vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-13 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: CA

Complaint narrative:
XXXX XXXX sent me an email describing a bundling package where they handle the billing for the internet services and XXXX XXXX in one package. The price was {$89.00} + tax for both internet and TV services. I called and qualified the items on the email I received from XXXX with the XXXX sales person and he said yes! that is the package I will sign you up for. I asked him to send an email confirming that and he said he needs to complete the sign up process and needs my credit card before he can do that. After installation, the installation Teck. asked me to sign saying that he had finished installation and that I was satisfied with the installation and I did. 3 day later not receiving my email confirmation from XXXX or XXXX I called both of them and they said they would not honor the email sent from XXXX and if I cancelled the {$200.00} a month service they will charge me a early termination fee of {$450.00}. I did cancel and I did not pay their extortion money. Two items have been placed on my credit report. 1. from XXXX who sold it to ( XXXX XXXX ) and they list it as in collection for {$440.00} 2. From XXXX who list it as a charge off for {$240.00}. These two actions have dropped my FICO score from XXXX to XXXX. These are the only derogatory remarks on what was a very solid and well earned credit score. I would like to have both of these items removed. I will attach the email I received from XXXX and the last billing statement from XXXX. Thanks! Sincerely " Victim of XXXX purchasing XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX sent me an email describing a bundling package where they handle the billing for the internet services and XXXX XXXX in one package. The price was {$89.00} + tax for both internet and TV services. I called and qualified the items on the email I received from XXXX with the XXXX sales person and he said yes! that is the package I will sign you up for. I asked him to send an email confirming that and he said he needs to complete the sign up process and needs my credit card before he can do that. After installation, the installation Teck. asked me to sign saying that he had finished installation and that I was satisfied with the installation and I did. 3 day later not receiving my email confirmation from XXXX or XXXX I called both of them and they said they would not honor the email sent from XXXX and if I cancelled the {$200.00} a month service they will charge me a early termination fee of {$450.00}. I did cancel and I did not pay their extortion money. Two items have been placed on my credit report. 1. from XXXX who sold it to ( XXXX XXXX ) and they list it as in collection for {$440.00} 2. From XXXX who list it as a charge off for {$240.00}. These two actions have dropped my FICO score from XXXX to XXXX. These are the only derogatory remarks on what was a very solid and well earned credit score. I would like to have both of these items removed. I will attach the email I received from XXXX and the last billing statement from XXXX. Thanks! Sincerely " Victim of XXXX purchasing 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 non-monetary relief
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I have multiple issues with National Credit Systems , Inc. including, but not limited to : -I have received multiple requests for funds, without an explanation of why the amount is what it is. The collection bill is not itemized and does not reflect what I was actually paying while I was a resident of the collection agency 's client- Piney Point Apartments. So I 'm not sure where this arbitrary lump sum amount of {$950.00} is coming from. -I never once received notification directly from XXXX XXXX XXXX saying that I owed money or that they would be forwarding a balance to a collection agency. They have all of my personal information on file, so there 's no reason why I should n't have been notified before being sent to collections. -Neither XXXX XXXX XXXX nor National Credit Systems , Inc. have informed me when this collection balance became delinquent or when the statute of limitations will expire. -National Credit Systems , Inc. did not disclose that they would be sending the collection balance to my credit bureau immediately, without allowing for resolution first. -National Credit Systems , Inc. never once identified themselves nor did they have any identifying information about me or the specifics of my residency at XXXX XXXX , when contacting me. They also have failed to identify themselves either by name or by licensing number. -I 'm getting random collections calls from every state in America , which seems a little bit shady if this is supposedly a legitimate business based in XXXX , GA. -Legally, the apartment complex had to notify me before forwarding my personal information to a collection agency, which they failed to do. I never once received correspondence directly from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I applied on-line for the card, I entered a balance transfer request of XXXX, it was approved on-line, the website stated that balance would be transferred and the card would sent in a few days. Before I got the card I got a letter ( attached ) that said the balance transfer did n't go through because they did n't have the correct address. No other reason was given as you can see on the letter. I called them to give the proper address, at which point they said they would only approve XXXX for balance transfer. I feel like this was a bait and switch scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Credit Agency : XXXX XXXX Behalf of : XXXX XXXX XXXX The initial delinquency occurred in XX/XX/XXXX however, the credit agency states that the account initially went delinquent in XX/XX/XXXX. They have falsely rolled forward the dates of the delinquency which has the debt appearing newer than it should. I have opened a dispute with the credit agency and have called them directly and they state that the delinquency was accurate but the billing submitted by the original company shows otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
dispute # XXXX XXXX : Spoke to XXXX XXXX on XX/XX/XXXX regarding damaged items that arrived from XXXX. She informed me I had to send photographs and emails exchanged with the vendor of the damaged merchandise. She gave me a fax number to do this. I faxed the photographs to XXXX. I faxed to XXXX the emails I had sent to XXXX. This occurred in XX/XX/XXXX. I spoke to XXXX representatives every subsequent month, regarding the late fees and interest -- I said that since I had an ongoing dispute, these needed to be removed. Every month, they were removed by a XXXX representative, because there was an ongoing dispute. I spoke to representative " XXXX '' in XX/XX/XXXX, regarding the dispute. He also removed that month 's late fees and interest, and told me the dispute had been resolved, and my account was just awaiting reversal of charges from the dispute department. I called again in XX/XX/XXXX -- spoke to " XXXX, '' was told the dispute had been closed in XX/XX/XXXX. This is obviously a lie -- I have spoken to several representatives since XX/XX/XXXX who told me the dispute was being worked on and was open, and finally, that it was resolved. Every representative I spoke to told me the dispute was open and that they would reverse the late fee and interest for the ongoing dispute.

