vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 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: NV

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX UTAH 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 2019-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I called last year in XXXX to try to lower my payments. I was told that they couldnt lower my payments. They offered me {$15.00} cheaper but my interest rate would be higher and it will add 2 more years to pay it off. I told them that it was too high and that is insane to pay {$15.00} less and have 2 more years added to pay that off so I stuck with the higher payment but shorter year. I also told them I was in school so do I get a forebearance because of it. They said no. I felt like no one tried to help and they were going to make me pay no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I pulled my credit reports and saw where IC SYSTEMS had inserted an account on my file. I have never received any correspondence from this company. They have not been in compliance and this is a violation of the FCRA and FDCPA

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 2019-02-28 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft.XXXX XXXX IN THE AMOUNT OF {$540.00}. XXXX XXXX IN THE AMOUNT OF {$540.00} XXXX IN THE AMOUNT OF {$170.00} XXXXXXXX XXXX IN THE AMOUNT OF {$1000.00} XXXX XXXX IN THE AMOUNT OF {$570.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED EXPERIAN MORE THAN ONCE THAN THESE ACCOUNTS DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE.

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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I send over several dispute letters re : XXXX wring late payments. XXXX is reporting that I made a few late payment back in XXXX and XXXX. I asked XXXX to fix this situation over and over again because it is causing my credit report to be in the negative status. XXXX is reporting that I am 90 late without being 30 late 1st on my credit report. How can you be 90 days late without being 30 days late? This a clearly a 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 2019-02-28 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: Harvard Collections, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft.HARVARD COLLECTION IN THE AMOUNT OF {$540.00}. XXXX XXXX IN THE AMOUNT OF {$540.00} XXXX IN THE AMOUNT OF {$170.00} XXXX XXXX  IN THE AMOUNT OF {$1000.00} XXXX XXXX IN THE AMOUNT OF {$570.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED XXXX MORE THAN ONCE THAN THESE ACCOUNTS DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I send over several dispute letters re : XXXX wring late payments. XXXX is reporting that I made a few late payment back in XX/XX/XXXX and XX/XX/XXXX. I asked XXXX to fix this situation over and over again because it is causing my credit report to be in the negative status. XXXX is reporting that I am 90 late without being 30 late 1st on my credit report. How can you be 90 days late without being 30 days late? This a clearly a 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 non-monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
Pulled my credit reports and saw an entry from ENHANCED RECOVERY that I was never notified about. 

Please see credit report regarding inserted entry. 

They have not been in compliance and this is a violation of the FCRA and the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: MD

Complaint narrative:
I an filling this request in reference to account # XXXX placed by XXXX XXXX XXXX , also known as IRS FCU. This was a checking account, and not a revolving account. The account is reporting failure to pay on a one ( 1 ) month term, there was no term, or any agreement to make monthly payment. This false, misleading, and misrepresentation of payment history to report late or failure to pay on a monthly term. Under the FDCPA, and FCRA all information furnished by creditor should be completely accurate. This incorrect reporting has hurt my credit worthiness sinceXX/XX/2016. The account has been paid in full and should be deleted from my credit file.

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 2019-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have been paying my mortgage lender Quicken Loans on the same date since the inception of my loan via automatic withdrawal Suddenly two months ago XXXX my bill for my loan reflects that I owe two payments and I am one full payment behind. The loan service representative assured me I do not owe two payments. She then stated that quicken loans changed the date that they process the bill and therefore your bill will always appear as over due. This is unacceptable to me as Ivhave never payed payments out of the grace period. And although the bill do not show that later payment fees are due. But it states I owe two payments. After seeing how the banks and lenders previously took everyones homes during the mortgage crisis about 10 years ago ... I am concerned about predatoryvaggessive collection set up whereby it would reflect if someone such as myself fell behind in one paymentbit would show I was behind And owing 3 payments. You should look in to this. Is it legal to change the condition of a loan such as the payment processing date so people are two months behind in payments? I am going to contact legislators to inform them of my serious concerns. Please respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
When I pulled my credit report on XX/XX/XXXX due to being denied credit The transunion company report states that they VERIFIED IN XX/XX/XXXX my employment on three employers I HAVE BEEN ON XXXX SINCE MY car accident in XX/XX/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 2019-02-28 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: Riverwalk Financial Corporation
State: IL

Complaint narrative:
I received information from another company I do business with that they were lowering a few account limits to include one company which closed my account because I had a new derogatory mark on my report placed there by XXXX XXXX XXXX which is located in XXXX, Tx I didn't even know who this company was. So I waited a while and never received anything from them after a week I looked my report up through XXXX XXXX and got reminded during that time I have a collection against me from this company so I looked up the company and tried to call to which my phone call never went through the next morning I emailed them asking for validation of this debt they claim I owe them to date I still have never received anything which was requested more than a month ago so tonight I went and looked them up via the internet to find information stating they are a part of some scheme and has been closed by the FBI being worried by this information I now know I was correct with not recognizing this company I read as much information as possible to include finding out they aren't even registered with the state of Illinois by not being currently registered with the Secretary of State to conduct business within the state I live in ... So why can a company who practices illegally ( morally and physically ) put a collection against me without proving to me that this debt is mine even after requests I'm so confused and angry about this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Solutions Group, LLC
State: CA

