vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-30 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: IN

Complaint narrative:
I disputed a judgement with Equifax case #  XXXX  that was reporting inaccurate. Equifax sent me my results back as the item had been deleted.  Three days l ater I checked my report it was still showing inaccurate. I called Equifax to see what was going on. after been on hold for over an hour with the first rep, then she transferred me to the mixed dept after going back and forth with the Rep she then refused to let me speak to a supervisor. She came back on the line and said that the supervisor stated that the results we 're sent to me in error they we 're not complete. I then told her that they we 're out of the 30 days window. She then reply that there was nothing she could do that the results were complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I accidentally made double payments on the tax ( once from the escrow and once by myself personally ). The county sent back one of the payments to the Mortgage company ( XXXX. The Mortgage Company had transferred my account to another Mortgage Company ( Freedom Mortgage ). XXXX sent the money to Freedom Mortgage. Freedom Mortgage has received this amount ( They have the XXXX Tracking number and the package has been received by them ).
I have requested them to send this money back to me. They have asked me to obtain Proof of Payment from XXXX etc. Despite many attempts to coordinate this effort between the two companies, I have not received my money.

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 2017-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute   XXXX    XXXX   XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30 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: AL

Complaint narrative:
XXXX   XXXX ,    2016   Opened Date   XXXX  {$320.00}. I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX   2016 ,  Opened Date.   XXXX   XXXX  {$610.00}. I was told that i was no longer liable for this credit line.

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 2017-05-30 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: AL

Complaint narrative:
XXXX   XXXX ,    2016   Opened Date   XXXX  {$320.00}. I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX   2016 ,  Opened Date.    XXXX    XXXX  {$610.00}. I was told that i was no longer liable for this credit line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Had a Doctor a ppointment, amount charged was not covered by my insurance, the admin suggested to open  " Credit Care Card '',  with no interest payments for 18 months.   My balance was {$1600.00} and at {$100.00} per month I thought no problem. Just recently had unexpected   XXXX    expense which I was able to put on the card. This brought the balance up by a couple hundred, ag ain I thought no problem. The invoice I received in  XXXX  and  XXXX  indicated to pay balance in full to avoid interest charges. Because my balance was so low, I did not think much of this. However my  XXXX  bill the interest applied was more than the balance I owed!

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 monetary relief
Consumer complaint received 2017-05-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXHIBIT A - herein annexed Personal information, page 25 of 26 of Experian credit report number 1 XXXX , Dated  XX/XX/XXXX  showing PO BOX address with an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.
<P/>
On  XX/XX/XXXX ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any PO BOX address in their records, therefore, they can not report such PO BOX to anyone.
<P/>
As a result, this PO BOX address must be removed from ALL credit reporting agencies.
<P/><P/>
EXHIBIT B - herein annexed Account in good standing page 20 of 26 showing   XXXX   XXXX   with the same Address identification number  XXXX  that establishes a link between PO BOX address and this credit grantor,   XXXX   XXXX  .
<P/>
On XX/XX/XXXX ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any PO BOX address in their records, therefore, they can not report such PO BOX to anyone.
<P/>
As a result, this PO BOX address must be removed from ALL credit reporting agencies  .

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 2017-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have previously attempted to dispute several inquiries that are a result of true name identity theft, on multiple disputes I have provided a copy of the police report and TransUnion says this police report ca n't be accepted as it 's not " Real ''? This police report is directly from  XXXX  Police records and can be called in to verify that this is a fully accurate police report.
<P/>
The disputed inquiries are :   XXXX   XXXX   ;  XX/XX/XXXX    XXXX   XXXX   XXXX   ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX  ;  XX/XX/XXXX  XXXX  ;  XX/XX/XXXX    XXXX   XXXX    ;   XX/XX/XXXX   XXXX  ;  XX/XX/XXXX   XXXX   XXXX   ;  XX/XX/XXXX    XXXX    ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX   XXXX   XXXX   ;  XX/XX/XXXX   XXXX  ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX  XX/XX/XXXX  All these inquiries are a result of True Name Identity Theft, they are not my inquiries. I have attempted to send letters the listed companies, some replied needing additional information, I refuse to give them my social as I am a victim of identity theft and I am very cautious and careful of who gets my social. Some of the companies were not even able to find anything as to why the inquiry was run.
<P/>
Furthermore these inquiries are affecting my credit score.

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 2017-05-30 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Balance transferred ( via mai l ) f rom  XXXX  Bank to Citibank on  XXXX / XXXX / 17  remaining principal of {$9200.00} prior to 0 % interest offer expiring on  XXXX / XXXX / 17  (  1st a ttachment ). Citibank did not post the balance transfer ( see Complaint  XXXX  ). Paid minimum payment of {$130.00} to  Citibank for billing cycle that balance transfer was to pay-off. Reissued balance transferred ( via mail ) from  XXXX  Bank to Citibank o n  XXXX / XXXX /   17  remaining principal of {$9100.00}  ( 2nd att achment ). The second at tempt Citibank did post the balance transfer, thus fulfilling the remaining principal. Called Citibank to have them close my account and reverse the late fee ( s ) and interest, but as the last two attached statements show, they did not do the reversals. The account has now been closed, but the statements still   show late fee ( s ) and interest.

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 monetary relief
Consumer complaint received 2017-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: FL

Complaint narrative:
Hello, You helped me obtain a refund from  Netspend for {$14.00}. Unfortunately, their check bounced. I was charged a {$12.00} fee by my bank. This  unusable card has now cost me {$26.00}.

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 2017-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I submitted a application to  Round Point mortgage  requesting a Deed in lieu. I do not want to keep the house because I can not afford it. I have attended workshops for struggling home owners like myself and have learned that the best option would be to do a Deed i n Lieu. I have faxed Round Point all the requested documents to be reviewed for a Deed in lieu however ; now Round point is re questing a listing agreement. I asked them why since I am not planning to put it up for sale because I do not have time to do all of that. I have asked a Round Point Agent to be provided a Deed in lieu as soon as possible because I have a very ill father and I need to travel out of town to see him. I do not have a time frame on as to when I will come back to  the USA. I want to finish the Deed in Lieu process before I travel out because I do not want to keep the house. I rather return it to Round Point and walk away. Please help me I am scared that my father might pass before I get to see him. I honestly feel Round Point intentions are to prolong my case so my home can finally foreclosed instead of them offering a Deed in lieu. I am still willing to work directly with Round Point so we can have th is issue resolved as soon as possible.

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 2017-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Account Resolution Service  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX   XXXX  Amount  XXXX  was paid to   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Date open  XXXX / XXXX /   2012  Talked to  XXXX  and I was told that I do not owe any payments to them, called ARS and told them so they can remove from my credit report, as of today they still have this on my credit report wanting me to pay them. Also   XXXX   XXXX   XXXX   XXXX   do not use collections agencys

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 2017-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I contacted Transunion in writing regarding incorrect names, addresses, and inquiries showing on my credit report on  XXXX   XXXX ,   XXXX   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and their failure to respond appropriately.   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and their failure to respond at all to my correspondence sent on  XXXX   XXXX ,   XXXX  .   I contacted Transunion in writing on  XXXX   XXXX ,   XXXX   regarding the same issue and have yet to receive a response.   Finally, I contacted Transunion in writing  XXXX   XXXX ,   XXXX   regarding duplicates of these inquiries showing up with current dates that are unauthorized by me and have yet to receive a response and all of the incorrect information is continuing to report on my credit report.

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 2017-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, My name is   XXXX   XXXX   and I am contacting you on behalf of my grandmother   XXXX   XXXX   XXXX  . My grandmother is getting ready to retire and I am trying to get her finances handled and have come across some discrepancies. She has a SEARS card that she did use but stopped about 2 years ago and continued the payments as billed to her and her balance never went down. I have looked into her purchase history and nothing warranted the a approximately three thousand dollars. I believe that the interest and services fees are what kept her from minimizing the debt over the last couple years. I 'm hoping by contacting you that you can find out if there was any wrong doing over this matter. She has been for the most part a pretty loyal customer of theirs until they left the local area.
<P/>
Thank you for your time and patience,   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 2017-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
I was sent to collections and received a letter about a past due amount with  XXXX   XXXX   XXXX   XXXX  out of  XXXX , IL. I sent proof to Collections Professionals that this debt was paid back in  XXXX  and was required to send them proof, which was faxed ov er. Collections Professionals, Inc (   XXXX  ) did nothing to verify that the debt was paid in full. I then received additional correspondence requesting the debt to be paid and had to call them a second time showing that the money was deposited from the insurance company into the Bank account of  XXXX . I believe it is a violation of  the Fair Debt and Collections Act no t to investigate and confirm the debt has been paid prior to repeatedly contacting me to pay the debt.

