vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-19 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: NV

Complaint narrative:
these removal are still showing on all three credit bureaus ... .these removals should be updated imediatley

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 2020-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I RECENTLY MOVED TO XXXX TEXAS IN XX/XX/XXXX. BEFORE NOW I HAVE ONLY EVER LIVED IN CALIFORNIA AND XXXX, A SMALL COUNTRY IN XXXX WHERE I AM FROM. I OBTAINED A COPY OF MY CREDIT REPORT TODAY FROM XXXX  AND I SAW ADDRESSES APPEARING IN MY REPORT FROM PLACES I HAVE NEVER LIVED. THEN, I SAW A BUNCH OF CLOSED ACCOUNTS AND A COLLECTION ACCOUNT. I HAVE NEVER HAD AN ACCOUNT SENT TO COLLECTIONS BEFORE BECAUSE I ALWAYS PAY MY BILLS ON TIME. I HAVE ALSO NOT USED A LOT OF CREDIT IN THE PAST BECAUSE I DON'T LIKE DEBT. I HAVE ONLY EVER HAD 2 CREDIT CARDS ; A XXXX XXXX CARD AND AN XXXX CARD WHICH I CLOSED WHEN I PAID THEM OFF. ANY OTHER ACCOUNTS IN MY CREDIT REPORT ARE FRAUDULENT. I DON'T KNOW WHAT I HAVE DONE TO ANYONE FOR THEM TO DO THIS TO ME AND I AM SCARED THAT MY INFORMATION IS IN THE WRONG HANDS. THIS IS THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT ; ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX INQUIRY : XXXX - CARD SERVICE, INQUIRY DATE : XX/XX/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 2020-01-19 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: TX

Complaint narrative:
I RECENTLY MOVED TO XXXX TEXAS IN XXXX OF XXXX. BEFORE NOW I HAVE ONLY EVER LIVED IN CALIFORNIA AND XXXX, A SMALL COUNTRY IN XXXX WHERE I AM FROM. I OBTAINED A COPY OF MY CREDIT REPORT TODAY FROM EXPERIAN AND I SAW ADDRESSES APPEARING IN MY REPORT FROM PLACES I HAVE NEVER LIVED. THEN, I SAW A BUNCH OF CLOSED ACCOUNTS AND A COLLECTION ACCOUNT. I HAVE NEVER HAD AN ACCOUNT SENT TO COLLECTIONS BEFORE BECAUSE I ALWAYS PAY MY BILLS ON TIME. I HAVE ALSO NOT USED A LOT OF CREDIT IN THE PAST BECAUSE I DON'T LIKE DEBT. I HAVE ONLY EVER HAD 2 CREDIT CARDS ; A XXXX XXXX CARD AND AN XXXX CARD WHICH I CLOSED WHEN I PAID THEM OFF. ANY OTHER ACCOUNTS IN MY CREDIT REPORT ARE FRAUDULENT. I DON'T KNOW WHAT I HAVE DONE TO ANYONE FOR THEM TO DO THIS TO ME AND I AM SCARED THAT MY INFORMATION IS IN THE WRONG HANDS. THIS IS THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT ; ACCOUNTS : XXXX XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX INQUIRY : XXXX - CARD SERVICE, INQUIRY DATE : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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:
I did not authorize anyone employed by these companies to make any inquiry or view 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 non-monetary relief
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
On XX/XX/XXXX, a new collections account was report to XXXX  and XXXX  by Enhanced Recovery Company ( ERC ) showing a delinquent amount of {$640.00}. The original creditor is XXXX XXXX. I have no knowledge of this account and have never had any accounts with XXXX in my name. The date ERC is reporting the account to have been open is XX/XX/XXXX. However, XXXX  has disclosed that the item reported indicates the account was opened in XXXX. From XX/XX/XXXX - XX/XX/XXXX we had an account with XXXX XXXX ( now XXXX ), which was I my husbands name. We moved to Florida in XX/XX/XXXX and now have an account with XXXX. Therefore, no such account with XXXX could have been opened in my name during XXXX. 
I have never received a bill or any other written communication pertaining to this account and was very surprised to see it mysteriously show up on my credit at the same time that Im in the process of obtaining a new home loan. This derogatory mark on my credit could result in the loan being denied. 
I have not contacted ERC, as they have not initiated any sort of communication with me. ERC is known for their unethical collections practices and for violations of the Fair Credit Reporting Act. I feel they have placed this erroneous debt on my credit and will not remove it, regardless of whether or not I pay then in full. They have essentially hijacked my credit unjustly just as I am in the process of getting an FHA home loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I just looked last night. I have USPS informed delivery but that's not horribly relevant because the letter dated XX/XX/XXXX. Informed Delivery email states I received this letter onXX/XX/XXXX. For all I know, this law firm held the letter in an attempt to give me less time to respond. 

THIS LAW FIRM AND THIS 24/7 IS SHADY SHADY SHADY. 

If I didn't receive this letter until XX/XX/XXXX, assuming due to the heavy USPS mail activity during XXXX time, TECHNICALLY I had until XX/XX/XXXX to respond. I responded well within this time frame. 

