vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On X/XX/2017 I reviewed my credit report on XXXX XXXX, make a long story short I realized there were multiple inquiries that I never authorized. I 've contacted the companies regarding this matter and they all could not find any of my information. So I 've contacted Equifax about this and they refused to do anything about this. I 'm extremely frustrated as this has taken majority of my week to get resolved and Equifax is n't doing anything about it. I 've faxed a letter, mailed a letter and disputed on their credit reporting agency. This is my last resort to getting this resolved. I demand the inquires to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sortis Financial, Inc.
State: CA

Complaint narrative:
Second trust deed against my primary residence that was foreclosed in 2014. They continue to call and send letters and improperly reports to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: FL

Complaint narrative:
This is to inform you that I have contacted Experian Credit Bureau in regards to them having some incorrect addresses reported on my credit bureau report. They still have not addressed this and removed these addresses. If you would ever so kindly please help me to get these removed I would be ever so grateful. The following is incorrect : XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2017-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is to inform you that I have contacted XXXX Credit Bureau in regards to them having some incorrect addresses reported on my credit bureau report. They still have not addressed this and removed these addresses. If you would ever so kindly please help me to get these removed I would be ever so grateful. The following is incorrect : XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2017-07-14 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: FL

Complaint narrative:
This is to inform you that I have contacted XXXX Credit Bureau in regards to them having some incorrect addresses reported on my credit bureau report. They still have not addressed this and removed these addresses. If you would ever so kindly please help me to get these removed I would be ever so grateful. The following is incorrect : XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I included my debt to Speedy cash in the amount of XXXX dollars in my Bankruptcy which was filed in XX/XX/XXXX. My case number is XXXX, my attorney is XXXX XXXX XXXX. All debts owed to Speedy Cash were included in the bankruptcy yet Speedy Cash refuses to list the debt as discharged or closed. As of XX/XX/XXXX it is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: SC

Complaint narrative:
I have contested a XXXX dollar bill with the company Swiss Colony in XX/XX/XXXX. On XX/XX/XXXX 2017 They  responded with two letters stating that the account does not belong to me and that they have contacted the credit reporting agencies to have this account removed. In the process of getting a mortgage the collection account is still showing in XXXX, I have submitted letters two XXXX and call them and was told that when they call Swiss Colony there computer still showing the account as belonging to me Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
This debt has been included in Bankruptcy case XXXX. It is still showing up on my credit as an open collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: NJ

Complaint narrative:
Credit reporting agency is reporting a collection account in duplicate. In fact, the referenced account has not been updated on the credit report in one and a half years, since XXXX 2015, the dispute is XXXX, partial account number XXXX, which is reporting on EXPERIAN credit report number XXXX. This same duplicate account is already reporting to a newly assigned collection agency with the name of XXXX 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 non-monetary relief
Consumer complaint received 2017-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
It is difficult to understand why I am a customer of Navient as I have never solicited this company in any regard. I was merely emailed as my original loan holder must have passed me off to Navient without my knowledge or permission. After Navients meddling in my account I am now in a far worse financial standing and understand that not only has my student loan total balance increased by at least {$2000.00}, my monthly bill nearly quadrupled. Mind you I have made payments on time every month for years, I am in now in a far worse financial situation having been a customer. Following Navients instructions to reapply for an Income Driven Repayment Plan, I am furious to discover this plan has added to my total debt. How can this even be called a Repayment Plan if it actually worsens my financial dilemma? Why would such a plan exist, other than to rob me in a fashion that only gets worse the longer I am under the auspices of Navient? <P/>The plans I have been enrolled in by Navient and their financial repercussions were never expressed to me in any language other than very fine print legal jargon, which I dont understand, as I do not have a law degree. What I do understand, is that I actually owe more now than I did before Navient took over my account, validated by calling a front-line customer service agent of Navient ( XXXX, ID # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: MD

Complaint narrative:
Hunter Warfield is stating I owe them a debt in which I DO NOT. All amounts were paid before I left the rental company. Spoke to the manager of the rental company they charged extra but requested my family to leave the premises by XXXX XXXX, 2016. In which we did, they kept our security deposit to now receive a letter from Hunter Warfield on their behalf. We are not responsible for the move out fee 's before 60 days as we were requested to be out. We do NOT owe this debt!! <P/>We 've sent debt validation letters and they 've refused to respond.

