vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc.
State: GA

Complaint narrative:
I received correspondence from XXXX XXXX XXXX only stating that they are reporting accurately yet unable to furnish the information on how the account was open and a wet signature bearing my name.  This account was a result of identity theft and I have never owned a XXXX  XXXX XXXX Card.I am attaching my rights as a consumer that they delete and remove per FTC that if an identity theft report is supplied and copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies (CRAs). As a furnisher, upon receipt of a consumer’s written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection

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 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have requested, in a letter sent by mail, that this collector ONLY contact me via postal/snail mail. They continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
- I owed this company for the payment of my car. I have paid them in full the debt that I owed and I have my title to my car. However, they are still reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I was charged $XXXX  for shipping on a pair of shoes using XXXX on SundayXX/XX/2019. The person selling the shoes contact me via social media (XXXX XXXX XXXX) and had told me that I had to pay for shipping and that I could do that through XXXX. He gave me the information I needed to process this payment, I then realized that the person selling the shoes was a scammer and in fact I was not going to ever receive any shoes. I processed the payment through my bank mobile app that provides the use of XXXX. Being a first timer, I thought I had protection and ability to get this money back or at least cancel the payment from processing the payment placed if anything like this happened. My bank, Bank of America is not willing to help cancel the payment or refund me this money and would like to receive help to get this money 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 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: MI

Complaint narrative:
I don't owe this money It has been disputed and I have not received a response.  It continues to show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: FL

Complaint narrative:
I have incorrect information on my credit file as a result of identity theft:- XXXX XXXX XXXX XXXX  - XXXX - XXXX  2019 - XXXX XXXX XXXX XXXX - XXXX 2019 - $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
Gurstel law firm  continues to send request to pay alleged debts that were due to fraud including amended complaint to the XXXX  DISTRICT COURT in XXXX  UTAH. XXXX   XXXX has all the police reports and FTCID theft reports XXXX. DELIVERED XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: NJ

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file.

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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
I am XXXX as of a year ago in XXXX, filed chapter XXXX bankruptcy which was filed on XX/XX/19, loans against house through loancare and XX/XX/XXXX were both taken off credit report, ex husband changed loans through another company for house and now my name is back on loan as joint account holder and it is on both XX/XX/XXXX and XX/XX/XXXX credit reports after having been removed from bankruptcy, talked with XX/XX/XXXX, not easy to get this task done, also emailed XX/XX/XXXX but forms are difficult to complete and although it was taken off credit report and put back on by them I have to jump through hoops to get this done, in a nutshell, specialized loan servicing has my name on account, cannot contact them or talk with anyone because I have no account info, so I am in need of assistance. bankruptcy lawyer more than willing to submit papers but no one even has a fax number, but tons of forms to fill out, I don't understand how it was taken off by them but placed  back on in error but not able to be fixed.

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 2019-08-19 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: AR

Complaint narrative:
In my complaint #XXXX with XXXX, I requested the cleared debt with XXXX/XXXX  be removed as it was connected the XXXX XXXX XXXX, (which was removed). It was reported back to me that no such account exists, which is only partially correct.  The erroneous account being reported by XXXX, which was dismissed and closed by the court, is the XXXX/XXXX account.  This account is still being reported and hurting my credit score. This is a case where one finance company sold an account to another. (I believe the original account was held by XXXX   which sold it to XXXX  which in turn sold it to XXXX XXXX.)  As ALL accounts related to the debt were cleared and dismissed by the Arkansas Court, NONE of them should be continued to be reported on my credit file.  This is illegal.Although the results have not been completed with the two other reporting companies, I am afraid they will finish with the same results as XXXX.  Please refer to complaints #XXXX & #XXXX and add this problem to those.thanx.

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 2019-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I didn't know anything about this until I spoke with XXXX  but according to XXXX   when NAVIENT transferred all of my loans to them they were informed that Loan A was an income indigent (not sure if that is the correct way to say it) loan. According to XXXX, NAVIENT stated that back in XXXX, 2016 I agreed to change this one loan to this kind of repayment loan. I did not do this because I had already submitted my application to the Dept of ED for loan forgiveness and requested that ALL loans be on hold until the investigation is completed. Also, why would I do this for one out of all of the loans they had for me? Because of this I couldn't consolidate all of my loans when I tried to set up a future repayment plan. No documentation was ever received because if it had I would have disputed this with them back in 2016 and going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
On XX/XX/16  I took out a Flex Loan with Advance Financial. The APR is 279.5%. My payment is $XXXX bi weekly. $XXXX is interest and fees. I have paid my borrowed balance many times over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
Today on XX/XX/2019 looked at my XXXX report and seen there was a collection on my Account from Afni, Inc. So I called and spoke to XXXX at XXXX the number that was on my Credit report she not only let me explain to her I do not have no idea what this debt was and I also made it clear that this account is not mine , first off the company has not sent any information to me to know about this debt they are just throwing it on my credit report without any validation , she stated the number that was on my credit file she didnt know who I called I told her I thought this was Afni because that what it states when you dial the number she insisted on giving me another number to Afni because the number I called her on was not Afni but yet she answers the phone as Afni not only do I feel this is shady practices but the fact that no validation was received or it is not my account I want it removed from my report ASAP or I will seek legal action against the company due to their shady practices .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I was behind on my mortgage after having a baby. I was owed an escrow check from Freedom Mortgage for XXXX. They informed me once I was current on my mortgage that the check would be issued. I get paid once monthly and recieved my check XXXX XXXX. I called Freedom Mortgage and got current on my payments through the end of XXXX, which took my entire paycheck. I inquired about my escrow check and informed them that since my mortgage was current, I'd like my escrow check to be sent to me. The woman that I spoke with said it would be mailed. I called Freedom Mortgage on XXXX XXXX to inquire about the escrow check as it hadn't arrived yet. I was informed that the woman I spoke with on XXXX XXXX didn't put a ticket in to have the check cut and mailed to me. I then asked to speak to a manager. I spoke with an individual named XXXX. XXXX  informed me that due to their error, they would escalate the process so the check would come sooner. He wouldn't give a date, but just said sooner. The check had not yet arrived on XXXX   XXXX, so I called again and asked to speak with XXXX. I instead spoke with a representative that informed me the check wasn't due to arrive unil XXXX  XXXX which was completely unacceptable. I asked to speak with a manager. I spoke with XXXX (ID XXXX, ext. XXXX) and shared my frustrations with him. I informed him I would like the check overnighted due to their incompetence. XXXX  said he was able to get the check overnighted, and according to call notes, it was overnighted on Thursday XXXX XXXX, 2019. As the word overnight implies, I expected the check Friday. It didn't arrive. It also didn't arrive Saturday, so I called again. I was told a manager wasn't available. I asked for a tracking number for the shipment. If it was truly overnighted, there would be a tracking number. The representative I spoke with was unable to provide me with one and said she would work on getting a manager to speak with me. She informed me that overnight means 3 to 4 business days. I'm no scholar, but overnight means just that, over night. I never heard back from a a manager. I called again today to inquire about the check. XXXX  was unavailable. The check still hasn't arrived.

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 2019-08-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My information was part of the Equifax Data Breach. The FTC has been sending me updates regarding the settlement process. A few weeks ago I responded to the FTC’s link to choose how I wanted to receive a settlement when the case was finalized. I chose to receive the cash settlement option. Then, last week, XX/XX/XXXX, I received a letter and check from Equifax for XXXX. See copy of the letter and check below. So today, XX/XX/XXXX, I tried to call both the phone number and the email provided in their letter to ask a question about why they sent the check at this particular time and for the amount stated above. Both the phone number and the email are non-working. I then called the FTC about the non-working numbers and the letter I received. I was directed to the Consumer Financial Protection Bureau. I spoke with someone who provided me with contact information for Equifax and also said I could file a complaint I I wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was sent a letter stating I authroized payments and instead it was masked to hide a collection of Debt. I have no knowledge of this as it is not owed the car was totaled and this was almost 10 years ago. This seemed like a deceiving letter as if I authorized payments to an account that and not stated its a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: FL

Complaint narrative:
for the last few weeks i have been attempting to validate that i have a freeze on my Equifax credit bureau accounts.  I have NOT been able to do so at Equifax.  I have been able to do this at XXXX and XXXX.When speaking with Equifax they repeatedly tell you to call a phone number or go to their online site.  I have done both repeatedly.  They always say cannot help me, there is a problem.  The only way i can correct the problem, they tell me, is i have to mail them my drivers license and social security number.  I have been told this by multiple reps and their supervisor.  When I try to follow thier instructions to check my freee online, I fill in all the online information but it ends with a screen that again says there is a problem, i have to call.I have spoken with multiple representatives, spoken with supervisors and when i asked to speak with a manager was told none was available.  None of these people do anything more tha read a prepared script that says there is a problem on my account and  the only way i can resolve it is tht i have to send them my drivers license number and social security number - which i do not wish to do due to my concerns over it's security implications.  Plus, I have had dealings with Equifax long ago so know they have all this information already and have had it for decades or more. My credit accounts have been around for a very long time. I need help with these people without having to expose my critical personal data via mail or fax; data they should already have.  all i'm trying to do is to confirm i have a freeze on my credit accounts (especially, due to the lacks security this company has exhibited).I need to be insured that i can maintain my account's freeze status and i need to know i can get my free credit report without all this extraneous hassle.MOST IMPORTANTLY, I NEED TO BE INSURED THAT MY EQUIFAX DATA HAS NOT BEEN COMPROMISED!I am hoping you can help me get this corrected at Equifax.  Their service levels are poor and I cannot get anyone there to accomplish what i am trying to do.  The role they play in our financial system is too critical to not allow the public to gain access to their own data without having to provide even more critical personal information to do so; especially since Equifax must already have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
I paid my loan payment to Ocwen Loan Servicing, LLC (Account XXXX) for years, on time, with auto bank drafts.  Around May 2019, the loan was assumed by PHH Mortgage Services (Account XXXX) and the auto payments were dropped without notice.  When I realized the payment had not come out of my bank, I resolved the issue with PHH, made payments due online and then filled out the required forms with PHH to resume auto payments.  I received a notice dated XX/XX/2019  (attached) that my automatic payments have been cancelled.  When I contacted PHH to inquire, they indicated it was due to a bankruptcy discharge in my past.  When I asked PHH to send me written support for this policy decision, they indicated they were unable to do so.  My experience with the two representatives at PHH was frustrating as they kept repeating they were unable to do auto payments for me, but would not agree to send me a written explanation of their policy or laws governing this decision.I believe I am being treated unfairly.  The bankruptcy in my past was discharged long ago.  I have made on time payments by auto bank draft for years.  PHH has a auto bank draft system they offer their customers.  I believe I am unfairly being discriminated from using this payment system that will better allow me to continue my history of on-time, regular payments.  For PHH to make paying my mortgage difficult seems wrong.I would like PHH to provide written documentation supporting their decision pointing to laws or procedures and I would like information to know how I can remedy this situation so I may once again pay my mortgage electronically on a regular payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Charleston Area Medical Center
State: WV

Complaint narrative:
I have a collection action on my credit report that is not my debt, this action was started by Healthcare Financial Services on behalf of XXXX XXXX XXXX  XXXX.This debt is not mine and should have been paid by my companies workers compensation provider, XXXX.I spoke with both companies on XX/XX/2019 and the collection agency had the wrong account number, I advised the company of the correct account number and was assured that they would correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: CA

Complaint narrative:
This account was deleted from my credit file then placed back on just recently.

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 2019-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received correspondence from Bank of America only stating that they are reporting accurately yet unable to furnish the information on how the account was open and a wet signature bearing my name.  This account was a result of identity theft and I have never owned a Bank of America Card.I am attaching my rights as a consumer that they delete and remove per FTC that if an identity theft report is supplied and copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies (CRAs). As a furnisher, upon receipt of a consumer’s written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA.The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection

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 2019-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I was called by the number XXXX and was requested my social security number to gain access to my account and then was told they could not gain access and was then forwarded to a dead line. How can I protect my social number now or will they be able to use it to create fake credit accounts.

Company response to consumer: Closed with explanation