Complaint narrative:
I received a letter from Recovery Solutions Group , LLC on the second week of XXXX trying to collect a debt addressed to XXXX and XXXX ( letter enclosed ) for the amount of {$4700.00} for the services rendered by XXXX XXXX XXXX XXXX for the Company ( XXXX XXXX, LLC ) entity # XXXX registration date XX/XX/XXXX and is still active. XXXX XXXX is the agent and president, jurisdiction is California and address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX.This business is a single location in southern California . I ignored the letter thinking it must be a mistake. XX/XX/XXXX I received a phone call From XXXX XXXX ( Legal Coordinator ) for Recovery Solutions and she left a message regarding a debt and file # XXXX so I called her back and inquired about the call. She said I owe her client XXXX the above amount because I worked for XXXX XXXX XXXX entity # XXXX. I explained to her that there must be a mixed up and mistake since XXXX went out of business in XXXX and California Secretary of State suspended its permit and I have been retired since then. She asked if there is a relationship between companies and I said no, she asked if I know those people and I said no, but she did not believe me and mailed another letter to me and the lawyers ( agent XXXX XXXX XXXX ) who processed XXXX 's business permit back in XXXX. What I'm trying to explain here is the two companies have no connection at all and that they ( Debt collector ) can not go after another company just because they have similar names even though there are proof of documentations to prove it or maybe their investigators did not do their due diligence properly. XXXX is also a single location business and was located in Northern California. Also the transaction in dispute between XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX transpired in XXXX which is very recent and in southern CA. I am enclosing supporting documents to prove that XXXX XXXX XXXX which is already out of business since XXXX has no connection whatsoever to XXXX XXXX, XXXX and that XXXX XXXX is the person they should be pursuing and XXXX XXXX, XXXX not XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was denied a checkings account with Chase due to " not able to verify identity ''. 

I'm on XXXX XXXX so I am not allowed to go anywhere to sign up for anything. So I must be able to utilize websites, emails, faxes, or postal mail. 

How do I send in my documents to verify my identity and get an account??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AES/PHEAA
State: PA

Complaint narrative:
None of my federal loans appear on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Capio Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX After viewing a copy of my report, I noticed a collection placed on my credit report from capio Partners LLC on XX/XX/2019. I requested that they allowed me to validate the alleged debt because I was unaware of any outstanding medical bills that I possessed and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I was assumed to owe. I asked them to send me validation via certified mail to my address which was provided asking that they provide the following. 

Please provide breakdown of fees including collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

I was replied with a password protected email from Capio Partners LLC. The email couldnt be accessed and Im not really sure why they sent an email when I asked for any corespondents to respond via certified mail. I contacted the company again upon researching that they are not rightfully bonded in the state of Texas. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

Since they not only incerted a collection on my report without validation or making me aware of the alleged debt but they violated Texas law by collecting debts in the state of Texas and not being bonded by the secretary of State.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and BMW FINANCIAL SERVICES with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

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 2019-02-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX   only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/XXXX I requested a loan modification on my home loan due to lose in income due to been laid off from my job and due to being victim of a real estate scam ( currently being investigated by the Massachusetts Attorney Generals Office ). I completed the modification packet provided by USBank Home Mortgage and faxed all requested documents as well as emailed them to Loss Mitigation department for review on XX/XX/XXXX. I followed up on XX/XX/XXXX and I was informed that I needed to submit prove of my mothers social security benefits as well as her monthly bank statements for the last three months which I submitted on XX/XX/XXXX. I followed up again in XX/XX/XXXX and at that time I was told that they had not received my documents and that I needed to resubmit the entire package and documentation again. I resubmitted everything again that same day. By XX/XX/XXXX, I had yet to hear from them regarding my application, so I called them to find the status. To my surprise they informed that my house was scheduled to be auctioned on XX/XX/XXXX and that I was out of time to submit the modification package since we were 6 days away from the auction date and that the deadline to submit the package is 7 business days prior to the auction date. I said that I had already submitted the package back in XX/XX/XXXX and again in XX/XX/XXXX. After waiting on the phone for more than an hour, a supervisor came on the phone and told me that they have the application, but I had to wait for them to review it. I asked if they will not postpone the action since my application has not been reviewed, and their answer was that I had to wait for them to review the application first and then they will make a determination. I asked again if they will have a determination before the auction date, and the answer was they didnt know. I said to them how can they have an auction on my house while my application has not yet been reviewed to which the only answer was you need to call every day and just check. 
As you can see, I did not receive an answer to the question I posed to the supervisor at USBank. How can USBank auction my house while in the process of reviewing my application for a loan modification? I need assistance postponing the auction on my house scheduled for Tuesday, XX/XX/XXXX. I am a single mother of a minor child who lives with me fulltime as well as my mother who is XXXX years old.

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 2019-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late four times. There was definitely an error on their part. I was never four times 30 days late.

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