vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called transunion regarding inquires that were n't on my report in XX/XX/XXXX and XX/XX/XXXX, I checked my report iin XX/XX/XXXX and XX/XX/XXXX only to see things that were deleted then inserted and the years and dates had changed, I was n't given any type of information regarding the interments, I called to question them they stated there was nothing they could do being that the accounts of the inquires did n't state they were during the glitch yet they do know previously they didnt appear but because they are on there and documented they cant be 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 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently reached out to Equifax about unauthorized inquiries I found on my report. The agent I spoke to ( XXXX ) told me to file a police report for fraud. I went to the police department here in XXXX XXXX, XXXX XXXX XXXX Patrol Division. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Equifax yet again and was told to file a complaint here. 
This is the list of inquiries that Equifax refuses to remove that I did n't authorize. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is harassing me with continued phone calls twice a day or more. I do not owe any debts to anyone. they continue to call. I have called them and they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC
State: FL

Complaint narrative:
pmi REMOVAL from loan. I am at 72 % loan to current ratio and amount of actual amortization that they would take PMI off and they refuse to do so. I know there is homeowner protection act to stop this. Can you help 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 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Some weeks ago I was visiting your site and pursued contacting the main three credit reporting agencies. I was sent correspondence from XXXX and TransUnion that I needed to submit documented proof that I live at my current address as I have since 2009. Yesterday, I received the attached correspondence from TransUnion that my current California Driver License, a XXXX Medical Bill, Department of Veterans Affairs documentation and I believe a utility bill. Apparently this is still not good enough and I believe TransUnion in particular just does not want to comply and provide me with a free credit report so that I might manage my own identity and credit protection. They seem to keep coming back with a lame excuse that what I am sending from their own criteria is insufficient to prove where I live. It has gotten ridiculous and frustrating. It appears if I pay them for it, there would be no problem. I keep getting jerked around and around. XXXX has not bothered to respond despite sending more that the proof documentation they require. XXXX seems just to have ignored my request all together as I have never heard back. Again, I made these requests through the link on your site. I do not know what the problem is other than this is nothing new as these people seem to wield some sort of arrogant power that does not serve the consumer. Especially when it comes to removing inaccurate information which impacts credit. On example, regards a closed child support case from years ago and showing it is still open. I wish there would be more regulation over this group.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
There is a collection firm stating I owe XXXX and I do not. This debt was paid a while ago and this company is hurting my credit with false information I have disputed it and it still remains. This is FALSE and they are violating my rights reporting inaccurate information. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to remove a credit freeze and fraud alert from my Equifax credit file for over a month but Equifax refuses to remove them. 
On XX/XX/2017 I tried to unfreeze my credit through the Equifax website and received an error. A few days later I was notified that a fraud alert was placed on my credit reports, but I never requested a fraud alert. I attempted to mail my unfreeze request and made sure to include several pieces of identification including my driver 's license as well as a credit card number they could bill me for the unfreeze fee. On XX/XX/2017 Equifax responded stating they were unable to verify my identity and I wrote back and included a copy of my valid Florida driver 's license and social security card, both of which were shown on their list of acceptable documentation. Today I received another letter dated XX/XX/2017 that states again they are unable to verify my identity. You will find attached several pieces of documentation from Equifax as well as my Equifax unfreeze PIN. I do not feel comfortable uploading my ID documents but will gladly mail, fax, or email them directly to Equifax upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Navient is continuing to call my work number after several times being told this is a business/work number and to stop calling it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
AD Astra Recovery Services sent me a copy of an agreement of a debt they are trying to collect but did not verify it is mine. I have already tried to have them remove the bad debt off of my reports but they wo n't budge and are not verifying the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Who is monitoring how they decide on our credit rating? I do not understand how I can get denied for numerous car loans because of hard credit checks ( per equifax agent ) which where from the car loan inquiries. How can they be allowed to destroy a persons credit without being regulated. My boyfriend has a better credit rating and he filed bankruptcy a few years ago and all I have is XXXX medical bills that I am paying on in collections and I have a credit account in excellent standing. How does that make me a risk for a car loan? Seems to me the credit industry is in there pocket. Maybe they intentionally give us low scores so the credit industry can hike our interest percentage. The worse your credit the higher they can hike your percentage. See attached credit report from XXXX and tell me how I am a risk for a car loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX

Complaint narrative:
In XX/XX/2011 i purchased a vehicle only to find out the dealership XXXX Georgia lied. I was in Bankruptcy at the time. The sales manager advised that their dealership could sell cars to this in bankruptcy without going to the courts. After a short time speaking with my bankruptcy attorney i wanted to change filing, I disclosed the car. I was told i needed to get court permission i called the dealership they did not help. I told the general manager how the ssked manager stated i needed to pay my down payment in cash. I gave her XXXX i just checked my credit and the loan company has it that the transaction took place last year. I should be removed off my credit. XXXX is the company the collection company us second round in XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen will not except my payments and they continue to add interest. I also lost my insurance which I had for XXXX years because of their faulty actions. I am also receiving misleading information. This is causing my home to be foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Credit Management is attempting to collect a debt I do n't owe to them. I never established a contract with this company at all, furthermore they are in direct violation of the FCRA Law, by placing negative tradeline to all XXXX of credit reports which is a complete slander to my name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have tried on multiple occasions over the past year to get an income based repayment plan set up in which Navient has told me that I do not qualify. I have also tried to get my cosigner to be removed so that I would qualify since they are not paying back any of the loan. Navient has told me that I can not have her removed and combined we make too much. 
I recently ran into some medical expenditures and tried again. I spoke with a woman who informed me that I have qualified in XX/XX/XXXX and it is not XX/XX/XXXX. She then went on and played a forbearance message for me which I did not agree to. I told her I do not want to forebear but lower my payments due to income. She had her manager come over and fix the recording and played an income one which I agreed to for the amount of around {$170.00} a month. 
A couple of days later I received an email saying that I still owed a payment for the month even though they needed a payment upfront. I thought it was odd but they explained it to me as I was to pay more this month to get the lowered payments for the next 14 months. I received another email saying that my income based payment plan was going to be {$160.00} instead. I thought that was great! Knowing what they had told me over the phone I checked to see if my additional payment for the month was going to be lessened as well. When I looked it said I was in forbearance!!! I had specifically asked to ensure I would not be in forbearance and I did not agree to be in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 've disputed the account/item ( XXXX listed in collections ) with the credit bureau EQUIFAX ; they claimed to have verified the account/item but have not provided the specific details of their method of verification. I also filed a CFPB complaint ( CASE- XXXX ) on the collection agency XX/XX/2017. XXXX replied to complaint and admitted that they did not have an account for me with my information provided. As of today 's date XX/XX/2017 EQUIFAX is still erroneously reporting this account/item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased a drone from XXXX on XX/XX/2017 using by AMEX Blue Cash Everyday card for {$1000.00}. On XX/XX/2017, I returned this item bought back to the merchant. A prepaid return label was provided to me by the merchant, XXXX. Using the prepaid return label provided, I dropped the item off on XX/XX/2017 at an XXXX store in XXXX, CA. Starting XX/XX/2017, there has been no movement/update of this shipment. Contact was made with XXXX to gain more information in regards to this return shipment to no success. XXXX refused to cooperate in an investigation into this missing package. Furthermore, the merchant also refused to cooperate with this return shipment. As of present day, the returned shipment mailed back under XXXX tracking # XXXX has had no updates/movements. In any case, I do not retain possession of this item anymore. The item was handed off to the shipping carrier, XXXX, using a return label provided by the merchant. Furthermore, a missing package criminal investigation has been started with both the XXXX Sheriff 's Department and my local city police department. This is the absolute most I could do in this situation as I returned this package to the merchant in my maximum capabilities. There is absolutely nothing more that I could 've done in this situation. I have no control over the shipping carrier 's warehouses or other operations. Multiple disputes have been filed with AMEX against the merchant as no one is willing to cooperate in this matter. I expect a full refund in this as I fulfilled my maximum duties in returning this item back to the merchant. As previously mentioned, there is absolutely nothing I could 've done better to ensure the safe delivery of this returned merchandise. As this now pertains to a lost package, it should be the responsibility of either XXXX or XXXX, or both. The merchant, XXXX, paid for my return shipment which resolves me of any liability of this package. I do not retain any control over this shipment as I was not the party paying for the shipping cost. Having said that, I expect a full refund of {$1000.00} out of this as I went above and beyond, contacting the merchant, the shipping carrier as well as law enforcement in regards to this shipment. Furthermore, I do not possess this item anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Someone opened a utility bill in my name. I did not authorize this account to be opened.

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a new address, and I have difficulty getting the credit bureaus to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial Services, LLC sent me a collection letter for {$520.00}. I replied to their letter as they requested advising them that this account is not mine. They reported the collection account to my credit on XX/XX/2017. I wrote to the credit bureau to investigate this account for is not mine. The credit bureau replied that they verified the account. I wrote again to the collection agency asking them for the medical signed documents for this debt. They do not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a chapter XXXX bankruptcy in XX/XX/2015 which was switched over to a chapter XXXX in XX/XX/2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the XXXX. It is hurting my ability to recieve any type of loan or anything of that sort.

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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I sent the affidavit as requested from the company XXXX XXXX services due to incorrect debt on my credit report. I reported that my identity had to be stolen because I have never lived in Florida. I sent the affidavit by certified mail # XXXX and have not yet received a response from the company XXXX XXXX Services. In addition, I had to pay for this affidavit {$80.00} when it was not my fault and I expect to receive an reimbursement on my money and most important update my credit report by removing the debt that does not belong to me. 

Below the explanation I sent from the original dispute XXXX : I am reviewing my credit report and notice that I have a collection on my Equifax credit report from a collection company named " XXXX ''. Based on the information I see on the credit report it has to do with a home or apt rent or fee at " XXXX ''. I googled the information and it is from Florida. I have never lived in Florida and I never have given authorization to anyone to use my credit information. I have been living in XXXX XXXX for the last 28 years. My address for the last 13 years is XXXX XXXX XXXX XXXX XXXX and the other home I lived was with my parents at XXXX XXXX XXXX XXXX XXXX XXXX, both address are from XXXX XXXX XXXX. I would appreciate that this is investigated and removed immediately from my credit report and the person who stole my identity to be held accountable for fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
I am not sure to say if it was paid or not mine. AT the time of this service i went to location and was required to pay for the visit because I had no insurance. I was seen and at check out payment was collected. This is their policy since i was un-insured. I have asked numerous times for an agreement signed by me where more money was invoiced. Everything done that day was required to be paid .... They continue to try and collect this debt even though it should not have been billed. Please send proof of visit and charges, as I have asked many times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Harvard Collections, LLC
State: CO

Complaint narrative:
Over 20 phone calls from XXXX in two weeks, at least 2 times per day. The past 5 phone calls have been ; XX/XX/2017 @ XXXX XXXX XX/XX/2017 at XXXX and XXXX XXXX, XXXX at XXXX XXXX and XX/XX/2017 at XXXX XXXX. Will not tell me who the debt is originally from or what the debt is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Regional Processing Services
State: GA

Complaint narrative:
I received a call today from a company stating that their name is " Regional Processing '' ( their phone number is XXXX ) they are threaten to garish my wages for an account from XX/XX/2012. She stated that she would be submitting paperwork to my job to have my checked garnished or I could make a payment over the phone with her. 

I asked was she a debt collector ( she denied ). I asked for the company name that my supposedly account is with ( she could n't give me that information, but gave a random company name - that I have not done business with. I asked for a validation of debt - a contract with my signature ( she stated that she did n't have to give me information and that I should know who my bill is with from XX/XX/2012. 

I informed her that I could not pay a " bill '' that I do not have any knowledge or information about. She threaten again to have my wages garnished if I did n't immediately make a payment. 

The company has called my mother ( yesterday XX/XX/XXXX and today XX/XX/XXXX ) using scare tactics and demanding a payment from her. They are obviously reading off a credit report or some sort because the information that she is stated that they will send people to my home and job ( are old driver license 's number, old/present home addresses, and old employment ) I am being threatened with no resolve. 

If the bill is mine, I have no problem validating it and paying it if it is within reason and the law. 

I need your help please.

Company response to consumer: Closed with explanation