That being said, this law firm filed a court case on XX/XX/XXXX. This is not even 30 days from the date of the letter, much less when I actually received it on XX/XX/XXXX. The letter ( as well as the law without letter ) requires a 30-day response from me. This letter even STATES this. 

Unfortunately, you will have to cancel this illegal court case because you are SHADY AS XXXX  and didn't follow the law. You filed on XX/XX/XXXX, NOT GIVING ME THE REQUIRED BY LAW 30 DAYS TO RESPOND OR LONGER. 

Even if this SHADY law firm is XXXX XXXX XXXX XXXX, all I have to do is send an attorney to the court hearing and say this was WELL UNDER 30 days and they will have no choice but to throw this case out. 

I love how this attorney THINKS they are above the law but they clearly are not. Where did they get their law degree. XXXX XXXX XXXX? 

As mentioned in another CFPB complaint, I will be happy to pay {$100.00} or even more to this client WITHOUT FURTHER INTEREST OR ANY ATTORNEY 'S FEES associated with this. If you want to fight it out in court, YOU WILL GET NOTHING. If you want to follow the law, that's fine, I can start paying on this at {$100.00} or more per month starting XX/XX/XXXX. 

I believe the balance I would like to pay on with XXXX INTEREST OR ATTORNEY 'S fees should be around {$1000.00} or {$1000.00} from the time I stopped paying on this account. 

STOP BEING SHADY, YOU AND YOUR TWO-BIT ATTORNEY and you'll start getting monthly payments regarding my account. 

If I have to show up or get served in court due to this court case, I will counter-sue this firm for monetary damages and time wasted. 

CFPB : PLEASE SHUT THESE PAYDAY LOAN COMPANIES DOWN. THEY ARE CHARGING HORRIBLE FEES AND INTEREST AND I WANT THIS COMPLAINT IN YOUR DATABASE PERMANENTLY, HOPING YOU GET MORE LIKE MINE and SHUT THEM DOWN EVENTUALLY FOR USUERY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
these removal are still showing on all three credit bureaus ... .these removals should be updated imediatley

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 2020-01-19 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: EQUIFAX, INC.
State: NV

Complaint narrative:
these removal are still showing on all three credit bureaus ... .these removals should be updated imediatley

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted Citi Bank in an attempt to resolve my moderately past due account. I put forward a reasonable proposal that if they'd waive all late fees and ensure that my interest rate remains unchanged, I could dig in and pay the entire amount due, but past due and current. They stubbornly are refusing to waive one {$28.00} fee. I would imagine me paying the entire amount due to bring the account current in exchange for the waiver of this small fee is more than reasonable. I only fell behind due to unexpected unemployment, but am trying to work with this creditor in good faith to service this debt now that I am again employed.

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 2020-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view 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 2020-01-19 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: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry or view my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am unable to get all reports XXXX  XXXX WILL NOT RELEASE MY REPORTS I HAVE CALLED THEM SEVERAL TIMES. 
XXXX  has information on the account unknown and inaccurate incorrect payment amounts on accurate accounts such as child support payments. Its preventing me from getting a loan and growing my business I would liked this information removes KOHLS XXXX XXXX XXXX AND OTHER CREDIT AMOUNTS CHECKED FOR UTILIZATION AND THE BLOCKS REMOVED FROM MY REPORTS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.

Complaint narrative:
My name is XXXX XXXX XXXX, I am a XXXX year old XXXX citizen ( registered XXXX ). 
I have had two accounts with the Suntrust bank for many years which I used whilst travelling previously within the US, without any problems. I received my last true statement at the end of XX/XX/2019, both my accounts where at this stage fine, however at the beginning of XXXX I received my first account closure notice from Suntrust bank to say they were closing one of my accounts, which at the time was in credit with a balance of {$5900.00}. I have an assistant Mrs XXXX XXXX who helps with correspondence etc, ( due to my XXXX ) and she began the process of contacting Suntrust to determine what had happened to this account which was now showing a XXXX  balance.XXXX  tried phoning several numbers shown on the bank statement without success, she was never able to get an answer, eventually she did correspond with Suntrusts on line customer chat service, she was told after investigation that it appeared that this account had been passed to abandoned accounts, a department which freezes accounts for several reasons, one being inactivity for more than 3 years. It is true that my accounts have been inactive for several years due to that fact I have not traveled to the US since going XXXX. 
XXXX was given several numbers to call to speak to someone to resolve this issue but to no avail as she was put on hold and after a short period of waiting in the queue when no-one answers the line goes dead. 
This happened so many times, then in XX/XX/2019 I received another letter to say my second account with a balance of {$3700.00}, had also been closed, so the statement now shows I have XXXX balance on both accounts. XXXX by this time had written to Suntrust bank to explain the situation and had sent the letter by international tracked postage which was signed for on delivery, this letter requested that the bank contact either myself or XXXX to resolve the problem of the missing balances. This letter contained my e-mail address and phone number and XXXX XXXX email address and phone number. The bank has failed to respond to either of us. As you can appreciated this situation has been extremely distressing as we are in the XXXX. Following correspondence with the CFPB has been the only positive thing to happen as your response was immediate and following a call made by XXXX to the complaints department I feel we are getting somewhere at last. Suntrust 's lack of help I have found quite shocking.

