vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Merchants' Credit Guide Company
State: KY

Complaint narrative:
I have a collection account on my credit reports from Merchant 's Credit Guide for a some kind of medical collection from a radiology place. I have no idea what this is and I have attempted disputing this with the credit bureaus and have not had any success in getting this resolved. This needs to be removed from my credit reports. This does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I have written to Specialized Loan Services, LLC to obtain documents associated with my refi loan. As I understand it, when loans are transferred from one lender to the next, all of the documentation goes to the 'new ' lender. 

As such, I would like to obtain copies of the following documents : 1. all of the originating loan docs from my refi with XXXX 2. the payoff disclosure statement from XXXX, stating the exact payoff amount remaining from the previous loan - this money was folding into my refi 3. a  copy of the cancelled check and or electronic payment showing payoff of the remaining balance for the XXXX loan Please provide me with this information. Thanks.

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 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM CAINE AND WEINER. I HAVE SENT A CERTIFIED DEBT VALIDATION LETTER ON XXXX WITH NO RESPONSE FROM THE COMPANY. I HAVE DISPUTED THIS NUMEROUS TIMES IN THE PAST. I AM REQUESTING YOUR SUPPORT IN GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT PER THE FCRA. THANK YOU IN ADVANCED FOR YOUR ATTENTION IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
I left a lease early and leased another vehicle with the help of the factory. The finance company assumed a very aggressive estimated future property tax amount. I knew it was too high and told the company I would pay them {$150.00} a month until the actual property tax bill came in. The estimated tax was hundreds of dollars higher than the actual number. I confimed that number with the local municipality. I called the leasing company with this information and they informed me that they would look into it. I never received a call back or letter regarding my issue and the leasing company continues to call looking for the fraudulent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX XXXX, I mailed in a letter requesting a credit investigation. Its now XXXX XXXX, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: SC

Complaint narrative:
My account is in a forbearance status yet my credit score dropped XXXX points last month Because the balance went up on my navient loans! Its no way that interest in one month is XXXX. A

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: FL

Complaint narrative:
A collections agency recently put a collections item on my credit report from a service on a home that I sold over 3 years ago. I cancelled that service with that home when it was sold. While XXXX removed the incorrect collections action from XXXX XXXX out of Utah, Transunion has kept it on my report and thus impacting my Tier for a home mortgage. This has become almost impossible dealing with 3 separate credit reporting agencies. It seems you get an incorrect item removed from one and it shows up on another bureau. I am asking that action be taken with Transunion to remove this item from XXXX XXXX once and for all! 

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 explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
There is a collection account appearing on my credit reports from Convergent Outsourcing. It shows that this is for a XXXX account but I have not used XXXX for any services in over 5 years. Convergent Outsourcing keeps updating the date on my credit report so they can try to show this debt is more recent than it is and avoid my state 's statute of limitation laws in accordance with debt collecting. This is not accurate credit reporting and despite my attempts to dispute this with the credit bureaus, this has not been resolved.

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 2017-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Unknown debt listed which I do not owe. Please help I have disputed with nothing received.

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 2017-11-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX XXXX, I mailed in a letter requesting a credit investigation. Its now XXXX XXXX, and I have not yet received a 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 2017-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XXXX XXXX, XXXX I entered a complaint through your organization against PayPal XXXX # XXXX. Please review the previous information I sent you for the full details. On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX responded to my complaint. I read his response which said " Nonetheless, on XXXX XXXX, XXXX, XXXX issued reimbursement in the amount of XXXX ... and. On XXXX XXXX, XXXX, Paypal issued additional reimbursement in the amount of XXXX to your Account Balance for the payment. '' I checked my PayPal account and neither amount was put in my account. I have called XXXX XXXX XXXX three times by phone and left voice mail informing of the lies in his letter. All three times I have pleaded with him to at least call me to try to resolve this issue. No Reply! In my original complaint I asked that 1 ) I get my  XXXX back, 2 ) I wanted renumeration for the 3 certified letter fees I incurred because they refused to answer any correspondence I sent approximately XXXX, and 3 ) I asked for some renumeration for the anguish this has caused me ( 6 months of their thinking I would go away by ignoring me ) I left the amount of the anguish amount up to there discretion. Well since they do n't want to recognize my existance, I want XXXX for the continued anxiety they have caused me. Please help me, I ca n't afford an attorney and they know that! They are just playing games because they are XXXX and they are treating me like an ant. I need a serious reprimand and a serious Fine by your organization

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
FNBO disabled my credit card without cause or explanation and is withholding my prepaid card deposit. For these reasons, I requested that my account be closed. FNBO has ignored this request and my account remains open to this day. FNBO is in breach of our Cardmember Agreement.

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 2017-11-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: United Student Aid (USA) Funds
State: CA

Complaint narrative:
a company by the name of XXXX XXXX XXXX XXXX send a debt collection letter to my job stating that I owe {$60000.00} in student loans and the social security number they have on this letter as well as the address are wrong and I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, the SS # they have on this letter is not mines either XXXX. My name is XXXX XXXX but again this is not my debt I have never lived in XXXX and I do not have this social security number I called the company at XXXX XXXX but the refuse to hear me out stating that I need to have my employer call them and my employer did n't give me the letter the letter was mailed to me at my job. This is not right and I want them to get this corrected immediately. I would appreciate you assisting me with this complaint. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I submitted this complaint to the Better Business Bureau originally but the company never responded to the complaint. 

Portfolio Recovery is violating the laws by inaccurate credit reporting Portfolio Recovery is attempting to collect a debt from me as a collection agency. They are reporting on my credit report as a " factoring company '' and also reporting this account as " open '' and reporting late payments. A collection account is not allowed to be listed this way. This is a violation. I have copies of my credit report to prove that this is how it is being listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation
State: MI

Complaint narrative:
please attachthis to the previous complaint i files day 6 of total chaos with my loan closing my loan was never closed propery last yur by same compoany and now having problems im subbitting all documentation and all files as now i have attourny working on it to they cant cloe on my home home poibnt financial which im working with now is same company did it last yr and never closed my loan properly still have a lien down at the county court hosue which i went down homepoint not even on there having a loan the tital compnay they used never did there job no im spending day and night my own time trying to fix this minumal XXXX from my lender they should be getting documents and calling everything was done on my end right and to the T this is frustraing i attached emails prob ten there over 50 over all this callled titalle company that had last yr there saying its lender respenc homepoint court saying home point respnsiblity attourney saying homepoint respponsibliky It is thye close my loan they were suppose to take care of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Please reference complaint # XXXX. 
I made a deposit into my account, ending in # XXXX, at Chase Bank on XXXX/XXXX/XXXX in the amount of {$150.00}. This was the exact amount required to be able to close my account. After speaking with a Chase representative and making this deposit, I again ordered that my account be permanently closed, with no further transactions of any kind. 

I received a notice from Chase dated XXXX/XXXX/XXXX advising that XXXX had been paid {$30.00}. This is yet another payment by Chase from an account that I ordered closed three times. They also paid XXXX knowing there were insufficient funds in this ac- count. 

On XXXX/XXXX/XXXX I received a letter from Chase executive office acknowledging the receipt of my previous complaint. Chase advised a detailed research was being con- ducted. I received yet another letter from Chase dated XXXX/XXXX/XXXX advising that my alleged unpaid balance would be charged off and reported to XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX I received yet another letter from Chase advising that a deposit of {$160.00} was required in order for my account to be closed.

Chase was paid any outstanding amounts and were advised to close this account on three seperate occasions. Yet they continue to pay from this account, without my consent, so that they can charge overdraft charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: NV

Complaint narrative:
Unknown account listed on my credit file which I do not owe. Please help I have disputed with nothing being received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Recovery Solutions Group, LLC
State: CT

Complaint narrative:
on XXXX XXXX XXXX I received a call from a " XXXX '' at Recovery Solutions XXXX. He said I owed a debt to XXXX from 2 years ago. I told him I did not and I disputed it with them. 
He said " No problem, I will start the process to lien your home and property '' I asked if he were an attorney, he said " I handle all legal issues here ''. I said I wanted to talk to his supervisor, he said " I am who you talk to, no one else ''. I hung up he called back very nasty, I called XXXX, they apologized for him

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Niagara Restitution Service Inc
State: AL

Complaint narrative:
Received call today from Niagra Restitution Services ( XXXX ) XXXX they are harassing with repetitious calls and hang up about a payday loan with XXXX XXXX XXXX  from XXXX estimated date given XXXX and XXXX explaining I never received these funds, I didnt leave at address given, IP address for computer and threaten to take my driving license. I told them I will follow up with my bank I didnt receive it and Ive had identity theft, police report and reported to Federal Trade Commission. They are still harassing and I would like calls stop.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NV

Complaint narrative:
Unknown and outdated it appears, I have disputed with account and nothing has ever been sent to me regarding validation. Please help

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 2017-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company keeps harassing me in regards to a debt that I do not owe. I have sent out a letter of validation to the XXXX XXXX. I have no contract with this company. The account that they are reporting was charged off in XXXX XXXX. I would like the collections account on my credit report from Portfolio Recovery Associates, LLC to be deleted due to false information. I paid the original creditor " XXXX XXXX '' the remaining balance before it was sold to Portfolio recovery associates, LLC. 

Also, this company is not authorized to collect debt in the state of Florida according to the secretary of state. 

account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am a long-term card holder of American Express since XXXX, and I have never missed a payment or late with a payment. Sometime around the third week of XXXX I received a call from an AMEX Underwriter. The underwriter informed me that based on my credit report my account balance would be capped at XXXX. I was also informed that to use the card I would have to show proof of earnings. I responded that my wife and I file jointly and my earnings are confidential, proof of earnings was still requested. I explained that we were going on trip to XXXX XXXX where we have vacationed for the past 11 years. He stated that he would allow a XXXX} charge limit. I provided proof that the reason for negative credit report was and is based on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX which are listed and open with the CFPB. In fact, I have retained counsel to represent me in federal court against XXXX. This is also reported by an FBI investigation in which XXXX was found to have committed fraud, Identity Theft and Forgery of my signature. It is being determined whether the same attorney will represent me against XXXX XXXX XXXX. This proof provided to the Underwriter had no weight in decision making nor joint filing with my wife. I was not billed nor was I informed about the non-billing for the month of XXXX and a dispute was in place for XXXX XXXX for unauthorized charges of XXXX each month. I was then billed for XXXX} due on XXXX/XXXX/XXXX which was greater than anything based on balance. I complained to the XXXX XXXX and spoke to a XXXX XXXX XXXX, see attached. XXXX XXXX was professional and concerned but stuck to the Amex playbook. Based on my conversation with the Underwriter I strongly believed that I was being kicked out of Amex as a risk. I felt this with XXXX XXXX as well and believed that cancelling my card was what they were looking for. XXXX XXXX also stated that the information supplied on XXXX and XXXX XXXX XXXX was not sufficient for the Underwriter. In conversations with counsel, I was made aware that cancelling my card would affect me negatively. I believe that I have been subjected to Unfair and Deceptive practices. See attached support documentation, and statements. Kicked Out of Amex!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
The phone number that they have been contact is either forward to my place of employment or to my older daughter 's phone during the week. On XXXXXX/XX/XXXX when my daughter answered the phone a lady started speaking XXXX and then switched to XXXX and asked for myself. My daughter informed her I was not home the lady then continues to leave a message and said that she was CDA and she was a debt collector on a recorded line and my daughter confirmed with her the phone number and reason why she was calling my daughter also made XXXX aware that she was not myself and that it was against the law to disclose to another person outside the debtor themselves XXXX did not care They have also called on XX/XX/XXXX at XXXX XXXX and XX/XX/XXXXat XXXX and revealed they where debt collectors but my daughter did not take a message either of those times

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 2017-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
Unknown and several times I have disputed with nothing received. No such debt is owed, please help

Company response to consumer: Closed with explanation