vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax and XXXX are refusing to delete information on my credit report that is clearly dismissed through the court I feel these companies have completely lost the reason they exist which is to CORRECTLY REPORT what they are told .... I feel these 2 companies are more focused on cronyism vs professionalism and I need clarification as to what exactly these companies are and should do as far as Transparency EQUIFAX : is a FRAUDULENT company that has ZERO INTEGRITY and refuse to provide the services to consumers that is deemed worthy XXXX  : is another company I have PAID MONTHLY for their services of which they have not provided BUYER BEWARE DO NOT SUBCRIBE TO XXXX FOR ANY OF THEIR SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
This debt does not belong to me. Contact with company yielded negative results .Would like it removed from 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 explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Ameritech Financial
State: FL

Complaint narrative:
I received a phone call from a telemarketer stating that they were able to help me with my student loans. Because I have been trying to get rid of them I willingly listened and was then transferred over to AmeriTech Financial. The associate, XXXX XXXX came on the line and explained that they helped with reduction and with loan forgiveness of student loans. I know about the forgiveness of loans program and have been trying to get involved with it for quite a while now. 

He had me on the phone for over an hour and all the information that he gave me was improper, though he continued to state that he was on the federal government site and this is what they had for me. 

He sent me a disclosure form to sign so that he could look at my information on the Government Database and asked me to read off the 6 digit number that he sent to me so he could look at my info on the federal government site. No where in his disclosure does he state that he is accessing my personal account with Navient and changing my information on that account. 

After I was off the phone with him, I received an email from XXXX that my username and password was changed. I never gave AmeriTech Financial permission to pull up my XXXX account or change my username or password. I never gave AmeriTech Financial my user name for my XXXX Account and only read them off a 6 digit number that they advised over the phone would give them access to look at my info online and that was me giving them permission to look at the national database. 

I did call the company back as I was upset that I spent all the time I spent on the phone with them for him to want to increase my loan by an additional 10 years so that I can receive a reduced payment of {$70.00} and have $ XXXX off the total of the loan. I complained to a manager who had a solution of putting me on the DO NOT CALL list and that what they do is perfectly fine and many people have many positive solutions, I just didnt have one with them because of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Bank of America trustee filed NOD on XX/XX/2017 and immediately accelerated the full balance without the required 30 days notice per the DOT contract section 22.

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 2018-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
I reported a problem to gm fraud and XXXX XXXX   attempted to cover up For the dealership which is not in accordance with Missouri state law or accessing credit report. They write me on XXXX  saying someone would contact me but has not yet. Gm is committing anti trust by not offering my llc .. XXXX XXXX the same loans it offers XXXX  business owners in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX and Experian are refusing to delete information on my credit report that is clearly dismissed through the court I feel these companies have completely lost the reason they exist which is to CORRECTLY REPORT what they are told .... I feel these 2 companies are more focused on cronyism vs professionalism and I need clarification as to what exactly these companies are and should do as far as Transparency XXXX : is a FRAUDULENT company that has ZERO INTEGRITY and refuse to provide the services to consumers that is deemed worthy EXPERIAN : is another company I have PAID MONTHLY for their services of which they have not provided BUYER BEWARE DO NOT SUBCRIBE TO EXPERIAN FOR ANY OF THEIR SERVICES

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 2018-06-14 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: DE

Complaint narrative:
I have a few accounts on my credit file that are not mine and I am not responsible for and/or payments made on time. Please see the following : 1. XXXX XXXX ( {$1300.00} ) balance reflected. This is not my account and I do not owe anything to this company.

2. XXXX XXXX XXXX XXXX ( {$370.00} ). This account has been fully paid as agreed. I have never been late and account was paid in full.

3. XXXX XXXX XXXX XXXX ( {$0.00} ). This account shows a history of late payments, but I always paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I prepaid capital one XXXX dollars for there secured ctedit card. I never used the card and closed my acct they refuse to refund me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This about an AMEX business card. One of my employees was given a card for business purchases in XX/XX/XXXX. I discovered she was using this card for personal items and misrepresented herself. I closed the account in XX/XX/XXXX when I discovered the misuse. I reported this to AMEX and they closed her card and investigated {$21000.00} in fraudulent charges that were used for her personal use. They credited my account but in XX/XX/XXXX they recharged my account stating that since, it was a business account and I gave her a card, they were not responsible. Subsequently I submitted the information to the District Attorney and they prosecuted her and she is now in XXXX  due to XXXX XXXX  and XXXX XXXX. I told AMEX that the legal system takes time and paid down some of the debt but wanted to freeze any other payments. AMEX did not care and they sent the debt to collection. XX/XX/XXXX I re-opened the fraud case with AMEX and they requested information from the district attorney which she gave to them ( this includes a letter from the perpetrator admitting her guilt ). They said they would let me know in 30 days and I still have not heard any information from them as of XX/XX/XXXX. They offer no protection to me despite the government and legal system corroborating the criminal misuse of my credit card with AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I had a balance of $ XXXX.A check for {$32.00} was cashed causing an overdraft of - $ XXXX.My account was charged a {$36.00} overdraft fee causing a negative balance - $ XXXX.I called the bank and they refused to reverse it! The fee is 7 times more than the negative amount! On XX/XX/XXXX I had a balance of {$49.00} two checks came in one for {$30.00} and one for $ XXXX.The bank put the {$93.00} first and the {$30.00} second causing 2 overdraft fees for $ XXXX.If the put the {$30.00} first I would have only paid one fee! I admit I overlooked the first check.

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 2018-06-14 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: The CMI Group, Inc.
State: FL

Complaint narrative:
This account is in someone else name a XXXX XXXX my name is XXXX XXXX I have never had XXXX account in my name my XXXX account is in my wifs name XXXX XXXX this is not my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Web site is broken. Incapable of generating a free credit report. Gives message : " System Error '' ; " We are experiencing technical difficulties. '' See unresolved complaint XXXX and attachments.

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 2018-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I have had a credit card account with Care Credit/ XXXX XXXX since XX/XX/2014, I was informed today that last month I made my payment 10 days late and was to be charged a XXXX dollar late fee. I contacted the issuer and they said " if your late you have to pay as a penalty for being late '' I have been an on time paying ( verifiable by payment records ) customer for 4+ years and to gouge myself and others alike given this is a medical expense credit card is immoral and unethical.

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 2018-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have a few accounts on my credit file that are not mine and I am not responsible for and/or payments made on time. Please see the following : 1. XXXX XXXX ( {$1300.00} ) balance reflected. This is not my account and I do not owe anything to this company.

2. XXXX XXXX XXXX XXXX ( {$370.00} ). This account has been fully paid as agreed. I have never been late and account was paid in full.

3. XXXX XXXX XXXX XXXX ( {$0.00} ). This account shows a history of late payments, but I always paid on time.

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 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have a few accounts on my credit file that are not mine and I am not responsible for and/or payments made on time. Please see the following : 1. XXXX XXXX ( {$1300.00} ) balance reflected. This is not my account and I do not owe anything to this company.

2. XXXX XXXX XXXX XXXX ( {$370.00} ). This account has been fully paid as agreed. I have never been late and account was paid in full.

3. XXXX XXXX XXXX XXXX ( {$0.00} ). This account shows a history of late payments, but I always paid on time.

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 2018-06-14 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: MI

Complaint narrative:
Navient cashed my check of {$7000.00} on XX/XX/XXXX.  When it didn't credit my account, I called and was told that the payment was sent to the wrong address and that it would take 4-6 weeks to get my refund. 

Refund NOT received by XX/XX/XXXX. Told that refund was sent to department of treasury on XX/XX/XXXX and that processing takes 4-6 week before I receive refund via US mail. I will receive refund by XX/XX/XXXX. **Requested letter that documents this, but the letter has not been received. 

Refund NOT received by XX/XX/XXXX. Told that the check was approved by Dept of Treasury on XX/XX/XXXX. I should wait another week and call back. 

Refund NOT received by XX/XX/XXXX. Told that the check was processed incorrectly and will be another 2 weeks. They will send money electronically to speed up process. **Requested letter to document this, but letter has not been received. 

Refund NOT received by XX/XX/XXXX. Told that my account does not show that the check has been sent. The US Treasury has approved the payment, but we have to wait on them. Told to call back tomorrow. ***Said a " manual '' letter, documenting this problem has been drafted ( but I have not received any letters as of XX/XX/XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITYTHEFT. A HAND WRITTEN LIST OF 9 ITEMS IS ATTACKTO THE LETTER.

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 2018-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Consumers Inc
State: VA

Complaint narrative:
This company has been harassing me for almost a year now. My phone does not ring but instead goes straight to voicemail where they constantly leave robo messages. At first, I tried adding their number to my cellular phone 's " Block '' list but that didn't help. 
Out of complete frustration, I did some research on how to stop these calls. I found out about the National Do Not Call Registry and took the proper steps to register my phone number on XX/XX/XXXX. I am aware that it can take up to 31 days for the calls to stop but they were relentless. I then filed a complaint with the National Do Not Call Registry ( not sure of the date ). On XX/XX/XXXX, I filed a complaint with the FCC about the same company which is United Consumers. I was still being flooded with calls. On XX/XX/XXXX, I filed another complaint with the FCC. Since doing so, the calls continue. I have tried calling the number back to speak to someone and it's a robo message and only a message can be left. On XX/XX/XXXX, I left a message including my phone number and asked that they stop harassing me and stated to them that I am on the National Do Not Call Registry and that I also filed complaints with the FCC. I also told them that if they insist on continuing to call that I would take more drastic measures if the calls do not stop. Low and behold, the calls ( voicemails ) continue. I have no idea what this matter concerns because I can never get a live person. On the robo voicemail, it leaves another number to call to resolve the issue and I have tried calling that number, only to get the exact same robo message and no live person. Now, they have resulted to, not only calling from their " standard '' number, but have now started calling from another number as well from the exact same company. I am hoping that you can be of assistance and if not, I am only left with filing a class action suit. The calls that I began documenting are as follows : ( all in the year of XX/XX/XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, the calls began well before that time. Thank you for your time.

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 2018-06-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I have notified lendmark several times that I am in school and I will work with them on my payments. They continue to call my grandmother and told her the debt I had and what they were looking for. They are not allowed to share my information with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email from Checkr who performed a background check for XXXX. The information on the criminal background check is incorrect and I would like this to be resolved immediately. Checkr states I pled XXXX XXXX on a XXXX XXXX XXXX on XX/XX/XXXX. The court records clearly states the charge was Dismissed. Ive attached the consumer report along with the court records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
I have disputed this debt numerous times. I sent Diversified Consultants a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute Diversified consultants has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Diversified consultants : I am writing this letter in response to the phone call/letter received from you on ( Date ).  In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITYTHEFT. A HAND WRITTEN LIST OF 9 ITEMS IS ATTACKTO THE LETTER.

Company response to consumer: Closed with explanation