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 2020-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
First, I am again for the 11th time ( 1st complaint # XXXX XX/XX/XXXX, 2nd complaint # XXXX XX/XX/XXXX, 3rd complaint # XXXX XX/XX/XXXX, 4th complaint # XXXX XX/XX/XXXX, 5th complaint # XXXX XX/XX/XXXX, 6th complaint # XXXX XX/XX/XXXX, 7th complaint # XXXX XX/XX/XXXX, 8th complaint # XXXX XX/XX/XXXX, 9th complaint # XXXX XX/XX/XXXX, 10th complaint # XXXX XX/XX/XXXX ), writing CFPB because of the BULLYING tactics of Select Portfolio Servicing , inc . In the last writing to CFPB I wrote about the ERRONEOUS AND INTENTIONAL MULTIPLE POSTINGS OF NONPAYMENTS to my account. I have not missed a payment since the beginning of a forced into and account transfer of my account to Select Portfolio Servicing , inc . THE RESULT, THROUGH CFPB, OF THE LAST SET OF HARASSMENT WERE SELECT PORTFOLIO SERVICING, INC. CORRECTIONS MADE TO MY ACCOUNT. Again, I have not missed one payment since Select Portfolio Servicing, inc. corrected my account ( NOT COMPLETELY CORRECTED ), and I have continued and consistent proof. With that noted, Select Portfolio Servicing, from the date of said corrections, has added erroneous multiple months of no payments to my account, as I pay each month. Select Portfolio Servicing is again for the 11th time using the same bullying and harassing tactics, with a letter of default and placing blatant notes on the door of my property. They have ignored the corrections and are again threatening me with these same bullying tactics to FORCE me to refinance with them or sell my home! 
Second, my interest rate has not decreased since I began this loan .... I am called constantly and asked the question, " Why my interest rate is so high when the current interest rate is lower and/or why has this company not offered me the current or a reduced rate. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My loan is with Navient. 
When I was financially stable I set up a generous monthly auto-payment plan ( {$170.00} ) to lower my overall debt and keep interest down. I paid this amount for several months, but when I enrolled in school gain I turned off the autopayment and went into deferment until I finish school. 

Despite canceling the autopayment I was still billed. 

Their last withdraw put my account into the negative. 

I called the company, they said autopayment had been deactivated, and after i prompted them to look at my recent payment history they acknowledged their fault and said that they would refund the money, which they never did. 

This happened several times, I even deleted my debit card from my navient account payment methods and was STILL billed. They give me the same story each time : Navient : You are not on autopayment Me : Then please review the recent payment on my account Navient : Ah, I see. That is strange. We will resolve this and refund your money. 
Me : I will not be billed again, correct? 
Navient : Correct, we apologize for the inconvenience, I dont know how this happened. 

The last time I asked for a written document stating I will not be billed, which they said would arrive here by the XXXX ( call was on the XXXX ) today is the XXXX and I have not received a formal letter or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Company sent me a letter asking for collections regarding a debt owed to XXXX in the amount of XXXX. I just called XXXX and verified that I have no balance due on my account. This company is making false claims and threatening to report it on my credit report if I do not respond in 30 days. 

I have sent in a letter disputing their claims as false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2020 I received an email from a company called Netspend, advising me that my " Netspend card is on the way! '' The email goes on to state : " XXXX, your Netspend Prepaid Mastercard has been shipped and is on its way to you. Once your card arrives, be sure to activate it and verify your identity. * After that, add money to your Card Account and then use your card to buy groceries, pay bills,1 and shop online! '' Not only did I never order or authorize a debit card from Netspend, I've never even heard of them. I believe this is a consumer scam, and hope you can do something. I have attached the email for our information.

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 2020-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion reported a 30 day late payment from XXXX in XX/XX/2019 and used this to lower my credit score by 120 points. My score dropped from over XXXX to XXXX. XXXX since has rescinded the information and has updated all the credit bureaus. TransUnion now shows all payments on time with XXXX. No other issues on my credit report yet they still show my credit score at XXXX now into middle of XXXX. Their low score based on the missed payment is still reflected even though the payment was updated to by XXXX as not. TransUnion does not provide any means to understand why they lowered my score by over 120 points for false report and then not at least update within a comparable amount once it is removed.

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 2020-01-19 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
My original claim XXXX requesting removal of debt {$490.00} has not been removed from all three credit bureaus. This debt was dismissed years ago even though not mine. Owning a credit card does not automatically make this a legitimate debt of mine due to identity theft years ago. I have repeatedly asked for documentation showing my signature on the specific purchase ( s ) in question. If this document cant be provided please remove this entry on all3 reports immediately

Company response to consumer: Closed with explanation