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 2017-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pro Com Services of Illinois, Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report from the reporting agencies, I found an account from Pro Com with the original creditor being XXXX 's. I 've never purchased anything from XXXX 's. This account is negatively affecting my credit, and it 's an account that is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
Upon pulling my credit report from the reporting agencies, I 've noticed an account placed with AFNI with the original creditor being XXXX XXXX. I 've never had XXXX XXXX, as I 've been with current provider for more than 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX keeps calling me even after I have asked them to stop on a recorded line. Furthermore, they will not give me access to my online account so that I may pay my bill. The access issue, as I 'm a  XXXX citizen has caused my account to go past due. Due to the late mark, I am now unable to finance my medical needs. I am requesting that XXXX removes the negative mark and accept payment for the account, but to please give me online access so that I may make the payment. XXXX XXXX 's offshore agents have been less than helpful and seem to have limited access to any helpful information and are hard to understand. Please communicate by mail only. RE : Account ending in 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 2017-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I was issued this loan in 2007 the initial release of funds to the school was just over 9000 dollars now the balance has ballooned to almost 25000 dollars. I dont see how its fair to have to pay back that much money for credits that i can not transfer to a decent school. I have just recently been dicharged in bankruptcy and am still struggeling to get back on my feet financially. I am a single parent of XXXX children, a XXXX united states veteran and can barely afford to feed my self after i pay my immediate bills. I have dealt with Navient/ XXXX XXXX in the past and they are the worst company and worst customer service you can deal with. This is the first notification that I have actually received since before i filed my bankruptcy and it tells me i am in default and my full balance is immediately due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
MCA Management company is a collection agency NOT licensed by the IL Department of Professional Regulations attempting to collect a debt I DO NOT owe. I am attaching a screen grab from the IL dept of Professional ref website license look up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I had {$97.00} charged on my card from a hotel that I did n't even make reservations for and I called the hotel they told me to leave a voice mail for the maneger and then I got told to call and place a report to the cops and I 'm too scared to do that

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and XXXX XXXX and Equifax all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: VA

Complaint narrative:
I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and Trans Union and XXXX all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX  XXXX, NJ 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 2017-08-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was told that if I was looking into a home loan that ... it would NOT hurt my credit. There are sever Hard inquiries on my report that need to have a disolution letter to have them removed. My credit was BETTER before XXXX XXXX and XXXX XXXX and XXXX all got involved. Please help. I have been working 7 days a weeks to repair my credit from an abusive marriage and divorce. I was told the bankruptsy would come off in 7 years and they are several hard inquiries on my account that should NOT have affected my credit score. I had a score of XXXX before they started to " help '' me XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX  XXXX, NJ 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 2017-08-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler & pressler sent there first letter to me on XXXX XXXX,2017 then another on X/XX/17. Then on XXXX XXXX 2017 i recived a court letter said that i am being sued. For a full amount of XXXX. my concern is this debt is for XXXX college of XXXX which I attended years ago when i was XXXX yrs ago. It ended up being a BUG waste of my time & XXXX  actually ended up going out of business. Now i know my intial loans are with XXXX XXXX XXXX XXXX which i think are federal. Which is who i thought i owed & i speak with them & maintain my balance with as much as possible. Im am now XXXX yrs old which a XXXX yr old daughter jus got another apt & am trying to do the best i can as a mother to my child. Now as for this XXXX debt they want from me, i find unfair because they jus recently contacted me this year & its like they came out the blue. I did some research & found out that pressler & pressler have been sued before for wrongfully harrasing people & they lost. Ultimately having to pay XXXX XXXX XXXX. & this happen more then once. Why are they still able to sue people with bery little information about the situation & why the person owes money & how old the debt is. Is there a statue of limitations? I can ensue? I dont wana lose all my hard earned money to them over a debt that im already paying to another institution. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loan payment was due and paid XX/XX/XXXX at XXXX Pacific Standard time. I recieved a payment confirmation through email and I printed out my recipt. I thought that paying a day ahead of time, I should be ok, right? Wrong. My account is now passdue because the paynent is supposedly pending. It is XXXX XXXX Pacific Standard time and it is still pending. I do n't have any banking issues so this sould n't be a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Company
State: PA

Complaint narrative:
I 've called both companies the creditor and credit management company showing the date and that was paid and it was still referred to the credit report.

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 2017-08-13 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: FL

Complaint narrative:
XXXX refuses to investigate credit inquiries not authorized by me these credit inquiries are lowering my score and XXXX refuses to investigate, stating that inquires are a matter of factual data XXXX states that creditors have the right to view my credit without my authorization and affect my credit score and there is nothing I can do about it

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 2017-08-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX refuses to investigate credit inquiries not authorized by me these credit inquiries are lowering my score and XXXX refuses to investigate, stating that inquires are a matter of factual data XXXX states that creditors have the right to view my credit without my authorization and affect my credit score and  there is nothing I can do about it

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 2017-08-13 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: CA

Complaint narrative:
Experian When all bills are paid on time my score never increase twenty points and when late they decrease twenty points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid

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