vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Their is a Superior Court Order to REMOVE the XXXX XXXX XXXX XXXX XXXX, When I called I got the run around, transfer after transfer to a Supervisor " XXXX '' well we just have to keep it disputing this its only been since XX/XX/2013! It was a joint account they REMOVE off my spouse and not my report ( XXXX XXXX, XXXX ). Legally each bureau received the Voluntary Withdrawal from XXXX what more do you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: IN

Complaint narrative:
i ask the company to show me proof that I open this account by sending me a copy of my signature associated with this account and they told me that they do not have my signature bearing on this account so I ask them to delete this off my credit report the name of the company is XXXX XXXX XXXX the amount was XXXX was charge off XX/XX/2015 the address is XXXX XXXX XXXX XXXX, XXXX XXXX sd.XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: IN

Complaint narrative:
i ask the company to show me proof that I open this account by sending me a copy of my signature associated with this account and they told me that they do not have my signature bearing on this account so I ask them to delete this off my credit report the name of the company is XXXX XXXX XXXX the amount was XXXX was charge off XX/XX/2015 the address is XXXX XXXX XXXX XXXX, XXXX XXXX sd.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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit report shows that I have an inquiry from Capital One Auto Finance on the date of XX/XX/XXXX in which I never requested. I had just financed a car through Capital One in the month of XXXX and that inquiry shows correct but this one is false. I brought up the issue on XX/XX/XXXX was informed That I would have make a report to get it handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: DE

Complaint narrative:
XXXX XXXX sold my mortgage to Fay Servicing. I tried to apply for a loan modification. Fay Services took all my information. Then sent me a notice that I must pay {$1600.00} every month. {$740.00} + {$950.00}. My regular mortgage payment is {$740.00}. I am 4 months behind. {$740.00} x 4 is {$2900.00}. They want me to pay {$950.00} x 4 =  {$3800.00}. For what? I have only 1 late fee of {$25.00}. This is not a modification! My account manager is XXXX XXXX. 

I am a Personal Banker at a bank. We cant treat customers this way. How can they?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: OH

Complaint narrative:
I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have filed several disputes with Experian dealing with a few accounts. i have sent proof that the information is not reporting correctly, yet they send automated letters saying it updated and verified. it can not be verified as it still reports incorrectly. i have asked for information on how the investigation took place and what info did they have to prove that the information is correct. On XX/XX/XXXX they received the first dispute asking to investigate along with PROOF. they responded that the information was updated, however it was NOT. on XX/XX/XXXX i sent a re-investigation letter asking for details of how the proved the account they did not send any information but claimed it was verified. they did not aknowledge any letter i sent. XXXX XXXX  has admitted that they do not have any information to validate that I am truly liable to a debt, yet Experian says they have it and will not send to validate the debt.

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 2018-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, I opened a checking account at Citibank when they had a promotional offer of a {$500.00} bonus for opening a Priority Account. The requirements to meet the {$500.00} bonus consisted of opening a new Citi Priority Checking Account, depositing more than {$50000.00} new-to-Citibank funds and maintaining that balance for 60 consecutive days, and having a direct deposit into the account at least once a month for 2 consecutive months. I have met all 3 requirements. The fine print stated that the {$500.00} bonus would be deposited into my account after 90 days. I would assume that they would have done this by XX/XX/XXXX. A couple of months ago, I went into my local Citibank branch and one of the customer service representatives assured me that they would make that happen. When the bonus still didn't post, I went back 3 weeks ago to inquire. They seemed to file some paperwork but the bonus still has not posted as of today.

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 2018-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX and I have an FHA loan, serviced by Caliber Home Loans, that I need assistance with. The loan, which is referenced as Loan Number XXXX by Caliber Home Loans, is currently in default status and Caliber is attempting to proceed with foreclosure on the home. 

In XX/XX/XXXX, I became unemployed. I did not resume work until XX/XX/XXXX, due to difficulty finding employment caused by unfounded negative references from my former employer. During this time I was approved for an FHA Special Forbearance Plan in regards to my mortgage. I worked with Caliber Home Loans to pay these payments between XX/XX/XXXX andXX/XX/XXXX. Each time I contacted Caliber regarding the payments, I was informed that the payments would be accepted and applied to my forbearance plan even though they were not received by the XX/XX/XXXX day of each month of the plan as long as the payments were made by the last business day of the month. I made all of the required forbearance plan payments from XX/XX/XXXX through XX/XX/XXXX by the last business day of the month, which were accepted and applied to my balance. 

In XXXX and XX/XX/XXXX when I contacted Caliber to make the payments, I inquired as to the need for any additional paperwork or documentation from me for the Forbearance process to be completed and normal payments to resume in XXXX. Each time I was informed that the process to complete the forbearance would automatically update once the last payment was received and no additional documents were necessary. 

In XXXX, I have attempted to make my normal mortgage payment only to be informed that my payment would not be accepted because my home is in foreclosure because I did not submit the required paperwork to process the end of the forbearance plan. In my most recent contact with Caliber Home Loans, on Friday, XX/XX/XXXX, I was informed that I should not attempt to make the XXXX payment because their policy was to return payments that were not made in full during the foreclosure process - meaning that if the payment I was going to make was not equal to the total past due amount ( now approximately {$15000.00} ) my payment would not be accepted. 

I would l like to continue living in my home and eagerly await the opportunity to resume normal monthly payments. Any assistance that you can give me on this matter would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX, Borrower XXXX XXXX XXXX XXXX, TX XXXX XXXX ( cell ) XXXX ( home ) XXXX XXXX XXXX XXXX, Interested Party ( Spouse of Borrower ) XXXX XXXX XXXX XXXX, TX XXXX XXXX ( cell ) XXXX ( home ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: OH

Complaint narrative:
I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.

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 2018-05-01 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: OH

Complaint narrative:
I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.

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 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
CFSI damaged my credit by reporting a debt that should be/was taken care of by my employer insurance ... I have been with my company since XX/XX/2012currently and still working there..even if my employer changed insurance I still would be covered as we don't " lapse '' our insurance ... the bill I received from XXXX XXXX XXXX   XXXX clearly shows I owe {$0.00} ... this seems like unlawful practice on Commonwealth financial systems behalf and they should be ashamed of themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I lived and went to school in Washington, DC from XX/XX/XXXX-XX/XX/XXXX. When I decided to leave DC I disconnected my XXXX ( XXXX ) account and paid off and verified the account was closed in person. I was made aware that account was closed and that I owed no money. That was over 5 years ago in XXXX ( closed the account ) and XXXX ( paid the last months balance ). I recently, mid-late XXXX, received notification from XXXX XXXX that I have a collection on my XXXX credit report, and my credit dropped in the 600s. It showed that it was XXXX and that the collection account was activated in XXXX XXXX, for a total of {$340.00}, an amount I never accumulated for an electric bill. I haven't received any notification from XXXX that I had a deliquent account or an outstanding balance in the past six years since closing the account, I also still haven't received anything from the collection agency, Transworld Systems, when the account was in collections with them. Fair debt collection practices states that they are to contact me within 30 days of the account opening. I've called and left messages with my address and phone number on numerous occasions : XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX ( X2 ), XX/XX/XXXX, XX/XX/XXXX. I wanted to get clarification as well as explain my experience and knowledge of the account. If necessary, to negotiate payment and work to get this removed completely from my account. I know for sure that I paid my balance and was told in person that the account was closed and resolved, so either the company continued an account without my knowledge and permission, or reopened it for that apartment again without my knowledge and permission. Representatives explained that the collection agency is located within the utility business, and while the XXXX representative would not give me details of the account she forwarded me to the collection department, which I continued to follow up with, to no avail over a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: VA

Complaint narrative:
The car that was allegedly leased was repossessed with the original creditor and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The original creditor decided to keep the car as compensation and therefore I no longer owe the original creditor for the lease of this vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. 
I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement between the original creditor and XXXX XXXX XXXX. With the original creditor giving all rights to this debt including the right to receive payment and charge interest to XXXX XXXX XXXX 
If there have been any other changes or adjustments since the last billing statement from the original creditor, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. 
Do they have a debt collection license from my state? provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
If the leased vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.

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 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX my attorney sent certified mail to XXXX XXXX also know as XXXX XXXX in an attempt to settle my debt. It contained a settlement letter and check # XXXX for the amount of {$500.00}, both of which stated that negotiation of the check shall constitute complete satisfaction of claims. The last 4 digits of my account number were written in the memo section of the check stating full settlement. On XX/XX/XXXX, the settlement check for {$500.00} was cashed. 

The credit agencies are still reporting I have a past due balance, I believe that this is a violation of the Fair Debt Collection Practices Act, 15 U.S.C.1692 ( c ) as this debt has been settled by the original creditor and should be reported as paid settled with {$0.00} balance due. 

I called XXXX 's on XX/XX/XXXX but was not able to resolve this matter.

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 2018-05-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The Equifax data breach has not been addressed. My social secuirity number and other personal information is currently held by an unlawful organization and this puts my security at risk. It is unacceptable that there has not been a coordinated response by the US government.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: NC

Complaint narrative:
I have asked repeatedly that the company remove my name from the debt collection as I was not included in the contract. The contract was made by my mother and I am not part of the binding contract. I did not in anyway authorize the use of my name or information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: Navient Solutions, LLC.
State: DE

Complaint narrative:
I have attended XXXX on 2 separate occasions and both times were unable to get further after obtaining my lisences. I now owe {$70000.00} of debt and XXXX has interviewed me twice and not once did I hear back from them. I have been out of school with my XXXX XXXX for 3 years and still dont work in the field that I love. I have applied multiple times and havent heard anything back from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
there ran a hard inquirie without my permission

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