vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Massachusetts Educational Financing Authority
State: CO

Complaint narrative:
I am the co-signer on my son 's student loan from XXXX. I was out of work for a couple months and fell behind on the repayment. I have since contacted them almost 3 months ago and told them of my situation and that i was going to start making payments again and i would add an additional {$50.00} per month to go towards the past due which at the time was about {$1200.00}. I have made 2 regular monthly payments on time with an additional {$50.00} and i still get harassing phone calls from them almost daily. I feel that this is harassment. I have told the person calling that it is harassment and they said they have a contract with XXXX and they have to call even if your account is being paid by a payment arrangement as agreed upon because it is still past due. 
I have been in the XXXX and XXXX business for over 18 years and even I can see that this is harassment. I really feel that they need to be investigated for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called 3 credit bureaus to remove negative report from my public record but they didnt respond me it shoes bankruptcy on my public recort on my credit report back in XXXX they told me they gon na remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house its hurting me cant go forward to grow up 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 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I attempted to hire the company to service my residential garbage disposal needs. However, I was disappointed with their services & cancelled immediately. 

My garbage was picked up one time on Thursday, XXXX XXXX. The next week, my garbage was skipped. The company had told me that they had two pickups per week. However, my garbage sat all week at the end of my driveway. After my garbage sat untouched, I phoned the company. I voiced my disappointment with their service & promptly cancelled. Then, I hired another local garbage service company.

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 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called 3 credit bureaus to remove negative report from my public record but they didnt respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gon na remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house its hurting me cant go forward to grow up 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 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called 3 credit bureaus to remove negative report from my public record but they didn’t respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gonna remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house it’s hurting me can’t go forward to grow upThanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We mailed our rent check to our landlord on XXXX XXXX XXXX. On XXXX XXXX, XXXX a different, unknown woman cashed our rent check at a XXXX XXXX XXXXXXXX, after she scratched out our landlord 's name and listed her own name in the payee line. We did not learn of this until the end of XXXX when our landlord told us he did n't receive payment. We looked up the check and say from the photo of the deposited check that someone has stolen our rent payment. The landlord then forced us to pay him immediately. We sent an affidavit to Chase describing all of this with the check photo on XXXX XXXX, after calling them. Since then they have learned it was a woman who cashed the check at a XXXX XXXX XXXX branch. They are refusing to refund our stolen money until 90 days from when we reported the loss. They are refusing to contact XXXX XXXX XXXX XXXXo in any way expedite XXXX XXXX XXXX XXXXs action to reimburse them. Still, as Chase customers, we should not be out this money. They should insure us from thieves. Otherwise, what is the point of a bank account. We would have been better off keeping cash in the mattress. We also filed this case as a XXXX crime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-15 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: IL

Complaint narrative:
Some is using my indenty, and I never applied for most account on my credit report, and went to business have them removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: CO

Complaint narrative:
Equifax XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX can not seem to get anyone 's address correct. 
I 've been helping my neighbor across the street with clearly a different last name and first name and they send his mail using my address. This has to be stopped immediately. 
In the past, they sent a fraud alert to the identity thief in XXXX without permission. What is the matter with them? I will send proof of my name and address as well as the neighbor 's address AGAIN. Tell them to knock it off. I will follow up with a complaint to the Georgia Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, i called Transunion to have inquires that i didnt authorized removed. I spoke with a US rep that was handling my request. As the rep was confirming the inquires beening removed, the phone call was disconnected. i called back and waited 23 minutes to get another US rep on the phone. i explained to him what happen and how the US Rep was deleting unauthorized inquires and could he continue. He stated that he could n't do it. Again, I explained that the other US Rep was in process of deleting theses unauthorized inquires. however, he didnt care. Needless to say, he did n't help me with what the other US Rep was more then willing to help me with. There 's 5 inquires from XXXX from car loans companies. none of theses compies had my authorization to do so.

