a half month they told me to go to DMV XXXX XXXX when my car was not registered I am doing XXXX and XXXX for that reason that I wasn't going to the job I got job less I asked to send me the extension documents so I can half payment extension for these two months send me the extension documents of the payment and I send them back and they accepted the extension payment besides giving they also also inform the XXXX experian about my late statement anyhow I call Experian and filed a dispute for the information correction. Today I got the result from experience and they put my 3 months as a late payment so I have been in this regard this the same situation happened last year and I file a dispute and they were not able to unless I I filed a complaint in cfpb too bad they were able to resolve my case and but still they put one month on my head so same thing they are doing now has me in this regard as its resulting financial crisis and I am unable to do the job and pay my rent and other bills because of the lowest score I am not getting loan from XXXX XXXX and it's resulting in the hard inquiries on my credit report experian is not willing to resolve my case because they always listen what XXXX is saying and even though i provided the documentary proof for extension still they are believing what XXXX is saying when I call them back and ask them like why you are not resolving and they said like XXXX are more trust worthy company than me they keep playing with my life still

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 2019-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1961 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX RCVL PER MNG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been  notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any  consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RCVL PER MNG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXXXXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1961 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation