vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed for bankruptcy in XXXX, 2011 that has since been discharged by XXXX County. I have repeatedly asked Experian to remove this from my credit report as XXXX has. The law states that it can remain for 10 years. I understand this. However, why should I continually be punished when I have an otherwise excellent credit history. I believe Experian is being unduly harsh. I request help with this situation as I am trying to qualify for a loan.

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 2019-10-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Pioneer Credit Recovery continuously calls my department here at XXXX, harasses staff, and leaves messages. The woman in question is XXXX XXXX and her phone number is XXXX ext. XXXX. 

I believe she is trying to collect on student loan debt, which SHOULD be in deferment since I am a full-time graduate student.

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 2019-10-11 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: MI

Complaint narrative:
Multiple ; e account that are incorrect are reporting on my credit file XXXX XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX .... 

XXXX XXXX .... 

XXXX XXXX XXXX .... 

XXXX XXXX XXXX .... 

XXXX XXXX XXXX .... 

XXXX XXXX XXXX ... 

XXXX  XXXX .... 

XXXX XXXX XXXX XXXX ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
I called sagestream llc NUMEROUS times as well as faxed, and certify mailed them my personal information regarding disputing negative information on my report that does NOT belong to me as well as getting a security freeze and I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Today, XX/XX/XXXX, I tried to place a freeze on my account with Experion. I completed their online form completely, including social security number, birthdate, address, full name etc. After each on several tries their response was that the information was insufficient and I would need to mail the request along with copies of a drivers license and utility bill. I have had excellent credit for 50 years and the social and birthdate have remained the same over those years. Both XXXX and XXXX   responded to my freeze request promptly. 
My conclusion is that Experion is intentionally discouraging the use of this freeze feature, possibly to promote their credit lock product. They should be reprimanded for that and provide the proper response.

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 2019-10-11 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: Credit Bureau of Carbon County
State: CO

Complaint narrative:
I submitted a dispute on XXXX with certified mail tracking numbers requesting a company called collection center of WY remove a claim for a collection action on my report on XX/XX/19. I had mailed a certified letter tracking number XXXX which collection center of WY had received by never responded to my request. Within 10 minutes the collection center of WY was removed from my credit score. 

On XXXX collection center of WY refiled the collection notice. I disputed again because I have not received ANY PROOF OF DEBT. XXXX investigated the dispute and claimed they recieved proof of debt. I called XXXX and XXXX refuses to show me proof of debt. 

I feel this is fraud and a scam on the collection center of WY and XXXX because there has be NO PROOF sent to me to verify the debt and I request help in having XXXX  remove this from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/XXXX, The XXXX XXXX XXXX called my home phone number and threatened me with a lawsuit. I called XXXX and spoke to XXXX XXXX XXXX. HE TOLD ME THAT XXXX XXXX CLAIMS THAT I OWE {$1300.00} SINCE XXXX. I FILED CHAPTER XXXX BANKRUPTCY IN XXXX AND ALL MY DEBTS WERE DISCHARGED. XXXX XXXX TOLD ME THAT MY XXXX WOULD BE TAKEN FROM ME IF I DIDN'T AGREE TO PAY {$500.00}. I RECORDED THE ENTIRE CONVERSATION SO I HAVE PROOF OF EVERYTHING. I AGREED TO PAY {$250.00} IN XXXX AND XXXX BECAUSE I WAS AFRAID A LIEN WOULD BE PLACED ON MY CAR. I DON'T OWE THIS DEBT BUT I WAS AFRAID OF THIS FAST TALKING MAN.

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 2019-10-11 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: MOHELA
State: VA

Complaint narrative:
I'm XX/XX/XXXX Mohela and XXXX. XXXX XXXX XXXX spoke with the Unites State Bankruptcy Court regarding his student loan debt being discharge in his bankruptcy after proper notice was sent to the Department of Education. 

The clerk of the court inform Mohela and XXXX. XXXX that the debt was discharge and that the department of education was a given notice of the bankruptcy discharge order concerning the amount in the attached document in schedule F. 

The department of education didn't file a objective or appear in court regarding the debt and due to XXXX. XXXX hardship due to his former employee going bankruptcy the student loan was included in the amount listed in docket entry number 12 which is the chapter XXXX trustee report of the amount that was discharge. 

Mohela hasn't review the court bankruptcy petition nor has reach out to the department of education general counsel to verify the debt under the fair credit report act. 

XXXX. XXXX has spoken with multiple employee at the clerk office and was told that the department of education was given notice of the bankruptcy discharge of the debt in schedule F. 

Due to XXXX. XXXX race Mohela has signed a document stated that they need court document which are included in pacer.gov which they can review. 

Mohela can also reach out to the chapter XXXX trustee regarding XXXX. XXXX hardship in connection with documents entry 12. 

XXXX a employee from mohela was on the phone at all time when the clerk information her and XXXX. XXXX that the debt was discharge and notice was given to the department of education who didn't file an objective. Therefore no adversary proceeding was need when the credit did show up or object to the debt As a matter of face the department of education has given XXXX. XXXX permission to amend his complaint to include Mohela as a defendant. This consent was given by the United States Attorney General XXXX XXXX.See XXXX XXXX v. new york state higher education services corp., 831 f.2d 395 ( 2d cir. 1987 ) regarding hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Please see the complaint attached along with written request dated XX/XX/2019 to PHH and supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: GA

Complaint narrative:
I have accout on my credit report thats not mines

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 2019-10-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
Flagstar Bank is my current mortgage bank. On XX/XX/2019 and again on XX/XX/2019, Flagstar Bank charged me a {$30.00} fee after a proposed new mortgage lender asked for a payoff amount on my current mortgage. The two proposed mortgage lenders were XXXX XXXX XXXX and XXXX XXXX. I never agreed to these fees, and I do not think it was proper for Flagstar Bank to charge me with these fees. I contacted Flagstar Bank about these charges ; I asked for these fees to be removed ; Flagstar Bank refused my request. I propose that a fair outcome would be for these fees to be dropped, assuming this was even legal. I think this was unethical at best.

