vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
FCI LENDER SERVICES, INC. CONTINUES TO PRESURE ME BEYOND THE STATUTES OF LIMITATION OVER 7 YEARS TO COLLECT ON A DEBT THAT IS NOT THEIRS AND THEY CLAIM I OWE THEM SOMETHING WHERE WE DO NOT HAVE A CONTRACT. ONE IT IS UNDERSTOOD THAT A BANKRUPTCY [ certificate of discharge notice in my possession incorporated by reference XXXX : XXXX ] WAS CLEARED IN XX/XX/XXXX THE MATTER AT ISSUE WAS AROUND XX/XX/XXXX AND IT IS NOW XX/XX/XXXX ...? 4 YEARS HAS BEEN CAME AND GONE AND THEY ARE STATING THEY ARE MY LENDER OUT OF THE BLUE. WHICH IS MISREPRESENTATION, FALSE CLAIM AND I AM BEING THREATENED AND SLANDERED. THE CONTINUED WRONG DOINGS, BAD BEHAVIOR AND VIOLATIONS OF NOT ONLY STATUTES, THE LAW AND CONTINUED VIOLATIONS OF FDPCA, NEEDS TO BE ADDRESS TO THESE CRIMINALS..

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 2017-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
In XXXX, I had auto and rental coverage with XXXX through my employer which at the time was a state university in XXXX XXXX. After I left this position XXXX sent notices to my residence about the remaining balance for the coverage. I never received a breakdown of the costs of the coverage and the remaining balance. XXXX never offered an installment plan and my file was immediately sent to a company called Credit Collection Services in XXXX, XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: LA

Complaint narrative:
I obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be permentantly deleted from my credit report immediately.

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 2017-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
A credit card has not been open but there was no other category for me to report this issue. Since XX/XX/XXXX to present, there have been repeated attempts through XXXX to open a Chase credit card in my name. The request is not approved as more information is being requested and because I already have an XXXX Chase card. The problem is that I must call several times a month every time I get a letter, go through the whole process, reopen a fraud alert, and neither XXXX or Chase have changed their process. I am told by the fraud folks at Chase, this is a known issue and they are waiting on a fix but in the meantime I must call every time, have the request to remove from my credit report, and extend my fraud alert. Both XXXX and Chase should know this is repeated against my name and Social and advise the person requesting that the request can not be open and to call a special toll free with Chase fraud or XXXX I should be sent notification that another attempted occurred, no action needed, and they have me protected. This should n't be that difficult to flag my SSN and since I do have a fraud alert, why does n't XXXX or Chase change what they have communicated to me or the person requesting the card. In addition, I have moved and the notices from Chase are sent to my old address since that is what the fraudster is using for the new applications. This shows a clear lack of agility by XXXX  and Chase to handle the increasing fraud attempts. While I am happy that no card had yet been issued, if I did not already have a card with XXXX Chase, and if I was not calling every week to close out new requests that one would have been issued. 

Update XX/XX/XXXX I now have over 20 applications and Chase/XXXX has yet to improve their process and I am required to call in every time, file a fraud alert, and they have yet to improve their process to detect these fraudulent applications. I should not be held hostage to their lack of investment in fraud detection and their excuses around inability to prevent an application. They should react both to my fraud alerts and have a special flag for my account based on over 20+ fraudulent attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: LA

Complaint narrative:
I obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have hundreds of dollars of charges on my credit card from Venmo ( a digital wallet company ). I had never heard of Venmo. The charges are not mine. 

I called Venmo at XXXX XXXX XXXX XXXX. They would not help me at all, and said I should contact my credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient loans has been charging extra interest rates without my noticed of loan forgiveness only did loan forgiveness twice without any documents emailed to them they automatically increased my rate as loan forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
I have tried to order a copy of my Promissory Note several times ( XX/XX/XXXX and XX/XX/XXXX ) via fax on behalf of my clients. Prior to the faxed requests, I asked them to verbally in XX/XX/XXXX to provide  a copy. I am working with XXXX XXXX XXXX in XXXX, NC to get assistance with the Hardest Hit Program Fund. They have not responded to the requests and it has been over 30 days since my initial request. 

I would like for them to cancel the Forced Place Coverage Homeowners Insurance and replace it with my policy that they with XXXX 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 explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I purchased a vehicle through J.D. Byrider/CNAC almost 9 years ago. I started having problems with the vehicle and with trying to get it fixed and stay current on the payments it became overwhelming so i included the car in my bankruptcy. I contacted CNAC to have the account removed from my credit reports but they have refused to do so. the vehicle i purchased caused enough problems, and even with all the repairs and money i had to put into the car i still made sure i paid my car note on time. I want the account deleted off of my credit reports as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dispute and request for debt validation was requested to Experian on XX/XX/XXXX for the following : XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX On XX/XX/XXXX- I called Experian to get the results and spoke to XXXX XXXX XXXX XXXX. XXXX informed me that Experian does not request validation of an account. He also stated that the accounts mentioned above would remain on my credit report. This practice is illegal, as the bureau is obligated to confirm/validate accounts upon my formal request. Also, they did NOT do a formal investigation. 

