vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-14 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: TN

Complaint narrative:
On the XX/XX/XXXX, I submitted a dispute to each of the major credit reporting agencies to report me being an identity theft victim. Despite the submission of all supporting documents required by the reporting agencies and the FCRA sec 605b for victims of Identity Theft, there has been no action taken yet.

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 2018-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
leased atXX/XX/2018 XXXX truck and said I needed a co borrower so I put a down payment and only got credited for one of the none monhs of payments and I get some thired party sayimg they are collecting payment and requested mulitple times for statments I beleive my identy was used and stolen to credit others and I pad out to much tohave no credit showing in my report please help Thank you

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 2018-12-14 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: TN

Complaint narrative:
On the XXXX XXXX XXXX I submitted a dispute to each of the major credit reporting agencies to report me being an identity theft victim. Despite the submission of all supporting documents required by the reporting agencies and the FCRA sec 605b for victims of Identity Theft, there has been no action taken yet.

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 2018-12-14 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: TN

Complaint narrative:
On the XX/XX/XXXX, I submitted a dispute to each of the major credit reporting agencies to report me being an identity theft victim. Despite the submission of all supporting documents required by the reporting agencies and the FCRA sec 605b for victims of Identity Theft, there has been no action taken yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IA

Complaint narrative:
I submitted a complaint in regard to this company having this bill on my credit report. In my complaint I advised that this was not my bill. I have never had XXXX before in my name. The company sends me a bill stating verification of a bill. This is not a VALIDATION that this bill belongs to me. The bill has a name and an account number. There is no signed contract submitted, there is nothing of personal information that validates that this is my bill. The only thing on this bill is my name XXXX XXXX. A debt collector my not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. So with this being said I have attached a letter of VALIDATION not VERIFICATION which is what they sent to my and will also be sent in an attachment as well.

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 2018-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
A derogatory medical debt was reported to my credit bureaus. I never received a letter from this company, therefore, I didn't receive the notification to collect a debt or my right to dispute the debt within 30 days. I pulled my XXXX  report and the following was on there : IC System Collection XXXX XXXX XXXX XXXX XXXX, MN XXXX Updated XX/XX/18 Says I owe {$95.00} I tried to login to their website to get more information and it says I need a reference # from the letter they sent me. However, I don't have one as I never received a letter from them.

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 2018-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I Wrote a letter to the ERC Group disputing the validity of this debt, a year ago. When they failed verify this debt, I assumed it was dissolved. But now a year letter they are calling me repeatedly & sending threatening collection letters. Calling me at obscene hours etc ; claiming I owe them $ XXXXon account # XXXX, XXXX XXXX XXXX . Their assigned reference # XXXX to me. I do not owe this alleged debt. I would like you to have them cease & desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: TX

Complaint narrative:
I received a check for {$1900.00} because I was going to sell some furniture in XXXX. When my wife went to deposit the check, all the fu ss were available the next day. So I told the person to proceed with the purchased because the funds were now available. The next day, that person sends me a text and tells me that he had an emergency and that he needed the money back so I sent it to him via XXXX.to 2 different accounts. I sent {$700.00} to the account with the email address XXXX and {$1100.00} to the account with the email address XXXX and that afternoon I get a notification from the bank saying that my account was -XXXX so I called and ask them what happened and that I made those transaction because the funds were available, but they said that the check was a bad check, but they said they could not return my money that I had to file a complaint with yall. That is all the money we had and now it got stolen. The number they texted me from is XXXX this transactions took place in the past 2 days

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 2018-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MN

Complaint narrative:
Hello, I've worked with XXXX XXXX XXXX for my student loans. My question to the company is how many payments that I've made qualify for Public Service Loan Forgiveness. I've contacted the company by phone and email many times to get a printout of what payments qualify and don't qualify for public service loan forgiveness. This has been going on for over a year and a half. I believe I'm getting close to student loan forgiveness, but can't get any information about how many payments of mine qualified or don't qualify. I appreciate your support in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: FL

Complaint narrative:
On XX/XX/XXXX of this year I observed XXXX XXXX on my credit report as a inquiry. I notified Equifax and was instructed that the company ( XXXX ) would have to request to remove the inquiry. I contacted XXXX XXXX and on XX/XX/XXXXI received a letter ( attached ) requesting that Equifax remove the inquiry. I also  forwarded the letter in XX/XX/XXXX, via mail, and have not received and type of response back. I contacted Equifax 's dispute department and the representative stated I would have to request the inquiry to be removed from the company. I informed her I did and forward a copy of the letter too. This was done in error and just want Equifax to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I have tried to use the loss mitigation process to do a loan modification. I was {$14000.00} behind in my mortgage and I was only able to come up with {$10000.00} so Faye Servicing would not accept the {$10000.00} and allow me to make arrangements on the remaining {$4000.00}. I feel behind while in Bankruptcy During the process my loan modification paperwork was continually denied due to the need to obtain separate homeowners insurance, although I have forced hazard insurance. 

I was given time to obtain the homeowners insurance and during the alotted time to provide said documentation I received Foreclosure Court Papers. 

I sought an attorney to help me with the process. My attorney has been working thru the process with the Banks Attorney. 

However Faye Servicing has continued to pursue a bank foreclosure. I was told that I am subject to both a Judicial Foreclosure and a Bank Foreclosure. 

So, I have been subject to additional collection actions by Faye Servicing. Faye Servicing has demanded the same paperwork my attorney has submitted. Faye Servicing has continued to tape notices to my door and call me from multiple numbers.

I spoke to the Account Manager at Faye Servicing and I was told that by not participating with the Bank Foreclosure that I will lose my home despite the actions taken by my attorney. My attorney advised me to not talk to Faye Servicing but they continue their collection efforts. 

I am scared to lose my home! I am pursuing another attorney for the additional foreclosure proceedings. So, I will have two attorneys to address both collection actions moving forward. I just need to ensure that I do not lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been banking with Wells Fargo since I became an adult roughly 20 years ago. Up until recently, I had my personal checking, personal savings, business checking, business credit card, and a car loan with Wells Fargo and Wells Fargo Dealer Services. This was the third consecutive car loan with Wells Fargo Dealer Services. I started a XXXX XXXX company 4 years ago and naturally it was with Wells Fargo. My point is, I have been a very loyal life long customer. 

On XX/XX/XXXX, Hurricane Michael made landfall as a major Hurricane and decimated our area. My wife was XXXX XXXX XXXX  at the time and we were forced to evacuate to XXXX Alabama several days prior. I returned on XX/XX/XXXX to a damaged home, no power, water, or communications. 

During this time I missed a car payment that was due on XX/XX/XXXX. I have never had a 30 day late on the 3 loans I have had since XXXX. When going to make my XXXX payment, I realized I had missed a payment. I immediately made both payments and called customer service. The representative informed me my payment had been made and gave me the number for a disaster relief department that was closed. I called the next day and they wanted to back out my payment and set up a payment arrangement. I declined the offer and just wanted to stress how important my credit was and didn't want it effected by this. They assured me my account had been flagged as being effected by a disaster. 

One month on, I check my credit and it has dropped from XXXX to XXXX points due to a 30 day late being reported. With my history as a XXXX XXXX XXXX  and XXXX XXXX, I know it is possible to back out negative credit reporting. I called again, this time talking to no fewer than 5 people, asking to speak with a supervisor or manager only to receive a " Escalation specialist '' or " Senior Escalation Specialist ''  never being connected to anyone that could resolve my issue. I was told to fax a request to a credit department, they wouldn't submit for me due to no error being made, or I could contact The Office of The President.

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 2018-12-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Constant phone calls from Navient from morning til night. Spoke with representatives and was told there is no forbearance for private loans and no escaping payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: GA

Complaint narrative:
I have Requested Validation of the following account that Equifax continues to report on my credit file : Bankruptcy # XXXX. Equifax lists XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2018. On Wednesday XX/XX/2018 I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with XXXX agent ID # XXXX and she informed me that a security freeze was placed on my account as of XX/XX/2018. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On Wednesday XX/XX/2018, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with XXXX agent ID # XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2018. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2018. I demand that this public record Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax 's so-called 'verification? on XX/XX/2018 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. Equifax has FAILED to validate this bankruptcy and is in violation of the FCRA. All they send is a XXXX XXXX address and a statement saying 'the account is verified. I demand that this unverified account : Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: SC

Complaint narrative:
XX/XX/2018 On this portal Equifax responded to my complaint submitted to the CFPB on XX/XX/2018 stating after REINVESTIGATION they have determined that this unverified inaccurate information belongs to me. NO SUPRISE! Attached is a letter I sent via certified mail received by EQUIFAX on XX/XX/2018, Requesting information and contacts from chase bank with phone numbers of individuals providing the inaccurate unverified information. EQUIFAX has NOT sent the requested information. Its been over 60 days. EQUIFAX DOES NOT INVESTIGATE. If they did, they would have sent the requested information on the attachment. CFPB supporting documents from me was sent with this document over 2 months ago. EQUIFAX mail me the information in the document requested that Equifax received on XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reached out to my servicer, Fifth Third to inquire about having the PMI removed from my mortgage loan. 

They said it would require a re-appraisal. 

Scheduled appraisal and appraiser visited on XX/XX/18. 

Request for PMI removal was denied I received a copy the appraisal and around XX/XX/18 and noticed the appraisal was incorrect and did not have the correct bathroom count. 

Notified 5th 3rd on XX/XX/18 that the appraisal was incorrect. Then notified numerous more times. They gave me the runaround for 2 weeks and it sounded like it was not going to get corrected and I would just have to deal with it being wrong and the PMI cancellation request being denied. 

XX/XX/18 I received notice that the appraisal has been corrected and the PMI has been removed. 

They still will not tell me the appraised value. 

I have requested for a copy of the appraisal numerous times and have not received it. I need the appraisal and it is now going to be considered aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Service, Inc
State: OK

Complaint narrative:
1. this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars 2. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all three credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. Both of these accounts have been disputed on several separate occasions and the collection agency continues to report inaccurate and unsubstantiated information. This inaccurate information has caused my family the inability to obtain housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: FL

Complaint narrative:
On XXXX of this year I observed XXXX XXXX XXXX XXXX on my credit report as a inquiry. I notified Equifax and was instructed that the company ( XXXX XXXX XXXX XXXX ) would have to request to remove the inquiry. I contacted XXXX XXXX XXXX XXXX and on XXXX I received a letter ( attached )  requesting that Equifax remove the inquiry. I also forwarded the letter in XXXX, via mail, and have not received and type of response back. I contacted Equifax 's dispute department and the representative stated I would have to request the inquiry to be removed from the company. I informed her I did and forward a copy of the letter too. This was done in error and just want Equifax to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
On XX/XX/2018 I recieved a Chase XXXX rewards card. I never applied for the card and dio not want one. I called Chase and after 11 minutes, I finally spoke to a customer service person. I asked why they sent me the card and she said I must have requested it. I told her I did not. She ask for my Social Security numbere and I told her I didn't want to give her that personal information. She told me that if I didn't give her the information, she would not process my complaint. 

I can't understand how a company can use my personal information to send a credit card I did not ask for. I don't know who is to blame, Chase or XXXX.

Company response to consumer: Closed with non-monetary relief