vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Integrated Recovery Services
State: MI

Complaint narrative:
XXXX from Integrated XXXX keeps leaving voice mails on my home, work as well as main work lines. With some nonsense about needing a statement and failure tomprovide will result in " expedited verification of employment ... -and liquid assets - and prosecuted to the full extent of the law ''. The voice mail is ended I 'm " you have been warned ''. This needs to stop! It is invasion of privacy for receptionist to have this information as well as to have several calls daily. This bogus company needs to shut down their XXXX collections practices. I have no idea what it is for. I have nothing in writing. I have asked them to stop all calls to my job and my phone, family and ex members I do not even know. I 've asked that they send everything they have through the mail as I have nothing from this company and will not deal will such behavior over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Apple Law Group, Inc.
State: NY

Complaint narrative:
I entered a Debt Settlement Program under the umbrella of Apple Law Group approximately 3 years ago and recently recieved a statement declaring the accountt had been " resolved '', after this company withdrawing a certain amount for over 3 years. I was suddenly told there was a statue of limitations with this particular bank because the main branch was based in Maryland, and there would not be funds withdrawn any longer ; the amount withdrawn came out to approximately XXXX U.S. dollars. Now the bank is trying to sue my ex-husband, who has nothing to do with this. And I repeatedly asked them to remove his name from the account. I am a victim of a scam and fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Dear Citizens Bank I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In my letter to the Citizens Bank I request physical proof of verification, while providing proof of my identity. I still have not been provided any documentation with merit alongside my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. 

The guidelines provided by FCRA are clear. This shows that Citizens Bank is violating my rights under this law. I sent out a certified letters to Citizens Bank and have tracked delivery confirmation that they received my letter. 

I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint next with the Attorney General 's office, should you continue in your non-compliance. 

1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors XXXX, XXXX, XXXX. 

Appreciatively, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My husband died on XX/XX/2017. I called Navient and talked to a very nice young man who gave me a deferment until XX/XX/XXXX and said I should complete the Income Based Reduction forms to lower my payment. I did as he asked and my payment went up {$57.00} to {$650.00} and change. I called and talked to XXXX. She said I had no options. I said I have paid every payment for 10 years and all I was asking was for four months of no payments so I could figure out my finances. Her direct quote was " You need to prioritize your finances '' I asked for a supervisor and I waited forever and finally hung up. I contacted Navient by email and received forms back with condolences and that over the years I had used up my deferments and forbearances and if I tried to get an income sensitive there is no guarantee that my payment would go up even more. I bring home {$XXXX} every two weeks after taxes, insurance, union dues, etc. But my gross is XXXX which is what they are going by All I was asking for was four months. It is disgusting that they could n't see their way to do that. I did was I was asked to do by XXXX and was punished for compiling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R J Baucum Enterprises, Inc.
State: MD

Complaint narrative:
A representative from ESA ( XXXX XXXX ) continues to contact me at my home and mobile in regards to a debt that they have failed to verify. They are stating that they will arrest me and take other legal proceedings. I am assuming that they fail to verify this debt because they is no verifiable debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Under the fcra section 611 i am allowed to request and receive documents that was received in determining that a debt is in fact valid. I contacted XXXX and was denied what was requested. I was told by a rep that they send somethi g to the agency reporting this debt and in return they say yes or no this is or isnt valid. I asked on several occasions to be sent MOV [ method of validation ] and i was denied. Their response is they have no idea if the debt is actually valid because everything is automated and they dont require them to send anything to validate the debts. There are collections and a closed account that i am unaware of. The closed account has my address being an address that is not even listed on my report. I have put a fraud alert on my report. Along with a statement that i have know knowledge of these accounts. I would like for the credit bureau to send me MOV within 15 days of this complaint or be in violation of my rights. Please delete unverified accounts on my report. I have been reinvestigating this matter for months. Without any information that i am requesting. I have been tild to contact the creditor which in fact i can get the info with a contract between me and the creditor or what was used to verify the debt from the bureau

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 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They will not remove the BK even though it is n't mine and I 've provided information that proves this fact. I also provided the information directly to them from the clerk of court that the court system does not use a full social security number to identify cases. This information is incorrect and by law should be removed.

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported by TransUnion, for a " Bankruptcy. '' I sent XXXX, ( who TransUnion reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. TransUnion received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. TransUnion did not provide me with any competent verification of this " Bankruptcy '' bearing my signature.