I filed a complaint with BBB ( attached ) as validation was never received, for neither account, nor are either of the creditors licensed to collect in the state of Illinois ( attached ). 
XXXX XXXX agreed to remove the collection ( attached ).

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 2017-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Ditech has allowed the title on XXXX XXXX XXXX # XXXX XXXX NY XXXX to persist as clouded, with an outstanding incorrect lien of $ XXXX which needs to be removed so we can sell our home which sale was supposed to close two months ago. Ditech has a fiduciary duty to service the mortgage and clean the title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: NY

Complaint narrative:
XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - XXXX XXXX - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$3500.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-09-05 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to apply for a mortgage. But the mortgage officer told me that they were n't able to pull my credit report from Equifax. I, then, proceed to contact Equifax, they were not able to find my credit report with my name, social security number, date of birth. Later I found out that my credit report got mixed up with my brother 's credit report. They ask for my ID and SS card to verify my identity. I promptly send them my ID an d my SS card. Yet, I called again after a week, they still have not able to confirm my identity, despite that they claim they will get back to me within 48 hours. This was an urgent request to them because my mortgage officer needs to pull my credit report by XX/XX/XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omega RMS, LLC
State: MO

Complaint narrative:
Omega was sent an account for collections from XXXX XXXX for {$200.00} which was fraud. I wrote a letter to XXXX XXXX on XX/XX/17 stating they no longer have athz to withdrawal from my account. That same day they tried to withdrawal {$200.00} ( 2 weeks worth of services for the future ). Omega sent me statements which i explained to them if they look that there was a weekly payment XX/XX/17 that cleared around {$100.00} for that week of services. I took the copy of the letter to the bank when they charged my account. My bank saw it as fraud and returned the payment as NSF, which now Omega has been hired to collect. Omega has also sent me 5 other peoples personal debt information, balance, account numbers with omega, which i have proof of. They have also reported to my credit report instead of disputing this. on XX/XX/17 I requested a no cease and desist and they would not honor a verbal c & d. I do have the recording from the conversation with the rep at Omega. Will be also filling AG and CFBP complaint on XXXX XXXX. I was contacted by XXXX and also the state that was doing an investigation against XXXX XXXX so they did not uphold their end of the contract of care they would provide for my daughter, but want the 2 week notice amount and tried to with drawl the amount when they were told they do n't have athz from my account. All Omega did is get a validation of debt, however I have disputed the way the charge came to place and I did not recieve the services. Then for the rep to say she will not honor a verbal cease and Desist. I do still have mail that Omega RMS sent to me with 5 other peoples letters, that have their account numbers, balances owed and also personal information. I know this is against regulations also. The company is well aware of this as I have informed a supervisor that I have them. I still have a copy of the letter that was given to creative kids and was shown to the bank and reason why they reversed the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: WA

Complaint narrative:
I am writing to request the income based repayment option that Sallie Mae assured would be possible when I originally took out these loans. I graduated in XX/XX/XXXX and have obtained a job making XXXX a year, which does not afford me the ability to make the full payment without an income based payment plan. Since graduation, I have attempted to work with Sallie Mae without success. Since I can not afford to pay my whole paycheck, I utilized the rest of my forbearance in hopes of a better option. I also contacted Sallie Mae to discuss whether there were any options left to me, since when I took out the loans, I understood that there would be repayment options like income-based repayments, that would allow me to pay on principal and interest at a lesser amount. 

I have now been told that this is not the case. In XX/XX/XXXX, a Sallie Mae representative spelled it out like this on the phone, I was only given the following repayment options : 1. Take the last of my forbearance option to stall payment during that month of hardship 2. Go to a third part institution and try to refinance my loan 3. Default and hope that once the loan is in debt collection, there might be other payment plans offered to me And that was it. Sallie Mae 's tactic, find a way to pay the balance, refinance through a different company or go to collections to see what repayment options are left to me. None of these ideas are remotely close to the repay back options I was told would exist when signing up. 

Instead, I am left with horrible options that risk my credit and livelihood. Due to questionable business practices on your end, I am carrying the burden of more student debt then I should ever had been issued. I would pay the amount back, if I ever could touch principal balance and start paying my debt. Instead youve made it impossible to succeed in payments, inflated the amount of debt I owe with added fees and regulations and have pretty much guaranteed my failure at repayment. 

These are questionable practices in trying times and I thought that you should know about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
please find attached the creditors letter for which they have approved to remove the negative mark from my credit report on the capital one account number ending in XXXX from XX/XX/XXXX of 2016. i have already submitted the letter to the bureaus as received. but they have not yet removed per creditors approval please make sure this update occurs thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I contacted the credit card company on 3 separate occasions regarding a charge on my card for XXXX XXXX which should have been a credit. The company refused to remove the charges or did an investigation. The reps were rude. The last person spoke to was a male claiming to be XXXX. I requested a supervisor. He kept me on hold for 15 mins. After returning to the call informed that no supervisor was available. He could set up a call for a retutn call in the next 42-76 hrs. Totally unaccountable. Violation of my consumer tight

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 2017-09-05 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: NY

Complaint narrative:
XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$3500.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-09-05 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:
XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, MA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$3500.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation