vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax credit reporting agency is merging my brother  XXXX   XXXX  Personal information with mine we do not live together and never have i have asked them to remove it and they have but then  XXXX  keeps adding it on there. I have also sent over several documentation for them to remove information on my account such as previous employers, addresses, and name that i have never used. I have sent over certified documents they received  XXXX   XXXX  to validate 2 accounts that do not belong to me yet they are reporting it to my credit report and also  6  inquires i have asked for them to remove. Equifax is violating the FCRA act and they are not validating accounts they are just adding them to my account without proper authoriztion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: NJ

Complaint narrative:
AFNI has knowing and wrongfully placed a collection account on my credit reports with  XXXX  and  XXXX   XXXX  that does not belong to me, they continual to harass me for my personal identification information and threaten to take further action against me for a debt I know nothing about.     I have not entered into any type of legal or binding contract with  AFNI  nor have I subscribed to or received any services from them. The identifying information which was provided to me by  one of there collection agent does not belong to me and are not mines and I never have resided in the State, City  or address which the agent also provided. The information and account are bogus in nature and deliberately and wrongfully placed on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has allowed this account to be listed twice.

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 2017-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Concentric Receivables Management, Ltd.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax have re-inserted an Item that was deleted almost a year ago. per FRCA,  the CB 's  did not inform me within the 5 days of re-insertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Riverwalk Financial Corporation
State: CA

Complaint narrative:
Never received a letter, bill, or phone call from listed original creditor: XXXX    XXXX   XXXX   XXXX   XXXX . Yet this morning  XXXX / XXXX /  XXXX     XXXX   XXXX   alreted me that a new account was placed on my report. I check it out and I have a new deb collection fro m Deville Mgmt.  it states original open date is  XXXX    XXXX  . I never conducted business or have ever heard of  XXXX    XXXX   XXXX    XXXX  in  XXXX    XXXX  . This is a fraudulent company, name, and there is no contact info for this original creditor. furthermore deville mgmt. did n't send correspondence neither, they just reported this on my credit and ruined it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My student loans are managed b y Navient. A year or two ago, I spoke with customer service representatives and I was informed that I would receive at least 30 days notice from Navient should the interest rates on my student loans change. I did not receive any notification, not an email, a letter or any flag on my account when I checked my account online. One loan changed from 5 % to 6.875 %. I believe this is not a transparent way to conduct business. It feels as though Navient hopes consumers would not  notice because the student loan balance is so high. I expect some type of notification whenever my account is changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Chrysalis Holdings LLC
State: OH

Complaint narrative:
As a  XXXX  veteran, I applied for a mortgage loan through NewDayUSA for a property my wife and I have been renting for 5 years. From the very start, I was suspicious, because he asked me my race. When he ran my credit, he said it was n't sufficient after giving me my scores, which were  XXXX ,  XXXX , and  XXXX . I know this to be inaccurate, which I expressed to him. So, from there the harassment began ... I was constantly faxing the same documents over and over again to him. During the process, I had to prove my wife pays  XXXX  of our  XXXX  car notes. I provided proof she does, and had been for  XXXX , not to mention  XXXX  consecutive months of payments. All the payments were current!! ... with none being late 30 days or more. Truthfully, she would split some of the payments up, but it would all be in the same month. In addition, we had to submit her bank statements, showing the money was coming out her account. They also wanted us to contact the lender, and get a transaction history to sent to them. Please keep in mind, when they ran my credit, it shows the loan to be current, because my name is on the car loan. The purchase price of the home loan is {$60000.00} and my monthly income is {$3800.00}, so I was just FLOORED when he called me on  X/XX/2017    and said ... '' we 're unable to move forward with the loan ''. After meeting ALL the requirements, this is a slap in the face. I say this, because the underwriter 's reason for the loan disapproval was, my wife might stop paying the car note for some reason. THIS IS LUDICROUS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to file yet another grievance against Equifax for failing to remove  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX  from my reports. I have been repeatidily disputing that is showing false and outdated information on my credit profile. Equifax is absolutely harming my financial life and have refused to acknowledge that they continue to re-age an account that is supposed to have been removed from my credit profile 2 years ago. This account updates as current and even late though the account has been closed for over 7 years. I have not had a lease with this company and it shows that i have many many lates incurred even though this car was returned o ver seven year s ago. As a matter of fact up until a few weeks ago it was  STILL re porting as an active account.     This account is incorrect and false information is being displayed to creditors and this is damaging my career.     I have proof that neither  XXXX  nor   XXXX   were able to get a hole of this company. ALSO I have filed many CFPB complaints against  XXXX   XXXX  and I have even called the numbers provided and i have received NO RESPONSE. My concern is what type of scam Equifax is running on people who dispute items because  HOW ar e they verifying this? it is false and impossible to confirm. They have had " IN PROGRESS '' next to my dispute since  XXXX   XXXX ,  XXXX !  Enough is  enough. this is not an accurate tradeline, it contains wrong information and it is displayed with negative remarks. I have lost credit over this and I am absolutely on the verge of suing them and    XXXX   XXXX   . The addresses are wrong the numbers are wrong ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Eastern Management Group LLC
State: UT

