vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
On XXXX XXXX 2017, I revieved a call from an unfamilliar local Area Code & therefore did n't answer. After XXXX the phone # to no avail, I XXXX & called it back & found out it was ( also ) Transworld Systems Inc . They had already called before on ( XXXX ) XXXX so was this a tactic of Deception by the appearance of calling from a local #, just to catch the person off guard & get them to answer?? I did some research & found out that Transworld has NO Missouri offices & also that this is a Landline based in XXXX XXXX ( city ) MO ( just like I am ) & the # is provided by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ). Is this a normal practice for any kind of reputable business?? Transworld Systems has already been in big trouble with the FTC assessing record fines. Apparantly they were not enough to make the company conduct an ethical & fair business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: TN

Complaint narrative:
I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent XXXX, Transunion and XXXX a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.

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 2017-10-27 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: TN

Complaint narrative:
I have tried to reach out to all three credit bureaus regarding a public record that is reporting on my credit report that should not be reporting but have yet to get any results. As of XXXX XXXX, 2017 public records including bankruptcy and judgements. I have sent Equifax, XXXX and XXXX a letter from bankruptcy courts stating do they do not report bankruptcy along with a copy of the new law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
XXXX XXXX calls multiple times a day, and leaves no messages. They are just calling to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Around XX/XX/XXXX my son 's debit card from Chase bank was fraudulent use in an ATM machine in the state of Florida. I have a joint account withy son. I personally do n't have ATM or debit card They withdraw {$1500.00} from my son 's account and {$1500.00} from my account in a three different transaction from three ATM in the city of XXXX in Florida and try to withdraw more money in the city of XXXX, but the machine did not allowed. 
After contacting the bank and my son filling an affidavit. the money was restore to our account. 
Around XX/XX/XXXX Chase reverse the transaction and again and the money was withdraw form our account. 
My son went personally to the bank with a letter from his work that stated he never went to Florida and he was in CA all that time. 
Around XX/XX/XXXX the money was deposit in our account .Today XX/XX/XXXX they reverse the transaction and the money was withdraw again. 
We are tired with this Bank procedure, this matter is not resolve THIS WAS A FRAUDULENT TRANSACTION AND THE BANK DOES NOT WANT TO BE RESPONSIBLE I WANT PROOF THAT MY SON OR I DID THIS TRANSACTION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-27 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: TN

Complaint narrative:
I applied for an apartment in XX/XX/XXXX. A couple months later, I noticed that the background check was run two separate times, resulting as 2 hard injuries on my Equifax credit report. Early XX/XX/XXXX, I spoke with my apartment complex about the issue. They stated they were going through computer updates and it was most certainly a glitch that caused a duplicate request to be sent for a background check. The two background checks were completed right next to each other ( XX/XX/XXXX & XX/XX/XXXX ). They contacted the background checking company ( XXXX XXXX XXXX ) and they said I needed to contact the reporting credit bureau. I contact Equifax on the XX/XX/XXXX and initiated a dispute with a woman on the phone. Roughly a week and a half later, I was informed via automated email that the results of my dispute were available online, but was unable to access it through Equifax 's website. I called and spoke with XXXX ( spelling? ) at Equifax and was told there is nothing they can do to remove the duplicate inquiry without a Notice of Removal from XXXX XXXX I. I then called XXXX XXXX I that same day and they told me that Equifax was wrong and they would have their dispute department reach out to me within 24 hours. I then spoke with someone else at XXXX XXXX I a couple hours later when they called and was told they would reach out to me shortly but gave me my two dispute numbers for the two dates of inquiries ( XX/XX/XXXX : XXXX and XX/XX/XXXX : XXXX. I was then contacted by XXXX XXXX for the last time ( week of the XX/XX/XXXX ) and was told that the apartment complex needs to reach out to them. I spoke with the apartment complex that same week and they told me there is nothing they can do and asked if I contacted the credit reporting agency. I have gotten the run around multiple times, and just want to get this solved. Thank you for your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have filed the complaint twice and keep getting same response. 
I am now hiring attorney since this issues making my life hard and ca n't get mortgage since over limit Barclay Bank reported to all 3 credit bureaus. 
This is very serious matter that the bank is rip offing their customers. 
Please see attached proof of evidence that they are not my charges. 
Some of the charges occurred when I was in XXXX, I am always traveling out of state and country as you can see.

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 2017-10-27 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: PA

Complaint narrative:
Navient and XXXX XXXX are absolutely insane. They call non stop at all hours starting at 7 am through XXXX pm 7 days a week. Ive filed multiple complaints with the attorney generals office about this and how they are so unprofessional and rude. I once called 15 separate times and not once did anyone answer. It continued to ring and ring till I finally got connected and was hung up on. Even when you do talk to anyone, nothing is noted or filed. They will say they have not heard from you even if you just hung up with them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: NY

Complaint narrative:
I am a Navient Studen Loan Borrower and have been a victim with issue of them not informing me as a borrower of certain information, not accepting my AutoPay payments forcing my account to go delinquent, negatively affecting my Credit score were I could not find a place to live, and falsing credit information. I contacted Navient and demanded the information and account be rectified. I was asked to submit documentation to prove my case. I submitted all my documentation and they have no rectified nor responded to my situation. 

I need help. My loans are at XXXX, I am a XXXX XXXX, XXXX XXXX that is suffering from a company I thought was helping me. They ruined my credit score and I ca n't even get a loan to buy a house or apartment. I pay all my bills on time and have never missed a payment. I do n't know who to go to. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I have a XXXX XXXX XXXX card from XXXX XXXX. They are ilegally calling me several times a day from a unlisted number. I work in finance and you are not supposed to call from a blocked number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: Fay Servicing, LLC
State: GA

Complaint narrative:
Our loan is with Fay servicing. We were making XXXX payments ( and still are ) per month XXXX XXXX XXXX to loan, XXXX to principal. Fay was holding checks until complete payment was made, and then this caused us to show " late ''. In addition out bank account was hacked and we had to replace XXXX returned payments. I sent the information from our bank to Fay and they were to drop the late charges on this issue. 
As to the XXXX late payments, I have sent letters, emails, and spoke with multiple customer service reps on the issue. All have stated that the issue would be resolved in our favor. This has gone on for over XXXX  months ... .HELP. A copy of the most current email is enclosed. 
The actions, ( or in some case inactions ) has caused damage to our XXXX XXXX and ability to refinance our loan. 

Thank you, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: WA

Complaint narrative:
Hi I am BOMBARDED by calls from XXXX XXXX XXXX XXXX - I finally called back and only said I had a loan and my first name. They immediately confirmed they were working with the XXXX XXXX XXXX and they could help. I asked for their online website where I could verify them. The guy said have a good day and HUNG up on me. So this IS phishing as I suspected and theyre relentlessly dialing. I have numerous phone numbers I can associate to this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I picked up mail from an address from a location I had not used as a mailing address in 3 years. It was two pieces of uncertified US mail from Linebarger Goggan Blair & Sampson, LLP,  dated XXXX XXXX and XXXX XXXX, XXXX, claiming that someone with my first name and last name, but a similarly, but not correctly spelled middle name owes XXXX XXXX {$320.00} for an unnamed fee, charge, or fine. It goes on to inform me that " The Texas Legislature recently enacted laws that provide additional means by which such obligations may be collected, beyond the issuance of a warrant. To avoid any and all potential effects of the pending charge, timely payment is required. ". During my research, I have found many others, that have expressed similar issues from this firm. In addition, the case number, " XXXX '' turned up no results in either county records or a general XXXX search. In addition, many people have reported spam phone calls originating from the phone number the letter says to call ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: GA

Complaint narrative:
Our loan is with XXXX XXXX. We were making XXXX payments ( and still are ) per month XXXX} XXXX XXXX} to loan, {XXXX} to principal. XXXX was holding checks until complete payment was made, and then this caused us to show " late ''. In addition out bank account was hacked and we had to replace XXXX returned payments. I sent the information from our bank to XXXX and they were to drop the late charges on this issue. 
As to the XXXX late payments, I have sent letters, emails, and spoke with multiple customer service reps on the issue. All have stated that the issue would be resolved in our favor. This has gone on for over 5 months ... .HELP. A copy of the most current email is enclosed. 
The actions, ( or in some case inactions ) has caused damage to our XXXX XXXX and ability to refinance our loan. 

Thank you, XXXX XXXX XXXXXXXXXXXX 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 2017-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: KS

Complaint narrative:
We have repeatedly tried to contact DiTech for a XXXX XXXX. I have done it in the past and they approved it. On XXXX I had an envelope taped to my door from a lawyer stating that my house is in Foreclosure. I filled out all the loan modification paperwork with everything requested the end of XXXX. I put the house on the market hoping to sell before receiving a rejection or acceptance of the loan modification because I can never speak to anyone. They have assigned me a representative named XXXX who never answers her phone and does not accept voice messages. I gave my realtor written authorization to speak on my behalf to DiTech, as I have a job that requires my full attention XXXX, which is the same hours as XXXX XXXX My realtor can not get ahold of her or anyone else about my loan. She spoke to XXXX once and was told that all my loan modification paperwork was turned in and the manager was reviewing. She said the manager would send me a rejection or acceptance letter within XXXX days which I have never received. My home is being sold in an auction on XXXX XXXX, XXXX and I still have not heard anything from DiTech nor can I get a hold of anyone at DiTech. Please help me in finding out if I have been rejected or accepted for a loan modification. I do not know what else to do. Can this company refuse communication with me but still sell my home in an auction? Can the still sell my home in an auction without communicating to me that I have been rejected or accepted a loan modification. I do not know what else to do so my realtor advised me to file a complaint with you. Please advise. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I am the heir, executor, beneficiary, settlor, and principal of my legal decedent. On XXXX XXXX, XXXX a title loan account for a XXXX XXXX XXXX was open with TITLEMAX in Georgia in the amount of XXXX}. I paid the fees each month for XXXX months totaling XXXX  The last payment was made in the amount of XXXX  on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was given a security interest each month the loan was renewed totaling XXXX The total amount including fees is XXXX}. On XXXX XXXX, XXXX TITLEMAX repossessed my vehicle. On XXXX XXXX, I phoned the TITLEMAX office to get my personal property from the truck. I was told they did not have possession of the vehicle and no guarantee they would have the vehicle back in order to get my personal property. I was unable to earn compensation for XXXX weeks. On XXXX XXXX, XXXX, a Truth in Lending Rescission Notice was sent to the XXXX of TITLEMAX, the XXXX of XXXX XXXX XXXX XXXX XXXX, the registered agent of TITLEMAX, and the registered agent of XXXX XXXX XXXX  XXXX XXXX. The XXXX day right of rescission disclosure was never given to me at the origination of the loan. TITLEMAX had XXXX days to dispute the rescission by filing a lawsuit against me and that time has now passed. On XXXX XXXX, XXXX, I received a letter from a litigation paralegal of TITLEMAX stating I can get my vehicle and they will release the lien in exchange for my signature on a mutual settlement. A rescission states that all monies paid and all property to be returned to me the principal because the contract is now void. The letter states my vehicle will be sold in XXXX days which is XXXX XXXX, XXXX if I do n't agree to their settlement. There is a bigger problem since XXXX XXXX XXXX  XXXX XXXX is involved. I need an audited accounting of debits, credits, and expenses and how many other accounts that were created from the XXXX accounts. TITLEMAX sent a one- sided accounting record of the payment transactions, but not the other pieces to the accounting. I requested XXXX} to be returned to me, but if this goes further, I will be demanding damages for all FDCPA and XXXX violations. Since a security is involved, I am the first party heir to my decedent 's account because I am the living heir to the party of interest. I am requesting a cease and desist until this entire matter is resolved. I received a letter from XXXX XXXX XXXX XXXX XXXX stating they needed additional time to investigate and to expect a response by XXXX XXXX, XXXX. The rescission was effective the day it was mailed. I need both Corporations to follow the XXXX in XXXX XXXX XXXX XXXX guidelines. Both companies defaulted on their opportunity to dispute the XXXX rescission within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
When I received the initial call, I asked the agent to stop calling me as I have no debt with the debtor XXXX XXXX ). After that, I received a call from a very deep voiced gentleman. He asked me my name and when I said yes, he hung up on me. He called back at least XXXX more times that particular day. Since then, I get multiple calls from this number and another number starting with XXXX. Most of them I allow to go to voicemail. I already know he 's going to hang up when I answer. I feel as though I am being harassed and I want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: NV

Complaint narrative:
Hunt & Henriquez levied my bank account on a fraudulent judgement in California. They are claiming a judgement was filed against me in XXXX of XXXX. I was never served, I 've never received any notices about this case. I 've never heard of the credit card they are claiming the debt. They drained my account in the amount of XXXX and trying to get XXXX} more on XXXX. I called them on XXXX to report fraud. They said they sent it to their fraud dept for investigation and I 've heard nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Gatestone & Co. International Inc.

Complaint narrative:
XXXX has been calling my place of work and talking to several different coworkers as well as my boss about me and my financial situation he works at XXXX XXXX and Ive asked him not to contact me at work but says that the law allows him to. Hes threatened to keep calling and talking to my boss. This could get me fired as we arent supposed to receive personal phone calls Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief