vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted documentation proving that three items should be removed from my credit file. Experian and XXXX refuse to remove them and have stated that they were " verified as correct ''. The letters provided clearly show they should be removed. According to the Fair Reporting Act, they are not abiding by the law. These are XXXX XXXX for 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 non-monetary relief
Consumer complaint received 2019-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My loan company is Navient, and as we know already Navient has had some serious issues in the repayment aspect of student loan borrowers. Navient has only tried to contact me through my school email, never once sent anything to my home address ( as they legally should ) and never once contacted me on my phone. They actually stated on the phone call that they had my sisters number as a contact because they only reach out to those that may have contact with me, but she never had any loans through them. 
The only reason I finally reached out to them was because I take my credit score very seriously, and learned of " serious deliquences '' that happened to be from Navient. 
I have another loan company, XXXX, who has contacted me and sent information home, in writing, to help with every step of the way, from deferrment to repayment. 
I am not asking for loan forgiveness, but I believe that Navient purposely hid this loan from me in order to have my interest shoot up, and in turn hurt my credit score, which hurts my personal life all for their gain. 
Lastly, on the phone they pushed for me to go into forbearance as they had with many people in their case in order to help them gain money. 
I did so because it seemed to be my only option and it was before I read up on the case against the entire company. 
I would like the interest forgiven and for them to put my payments back into a constant payment plan, and I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: MO

Complaint narrative:
I was a victim of Identity theft. I submitted my documentation : ID verification in the form or Drivers License, Social Security Card, Utility Bill, a copy of my FTC Identity Theft Report, A copy of my City Police Report and the accounts listed that I did not Open or was responsible for. My Attorney made me aware of the 4 Business day requirements that the Bureaus must comply by when theft is involved so I sent next day Certified Mail and even enclosed a copy of that law from the FTC. XXXX was the only Bureau that complied with the legal requirements to block this information. They did it in One Business Day. I have continued to have problems with both XXXX and Experian during this whole Nightmare. They send delay messages saying " they need more time to investigate. '' I have my tracking information with dates they signed for my last round of disputes. I am requesting your help in filing Suite against both XXXX and Experian for failure to block this harmful information from my credit files and failing to comply with the law. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have tried telephone calls but they are routed to a call center in XXXX I believe and the language barrier is impossible for me to get any resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These are Fraudulent accounts that I have proven that have came back on my report. Please Remove immediately. My personal information was stolen as i stated before.These are 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 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These are Fraudulent accounts that I have proven that have came back on my report. Please Remove immediately. My personal information was stolen as i stated before.These are not mines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These are Fraudulent accounts that I have proven that have came back on my report. Please Remove immediately. My personal information was stolen as i stated before.These are 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 explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Group, Inc.
State: OR

Complaint narrative:
According to asset systems ( the debt collector ) I had gone to XXXX XXXX hospital back in XXXX. I honestly dont recall going bit apperently I was served papers in XXXX of XXXX for a garnishment suit. They explained that I was served at XXXX by a 3rd party carrier though no signature from myself was required. I attested that I never received anything from them. The debt amount in question is XXXX. 
A few days ago I received a letter in the mail stating that I was being garnished starting on XX/XX/XXXX. I checked my credit report and have never seen a bill on there for said amount. When I called them to find out about the debt I was told that I had given numerous excuses why I couldn't pay my debt. One such excuse was that I couldn't talk because I was driving. I am visually impaired and can not obtain a valid driver 's license. It felt like falsified information. After the agent was no help, I asked for the supervisor. I was told that my deadline to dispute the debt ended in XXXX. If I had actually heard from them in the past decade, I would have tried to fix any problems that arose, since I did not hear from them, I had no idea I even had a debt. It's clear that they spoke with someone, but it wasnt me. Up until a few days ago I had no idea the company even existed. I was also told that they would garnish me for 90 days BEFORE they would allow me to make payment arrangements. I had asked for the managers desk phone and the supervisor said that she would not be in until Thursday of this week. ( Yesterday ( I  left a voicemail requesting the original bill and have not received any correspondence from the manager. 