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 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NY

Complaint narrative:
An account was opened under with my information from XXXX XXXX XXXX while back without my concern and ill like dispute this dept.. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: HMSV Financial Services, Inc.
State: OR

Complaint narrative:
First contacted this loan officer who took my income information and made a pre-approval for the amount of a home I was looking at, it was hitting the max end of our pre-approval but she did it anyway. When our buyer of our home wanted us to pay closings costs, $ XXXX, I asked XXXX if this would be a good idea, she said that we would maybe have $ XXXX leftover if we paid our buyers closing costs, if we purchased this home we were looking at. There was a lot of communication back and forth with XXXX she kept asking for items I had already sent her, and pretty much rushed us through the process. I do not recall any sort of pre-counseling of sort or notice regarding not using your credit cards when in the process of trying to obtain a mortgage. Also, I ended up not paying my mortgage because I was using that money to make repairs. From the months of XXXX through XXXX is when our loan was pre-approved. Then, come the day we were finishing up on closing on our loan all of a sudden this lender says we are not qualified. Actually, I could not even get a hold of XXXX after she emailed me and told me that we were no longer approved. I tried calling all day Friday and the remainder of the weekend. I was basically blown off and given no chance to fix the deficiencies. We literally had already sold our house based on XXXX 's professional advice. They must have done something procedurally incorrectly, well they did, we had ten days until we were homeless at that point. We could not breach our contract with our buyer. We scrambled and there was no apology, no response, no nothing. I spoke with XXXX XXXX, her supervisor, the mortgage branch manager, he had no idea about our file or what was going on. It was awful to know no one cared that our us and our XXXX kids would be homeless. We were lucky enough to have our seller rent his house back to us while we are ( stlll ) trying to correct the deficiencies that XXXX apparently did not catch ( or her team ). This is a complaint against the entire department. There is no oversight nor care in the way XXXX or her team do their job. I am writing this complaint in hopes that this does not happen to anyone else that they may work with on a home loan, there needs to be reprimand, although I think XXXX should be fired for this behavior. The only person at that company that even remotely helped or answered the phone was XXXX XXXX. This company should not be allowed to do business unless they are in the business of making families homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
as you know, i am a client with td bank. on XXXX XXXX i made a deposit of {$600.00} dollars at XXXX XXXX  through the vending machine which is located at XXXX XXXX XXXX XXXX ny in the afternoon, i wen to shop somewhere else i did not find my banking card.i went to the bank to claim my card they told me there is no balunce in my account.therefore, i filed a complaint to the bank. after, 20 days i have no received any answer, i went back to file a second complaint. i went today XXXX XXXX the branch, they informed me my complaint has been denied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested.I was in an accident and this was paid for by my attorney, throught the other party 's insurance company. The letter below is what I have sent them and the 3rd party company has not responded to my requests. The account number for this 3rd party creditor is XXXX amount {$2100.00} The letter below is what was sent to them regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XXXX XXXX in the amount of {$2100.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX my account was overdraft XXXX and i was fee of XXXX dollars on XXXX/XXXX/XXXX i was fee again for XXXX dollars with no notifications where i have checked on my account to receive notifications. 
on XXXX/XXXX/XXXX i was fee again for XXXX dollars XXXX was fee again for XXXX dollars on XXXX was fee again for XXXX dollars XXXX was fee again XXXX dollars XXXX was fee again XXXX dollars I went to my fifth third bank branch to see if this can be forgiven knowing that i have a good credit standing, i paid off their car loans that was with them with a 5 % apr.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX and PXXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

Thank you, 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 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
Aqua Finance is reporting an account in my name, beginning around XXXX XXXX. This is not my account. I have never done business with this company, never signed a contract, never received a bill. The ever-increasing debt of over {$3000.00} is simply not mine. Upon further scrutiny, I 've discovered that the address associated with the account is my ex-wife 's. I did not sign for or agree to purchase anything relating to that address ( XXXX XXXX XXXX, XXXX, FL XXXX ). I can only assume Aqua Finance has decided to forgo due diligence in confirming the validity of the account. I have disputed this account multiple times and it is verified as accurate each time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. 

Thank you, 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 2017-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Foreman Financial Inc.
State: CA

Complaint narrative:
foreman financial gave someone else a auto loan in my name on XXXX/XXXX/XXXX for the amount of {$19000.00} after I contacted ( XXXX ) which is the supervisor for the finance company he ran my credit once again knowing that I had already made a police report and also made a report to the federal trade commission for identity theft and two days later XXXX called my place of employment harassing me. and every time I called back to speak with him his staff XXXX XXXX XXXX XXXX would give me the run around and continued to hang up on me

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 2017-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Precise Financial Group, LLC
State: WI

Complaint narrative:
Precise financial is reporting to the credit agency that my first date of deliquency is XXXX FCRA states date of removal starts on first deliquency if they are not original creditor how could this be if this was placed for collsction in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, Equifax, XXXX and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, Equifax, XXXX and XXXX. 

Thank you, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: Innovis
State: IL

Complaint narrative:
I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, XXXX and Innovis. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, XXXX and Innovis. 

Thank you, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation