vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Hello I have requestion for validation of this debt through XXXX and XXXX XXXX. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a payment to Citibank in the amount of {$400.00} on XX/XX/XXXX through my bank. Citi is claiming they did not receive {$400.00} instead they are claiming they received {$74.00} on XX/XX/XXXX, which I did not make. I contacted my bank and they confirmed that a payment of {$400.00} was sent to Citi and a payment of {$74.00} was never made. I spoke to 7 different representatives at Citi each telling me that I did not make the {$400.00} payment. Each time they said they could not help me and transferred me to someone new only to be hung up on and placed and left on hold. No one seems to want to help me resolve this. I cant even go online to get a copy of my statement or history so I can ensure that I am being charged correctly. I received a letter stating my account is delinquent but I ca n't get any one to help me resolve this to put my account back in good standing. I do n't want to make any payments to them if they are not recording them correctly.

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 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ever since I was forced to file Bankruptcy in XXXX 2008 I  have made all payments on time as agreed and paid off all Credit Card Debt Monthly Balances in Full. All other installment loans such as Mortgage, Auto and other installment loans have all been paid on time as agreed or paid off sooner. I have only applied for and obtained credit as needed. After following all of the purposed recommendations my credit score still remains well below XXXX. My score seems to bounce back and forth in the low to hi XXXX 's. I would not have had to Bankrupt in the first place had our Government been in control of our Mortgage & Banking Lending Practices. The Housing Market would not have come to a complete CRASH had our Government put into place Strict Regulations to prevent Appraisers from preparing false Housing values, Our Government continues to fail to Regulate the Banking Industries Lending Practices and it appears that we are heading right back into another Recession. As for my own personal Credit score. It  appears that all three of the Credit Reporting Agencies are creating a false and very Low Unrealistic Credit Score. This has become very obvious based on my credit history since Bankruptcy. I believe they are doing this so that Lenders will not offer me the best credit available and instead these Bureaus are creating the scenario that forces me to pay higher interest rates and fees. Most importantly Experian Credit Report is what Credit Check Score is basing my Credit Score from. So I ask you again how can I improve my credit score to over XXXX? It is obvious that I pay all of my payments on time, keep all credit cards balance paid off every month and have done everything suggested by Credit Score as well as Experian. I am frustrated by the constant interference by the Credit Reporting Agencies and their low intentional Credit Scoring that is designed to force me the Consumer from obtaining the best credit available. A copy of this email has also been sent to the US Treasury and the Consumer Financial Protection Bureau for their review as well. Very Respectfully, XXXX XXXX XXXX XXXX. XXXX XXXX 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 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I was contacted by XXXX XXXX XXXX/XXXX License ID XXXX of loan Depot to apply for a refinance. I was told to pay the appraisal fee on a credit card and I would receive it back at closing or in the event they were unable to provide me with a loan. I submitted all my Social Security XXXX documents as well as my court ordered child support income documents, bank statements, and requested forms. They kept coming back requesting more information which I would send. I have been going through this for a couple of months. My Account Manager XXXX XXXX informed me that underwriting had suspended my application pending decline because they were n't adequately able to verify/qualify the income needed for approval. I have not received the refinance or the appraisal fee refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I had several fraudulent and duplicate inquiries that were removed from my Transunion credit report. After the company had a glitch in their system, several of these inquires were reinserted back on my credit. I have contacted Transunion on several different occasions to have these inquired removed. The representatives refuse to assist in this matter. I have talked with supervisors on two occasions, as well, with no resolution. These inquiries were once deleted and a fraud alert was applied to my credit report. I never received written notification that these inquiries were added back on my report, which in violation of Sec 611 of Fair Reporting Credit Act. I am currently in the home buying process and these inquires have caused a decrease in my credit score.

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 2017-08-22 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: The CMI Group, Inc.
State: WA

Complaint narrative:
On XXXX XXXX/2017 had credit report ran to refinance mortgage loan and was told, on my credit report showing a balance of {$90.00} sent to credit Management LP for collection. I called credit management to find out the source of the credit and was told XXXX or XXXX XXXX, and my option is to pay and resolve the situation. I do not owe to XXXX or XXXX XXXX. I am not aware of any transaction or signed contract with the company showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: I.C. System, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX- I have sued them in small claims court for an outstanding balance that they state I owed. I proved that I did n't owe the money incourt, but still be harassed by there company and a collections agency-ics systems and is impacting my credit as it keep coming back onto credit report and still contacting me violating court order.

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 2017-08-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX sent a statement to Experian Credit that I had a contract for an account with them in XX/XX/XXXX. I have never made such an account. I wrote Experian to inform them of this, request investigation and removal. After 5 days Experian wrote back saying they performed the investigation and found it to be accurate and stated it would remain until XX/XX/XXXX. They did not send any of the documents to prove I made such an account so I could further investigate. It only takes all other seconds to establish a bad mark on a persons account but it takes minimum of three months to get false information 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 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX took XXXX out if my bank account then again on XX/XX/XXXX they took another XXXX out then on XX/XX/XXXX another XXXX these withdrawls where unauthorized i never approved any of these transaction soon XX/XX/XXXX i contacted the bank to make them aware of the unauthorized transactions they took the information and filed a dispute against the mechant however on XX/XX/XXXX i called to check the status of my dispute and was told my dispute was denied because they called the merchant and the zip code on file with them matched the zip code the had so it was no way that the transactions where unauthorized and it doesnt make sense cause my id was also taken along with my debit card number ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: GA

Complaint narrative:
I am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information according to FCRA 605b I have not been able to resolve the issue of reported items that are fraudulent. I would like an immediate block on all specified items according to the aforementioned congressional act.

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 2017-08-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of Identity Theft, I have submitted a dispute to block the fraudulent accounts and inquiries, yet despite sending my supporting information according to FCRA 605b I have not been able to resolve the issue of reported items that are fraudulent. I would like an immediate block on all specified items according to the aforementioned congressional act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
I enrolled at XXXX University XXXX under the presumption that I would be eligible for financial aid for the semester I was attending, however because they failed to process my financial aid in time by the time they did, they discovered that I was not eligible for financial aid however I had already enrolled in courses and the semester and had already completed work but they kept assuring me that my financial aid would be applied after I had begun the second 8-week course in the semester. Near the end of the semester they told me they were not able to apply any financial aid to my account and that I would be responsible for paying the {$6000.00} bill and they failed me so I wont even receive the credit for all of the hard work I did all those months. Since I do not have {$6000.00}, they have now reported this to collections and it is on my credit report. I attended online XX/XX/XXXX-XX/XX/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 2017-08-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ref : Chase Credit Card No. : XXXX XXXX XXXX XXXX I was enticed by XXXX to get the XXXX Chase  Credit Card referenced above. I have been with Chase for around 30 years and they know where, when, and what I have purchased in the last year. They know about me more than I know about me. Several weeks ago suddenly and without warning or notification, these XXXX XXXX froze my account and would not provide any information as to why! I have contacted their XXXX customer service department several times by phone, by email, and by US mail trying to figure out why they are doing this to me. They routinely leave in my mail box on their supposedly secure service a message that they have received my complaint, has been forwarded to the appropriate department, and that I should receive a response in 48 hours. Needless to say, their XXXX  appropriate department never responds not in 48 hours.. Not ever.
When I gave up on hearing from them, I contacted you.. and you contacted them. It took them more than a month to respond to you that they did what they did because they are discriminating against me because of my national origin! Apparently, they found out that I was born in XXXX ( although I lived most of my life, was educated, and employed here in the US ) and they used that information to discriminate against me. I am contacting you to ask for two things.
( 1 ) I hope you will not act as a messenger service, and you will investigate these characters for discriminating against me for no reason whatsoever. I realize that JP Morgan Chase is a very influential powerhouse with a lot of powerful government and business connections, but that should not allow them to DISCRIMINATE. ( 2 ) These XXXX owe me {$17.00} in rewards I have earned and should be able to use. These jerks are not allowing to use the rewards points I have earned and would not respond to my inquiries and request to be given the rewards I have earned. I have been the best customer they any credit card company dreams of having ( high amount user, never been late in making payment, etc. ) and since they are so XXXX to treat me this way, I no longer want to work with these characters. Since they have been ignoring my messages, I asking them ( through you ) to close this XXXX account, but I demand that they pay me the rewards I have earned. You might also let them know that they are not the only credit card company in the country, and all the other credit card companies will be happy to take away their best ( but abused customers. ) I have high standards for myself and for the people I work with me, and Chase are way beyond the standards I expect from a credit card company. Thank you for your kind attention. Thank you for your kind attention

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My issue concerns with rogue inquiries made ( multiple ) to my Experian credit report. I recently attempted to resolve this issue via a letter i sent to them in early XXXX 2017 ( XXXX XXXX, 2017 ). To date I have not received a response or acknowledgement from Experian. The letter was sent via Priority mail with delivery confirmation and was confirmed to be received by the USPS. In my letter I asked Experian to investigate XXXX inquiries made to my credit report which are not permissible as per the Fair Credit Reporting Act. The XXXX inquiries in question do not fall under " permissible use ''. Furthermore on the XXXX inquiries in question, no specified reason is given. I discovered this while doing a periodic check of my credit report I also asked for additional information, as per the Fair Credit Reporting Act, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, specifically : a ) the name and title of the person who pulled my credit report b ) the date of the alleged permission and for what purpose, since none was given c ) Method that the creditor claims permission was given and documentation of said permission. As stated before I received no communication on this matter from Experian.

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 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have put in numerous complaints with Ad Astra and they are still unable to satisfactorily verify that the 2 debts that they are alleging that I owe them. I have not asked for validation but for verification. 

The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. 

This statement means There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. 

Ad Astra has failed to send me a contract between myself and a representative of their company so therefore this is not legally my debt. If I have to sue for legal damages then I am willing to do so because what 's going on is illegal as stated by the law Please do not send the same contracts that you all have been sending, I need to see a drawn up contract from Ad Astra with myself and an Ad Astra representative physically in the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Advantage One Credit, LLC
State: PA

Complaint narrative:
Today I tried to call this title loan company we have had an account with since 2015. I wanted to inquire as to why in XX/XX/XXXX I received a bill saying my pay off principle was XXXX $ and as of last Thursday he said it was over {$5000.00}. They did n't answer the phone it was sent to voicemail several times. I called a 6th time and the man that taped the voicemail greeting also answered. I asked him about the huge balance  difference. He said that bill was only sent to get me to call, I was shocked, that might have been criminal. He said they had a service company in CA ( Where we got our loan ) and he said they were transferring everything over to their Texas office and that he was sure it 'd be done by this afternoon. Turns out his address is at a XXXX store and he is n't answering his phone now. I just want my title back. I do n't know what else to do.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Recovery Management
State: FL

Complaint narrative:
I have tried to fix the accounts I have with Fox Collections. These medical bills where charged to the old insurance instead of the one I had at time of service. Also these balances where discharged through Chapter XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
i received a {$9000.00} loan from XXXX back in 2015. The payments were set up by direct deposit. In XXXX of 2015, XXXX stopped collecting payments from me and stated that the reason why was because my bank account was closed. Even though i informed them numerous times that my account was not closed, and even paid them using the debit card from the account they stated was closed, the company still refused to reinstate my direct debit, which was a part of my loan agreement. When i could no longer keep up with the payments because i had to keep calling their customer service number every time i needed to make a payment, incurring late fees if i did not make it in time, i refused to keep making the payments until they fixed the issue that was resulting in my not being allowed to keep my loan agreement. Furthermore, the balance on my account was not shrinking, no matter how many payments i made, as the balance stayed at {$10000.00} and they refused to send me a copy of my account ledger. After my refusal, XXXX sent me to their collections company called XXXX XXXX XXXX sent me a notice stating that they would settle for {$5300.00}. I informed XXXX that the {$5300.00} was close to my balance when i stopped paying the account, not the {$10000.00} they were trying to collect. I also asked XXXX for an accurate account ledger, listing all the payments made to this account. To this date, i have yet to receive one. They have placed this account on my credit report as a collections in the amount of {$10000.00} and have never sent me an account history nor a ledger, as i have repeatedly requested.

Company response to consumer: Closed with explanation