vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 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: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
XXXX reported my information for a fraudulent account to a credit collection agency without confirming that the account was valid. The information is now showing up on at least on credit reporting bureau. After contacting XXXX and confirming that they do not have any credible information on file including my social security number, they refuse to assist in contacting the collection agency or removing the information from my credit file. 

In XXXX of this year I noticed a derogatory reporting on my credit report from XXXX via a collection agency. After contacting XXXX and verifying that there is not an account that matches my information, they will not remove the information 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 2020-02-27 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: NY

Complaint narrative:
The accounts and inquires listed on FTC report I had nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: NY

Complaint narrative:
The accounts and inquires listed on FTC report I had nothing to do with.

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
These charges listed below on my bill have been contested : $ XXXX-charged on my debit card-never showed on the account.

$ XXXX-charged on my Lowes account-no explanation $ XXXX-added for my fence after it was in progress $ XXXX-my estimate for roofing materials-could be more, could be less {$1800.00} more or less is the amount I contested.

We talked with a manager right after the work was complete in XX/XX/2019 and I had questions about the charges and my roofing materials. I gave him pictures and detailed information. He said someone would be in contact with us soon. That never happened.

I paid everything else I owed in XX/XX/XXXX plus {$300.00} and sent in a complaint through Synchrony Bank. They said I needed to go to the store. That did not address my concerns as I had already notified the store Synchrony bank continued to add fees and interest throughout and reporting delinquency to credit reporting agencies in violation of the Fair Credit Reporting Act.

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 monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended and graduated from the school in XX/XX/XXXX. I have nothing against the intructors or the corriculum, just against the false pay after graduation and the high interest loans that were so easy to get and required.

My personal problem was that i was an addict and did not touch these loans for almost a decade. Since getting into programs and getting back into society for 2 years i have made it my primary goal to pay debt and get credit and savings to the point of being able to afford to buy a home for my XXXX year old boy and i to call home. 
After contacting my creditor Naviant i was put on a year long probation period by making monthly payments of low cost but impact on principal or interest to my federal loans ( roughly {$16000.00} from original $ XXXX-mostly private ). 1 year later i am thinking that my getting back on track on my federal but Naviant calls and says that they accidently forwarded my payment to my private loans. What?? I thought Naviant was only working my federal. so apparently the fixed the problem and i was back on track. Now I was told that I had to start chipping away at my Private loans which was another 3rd party ( XXXX XXXX XXXX  ). 
Long story short, they Like Naviant said they were very glad i was clean and they were excited to help me get back on feet with my credit. They even offered a settlement for my {$190000.00} debt ( originally XXXX ) for {$20000.00}, which i probably would of done if I could of found a buyer for my XXXX organs. Lucky me, I didn't. 
My interaction with XXXX XXXX XXXX  started this year in early XX/XX/XXXX and lucky for me this was when I also started school after 15 years of leaving college for this culinary school. This school ( XXXX XXXX XXXX XXXX ) i found out more about fixing credit. This is a non profit school where XXXX ( counselor ) took interest in my case since she new that XXXX XXXX XXXX had been closed in multiple states by Attorney Generals. Also the school had closed most of its schools around the world for only giving fraudulent loans and overselling the cost of school as well as making it almost impossible for repayment while working in the trade we were in debt for. 
After searching, we found out that the school had currently settled 2 years prior and agreed to repay loans and erase negative impact to credit bureaus.

I currently am still paying federal since it is now on my credit report and i still plan on buying a home. But I do not plan on doing the same mistake with my private loans even with all the calls they do since there are no signs of them in my credit report.

Well I hope i can get help, or at least direction of where I should go for help.

Thank you, Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX I got laid off from my job that I had been working at for 18 years, I called my Mortgage Company which is M & T bank and notified them of this and they told they would send me out a modification package. I called a company that deals with FHA housing to help that I got from M & T bank and I started the modifications packet through the hardship housing company called the Neighborhood Project Foreclosure Prevention Program , M & T bank would not let this the company come in and help they kept stating that they wasnt getting the authorization form from the company and it had been faxed to them 4 times with a confirmation saying that it was received by M & T bank. So I had continuously to keep working with them giving them every form or information they needed from. Than they sends me a denial letter stating that Im not enough months behind on my Mortgage so they cant approve my modification I applied for. I was told this over the phone as well on XX/XX/2020 with a manager in the mortgage department. This makes no sense to me that you would deny someone who has got laid off from work and only owes XXXX on there house and only have 2 plus years left to pay. Why would you deny anyone whos asking for help while there in a crises. They put it of on FHA saying it was FHA that denied the modification because I wasnt enough months behind on my Mortgage. I dont know what is the truth at this point. This is the far most worse Mortgaging Company I have ever seen and I owned a house before I became home owner of this house. I wish I can just get some type of help. I dont wan na loose my home. This company doesnt care. All they do is be very rude with you and have no compassion for homeowners. Why would you deny someone of a home modification because their not enough months behind M & T bank?

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 2020-02-27 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:
Experian, XXXX, and XXXX  are all reporting an account that is incorrect and has been for afew years now.. They all refuse to provide proof the account is mine and was 30 days late. the account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone XXXX account # XXXX They are reporting 30days late on XX/XX/XXXX.. When contacting XXXX they have no record of this account. also number listed above as a contact is disconnected. 
I have disputed this account on XX/XX/XXXX and XX/XX/XXXX and once again the didn't do anything or provide any proof this account is accurate.. I now am demanding all three credit bureaus remove this account unless they can provide written proof this account is mine and I was in fact late. Otherwise I will be forced to pursue further legal action since this account negatively affects me getting another house.

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 2020-02-27 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:
Ive been pretty consistent with paying my bills on time. Im saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see some items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and I have also contacted my police here and the FTC.

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 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is refusing to unfreeze my credit report. When I contact them they state I need a pin number but won't tell me how to get the pin number. When I asked them who I would file a complaint with they just hung up on me. This happened repeatedly.

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 2020-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: OK

Complaint narrative:
My mortgage expert told me to file a complaint with the CFPB because they will not give me a specific person who handles my account and they keep asking for the same information over and over again so they can stall and take my home from me. 

Midland Mortgage, XXXX XXXX XXXX XXXX OK XXXX Loan # 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 2020-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Ive disputed this account three times and was told my number was used to open account when they should have called me directly due to information on credit requesting such. As my identity has been stolen. Account was closed and reopened to additional charges

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 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Today we had a scheduled appointment that we made on Tuesday, with PHH Mortgage today XX/XX/XXXX @ XXXX. They did not keep the appointment, they did not call us concerning the account status, we have been trying to workout a solution with PHH. 
When we called PHH after they did not call us we called PHH and the first person we spoke to after the verification the computer froze and then they passed the call to another person. This person tried I was put on hold at least 6 times and each time he came back with no information. We are very nervous because the homeowner is a senior citizen in her XXXX 's and the sale date is XX/XX/XXXX. Then we asked about the person who was assigned to this file and why we did not receive a call for the scheduled appointment, then the agent stated that they called but no one answered, not true, we waited with the phone line clear for the call. Since the Customer Relationship Manager for the file did not call and was not available why was no one else in the entire company of PHH, able to talk to us and give us some information on the file. The answer was no one could discuss the account except the assigned Customer Relationship Manager. We have tried all day and still no one can give us any information with a pending sale date for XX/XX/XXXX. 

I asked for the supervisor and they could not get me the Supervisor for the Customer Relationship Manger assigned to the account. In other words PHH has refused to cooperate or give us any information about the account. 
Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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:
XXXX, Transunion, and XXXX  are all reporting an account that is incorrect and has been for afew years now.. They all refuse to provide proof the account is mine and was 30 days late. the account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone XXXX account # XXXX They are reporting 30days late on XX/XX/XXXX.. When contacting XXXX they have no record of this account. also number listed above as a contact is disconnected. 
I have disputed this account on XX/XX/XXXX and XX/XX/XXXX and once again the didn't do anything or provide any proof this account is accurate.. I now am demanding all three credit bureaus remove this account unless they can provide written proof this account is mine and I was in fact late. Otherwise I will be forced to pursue further legal action since this account negatively affects me getting another house.

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 2020-02-27 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:
XXXX, XXXX, and Equifax are all reporting an account that is incorrect and has been for afew years now.. They all refuse to provide proof the account is mine and was 30 days late. the account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone XXXX account # XXXX They are reporting 30days late on XX/XX/XXXX.. When contacting XXXX they have no record of this account. also number listed above as a contact is disconnected. 
I have disputed this account on XX/XX/XXXX and XX/XX/XXXX and once again the didn't do anything or provide any proof this account is accurate.. I now am demanding all three credit bureaus remove this account unless they can provide written proof this account is mine and I was in fact late. Otherwise I will be forced to pursue further legal action since this account negatively affects me getting another house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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:
Ive been pretty consistent with paying my bills on time. Im saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see some items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and I have also contacted my police here and the FTC.

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 2020-02-27 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:
Ive been pretty consistent with paying my bills on time. Im saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see some items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and I have also contacted my police here and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I receive my credit report on XX/XX/2019, for {$150.00} from this collections company Medicredit Inc., I do  not owe this debt and want it removed from my reports immediately.

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 2020-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
Recieved letter from BSI Financial dated XX/XX/XXXX stating my flood insurance amount {$100000.00} does not meet the requirements of the company. they acquired the loan on XX/XX/XXXX from XXXX XXXX.. the mortgage amount is approx {$96000.00}. I called FEMA they give me the regulation that the minimum amount of flood insurance is the lesser of the value of the house or the mortgage or the value of the property. clearly would be the {$100000.00}. BSI told me they could care less about the minimum, they require the maximum {$250000.00}. To me this is clearly an overreach by BSI Financial and not good business practice.and will cost me a lot of extra money each and every year. We have lived in this house 27 years and have never had any flood problems.Was placed in the flood plan in XXXX when FEMA needed a lot more property to pay for national coverage I have talked to BSI 3 times and have got the same response and attitude each time.BSI Financial stated that if I didn't get additional coverage within 45 days they have a plan in place to charge me {$750.00} per year for the additional coverage. Please look at this business practice of over requirement on flood insurance. Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid for an item through XXXX, the sender did not deliver the item. Then did not refund me. XXXX will not refund me. The bank will not refund me.

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 2020-02-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This account was removed and then re added back to credit. I dispute due to identity theft and was threatened with it showing bad on my report. Account is now closed and still report with excessive late payments

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 2020-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I made 6 payments to sallie mae/navient through money order. All 6 payments were cashed by sallie mae/navient, but never credited to my account. They put me into default for no payment for 270 days, even though I made 6 payments. I put my full name, address, and SSN on every money order. XXXX XXXX XXXX charged me over {$10000.00} in fees, and the US Government charged me {$22000.00} in default penalty. Had sallie mae/navient credited my account the payments, I would never have been put in default and charged {$30000.00} in penalties and fees. I was finally able to get somebody at sallie mae/navient to research my payments last year. They admitted they were never posted to my account and they refunded the 6 payments to me in 2019. What the US Government did to me is illegal.

Company response to consumer: Closed with explanation