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 2017-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On :  XXXX   XXXX ,  2017 , I submitte d two  requests to : Bank of America, on behalf of my Residen t Manager   XXXX   XXXX , to get proof that I have a Safe Deposit Box with Bank of America in the  XXXX   XXXX   XXXX   XXXX , in :  XXXX   XXXX , CA so with that proof I can get re-certified for being there at my Unit with :  XXXX . So far Bank of America, has not send any proofs to :  XXXX   XXXX  the Resident  Manager  at :  XXXX   XXXX  Apartments, in :  XXXX , CA to prove that I have a Safe Deposit Box with Bank of America in the  XXXX   XXXX   XXXX   XXXX , in :  XXXX   XXXX , CA so with that I can get re-certified for being there at my Unit as a Tenant of hers.

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 2017-05-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
EXHIBIT  XXXX  - herein annexed.   Personal information, page   XXXX  of  XXXX   of  XXXX  credit report number  XXXX , Dated    XXXX   XXXX   XXXX      showing  XXXX   XXXX   address with  an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.  <P/> On    XXXX   XXXX   XXXX     ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any  XXXX   XXXX   address i n their records, therefore, they can not report such  XXXX   XXXX   to  anyone.  <P/> As a result, this  XXXX   XXXX  address must be removed from ALL credit reporting agencies.  <P/><P/><P/> EXHIBIT  XXXX  - herein annexed.   Account  in good standing page   XXXX   of  XXXX  showing   XXXX   XXXX   with the same Addres s identification number  XXXX  that establishes a link between  XXXX   XXXX   address  and this credit  grantor,     XXXX   XXXX    <P/> On   XXXX   XXXX   XXXX    ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX    address  in their records, therefore, they can not report such  XXXX   XXXX   to  anyone.  <P/> As a result, this  XXXX   XXXX   address  must be removed from ALL credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute   XXXX   on credit report number XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
OnXX/XX/XXXX, I was notified of a garnishment that would soon commence by the Human Resource department. After reviewing the summons signed by judge, I was able to ascertain a case number for the judgement. The summons was submitted by Plaintiff : c/o XXXX XXXX XXXX, XXXX Aldridge Pite Haan XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX. XXXX. APH File number : XXXX. This is where it gets squirrely. Based on the case #, I was able to pick up copies from the court house., XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , Attorney at Law - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , GA XXXX XXXX filed a suit stating an amount owed of {$1000.00} plus $ XXXX-attorney fees ; interest {$350.00} and court costs of {$100.00} totaling {$1600.00} with {$5.00} FiFa fees. Included are also 4 different bills for sale for companies that are all out of business. There is also a generic cardmember agreement for XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX  filed an affidavit for breach of contract and failure to file answer with court. I have no contract. I never received copies of the summons nor judgment. XXXX XXXX XXXX sold account to Aldridge Pite Haan, which have filed to enforce judgement by way of garnishment. However, After contacting XXXX XXXX XXXX to ascertain what the debt claim is for, they advise they have no information and are working solely from the judgment. The current company Aldridge Pite Haan, also state they do not have any information regarding the debt. Aldridge Pite Haan filed for garnishment in the amount of {$2800.00}. I do not know what this debt is and unable to trace through my credit report either. Please help! I have exhausted all avenues to trace the origin to no avail, as all are out of business or claim to not have the information. I do n't understand how companies can file legal paperwork with no proof of debt. In my attempts to research, I also found documentation of shady business practices by XXXX XXXX XXXX XXXX XXXX. I believe my case falls within claims against XXXX XXXX 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 2017-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I reached out to Navient a year ago for assistance with lowering my student loan monthly payments and I was directed to complete the details through StudentLoans.gov for consideration. I was approved for a lower payment of approximately {$70.00} per month of which I paid {$100.00} each month on time. My time for renewal (  XXXX  ) came and again followed the same steps outlined by Navient to go through StudentLoans.gov. I submitted all of the details requested and one question that was asked was " was there an increase in income '' of which I answered " No '' because my income situation has not increased. I was approved for for income driven repayment, but my monthly amount has increased from {$70.00} to over {$220.00} of which I can not pay and is putting me in default. I need help to bring the monthly amount due down to something I can pay. I do not know what to do.

Company response to consumer: Closed with explanation