Complaint narrative:
A complaint was filed by me against  Eastern Management Group  on  XXXX / XXXX /  XXXX  , which was received by the company, investigated, substantiated, and resolution is noted by the company. The employee had been terminated as part of resolution, and a cease and desist was in place as of  XXXX / XXXX /  XXXX  , per "  XXXX  '' at  Eastern Management Group o n  XXXX / XXXX /  XXXX  , as I had to call them after they contacted my mother about this matter, see the documents provided, on  XXXX / XXXX /  XXXX   around noon AFTER a cease and desist had been noted on the file on  XXXX / XXXX /  XXXX  . The employee at  XXXX   XXXX   XXXX  validated for me, on a recorded line, that this should NOT have happened, and all contact should have ceased on  XXXX / XXXX /  XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Professional Finance Company, Inc.
State: WY

Complaint narrative:
My husband and son, who have same name, both had procedures done about the same time at a  XXXX  center in  XXXX   XXXX , Co. I was making payments to them and believed I had made last payment just before received a notice from PFC in   XXXX  . I thought they cro ssed in the mail. For four y ears did not hear a thing, then received a collection notice with an extra {$100.00} dollars attached to it. Yes we did owe the original bill, but I believe this to be an under handed tactic to attach more money to the bill to wait four years to attempt to make contact. Our address and contact information never changed. Maybe barely within the law, but very shady. Should not be allowed to do business this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This dispute is against Chase Bank. It reports a charge off to my personal account for a business credit card opened by me on behalf of a business called Be   XXXX   XXXX   XXXX   approximately  XXXX  years ago.     This business credit card was opened as a business account by a business banker. He opened a savings and checking account for the business first, then asked if I wanted to open a business credit card. I consented. At NO time did he ever state to me that while this was a business account, that I would be personally responsible for payment of this account. Further he never showed me an application stating such. In fact, he did the entire application process on line, on his computer, facing him. I never saw any information, I was never given any information and I c ertainly NEVER signed anything stating that I would assume personal responsibility for this business account. I would NEVER have opened the Visa Card account had I known that I would be personally responsible for the debt of the business.      This banker clearly made a mistake by not having me sign anything. It is not for me to prove that I did not receive any information, it is for Chase Bank to prove that I did receive information and that I did sign an application stating that I would assume personal responsibility. They can NOT prove that I did because I did not sign anything. Interestingly, just yesterday I received a letter from  Chase Executive Office stating that their position remains the same, that I am  personally responsible and it attached a  16  page copy of the application I should have received, but did NOT receive. Not at the time with this banker, and not ever. This is clearly   Chase 's error, one for which I should not and can not be made personally responsible just because Chase says it 's their policy.
I find it very difficult to believe that the process is : I filed a complaint with    TransUnion about the  Chase post,   XXXX  goes back to the wrongdoer,  Chase, and asks them to reconsider, Chase says no, a nd that 's it. So  XXXX  reports harmful, damaging and costly information without recourse or responsibility? You ca n't possibly hide behind the shield of " Chase told us NO so it 's a NO '' and " We are only the reporting service ''.     I   want this post removed from my credit report immediately. It does not belong there. This was a business account, not a personal one. Chase ca n't force this on me just because they want to or their policy says so. They have to prove that I assumed responsibility and I did NOT.
Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I h ad 2 o riginal loans totaling {$43000.00}. I have paid {$55000.00} to date and my current balance for these loans is {$50000.00}. I know that there is interest associated with any loan, but I believe something is not right here. At my current repayment rate of {$460.00} per month, these loans will be paid off in  XXXX  of  XXXX , which is in 15 years. If my current repayment rate continues, I will have paid an additional  XXXX  for a total of {$130000.00}, or over 3 times the amount of my original loans. In addition, I will be  XXXX   XXXX   XXXX  at that point and finally paying off my student loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
XXXX   XXXX   XXXX  changed the terms of a joint loan after my divorce and martial settlement agreement with ex-spouse. This company is reporting a charge off and bad debit on my credit report. They settlement agreement was made only with  XXXX   XXXX  ( ex-spouse ) is solely responsible for the car loan and the only  one  in possession of the car. Attached are copies of my martial settlement agreement and divorce decree. I would like all  XXXX  credit bureaus to remove this bad debt. The original terms of the loan are now changed and I was not inform in writing or by phone.  XXXX  is solely responsible for the new contract and terms of this car loan.

