vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-14 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: Works & Lentz of Tulsa, Inc.
State: CO

Complaint narrative:
I SAW A NEGATIVE REPORT ON MY CREDIT FROM WORKS AND LENTZ AND I CALLED TO RESOLVE USING MY XXXX XXXX BUT THEY ARE SET UP AS AN ACCOUNTING OFFICE AND IT DIDNT GO THROUGH I THEN TRIED TO CALL CLIENT DIRECTLY AT XXXX XXXX BILLING OFFICE AND WAS CONFIRMED I OWED N O  BILL WHICH MADE SENSE BECAUSE I AM ON XXXX AND 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 2019-01-14 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The employment data reported on my Equifax, XXXX and XXXX XXXX credit report is inaccurate. I want the following accurate information reported and listed on my Equifax, XXXX   and XXXX XXXX credit report : Employer Name : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX Position : XXXX XXXX XXXX ( XXXX  ), Salary : {$300000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14 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: CA

Complaint narrative:
i've requested that Transunion remove an item on my credit report that does not belong to me. It has been posted from a collection agency. I requested they validate this debt as mine. They sent me a credit report showing it has been verified as accurate. But has provided no validation of this acct belonging to 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 2019-01-14 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: GA

Complaint narrative:
I have reported 5-8 negative items on my credit report that are incorrect and in violation of the FCRA several times. 
These are the dates I sent certified letters : XX/XX/18 XX/XX/18 XX/XX/18 XX/XX/18 I sent letters to each bureau Equifax, XXXX, and XXXX. I never received my results only a free copy of my credit report. I do have proof that letters were received by them. I also tried to delete a few addresses off of my XXXX   account and they refused. This is causing major issues in my personal life and need these items removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
XXXX XXXX/XXXX  as well as XXXX XXXX, and Select Portfolio Servicing, have not been forth coming with THEIR SIDE of the financials. Meaning for over 12 years my money was DISAPPEARING from my account. I made a complaint 10 years ago requesting this information through H.O.M.E, with no documents. I was advised to do a Chapter XXXX, I did and 2.5 years into the  Banckruptcy the lender LIED to my lawyer and my lawyer let them process a " stay '' not sure of the legal term, but it removed them from the bankruptcy. I have ALL DOCUMENTS and CAN PROVE, LENDER FRAUD, WIRE FRAUD, BANKRUPTCY FRAUD, and ESCROW FRAUD.I was not able to get the Lenders financials until I wrote up to the White House last XX/XX/2018. All of my money is gone. These financials ARE Correct as they show every month the banking charges but not my payments and I have every one THE ORIGINALS. I was told by S.P.S. that they were not able to get the financials as when XXXX. sold the note that only like years were sent. I find that very interesting because that is around the time I had stopped paying XXXX. When I could not qualify for the H.A.M.P. program I was told by the Lender that the Note Holder did not pertisapate. At, this point XXXX  gave me an in-house modification called CHAMP. This is another rip-off as they added XXXX changing my Original Note from XXXX to XXXX. They closed their account on the Credit reporting agency XXXX  as CLOSED-DEED IN LIEU OF ... I NEVER SIGNED ANYTHING!!! I took photos of the Notification I got from XXXX because of course they have lied on their last response back to you. Everything that they are saying are lies and I can PROVE EVERYTHING. Please Please help me, I am XXXX XXXX and I do not want to go through another year of this horrible treatment. Thank you, lets go get these guys once and for all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have sent a letter out more than once to Midland Funding via certified mail to not only this company but also to the Credit Bureaus verifying this debt. However, both parties listed as valid but have yet to respond with verification to say how did they come up with the verification process to even prove that I in fact owe this debt. This company which I have never had a credit card with not have I received goods from reported against my SSN in the amount of {$600.00} to XXXX, XXXX, and XXXX Credit reporting agencies. Considering, this business have not provided adequate proof I am not obligated to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a hard inquiry from XXXX XXXX. I pressed the wrong button and was applying for a XXXX card. This is a mistake. This hard inquiry has to be removed. XXXX stated they are reviewing the application so I cancelled the application. This inquiry was meant to be for XXXX, not XXXX. I explained there was issue with my phone and it went straight to XXXX instead of XXXX. I don't want that card even though I am approved or not.

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 2019-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WLCC
State: MS

Complaint narrative:
I filed bankruptcy in XX/XX/2018 and it was discharged XX/XX/2018. I explained this to this company but they still repeatedly calls me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The employment data reported on my XXXX, Experian and XXXX XXXX credit report is inaccurate. I want the following accurate information reported and listed on my XXXX, Experian and XXXX XXXX credit report : Employer Name : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX  ), Salary : {$300000.00}.

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 2019-01-14 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My XXXX Visa credit card account should not have a balance of {$3900.00}. Thats a incorrect balance. I should have a recent balance of {$0.00}. Please delete and permanently block the balance reported on my XXXX Visa credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: CO

Complaint narrative:
Between XXXX and XXXX, and on numerous occasions, I was pushed towards refinancing options that would have eliminated my rights as a federal student loan holder. 

Navient suggested that refinancing all my student loans to one " average rate '' would save me money, which is simply not true. I fortunately did not pursue this option, because I learned that I would no longer be eligible for forebearance or deferment of my loan. 

I feel the need to report this misleading practice because Navient may target other unsuspecting young individuals in a scummy attempt to line their pockets with more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Eight weeks ago I returned my XXXX BMW 328i car to BMW financial services for the end of lease. I had to pay {$8600.00} in excess mileage charges since the mileage on the lease was over 40,000 over the maximum allowed miles. ( BMW lease # XXXX ). 

I also own a XXXX BMW X3 which I purchased new, and used to drive to work every day. I average over 30,000 miles per year. 

I did not drive the XXXX BMW since last XXXX due to the fact that there were three unresolved recalls on this X3 which I thought would make it dangerous to drive 120 highway miles every day to work with another passenger in the car. Additionally, this model car had unreliable transfer gear box parts which made it even more dangerous to drive.As a result, I drove over 30,000 extra miles on the XXXX BMW 328i during XXXX and incurred over {$8000.00} fees in excess mileage. 

I request that BMW refund me the {$8600.00} in excess mileage fees that I paid to BMW Financial services due to the amount of time it took BMW to resolve these recall issues, making it dangerous to drive the X3.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX initiated foreclosure proceedings prior to the one year redemption following my mothers passing on XX/XX/XXXX. Prior to XXXX XXXX XXXX acquiring the loan in XX/XX/XXXX, the reverse mortgage was being serviced by XXXX XXXX. XXXX XXXX was notified of my mother 's death on XX/XX/XXXX which is the date the one year redemption period initiated. Quarterly updates were provided to XXXX XXXX and XXXX within the quarterly deadlines which I have attached for your review and validation. 

The dates below will outline the One Year Redemption Timeline and Quarterly Update Deadline Requirement ; XX/XX/XXXX- Date of Death XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- Quarterly Extension Request Deadline XX/XX/XXXX- One Year Redemption Expiration Below, please find the itemized breakdown of the actual written quarterly Extension Requests I provided to XXXX XXXX and/or XXXXXXXX ; XX/XX/XXXX- Date of Death of Mother XX/XX/XXXX- Written Quarterly Extension Request to XXXX XXXX XX/XX/XXXX- Copy of Listing Agreement and photos to XXXX XXXX. The Quarterly Extension request was also provided in this e-mail communication. Please note that XXXX XXXX stated that as long as the extension request is submitted on or anytime before the deadline extension would be sufficient. This is where the internal error occurred. 

XX/XX/XXXX- Written Quarterly Extension Request to XXXX XX/XX/XXXX- Request for Mortgage Statement/Welcome Letter When I received notification that foreclosure proceedings were initiated on XX/XX/XXXX via NOD, I immediately notified XXXX of the violation. Communication was established with supervisor XXXX, Rep ID # XXXX regarding this issue. Per XXXX, there was a final Quarterly Deadline Extension date of XX/XX/XXXX which is NOT legally correct and that they did not receive my final request until XX/XX/XXXX. It is my belief that when XXXX XXXX inserted my extension request into their mortgage system on XX/XX/XXXX prior to the transfer to XXXX, XXXX XXXX   placed the effective date of the extension of XX/XX/XXXX whereas it should have been for XX/XX/XXXX ( Actual deadline Date ). This is where the internal error occurred. By the associate entering the effective extension date of extension for XX/XX/XXXX, it reduced my one year redemption period to 11 months. 

To this date, nothing was resolved. Based on the timelines above, the soonest that XXXX would have been able to initiate foreclosure would have been on XX/XX/XXXX. I have attached all supporting documentation including all written extension requests that were submitted electronically ( e-mail ) to  both XXXX XXXX and XXXX. All supporting documentation has been provided to XXXX to no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: AZ

Complaint narrative:
I have worked for the county and or state for the past 10 years in front line positions in which I qualify for the loan forgiveness program. Every time I called Navient for assistance as I could not afford to pay my student loan, they would direct me to do a forbearance or deferment which I did ; however, I was never informed or given the option of the income based repayment plan nor told that this plams as opposed to a deferment or forbearance would count toward the loan forgiveness plan. I reached the 10 year mark for having my loans forgiven and was informed that due to not being on the right plan, I had another 8 years to go! This is unfair as I have worked jobs in which I am due and qualify to have my loan forgiven yet I jave bedn railroaded ans forced to pay longer. It's not fair & it's not my fault that they only gave me the options of deferment or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XX/XX/2019 Capital One Spark Business XXXX. XXXX XXXX XXXX, VA XXXX CEASE AND DESIST If you are represented by legal counsel, please direct this letter to your attorney immediately and have your attorney notify us of such representation. 

We are writing to notify you that XXXX XXXX, the person to whom you addressed your letter, is not and has never been associated with XXXX XXXX XXXX. Accordingly, you are hereby directed to CEASE AND DESIST SENDING CORRESPONDENCE TO XXXX XXXX AT XXXX  XXXX XXXX XXXX XXXX, CEO of the XXXX XXXX, is the sole owner of XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, TX  XXXX It has come to our attention that you have been sending letters to XXXX XXXX, who is not and has never been, associated with The XXXX XXXX. 

We demand that you immediately ( A ) cease and desist your unlawful use of someone else 's name associate with The XXXX XXXX and ( B ) provide us with prompt written assurance within ten ( 10 ) days that you will and desist from sending correspondence addressed to XXXX XXXX. 

If you do not comply with this and desist demand within this time period, XXXX XXXX is entitled to use your failure to comply as evidence of willful infringement and seek monetary damages and equitable relief. 

In the event you fail to meet this demand, please be advised that XXXX XXXX has asked us to communicate to you that it will contemplate pursuing all available legal remedies, including seeking monetary damages, injunctive relief, and an order that you pay court costs and attorneys fees. Your liability and exposure under such legal action could be considerable. 

Before taking these steps, however, XXXX XXXX, sole proprietor of XXXX XXXX XXXX, wished to give you one opportunity to discontinue your illegal conduct by complying with this demand within ten ( 10 ) days. If you or your attorney have any questions, please contact me directly. 

Sincerely, XXXX XXXX, CEO cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: AZ

Complaint narrative:
My XXXX Visa credit card account should not have a balance of {$3900.00}. Thats a incorrect balance. I should have a recent balance of {$0.00}. Please delete and permanently block the balance reported on my XXXX Visa credit card account.

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 2019-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
A collection account has shown up on my credit report which I have never received notice nor the ability to dispute. This is from Online Information Services. I have called several times and have still not received a statement from them. 

I see on the report that the original creditor is XXXX XXXX XXXX XXXX, I never received a bill or statement from them. I have done an internet search and can not find the correct company with my file. 

Online information services is not licensed to collect in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
I filed for bankruptcy, and the company has retaliated by blocking me from accessing my account. I am no longer able to check when payments are due, how much is due, tax information, payment history, or anything else. They refuse to send statements, so I can't get the information there either. Without having this information available, I am at risk of losing my home, and that is their whole purpose in denying me access to MY information. Contacting then numerous times has had no results. They are also violating Federal Bankruptcy laws by retaliating.

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 2019-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Today I tried to resolve and issue regarding a offer under the Amex blue card. At 1st they denied the claim due to not selecting the offer. No help, just you are denied and no reason other then telling me that the offer was never dated. I selected the offer saved the offer in the app. I had to request a supervisor and eventually the supervisor advised that outlet stores are not included in this deal. The small print of the outlet store is not clearly identified and is miss leading in the disclaimer. This should be clearly identified and its not. I purchased the items at the XXXX XXXX  XXXX   with the intent that I would receive this discount via the Amex blue card. I would have never purchased if the card wasnt going to reduce the bill by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reported 5-8 negative items on my credit report that are incorrect and in violation of the FCRA several times. 
These are the dates I sent certified letters : XX/XX/18 XX/XX/18 XX/XX/18 XX/XX/18 I sent letters to each bureau XXXX, XXXX, and Transunion. I never received my results only a free copy of my credit report. I do have proof that letters were received by them. I also tried to delete a few addresses off of my XXXX account and they refused. This is causing major issues in my personal life and need these items removed 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 2019-01-14 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: GA

Complaint narrative:
I have reported 5-8 negative items on my credit report that are incorrect and in violation of the FCRA several times. 
These are the dates I sent certified letters : XX/XX/18 XX/XX/18 XX/XX/18 XX/XX/18 I sent letters to each bureau XXXX, Experian, and XXXX. I never received my results only a free copy of my credit report. I do have proof that letters were received by them. I also tried to delete a few addresses off of my experian account and they refused. This is causing major issues in my personal life and need these items removed 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