vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-14 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: NC

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.

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 2018-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SFS, Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX company repeatedly calls my job on a daily basis harassing me and my coworkers about a debt that I do not owe. I have asked them to stop calling my job on multiple occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: PA

Complaint narrative:
This problem is not about a loan I have. I am being harassed by Sallie Mae about my niece 's loan. I am not even a co-signer on it. 

XX/XX/XXXX- I was called by a representative named XXXX XXXX from Sallie Mae . Apparently, when my niece first applied for a college loan in XXXX, she put my name down as a reference. She is having trouble paying right now because she recently had a XXXX XXXX XXXX XXXX XXXX, and is only working part time. So, because my niece put my name down as a reference 10 years ago, these people called me because my niece won't answer her phone. I called them back the same day to complain and I told them not to ever call me again, that they have my niece 's contact information, and I can't make her answer the phone or call. They assured me I would not be bothered again. 

XX/XX/XXXX XXXX - There was a voice mail message on my phone from someone at Sallie Mae. I could not hear the name, but I believe she said her agent number was XXXX. She said her extension is XXXX. Again, she was saying she needs to talk to my niece and wants me to call her back immediately, and wants me to do anything I can to get my niece to return the call. 

I am not getting into my niece 's business and she isn't going to listen to me. I've told my niece to stop avoiding the calls, I can't do anything else. I have enough to do in my own life to help these Sallie Mae people. My husband and I have two elderly mothers and his XXXX sister to care for right now, and I work full time at a very demanding job. I am furious that they called me again after I told them already that I am not going to get involved and they assured me I would get no more phone calls.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: CA

Complaint narrative:
I applied for mortgage and was charged for it along with the appraisal fees after loan officer had input the property itself won't qualify ( guidelines ) I applied for loan # XXXX with XXXX XXXX back on XX/XX/2017 and was charged for the the application along with the appraisal fees later on XX/XX/2017 and XX/XX/2017 respectively and notified on XX/XX/2017 that the loan application was denied. 

The lender claimed that they denied my application because of the high debt, but upon checking the budget for the condo we were trying to finance, the bottom of page 4 says that XXXX is operating at a {$39000.00} loss. I have then come to find that the true reason the lender denied the project is because XXXX requires that the HOA budget operate at a surplus or balance out, and I have confirmed that Movement Mortgage too, like any other bank wouldn't provide a loan in such a case anyway by ( i ) checking with a different Movement loan officer too and ( ii ) checking with another very experienced officer from a different bank who confirmed that no bank would give a loan in this case at all. The reason isn't really the high debt on my end or whatever the mortgage company is claiming therefore. Noting that the bank took so long to deny my application, it was obvious their officers were just trying to prolong the process hoping that I would give up so that I don't blame it on them ( they had the appraisal ordered after they saw the budget, and therefore, shouldn't have ordered it in the first place ). They were extremely irresponsive throughout the process ( so many e-mails I sent they didn't respond to, including the last one I sent requesting a refund ). 
I am attaching the very lengthy correspondence I have had with XXXX XXXX, another Movement loan officer, and with XXXX XXXX, an independent loan officer from another bank too, proving that neither mortgage officers and banks would have approved the loan because of the outstanding debt the budget of the condo complex had in 2017 ( i.e. not because of the so-claimed high debt the officer I worked with claimed ). I am also including the correspondence with XXXX XXXX, from the complex management company indicating that she is aware of the budget deficit too. 

I am also attaching the HoA budget statement and the denial letter I received from the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Applied a credit card for common use and travel reward through XXXX XXXX to XXXX XXXX. Never received card, so complained but still could not get 2-3 months. But I got bill of {$69.00} for no reason just their fees. Call and closed account but balace still remain and kills my credit. After couple of tries, account has been closed but customer service can't help anything.

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 2018-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
On my credit report search, came up with unknown debt notice from weird amount. So called debt collect agency. They said it's one part of bill that related 2015 XXXX. Agency said there is possibility the hospital found out later and just sent to debt collector because it's too old. I paid right off but history remain in my credit report. Never received any bill or information related this service and charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
Tuesday, XX/XX/2018, I received a letter from SIMM Associates , Inc. stating, " Your account has been forwarded to this office for collections. This is a formal demand upon you for your payment of this debt ; however, our client, XXXX XXXX XXXX has authorized us to attempt a discounted payoff of your current outstanding balance. '' They want {$1200.00}. I do not owe anyone this, especially not this much money. I have never heard of " XXXX XXXX XXXX '' nor of SIMM Associates. In other words, I suspect this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
When I got my XXXX XXXX ls they still have my loan on my creit score for XXXX and it should be off by now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX has charged me the entire phone charge for a replacement phone that i received. 
The original phone had several issues, and I was told that I would not have to return the old one. 

I later received a bill that included the entire cost of the old replacement, and when I tried to resolve issues with the bill I was given no other options but to pay the entire balance. 

Since payment was not affordable, the bill could not be paid Original Creditor Name 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 2018-02-14 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: NC

Complaint narrative:
I have a spousal consolidation loan with my ex-husband. I do not receive statements. I do not receive correspondences. I do not receive phone calls. I can not create my own login or manage the account online. I have documentation going back several years to where I have attempted to resolve this problem with the customer advocate office to no avail. I am being held responsible for an account that I have no access to. I am completely dependent on my ex-husband for information on this account. There are other concerns as well. I have been forced on multiple occasions to take high-interest forbearances. I am also very concerned about how the fees and interest have accrued on the account. According to the limited information I have been able to obtain, the account has accrued over $ 317K of interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CIT BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
When I got my XXXX XXXX ls they still have my loan on my creit score for XXXX and it should be off by now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed identity theft with all three bureaus, and Equifax is the only one that refuses to remove 2 identical inquiries done on the same day from XXXX XXXX XXXX XXXX, and two from XXXX XXXX XXXX, after I have submitted disputes 16 times and called 5 times asking them why they are not helping me. I was treated rudely by their staff and given the runaround. I have disputed the inquiries with the businesses and was assured in writing that they contacted all three bureaus. I saw that XXXX XXXX and XXXX   have removed the fraud inquiries, and the two cards that were fraud when my identity was stolen. As far as Equifax, I last emailed them advising I would sue and again provided the police report number and an email from XXXX XXXX XXXX XXXX   stating they contacted Equifax. Still after three months Equifax still refuses to assist me. Ever since their data breach, the fraud activity started with me and ruined my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I was involved in a hit n run accident. The defendants auto insurance paid the value of the car, but that did not satisfy the loan. I paid off the entire loan in full. However, the title and lien release was sent to the defendants insurance company. The insurance co. Only pais for the " fair market value '' of the XXXX XXXX that has been totaled. The loan that I paid off on XX/XX/XXXX is listed on the credit bureau as being paid off by the insurance company. Westlake Financial never reported the paid off vehicle until after I purchased my new vehicle XXXX XXXX XXXX, on XX/XX/XXXX. I had to request that they vehicle paid off, get reported. Therefore my interest rate is 22 %. My new loan is with Westlake, as well. However, they never held up their end of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I never knew that this was on my credit report, until I went on XXXX XXXX and seen this negative information, Ive been sick and I dont know why this is on my credit. Its showing a XXXX gas bill which I dont owe. I never heard of this company until I XXXX them and read all of the negative reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have a collection account with XXXX XXXX XXXX, in the amount of {$630.00}. I called and spoke with a Customer Service Representative with the interest of making a payment for the full amount. I was told that I was unable to due to the account being handled by a law firm called XXXX XXXX XXXX and was given a number of XXXX. I have called the number given to me several times over the past week and am unable to reach anyone, I have also called the below number associated with this law firm with no success : XXXX - closest local office, number is disconnected XXXX - Toll-free number listed on website, also disconnected If XXXX XXXX XXXX is still reporting and updating their collection tradeline monthly on all three of my credit bureau reports ( XXXX, XXXX, XXXX  ) I feel it only appropriate that I am able to pay them directly for this debt as Im unable to reach the law firm handling my account, whom by the way, Ive received absolutely ZERO communications from. XXXX XXXX XXXX have also filed judgement against me without sending me any notifications. The case has been stricken by the court due to the law firm submitting incorrect and outdated documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Balance transfer XX/XX/XXXX completed and the promotional 0 % interest was good through XX/XX/XXXX. I had purchases on the XX/XX/XXXX statement as well and my balance was XXXX including the transfer fee. I paid XXXX on XX/XX/XXXX bringing the balance to XXXX on the XX/XX/XXXX statement. That payment was fully put toward the balance subject to interest. At this point the balance was all 0 % promotional. From XX/XX/XXXX through XX/XX/XXXX I paid XXXX bringing the balance to XXXX. 

In XX/XX/XXXX I made a large purchase on XX/XX/XXXX ( XXXX ). I made a XXXX payment on XX/XX/XXXX. Barclay MasterCard began putting all money paid toward the purchase ( higher interest ). I also made a payment of XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. I was making large enough payments to pay off the promotion on time. In XX/XX/XXXX I realized what was happening and I contacted Barclay. 

They advised they do not put any of the payment toward the promotion and only apply it to the highest interest even though I wanted them to apply it toward the promotion. I was frustrated but not given any options. 

A few days ago as I was reviewing my payments and how they were applied I noticed the promotion/balance transfer amount never went down since XX/XX/XXXX of last year and in fact now has a higher balance. I read that the changes in how payments are applied that occurred in XX/XX/XXXX state creditors must apply the payment to the balance with the highest interest rate first. I also read that the consumer can choose to have the extra payments beyond the minium due applied to a promotion balance. I was never given that choice. I paid more than enough to cover the total XXXX minimum payment due at the point of my XX/XX/XXXX payment. 

I called again Sunday XX/XX/XXXX to ask about that balance transfer/promotion. I was unable to get clear answers from that associate and requested a supervisor. After waiting 15-20 minutes the associate came back on the line and said a supervisor would call me within 24-48 hours. I advised I was concerned that would not happen and I wanted to resolve this issue. 

I did not receive a return call within the 24-48 hour timeframe. I think that company avoided payment on the promotion amount to push it into accruing interest with the purchase balance I made in XX/XX/XXXX. I want to dispute the action they took and believe they should have to go back and correct it. I decided to make a complaint as I was unable to resolve it with Barclay. Ihope to get some help and answers about this issue.

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 2018-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Selene Finance LP
State: CA

Complaint narrative:
Regarding Selene Finance : Recently I applied to refinance my home. The new company I'm working with says that I have a 30 day late payment for XX/XX/2017. I've submitted evidence of my XX/XX/2017 payment being paid on time yet they have continued to report it as 30 days late. They opened an investigation and somehow concluded that it wasn't paid on time, even though I sent them bank statements as well as the check from the bank, showing the date it was paid. ( This was last year when I tried to refiance then as well ) I've tried multiple times to speak with a supervisor of the company and every time I call, I'm told that I need to call back as they are too busy. I've called over 20 times now and still get the same response. Currently I have received a letter stating that they are investigating the situation again, just like they did back in 2017. This process takes up to 60 days and I'm currently trying to refinance my home with another lender, again. The new lender states that we are in jepordy of losing the rate lock due to the amount of time it is taking for my current company Selene Finance to fix their mistake. Please do something to get these people to fix what they messed up. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: NY

Complaint narrative:
Hi there are a few credit inquiries I just noticed on my credit report that don't belong on my report they are fraud and I am a victim of identity theft so please remove they as I am including a copy of my police report. This has been an ongoing problem I am working with police so that I can get justice. Here is a list of what I want removed as it is fraud XX/XX/2016 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