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 2017-04-20 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC
State: SC

Complaint narrative:
The collection agency  Havard Collection,   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , Il  XXXX , called my house number asking for my father-in-law 3 times today. They called at  XXXX ,  XXXX , and  XXXX  each time it was the same gentleman with an extremely heavy  XXXX  accent I asked this person to remove my number since I am not my father-in-law. On the call at  XXXX  this gentleman raised his voice at me in an abusive aggressive manner telling me that if I am not my father-in-law I was to put him on the phone. I am female so I am clearly not him. I am aware that this gentleman called my father-in-law 's cell phone around  XXXX . During that conversation an  XXXX  gentleman demanded payment. My father-in-law told him that his bill from   XXXX   was a charity write off and asked him to send a bill. The gentleman refused demanding payment threatening him saying have you bothered to check your credit lately, he said no, the man said I think you should. This person attempted to call again around  XXXX . My father-in-law was with me describing what had happened earlier when the second attempt at contact within the same day happened. I called the number spoke with a man named  XXXX  who claimed to be the collection manager. After numerous attempts to get  a street  address to mail a letter of dispute he finally provided it.  XXXX  assured me that all calls would stop. I also explained that in   XXXX   he did not have insurance and was contacted by  XXXX   XXXX  about a charity write off of this debt.  XXXX  did provide me with the account reference number of  XXXX . This company has violated the FDCPA by attempting numerous contacts with my father-in-law within the same day and by harassing me with  XXXX  calls to my residence when I am not him. They are continuing to attempt to collect a debt that is not owed or should not be owed. I personally feel that the statement about thinking my father-in-law should check his credit report was a threatening tactic. My father-in-law is elderly, battling  XXXX , and just recently got on social security which has been expressed to this company numerous times today. My father-in-law also has  XXXX   XXXX   XXXX . The added  XXXX  of these abusive tactics is not good for his health.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: P.S.C., Inc
State: GA

Complaint narrative:
I 've been seeing an apartment for {$16000.00} on my credit report and I never lived at that location. I contacted the collection agency and told them about the inaccuracies and they basically told me they wo n't delete it. I called the original creditor and they are no longer in 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 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rent Recover, LLC
State: IL

Complaint narrative:
Rent Recover of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX ( XXXX ) XXXX We lived in XXXX at XXXX XXXX and the lease was up in XXXX XXXX. Now this is on collection has to be removed. On XXXX/XXXX/XXXX was certified check of {$1200.00} On XXXX/XXXX/XXXX another certified check of {$1600.00} On XXXX/XXXX/XXXX another certified check of {$1000.00} On XXXX/XXXX/XXXX another check of {$110.00} Total amount was given of {$4000.00} case was dropped in court. We moved in the beginning of XXXX XXXX there charging us XXXX XXXX XXXX and XXXX which we no longer lived in the apartment complex when I tried talking to management I was treated very rude and disrespectful.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Golden State Collections LLC
State: IL

Complaint narrative:
I am being  XXXX  hit on my credit report from this account - State Collections and also the judgement/ I called State collections and talked to    XXXX   XXXX   on   XXXX   17   @  XXXX  and she said " We only collect the payment and the judgement is a different thing and that it wont only come off or only be seen by one hit unless its paid in full ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I used the  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . Where the ambulance was sent to was not my address. They claim to have sent bills to this address which only 2 initial bills were received. I then called this provider to give my insurance information and address. This provider never changed my contact information. After my insurance denied to cover this provider 's claim because they submitted the claim too late ( which I had no knowledge of ),  XXXX   XXXX  never attempted to contact me about the balance due. They sent me to  Penn Credit Corp c ollections in  XXXX  without my knowledge . Penn Credit Corp never attempted to contact me to collect my debt. They only way I found this out is due to the fact I check my credit score every month and last month it dropped dramatically. I then called Penn Credit Corp, gave them the correct address and they told me they will resend the bill information to my correct address so I can have proof and dispute it with them, my insurance, etc. I have yet to receive anything from this debit collector and it has been two months since I have contacted them. They will not provide me wit h any physical documentation of my debit. Giving me no chance to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation