vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
I have been getting phone calls from this collections agency that have escalated recently, about a debt/account that is in my credit file/report at the credit bureaus that I have repeatedly told this agency is not mine. I have never been to XXXX XXXX XXXX, nor have I received treatment from this organization. I have tirelessly told this collection agency this fact, but they still keep contacting me. This collection agency has even gone as far as to offer me a settlement, even though I told them this debt is not mine and that I have no idea what they are talking about. It even got to the point one time when I gave an amount of what I can settle for, because I was thinking that if I did this, it would cease the phone calls in which I state over and over, what seems to be in vain, that the debt is not mine. However, after thinking it through I knew it was wrong and that this company is taking advantage of me, especially after the one representative stated that he would put me on hold to see if his supervisor would agree with my offer, only to have the same representative come back on the phone in an obvious disguise of voice ( as " the supervisor '' ). This collection agency would call from multiple area codes, as a way to further deceive me. This collections agency has even gone as far as to call me from an area code that is the same as my employer, possibly as a way to get me to answer. I am filing this complaint because I have never been a patient of XXXX XXXX XXXX, and this collection agency has placed a debt on my credit report for XXXX XXXX XXXX that should not be there and was incurred fraudulently. Furthermore, this complain is because this collections agency is not considering taking steps to address the situation of this debt not being mine nor are they concerned that they are harassing me for what is definitely identity theft. Instead of fixing the problem, they just want to extort money, at the expense of a consumer.

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 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX on a Credit Line Increse where I spoke with XXXX XXXX and state I wanted to purchase a XXXX Laptop priced at {$890.00} upon XXXX going to the back to get the Laptop I spoke with another Sales Associate by the name of XXXX I explained to here that I wasnt really happy with the fact that the Laptop wasnt on display she explained that they couldnt open the box to show me because because it was sealed and i would have to purchase it to see it, also I asked XXXX if I could have the Laptop on a sperate account XXXX  informed me that to do that XXXX would have to run my credit report again at that point I told XXXX  that I didnt want my credit ran for a separate account so I would just add it to my other account. Shortly after Associate XXXX returned with the boxed laptop. I gave him my letter and he began to ask me for information such as my phone number, address driver license number and social security number it was never stated that he would have to run a credit report to see if I qualified since this is some of the basic information XXXX uses when you call in to identify you. I never gave permission XXXX run my credit report since this is something that I didnt wat done since Im working on repairing my credit. When Associate XXXX informed me that I would have to do a lease purchase to get the computer I asked why since i was already approved for a credit line increrse Associate XXXX stated that he spoke with his manager and that was what was required, not understanding so I my fianc ( XXXX XXXX ) who was with me doing this event stated that i should call the corporate office so I did thats when I found out that XXXX had ran my credit WITHOUT MY PERMISSION. At this point i was very upset so I called XXXX and asked for the Manager XXXX and I stated my concern to hi at which point he stated he would talk to XXXX, unfortunately this does not help my credit score sine it will show up as a hard inquiry take will stay on my account for 2 years. At this point I need to know what can be done to have this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: TN

Complaint narrative:
I have made a complaint agains PMAB LLC with the credit bureaus as well as the CFPB about a debt that is not mine. The first complaint they said they sent something in the mail to me i have not received. Second i sent in a validation request on the account. I mentioned to them that if it is being reported to the credit bureaus before i validate it i would file a complaint. Well here goes that complaint. They removed it from my credit reports and then not to long after they told CFPB they sent me something and CFPB closed the account they re-inserted it back on to my credit report. I did not have a chance to validate as i don't have what they claim they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: WA

Complaint narrative:
I was given a pre-approval letter stating exact dollar amount and that this had underwriting approval. several days before close I was told I do not qualify. then after my rate lock expired I was told they could fix it and they would close on the loan, however at a much higher rate and less amount financed. the mortgage originator than told me that I could close at the higher rate and lower amount financed and make payments to the previous owner on the side with out the mortgage company knowing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX is attempting to collect on a debt that I have paid with XXXX XXXXXXXX XXXX. They can't collect on a debt that I paid directly with the creditor. see attached email receipt from XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
In 2015 I attended at XXXX XXXX college. I have two loans one through Sallie Mae ( wish they pushed me to go through ) and one through Navient. A few years ago I enrolled in auto pay through Navient. I called a customer representive and asked how much my balance was, I was told XXXX which is what I took my loan out for. What was really upsetting I was so so shocked I couldnt even talk, I was brought to tears, was the fact that I have been paying {$40.00} every month faithfully ( getting taken out of my bank account ) and I have not done anything to my total amount paid. I am so disappointed, I work full time and paying my Sallie mae loan every month is more expensive then a car payment. I really need to speak to someone that actually knows what they are talking about. I made the decision to go to college, and the representatives they have working for them do not take that under consideration, they want to take advantage of young people and not properly explain that I would be paying back XXXX for the rest of my life. Never have received a paper statement where I was for the month, like I do with Sallie Mae. I really need someone educatied and willing to help because I have a large debt and I need someone that is understanding and not looking to take advantage of me. I work very hard for the money I do have and hearing what I owe is the same I took the loan out for just seems very skeptical. Ive heard of Navient doing shady things, but I have never experienced it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Premier Holdings
State: TX

Complaint narrative:
A woman named XXXX XXXX called me from XXXX and left very threatening voicemails on my cell phone. She claimed to be an attorney, then later a Legal Mediation Company, owned by Premier Holdings group. She claimed there was some sort of nefarious legal mess I was in that was being turned over to XXXX County, City of XXXX, where I lived to a Grand Jury and that I would be arrested, prosecuted, and my life destroyed. She also called me on my job. I do not carry any debts and do not know what this person is even referring to. Anytime I try and call her back she screams and refuses to give me information about my supposed account. Please help me with this situation. I feel concerned that she is crazy and dangerous. She left yet another voicemail with this imaginary case number XXXX. 

Thank you for your help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on a debt that I have paid with XXXX XXXXXXXX XXXX. They can't collect on a debt that I paid directly with the creditor. see attached email receipt from XXXX XXXXXXXX

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 2018-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX is attempting to collect on a debt that I have paid with XXXX XXXXXXXX XXXX. They can't collect on a debt that I paid directly with the creditor. see attached email receipt from XXXX XXXXXXXX

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 2018-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Placement Services, LLC
State: AZ

Complaint narrative:
This was included in my Chapter XXXX Bankruptcy but is still reflecting on my credit profile.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: OH

Complaint narrative:
I have written dispute letters to Equifax, XXXX and XXXX in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I called customer service from TransUnion and they refuse to take care of the credit inquires that were unauthorized. I called the creditors and said it doesn't show on there end and it's the error with transition since it doesn't show that they pulled my credit on their end. I believe I am a victim of there inquires issues. I asked if I can dispute it and said they don't have a dispute process like the other credit bureaus that you can call or dispute online wrong information on your 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 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX on a Credit Line Increse where I spoke with Asocciate XXXX and state I wanted to purchase a XXXX Laptop priced at {$890.00} upon XXXX going to the back to get the Laptop I spoke with another Sales Associate by the name of XXXX I explained to here that I wasnt really happy with the fact that the Laptop wasnt on display she explained that they couldnt open the box to show me because because it was sealed and i would have to purchase it to see it, also I asked XXXX if I could have the Laptop on a sperate account XXXX informed me that to do that XXXX would have to run my credit report again at that point I told XXXX that I didnt want my credit ran for a separate account so I would just add it to my other account. Shortly afteXXXX XXXX XXXX returned with the boxed laptop. I gave him my letter and he began to ask me for information such as my phone number, address driver license number and social security number it was never stated that he would have to run a credit report to see if I qualified since this is some of the basic information XXXX uses when you call in to identify you. I never gave permission Tom run my credit report since this is something that I didnt wat done since Im working on repairing my credit. When Associate XXXX informed me that I would have to do a lease purchase to get the computer I asked why since i was already approved for a credit line increrse Associate XXXX stated that he spoke with his manager and that was what was required, not understanding so I my fianc ( XXXX XXXX ) who was with me doing this event stated that i should call the corporate office so I did thats when I found out that XXXX had ran my credit WITHOUT MY PERMISSION. At this point i was very upset so I called XXXX and asked for the Manager XXXX and I stated my concern to hi at which point he stated he would talk to XXXX, unfortunately this does not help my credit score sine it will show up as a hard inquiry take will stay on my account for 2 years. At this point I need to know what can be done to have this corrected.

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 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX on a Credit Line Increse where I spoke with Asocciate XXXX and state I wanted to purchase a XXXX Laptop priced at {$890.00} upon XXXX going to the back to get the Laptop I spoke with another Sales Associate by the name of XXXX I explained to here that I wasnt really happy with the fact that the Laptop wasnt on display she explained that they couldnt open the box to show me because because it was sealed and i would have to purchase it to see it, also I asked XXXX if I could have the Laptop on a sperate account XXXX informed me that to do that XXXX would have to run my credit report again at that point I told XXXX  that I didnt want my credit ran for a separate account so I would just add it to my other account. Shortly after Associate XXXX returned with the boxed laptop. I gave him my letter and he began to ask me for information such as my phone number, address driver license number and social security number it was never stated that he would have to run a credit report to see if I qualified since this is some of the basic information XXXX uses when you call in to identify you. I never gave permission Tom run my credit report since this is something that I didnt wat done since Im working on repairing my credit. When Associate XXXX informed me that I would have to do a lease purchase to get the computer I asked why since i was already approved for a credit line increrse Associate XXXX stated that he spoke with his manager and that was what was required, not understanding so I my fianc ( XXXX XXXX ) who was with me doing this event stated that i should call the corporate office so I did thats when I found out that XXXX had ran my credit WITHOUT MY PERMISSION. At this point i was very upset so I called XXXX and asked for the Manager XXXX and I stated my concern to hi at which point he stated he would talk to XXXX, unfortunately this does not help my credit score sine it will show up as a hard inquiry take will stay on my account for 2 years. At this point I need to know what can be done to have this corrected.

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 2018-08-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC

Complaint narrative:
IQ Data International is the collection agency that was retain by XXXX XXXX XXXX XXXX XXXX the say i old a balance of XXXX dollars which is incorrect i am tired because XXXX XXXX XXXX XXXX  compromise my information and file a eviction on me in this XXXX this year i have attached all of the court documents

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 2018-08-22 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: FL

Complaint narrative:
American Express ( the company ) has repeatedly refused to resolve a dispute in my favor in spite of extensive evidence being provided to them. The charge in question is for {$1300.00} which was charged on XX/XX/2018. The purchase was a non-refundable airline ticket. This ticket was canceled with the merchant on the XXXX in accordance with DOT regulations and was made more than 7 days prior to departure. In spite of providing this evidence and evidence from the merchant 's website and the full Department of Transportation 's regulation but the company has refused to resolve in my favor. They declined my dispute and stated, " the ticket was non-refundable ''. After providing further evidence that the ticket was due a refund, they have changed their story stating the ticket was not canceled within 24 hours. This unfair practice violates UDAAP. After calling the merchant and stating the call was being recorded, they acknowledge asked for the electronic ticket number and agreed that the ticket had been canceled within 24 hours and was due a refund. The company refused to accept this evidence and has continued to deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My account has been restricted for well over a month and no person from the entire company can say what the problem is either in writing or by phone. I guess I am entitled to some kind of response from the company that I have been doing business with and making payments for a long 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