vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: F.H. Cann & Associates, Inc.
State: MN

Complaint narrative:
F.H. Cann and Associates, representing XXXX, falsely claims they have not received a letter dated XX/XX/2019 requesting validation of alleged student loan debt in the amount of {$9800.00}. They are now unfairly attempting to proceed with a wage garnishment as of a letter dated XX/XX/2019, and have not validated the debt as requested. 

As of writing this, I am mailing a second request for validation of debt to F.H. Cann. This is also the 5th request for validation that has been sent to a collections agency in less than 1 year regarding XXXX. The first four were to XXXX XXXX XXXX and the request for validation has never been satisfied. F.H. Cann, XXXX XXXX XXXX and XXXX have demonstrated blatant disregard for the Fair Debt Collection Practices Act and legal action on my behalf is being considered. 

F.H. Cann and Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX & XXXX XXXX We have had many issues on this short sale file that need to be addressed. Please be aware that we have already spoken to the VA about this file : 1 ) Documents sent to the negotiator XXXX XXXX XXXX at her request have been sent multiple times and have disappeared and have needed to be resent. Does Navy Fed not have a document management system for its loss mitigation purposes? 

2 ) Requests made once the NOV was returned on the property ( we will discuss the issues with getting the VA appraiser into the house later ) seem to be outside of VA guidelines and include : a ) Cutting the commission to 5 % ( we have confirmed with the VA that this request was not made by them and a 6 % commission is within their guidelines. 
b ) Removing the seller side title insurance from the estimate -- - also NOT a VA guideline c ) Removing the Natural Hazard Disclosure fee ( which is required by the State of California that the seller provide for the sale ) NOT a VA guideline. 

3 ) We have never been able to get ahold of the negotiator, nor has anyone in your front end. Now we know that this can happen when file loads are high, but when the VA appraisal was ordered and we showed up to let the appraiser in someone had changed the locks. We called Navy Fed with the appraiser present and was told that XXXX would contact the VA and find out who went out as no sticker or notice was placed on the property. Two weeks went by with us continually calling into Navy Fed asking who had gone out there to change the locks and we were continually told that the negotiator was following up with the VA to find out -- - we have been told that that never happened. To add injury to insult, we received a call from Navy Fed asking us if the appraiser had gotten in a week into this ordeal when I asked if anyone had read the notes or contacted the VA I was hit with silence. In the end, we, not Navy Fed, were able to track down the third party vendor hired even though the vendor had not labelled the property. 

I would like to know the following. 1 ) Why are documents being lost multiple times 2 ) Why on a VA loan are guidelines not being following ( is Navy Fed reporting to the VA that those funds were charged against the NET and then keeping the money? It may sound crazy but both XXXX and XXXX XXXX tried similar schemes and were caught ) 3 ) Why no communication? If your employees dont have time to work the files, just tell us you are backed up. Please dont lie to us about making calls to investors that never happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Syncb National Credit Cards/Airlines has made 2 hard inquiries on my credit. 
1 is from XXXX XXXX the other XXXX XXXX. I have not applied for credit anywhere on these dates. I need these removed from my inquiries. I already have credit cards & I do not fly anywhere.

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 2019-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
XXXX XXXX XXXX is attempting to collect debt through Midwest recovery systems for a payday loan that is more than 8 yrs old. Sold collection to another company and have failed to notify me in writing. Collection placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: NC

Complaint narrative:
On XX/XX/2019 I spoke with XXXX XXXX billing department and they confirmed that they did not have a balance of {$1000.00} with my name nor social security number in their system.

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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted XXXX XXXX about 2 months ago, in late XX/XX/2019, to dispute fraudulent charges on both of my credit card accounts and had reported to them that about a year ago, my identity had been stolen. I spoke to a representative and explained that I was only able to see less than a year 's charges on my account, but, I wanted to dispute the charges that I was able to see at the time and that I would call back after this investigation to request help in viewing the rest of the account that I could not view. I spent about 45 minutes on the telephone with the representative, while she asked me questions and took down the information for my dispute -that included the vendors, dates, and amounts. She stated that the investigation would take about 30 days and that XXXX may contact me regarding further questions, if needed ; and that I should hear back from them. I did not hear back from XXXX XXXX within those 30 days, except one email on XX/XX/2019 stating that they received my complaint ( but it was for only one account which ended in XXXX. The email did not have any mentions of the other account ending in XXXX. I contacted XXXX XXXX a second time, in XX/XX/2019, asking about the results and the representative stated that she would cancel the cards on the account, but without stating the results of the investigation. I contacted XXXX XXXX a third time, on XX/XX/2019, regarding update for the investigation, stating that I have not heard anything from them regarding the investigation. I was transferred to 3 different representatives, all of whom stated that there was no documentation in their system of my investigation, or that I had disputed any charges. One supervisor, name " XXXX '', whom was very professional and helpful, apologized that this had happened and stated that I put in another dispute of the charges and this time ask for the fraud department, once I gather the information again. XXXX XXXX handled my dispute of the fraudulent charges unprofessionally, never documenting that I put in a dispute, even after the representative had me on the telephone for over 45 minutes -supposedly documenting my dispute of the charges. XXXX XXXX is aware that my identity had been stolen and still not properly handle my dispute of fraudulent charges in a professional and resolvable way, leaving the charges on my account and having me pay monthly for charges that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX about 2 months ago, in late XX/XX/2019, to dispute fraudulent charges on both of my credit card accounts and had reported to them that about a year ago, my identity had been stolen. I spoke to a representative and explained that I was only able to see less than a year 's charges on my account, but, I wanted to dispute the charges that I was able to see at the time and that I would call back after this investigation to request help in viewing the rest of the account that I could not view. I spent about 45 minutes on the telephone with the representative, while she asked me questions and took down the information for my dispute -that included the vendors, dates, and amounts. She stated that the investigation would take about 30 days and that XXXX may contact me regarding further questions, if needed ; and that I should hear back from them. I did not hear back from XXXX XXXX within those 30 days, except one email on XX/XX/2019 stating that they received my complaint ( but it was for only one account which ended in XXXX. The email did not have any mentions of the other account ending in XXXX. I contacted XXXX XXXX a second time, in XX/XX/2019, asking about the results and the representative stated that she would cancel the cards on the account, but without stating the results of the investigation. I contacted XXXX XXXX a third time, on XX/XX/2019, regarding update for the investigation, stating that I have not heard anything from them regarding the investigation. I was transferred to 3 different representatives, all of whom stated that there was no documentation in their system of my investigation, or that I had disputed any charges. One supervisor, name " XXXX '', whom was very professional and helpful, apologized that this had happened and stated that I put in another dispute of the charges and this time ask for the fraud department, once I gather the information again. XXXX XXXX handled my dispute of the fraudulent charges unprofessionally, never documenting that I put in a dispute, even after the representative had me on the telephone for over 45 minutes -supposedly documenting my dispute of the charges. XXXX XXXX is aware that my identity had been stolen and still not properly handle my dispute of fraudulent charges in a professional and resolvable way, leaving the charges on my account and having me pay monthly for charges that I do not owe.

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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have contacted transunion 5 or 6 different times and I am fed up. I sent them my FTC report I also sent in other letters I also sent them id to verify whom u was. they actually was on a call with me last week for almost a hour from me complaining because instead fixing what Ive sent to them they accidentally deleted information on my report that was legit that I NEVER once asked them to. The rep even got back on the one and said how sorry he was because he can see that I NEVER DID ask them to delete the inquirie that they did and he was sorry but their mistake could have ruined a good standing account for me because of THEIR mistake. I have sent my ftc report and letter endless to them. I have contacted police but they told me without a name cant do anything to contact credit reporters which I have. XXXX  and XXXX both have been great but trans union havent done nothing with what I have sent them. I would like for them to process my FTC REPORT AND delete the inaccurate information I have listed AND ONLY the information I have listed on ftc report and not make any more mistake and they are not giving me my rights and asked me for my FTC report I sent it and now they have done nothing. I have for the last two or so months been trying to get transunion to help me with this and I have sent all paperwork to them and my ftc report a few different times and still NOTHING HAS BEEN done and they even responded to my last complaint that it would be done and still has not followed my rights and followed threw on their response to do as they said and this is information that is inaccurate and not mine and needs to be DELETED

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 2019-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Lending Services LLC
State: TX

Complaint narrative:
On XX/XX/2019 at XXXX XXXX  CST, I received a phone call from phone number XXXX-XXXX-XXXX. The lady said she was with I think " Global Locating Services '' and she was looking for XXXX XXXX. I told her that I do not know a XXXX XXXX and she then said that she would " pass this information over to her fraud department as falsified credit information. '' Her tone was very rude and I feel this type of language was not necessary. I don't see the need for her comment after I said that I did not know this person. She should have just said thank you and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted both Experian and XXXX and I have asked both companies to remove the fraud alert from my credit file. I have sent letters to XXXX and Experian along with the written request to remove the fraud alerts totally from my credit report, and in those letters I have included my driver 's license, a bill and a copy of my social security card, with the request and neither of them have removed the fraud alert from my credit report and it has been more than 30 days and neither of them have even responded to my request, and I have sent certified correspondence to both XXXX and Experian so that I could prove they received and signed for the package including my request and they have not contacted me back after 30 days in anyway. 

The problem that I am having is that I am not being allowed to open bank accounts, credit cards that I do want because the companies state to me they will not establish these accounts until the fraud alert is removed in its entirety so this is preventing me from being able to conduct any personal financial business.

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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I understand that you are Very Busy people there at Transunion and I would Like to thank you kindly for getting me the disputes update dated for XX/XX/XXXX I still disagree with your finding on I believe that you are not conducting full investigation at your location. per the FCRA I have the right to asked you your method Of verification and I exercising my right under the FCRA. per the ftc you must tell me and Provide Physical proof I will be traveling for work off and On and I do asked if you could respond with the method of verification Cfpb site with your document and what have you! Alright XXXX XXXX  XXXX XXXX on page 7 OF 8 dated XX/XX/XXXX I need to know the name and Phone number of who you spoke with employee Id and company address. I need for you to send me Transcript of you sending XXXX XXXX the dispute information and the time and date they responded back to you and what information was sent. The reason I asked you for this information Look at the status update. If you would have conducted a proper investigation the date should have changed to the Month of XXXX and the Year XXXX Transunion you think people are XXXX! Also I will need you to obtain a copy of my check that XXXX me a cancel check and the date that I paid this balance off also I ask you to please also obtain a copy of the check that this company cash on XX/XX/XXXX If you are unable to send any of the information asked for This will be considered an unverified account! Recap transcript of your sending to the creditor vice versa copy of my check that this bank cash on XX/XX/XXXX copy of the check that was used to pay off this charge off! 
name and Phone number who you spoke with and employee Id number also a credit application that was used to open this account again please respond via this site as I will be out of the country. you have 15 days to obtain this information I will be waiting! also You Guys do XXXX reporting look at the File there is not even the original creditor name or account number attached to the report this is a violation of the FCRA You guys are in such a hurry that your work looks like XXXX. But anyway 15 days I will be awaiting your 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 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2019 I noticed there was a fraudulent charge on my personal Discover Credit Card. I reported this fraud to Discover on XX/XX/2019. On XX/XX/2019 I noticed that my Discover card balance was - {$3100.00} and that there had been several years of fraudulent charges on my Discover Card. I called Discover and asked about these funds. They confirmed it was from the fraud. On XX/XX/XXXX I called to see if I could get the funds sent to my personal checking account. They took my account number and told me I'd have the funds in 10-14 business days. After 14 business days, I called them and told them I hadn't received the funds. They said they were sorry, it was because it takes 90 days to investigate the fraud. I told them, that's not what you told me 14 business days ago and I was already planning on a family vacation and was going to use those funds. I then called back 5 days later and was told that they'd closed the fraud investigation and took my banking information again to release the funds. I waited until today, XX/XX/2019, which was 14 business days from when they told me my funds would be in my account. They're still not there and now their fraud department is telling me I won't have the funds for 90 days until the investigation is over. These are my funds and they've consistently lied to me. I want my money, I also want paid for my time spent on the phone and the vacations and trips I had to forgo because they lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently pulled my credit report and i have a number of inquiries on my Experian credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights.

I have added a fraud alert on my account, police report and FTC Identity theft report was submitted prior in reference to these inquiries. during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. 

I would like these fraudulent inquiries deleted from my credit file immediately XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/

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 2019-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted both XXXX  and Equifax and I have asked both companies to remove the fraud alert from my credit file. I have sent letters to Equifax and XXXX   along with the written request to remove the fraud alerts totally from my credit report, and in those letters I have included my driver 's license, a bill and a copy of my social security card, with the request and neither of them have removed the fraud alert from my credit report and it has been more than 30 days and neither of them have even responded to my request, and I have sent certified correspondence to both Equifax and XXXX so that I could prove they received and signed for the package including my request and they have not contacted me back after 30 days in anyway. 

The problem that I am having is that I am not being allowed to open bank accounts, credit cards that I do want because the companies state to me they will not establish these accounts until the fraud alert is removed in its entirety so this is preventing me from being able to conduct any personal financial business.

Company response to consumer: Closed with explanation