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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have not applied for no credit cards and there is some on my report. Also on the medical issue oin 2016 was suppose to be insured

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to get this state tax lien removed from my credit profile but the credit agency does not want to remove it. Therefore, I request the assistance of the Consumer Financial Protection Bureau to help resolve this issue as it has hurt my ability to obtain credit.

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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are multiple inquiries, that i did not authorize on my credit profile. I disputed with Transunion and they are stating my info is factual, and i need to contact creditor. I contacted creditor and they in turn removed but its still showing on my credit report.Please remove the following inquiries off my report, they are not my inquiries. 
XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX Credit Union XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX XX/XX/XXXX Department & Variety Stores

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 2017-04-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I had a medical bill with a company named XXXX XXXX in XXXX of XXXX. The bill was not paid in a timely manner so it was sent to a collection agency called Choice Recovery in XXXX of XXXX. Within 30 days after Choice Recovery received the bill it was reported to my credit report on XXXX XXXX, XXXX. I contacted XXXX in XXXX of XXXX and asked if I could pay the bill off. The employee informed me that it was at a collection agency and that I had to contact them. I told her that my bill was with XXXX and not the collection agency. She refused to take a payment over the phone. I asked if I sent a money order in to XXXX to pay the bill off what would she do? She informed me that she would refuse the payment and send me the money order back. I waited several months before mailing a money order to XXXX to pay this debt off and they cashed it. I contacted the collection agency in XXXX and told them what I had done. 
I never paid the collection agency so why are they able to report to my credit report? 
Initially Choice Recovery reported a balance of {$130.00} and {$9.00} to my credit report. Now the collection agency is reporting a {$9.00} and {$6.00} remaining balance when there was a money order sent to XXXX for {$130.00} because that is what was on the bill. 
How can a collection agency report to my credit when they were not the ones that was paid? 
I have attached a copy of the bill, the money order and the information from the bank showing that XXXX was the one who cashed the money order. 
If you have any questions please contact me by mail at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX or by phone XXXX or by email at XXXXXXXXXXXX. 
Thanks in advance for helping with this situation. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I was behind by over a year in payments and was not even aware this had happened. I called Navient to explain to them that I was unable to pay what they were wanting every month and if I had any options in lowering the payment or even a forebearance. I was hung up on. 

I tried again a month later and the best they could do is a temporary forebearance. So I took it. Now my income driven plan is ending so I called to discuss renewing it. I make the same amount of money as last year and was told that I was n't eligible and again I was hung up on. With XXXX dependents with major health issues and a stagnant income I ca n't afford full payments. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: OK

Complaint narrative:
I requested a loan for {$1000.00} from mobiloans My payments are all similar. Auto draft of {$150.00} and {$45.00} applied to loan balance {$100.00} applied to advance/fees. So the two payments equivalent to {$300.00} that come out each each month only {$90.00} of that goes to my account balance. I have a few times had to request funds because I did n't realize it would be twice a month but was sure I had gotten myself in a mess and would just have to keep trying to get through it until I got it paid off. I went through all of my statements and I have paid {$4700.00} to them since XXXX2015. My total fees charged total in {$2400.00} and my current balance is {$1000.00} with a payment due of {$260.00} and {$170.00} of that is fees. I feel this debt has been more than enough taken care of. I was advised by several people to close my bank account and try to find relief of this debt. I do n't feel I owe this company anymore money they have received back what they loaned to me and then some.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HAWAIIAN, INC.
State: VA

Complaint narrative:
This is a complaint against First Hawaiian Bank for its grossly incompetent management of its supposedly new and improved website. I 've been a customer since approximately 2003, and I have never had problems with my account as bad as I have in the last few months with the roll-out of the new site. 

Tonight, I spent one hour trying very hard to access my account online and then trying to transfer funds. Along the way, I made two phone calls to FHB Online where I spoke with a total of four representatives. Not one of them had even the slightest clue of how badly the site was performing. Specifically, every time I tried to perform ANY operation, the site automatically displayed an error message. When I tried to make an external transfer FHB Online stopped the attempted transaction and said it would send a code to my phone for verification. But FHB never called my phone -- even after an hour. The broken system did nearly the same thing when I tried to ( re ) add my XXXX account as an external account. FHB displayed a message that my XXXX account credentials were invalid. ( Yet these were the same credentials that I have been using on my XXXX account for years. So there was nothing wrong with my XXXX online ID, password, or pin. ) But far and away, the very worst issue was my truly sad experience with " XXXX '' in the Online Banking Department. ( She said it was bank policy to refuse to provide her last name or even an employee number. ) Despite the incredible amount of time XXXX and I spent on the phone with her asking me the same questions over-and-over again, she could not understand that the FHB site was not performing as she expected it to. For example, she insisted there would be a blue arrow in front of my name. After asking me about this three times, I refused to answer the same question anymore. I had enough with the FHB site and its employees who were deeply in the dark about the site 's issues. 

There is obviously something seriously wrong with the FHB website. It is not performing adequately. While I was on the phone with FHB, I had absolutely no problem accessing my XXXX and XXXX accounts. So the issue is not my connection -- and hopefully not even my XXXX browser. Clearly my access to funds through the site is blocked. But I am far more concerned with FHB 's employees ' inability to troubleshoot, assist, or even acknowledge something is wrong.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The bank claims I made a {$1900.00} purchase at XXXX in XXXX using my chip card. I live in XXXX but recently visited XXXX and XXXX on business. Two things occurred leading up to this fraudulent purchase. My bank sent me an E-Mail stating they are sending the debit card I requested. At the same time, someone had my home mail forwarded to an address in XXXX. I did not request either. 
The bank claims the purchase was made with the chip card in a XXXX ready machine. The card has never been out of my possession except for the occasional use when you hand it to a store employee to swipe. And that is what they do, swipe the card. I do not ever recall handing to someone who inserted it. 
If the chip card was used in a XXXX ready machine, how was it processed in XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Clay Chapman Iwamura Pulice & Nervell
State: HI

Complaint narrative:
Someone who identified himself as XXXX, who conveyed, and stated that he was at this illegal, and unjustified foreclosure sale yesterday dated XX/XX/XXXX at XXXX p.m. XXXX Standard Time at the XXXX located at XXXX, XXXX, Go to First Attachment, on behalf of XXXX XXXX XXXX and had the audacity to make a illegitimate bid for {$450000.00}, after he, and the commissioner XXXX # XXXX was properly notified, and informed about the Notice of XXXX that has been filed, and on record with the United States, State of XXXX, Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX, which is over a year ago. 
Go to Second Attachment. 
XXXX, XXXX is also listed as one of the Defendants in the active Quiet Title Civil Action Case. 
Go to XXXX Attachment. 
XXXX made an illegal, and unjustified bid, as XXXX was told, as well as the commissioner that XXXX XXXX XXXX is not a bona fide purchaser, and everything they were doing was documented, with other witnesses watching, and observing in the same vicinity as they were, and this will get reported to all who oversee this kinds of criminal activities, and witnesses are ready, willing, XXXX able to provide affidavits of everything that happened, and transpired at this illegal, and unjustified foreclosure sale. 
The Plaintiff, XXXX and XXXX, Wife and Husband, as XXXX XXXX XXXX XXXX, XXXX XXXX Simple owners singular marital entity holds legal title to said in XXXX property.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has reported a mortgage/collection account on my credit report which is the only thing stopping me from getting a VA home loan. On XX/XX/2017, I sent XXXX XXXX a letter asking them to provide a Chain of Title proving that they even own a debt that I am liable for and have the right to report it on my credit report. They responded to my request on XX/XX/2017 and were not able to furnish a Chain of Title and therefore were not able to prove they own any debt of which I am obligated to pay. Upon the receipt of their response, I immediately sent their letter in its entirely along with my own letter to the credit agencies demanding that they remove this mortgage/collection account from my credit report. I actually sent two letters, one on XX/XX/XXXX and one on XX/XX/XXXX. In that letter I stated that due to the fact that XXXX XXXX could not establish a document that stated that they owned anything of which I was liable, that this needed to be immediately deleted from my credit report and if not it was in violation under the Fair Credit Reporting Act. I received my results from the credit agencies within the 30 days, and though they deleted the activity contained in the XXXX XXXX account, the account still remains on my report as a collection and has not been deleted, which is still the only thing preventing me from obtaining my loan.

Company response to consumer: Closed with explanation