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 2017-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a credit card with Chase bank. Last year there were fraudulent charges on the card. As the issue was resolved I continued to make payments so that it did n't affect my credit. The balance was adjusted appropriately and I resumed making payments to the smaller amount that I agreed was a result of legitimate charges. My ability to make payments online was taken away. I was told it was because the account was closed. Instead I made payments via phone for months. I have maintained a regular payment each month as agreed. In the past 7 days I have called Chase multiple times to make my payment as usual. Only now they refuse to set up any payments over the phone. Instead I am transferred to a fraud investigator with chase that has told me that she will not accept any form of payment except a mailed check. I told her that was fine but I needed the account number. She refused to give it to me. I explained that they do n't send me bills or statements anymore even though I still have a balance. She told me that it was my responsibility to know my account number. Chase had stopped sending me statements, denied me access to my accounts or my statements online ( even though I have done them no wrong ), and now they are refusing to let me pay and very close to forcing my account into delinquency for no reason. Please help, I just want to be given a reasonable way to make the payments to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I am being billed from XXXX XXXX XXXX in XXXX, NYfor medical whom I am currently enrolled in XXXX XXXX XXXX XXXX 3 accounts open on XX/XX/XXXX for {$530.00}. Current billing agency is XXXX XXXX. Also I am a victim of fradulent activities for a account bill of XXXX for {$180.00} opened on XX/XX/XXXX current billing agency Trident Asset management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX, Capital One Bank, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
As filed various complaints against Prestige Auto Loans it appears that this company does n't want to restructure or lower my high interest rate of 17 % and {$440.00} and {$480.00} .Prestige administration and business partner XXXX XXXX XXXX XXXX XXXX , Texas and staff stated that I did n't have a problem in addressing on high car payment and high interest rate. I have a VA Mortgage payment and home expenses and why would n't address high interest and high payment on a car loan? I am XXXX and Retired and with a fixed income, if I was working and having a decent salary, than the picture of affordability changes. Prestige and XXXX XXXX XXXX lures citizens and Military Veterans with bankruptcy and disadvantage credit and promise them that their high interest rate and car loan monthly payment will be lower. Prestige special program in lowering your monthly payment and interest rate, is that a consumer give their bank information and have a bank draft so every month, your checking account be debited and company receives their money. If a consumer is paying their car loan on time each month for one year, why does he or she has to give their bank checking account information to get the benefits in interest and high payment reductions? Prestige stated if I do n't do their schemes I do n't get nothing and keep paying high loan payments and high interest rate.Prestige also stated that I file complaints to get over on them? How can I get over on them if I have a high loan car payment and high interest rate of 17 %? Prestige is a company that makes billions of dollars and they do n't have a Financial Hardship like I have. How many Consumers, XXXX Citizens and Military Veterans filed complaints against Prestige and XXXX XXXX XXXX for giving them promises and lies on their loans and vehicle purchases? Prestige is going to keep getting away with unlawful Federal Consumer Violations and taking advantage on hardworking american that has disadvantage credit and Bankruptcy on their credit report. A mounted of {$880.00} is going to be added on my XX/XX/XXXX loan payment and Prestige is going to start putting a repossessions collections on my credit report with XXXX, XXXX and XXXX. Why did Prestige and XXXX XXXX XXXX approve a vehicle loan if I was going through a bankruptcy chapter XXXX on XX/XX/XXXX? Federal Judge of XXXX, Texas Discharged Bankruptcy on XX/XX/XXXX. I made my first Prestige Loan payment on around XX/XX/XXXX or XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.

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 2017-07-14 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: NC

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14 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: NC

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.

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 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
While reviewing my credit report XXXX 2017 - I have a debt amount {$1500.00} with Pinnancle/Resurgent. I do not owe this and have NO CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I called XXXX 2017 to voice concerns to Wells Fargo Dealer Services that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: MO

Complaint narrative:
This is a debt that I was spoke with the doctor office due to my son father taking my son to the doctor. He called for the insurance card number ( he reside in XXXX, TN - I reside in XXXX, MO since 2012 ) - I gave to him. When I ran my credit report I notice this charge on there. 1- I did not sign any papers, my child XXXX XXXX was in the care of his father. I am not obligated or was given notice about the debt. I have disputed the account which was showing on my credit reports for {$100.00} and being closed now the company Universial Collection has updated and placed status back to Collection and changed the amount. {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I called XXXX 2017 to voice concerns to XXXX XXXX XXXX XXXX that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.

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 2017-07-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I called XXXX 2017 to voice concerns to XXXX XXXX XXXX XXXX that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.

Company response to consumer: Closed with explanation