I just want to get to the bottom of this, if it's a fair debt I will pay it, but too many things dont add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
Collection Agency : ONLINE Information Services XXXX. XXXX XXXX XXXX, NC XXXX USA This is a medical debt collection. According to XXXX, medical debt collections are not to be reported until after 180 days. 

XX/XX/19 - Collection agency received account ( {$170.00} balance ). 
XX/XX/19 - Payment sent of {$50.00}. 
No communication, statements, anything from collection agency between XX/XX/19 and XX/XX/19. 
XX/XX/19 - Reported to credit bureau are unpaid. 
XX/XX/19 - Attempted to call and resolve without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
small charitable distribution withdrawals from large IRA at TIAA are rejected despite repetition on line and on phone and by email

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Today, XX/XX/2019, I attempted to perform several online disputes for account that were inaccurate, duplicates, or not mine. The company refused to perform the investigations, stating : They are not required to investigate previously disputed items. I also wrote several letters that were rejected because they were deemed fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Back in XX/XX/XXXX, I contacted XXXX cellphone insurance plan through XXXX XXXX XXXX for a replacement. I ordered an XXXX XXXX XXXX XXXX for a deductible of {$290.00} on XX/XX/XXXX and that phone never reached my door as the insurance adjuster intercepted that phone and it was sent back to warehouse. I called XXXX XXXX XXXX and XXXX together to get this issued resolved and so another XXXX was sent to me on XX/XX/XXXX and I received that one. 

On my billing for XX/XX/XXXX I see 2 charges on my XXXX XXXX XXXX bill and I called XXXX XXXX XXXX and they said that I had to call XXXX to resolve this. I called XXXX  and nothing was done to correct the issue. I called again in XX/XX/XXXX and wrote the name of the representative and said it would take 2 to 3 billiing cycles for a refund. But that never happened either. 

My XXXX XXXX XXXX bill was very wrong for 4 months because the overcharge was not refunded in a timely manner and XXXX XXXX XXXX closed my account and now I owe XXXX XXXX XXXX {$3900.00} in XX/XX/XXXX. I tried to make payment arrangements with XXXX XXXX XXXX but still with no refund I could not keep up being charge late fees for owing XXXX XXXX XXXX so I said I could not pay it and I let it go and went to a government paid subscription with XXXX as I owned my phone XXXX XXXX Active. 

I had my BCM ( Blended Case Manager ) XXXX help contact XXXX and she was taking notes from the call as I was speaking to them and I received an email from XXXX on XX/XX/XXXX that they have just refunded my XXXX XXXX XXXX account {$290.00} and I did not agree with that decision when they are guilty under law to refund the overcharge of an XXXX which I never received and now the account is in collections. I did contact XXXX  representative immediately after I received my bill. 

I have disputed the collection with Credence Resource Management , LLC and nothing is being done because now I am contacting CFPB for reporting XXXX   negligent to refund in a timely matter when it was their mistake when their insurance adjuster intercepted the first XXXX XXXX XXXX XXXX and I never received it. But yet XXXX billed XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I had signed up with XXXX XXXX XXXX BOGO in XX/XX/XXXX before my ending of my billing cycle. I was told by XXXX XXXX XXXX representative that I would start seeing credits for the BOGO in 2 to 3 billing cycles but never did. Once XXXX billed me for an XXXX XXXX XXXX XXXX on XX/XX/XXXX my bill was too high and wrong and XXXX XXXX XXXX never gave me the credits because XXXX  billed me wrongly and should be held responsible for my XXXX XXXX XXXX account collection. 

XXXX  XXXX XXXX XXXX XXXX, TN XXXX No Phone number All transactions done online through XXXX and XXXX I did receive an email from a representative and it is in the documents that I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL

Complaint narrative:
To Whom It Many Concern : XX/XX/2019, I sent a settlement payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the law office of XXXX XXXX XXXX/Tidewater Finance Company account. My attorney was told that once payment was received the settlement would be reported to all three credit bureaus. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Tidewater has reported the account is still charged off with a balance of {$10.00}, XXXX. The continual reporting the wrong information is continuing to hurt me and my husband 's credit. I have called Tidewater directly about this matter and was told it has been reported. The attorney on the case has been contacted by email by me on two occasions and my attorney on two occasions. It is now XX/XX/XXXX and all three credit bureaus does not have the correct information. 


.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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:
data breach caused the FTC violation fcra not know to me to the best of my knowledge XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I received several bills from XXXX XXXX  in XXXX. As the bills came in, it became confusing as to what was redundant and which was new. After paying several of their bills, I began getting correspondence from a collection agency ( XXXX XXXX of the city of XXXX, license # XXXX ), demanding payment of debt owed. As each demand arrived, I sent payment not sure if it was already paid or not. I began getting phone calls demanding payment as well. Today, I received my second notice of demand, asking for XXXX. No dollars, no cents. I ask them to stop sending me threatening letters and phone calls to no avail. Consumers should not be threatened with diminished credit for a debt that even the collector agrees is not owed. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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:
data breach caused the FTC violation fcra not know to me to the best of my knowledge XXXX XXXX XXXX XXXX accounts 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 2019-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
data breach caused the FTC violation fcra not know to me to the best of my knowledge XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: PR

Complaint narrative:
I have exhausted every way of communication with this company SageStream , LLC Consumer Office. I have tried everything for them to freeze ALL my reports including the distribution of my information to anyone without my permission or consent, and no response have been received from the fax I sent some days ago. Every time I call this company the phone lines are " busy '' even at non business hours which is an abuse from them because they handle so much sensitive information that I would want them to stop sending around. I really hope that the CFPB put an end to this company abuse on the people. They just don't care about us I can not believe that my dad a XXXX XXXX veteran fought for this ignorant companies to keep killing us from within. We say terrorist are criminals think again these credit companies are the real terrorist by holding hostage your information and affecting lives in the long term by not letting people progress financially. Now going back to my request I would also want this awful company to send me a full report of ALL the information they got on me including everything bonded with my social security, address, phone number, bank accounts information, public records I say again EVERYTHING THAT CAN BE CALLED INFORMATION and is bounded to me as a person I want to be sent to me. Also, I would want a copy of all the information they sent regarding me to other companies since XX/XX/XXXX, and a full disclosure of where they got this information when they got it and how they got it. And I expect all that to be done within 30 days starting this XX/XX/XXXX because Im taking this company to small claims court soon. Thanks for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On numerous dates they have accepted the Student Loan deferment, but for years they keep sending back the Student Loan forgiveness form to keep getting the Doctors signature. Such as the last date XX/XX/2019 is one of the dates they have sent back yet another notification. I had to send a fax and letter to my Doctor on XX/XX/2019 for the loan to be forgiven when the President Of The USA offered to forgive my Student Loans and setting any account free. I have two other people on the account on the Family Plan that I want to add and they have two separate last names, and I have them both as Co- Borrowers ; you may contact the  number of the first Co-Borrower as possible. Sent in good faith, and none delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quicken Loans charged me {$500.00} for a home appraisal. The home was not appraised. The loan I applied for was not approved or declined. They left it in limbo. I am a single mother of XXXX kids and can not afford to pay for things I do not receive. I would like help getting my {$500.00} back from Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC XXXX XXXX CA branch - XXXX is my premiere banker. She set up bank accounts and credit card account. Credit card, upon being issued, was duped or used by another entity resulting in unknown charges. Also, the issue of the card was brought to XXXX 's attention immediately in XX/XX/2019 and she said she would take care of it ... call the cc division and have a new card issued. 
New card issued but they transferred balance to new card even though the point was balance was not generated by consumer. 
Also, this resulted in negative credit report ( late reporting ). 
You can not access the account number to pay the bill regardless. There is no account number on the bill anywhere. When you call them, after providing security info, they want you to go to the branch every time to pay the bill. 
They were asked to handle the problem on XX/XX/XXXX and the branch manager promised to be get involved. Than he left for holiday and never followed up on the issue 44 days later. So now hopefully CFPB can get my credit report cleared up and I can have a functioning credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: KY

Complaint narrative:
After doing several disputes with Experian. I am still not getting the investigation that I asked for. By Experian not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to Experian asking for validation. The information was completely ignored by Experian. My Address is not XXXX XXXX XXXX. I ask that Experian do a complete investigation before reporting false 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 non-monetary relief