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 2019-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
On XX/XX/2019, I submitted complaint number XXXX to the CFPB. In the last 6 months, I've sent 2 letters ( certified mail ) to Receivables Performance asking for debt validation for a debt they're claiming that I owe. This account is NOT mine, and I requested validation twice. They have not sent me ANYTHING back. The debt collector replied to complaint number XXXX and in their reply, Receivables Performance said this - " RPMs business records indicate a prior validation request as well as the documents being received from XXXX. It is unclear if the documents were sent to the consumer ''. They admitted they don't know if they actually ever sent anything to me. This is a violation of the Fair Debt Collection Practices Act and they need to remove the account from my credit reports immediately. They said in their reply that they would cease further attempts to collect on the debt, but they are continuing to report this erroneous account on my credit reports. This account is NOT mine and the debt collector NEVER sent me anything when asked to validate the account, and they admit they have no proof they ever sent me anything. I demand that they remove this account from my credit reports.

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 2019-10-11 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: MI

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a joint checking account with my girlfriend with Simple. She also has another personal account with Simple. She requested paper checks on her personal account. 
The checks were sent. The checks were not received. She reported that they were not received. Simple sent a notice that she must contact them within a week ( I think ). She responded to this message online. She did not respond ( via phone ) to this message within the time frame. They did not call her about this. They closed here personal account. They also closed our joint account. They are going to mail the funds in the form of a check, once the interest due is calculated and paid out. This won't happen until XX/XX/XXXX. Her money, and our joint money, is locked up for nearly a month! They refused to open another account to prevent the joint account from being closed. They refused to send a check for the current balance now, and with the interest later. They refused to let either of us talk to a manager. We are in the middle of a refinance our our home mortgage, and we were going to use these funds for this, so the refinance will not be able to proceed. They way all of this was handled by Simple is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This account is being reported inaccurately on my credit report. I see repetitive late marks and invalid date of last activity which is a violation. 

This is being reported with repetitive CO marks and the date of last activity in invalid, XXXX  shows XX/XX/2018, XXXX  shows XX/XX/2018 and XXXX  shows XX/XX/2018. All 3 dates should be the same!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Home Point Financial Corporation
State: IN

Complaint narrative:
XXXX of 2019 's mortgage was paid with XX/XX/2019 's mortgage, occurring in a late payment. However, we had previously talked about this payment arrangement with HomePoint Financial ( mortgage company ) and they were aware of this occurring prior too. When speaking with HomePoint they assured me because my account was in good standing and this was a direct result of my service in the military, that the late fee would be waived and we would not be penalized. However, it was still reported to my credit after I was assured that it would not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I asked for the documentation from the start of the alleged debt and the company has refused to provide it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DISCOVER FIN SVCS LLC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: CT

Complaint narrative:
As stated in prior complaints against Avant Credit/XXXX   the terms of loan were not disclosed at time of approval including interest rate. Several payments were made and have ceased when contract was emailed to me showing rate, which I dispute and have been disputing for several years now. Avant claims I selected the loan amount as well as terms which is not correct, the amount, {$6800.00} was the only amount offered and no terms such as interest rate were selected either. The last payment was made in 2015, Avant has been reporting the account 180 days past due when last payment was made well over 180 days, this is an attempt to get me to pay the loan and also harm my credit score. The bank claims to have screen shots showing the rate/terms, none of which they have shown or proven. Additionally, the application was done electronically and nothing signed, my signature is not on any documents showing I agreed to any terms. Having said that and the fact we are not able to resolve the issue, I request Avant to close the account and send it to collections, I will work with whichever collection agency they refer account to

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: MI

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL

Complaint narrative:
This company refused payment according to the contract it was breeched i no longer owe this debt under the federal fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This account is being reported. I see repetitive CO marks and invalid date of last activity, XXXX shows XX/XX/XXXX, XXXX   XX/XX/XXXX and XXXX XX/XX/XXXX. This is a clear violation of the FCRA.

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 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I opened an HSBC master card account and did a balance transfer online from another credit card to this card. As soon as the balance transfer was complete HSBC charged me a 4 % balance transfer fee that amounted to {$190.00} I had no idea I was goin to be charged. 
When I complained they said that the fee is disclosed! I can assure you if I knew there was 4 % fee I would never have done this transaction and I told them if the fee is disclosed it is definitely not in plain site it is definitely hidden and not in plain site at all! 
They said they would credit the fee back as one time courtesy that was on XX/XX/2019 it is now XX/XX/XXXX and the fee is still not credited back. I have called 5 times since and they keep telling me ... tomorrow then Tuesday then Friday then on Friday they say by the end of the business day and they will call me back or a supervisor will call me back and that never happens. I think HSBC is a very dishonest company and how they are handling this is absolutely outrageous! I want my fee back and then I am closing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IN

Complaint narrative:
On XX/XX/2019, I mailed a certified letter to Merchants Credit Guide Co to request additional information for verification of debt, including an indication of my responsibility to the said debt ( signed contract and/or promissory note ) amongst other personally identifiable information and my relationship with the said creditor. On XX/XX/19, I received a printed itemized statement of charges ; none of which identified my responsibility to pay. I do not owe this debt and I have not received anything from the collection agency that would convince me that the debt is valid or belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation