vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently found an item on my credit report with all 3 bureaus ( XXXX, Experian, and XXXX ). With XXXX, the fraudulent account appears as " Indiana XXXX XXXX '' with date open of XXXX and account balance {$19000.00}, account # XXXX. With Experian, similar information is listed with the addition of an address and phone number : XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX This address is for Indiana University XXXX XXXX, but the phone number takes me to what I believe to be fraudulent individuals attempting to get me to make payments for a loan I did not originate. I have also been getting letters and voicemails from individuals claiming to be associated with Indiana University that I have not responded to due to the appearance of fraud. The most recent of these voicemails was left on my cell phone on XXXX XXXX, 2017 at XXXX from phone # XXXX. The voicemail reads, " Hi I 'm trying to reach XXXX XXXX, this is XXXX with Indiana University, please give me a call at XXXX, option 6, thank you. ''

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 2017-12-26 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Since XX/XX/XXXX Chase has been illegally running hard inquiries on my credit report WHEN I HAVE NOT APPLIED FOR CREDIT. I have filled numerous reports including police reports and they have not stopped yet. XXXX is participating by not removing the hard inquiries even though THEY KNOW that I DID NOT APPLY AND THEREFORE THE CREDIT HAS BEEN RUN AGAINST THE LAW! XXXX has acknowledge that they are fraudulent and have removed there erroneous and illegal inquiries. I am filing this new complaint because they are doing it AGAIN on XX/XX/XXXX according to my credit monitoring company and to a letter that I 've received in the mail today. I have  filed a FCRA Federal Case against Chase and XXXX and am filing this with you because it has n't stopped and its your job to take action and reports on problems such as this. In XX/XX/XXXX Chase left out the " XXXX '' on the fake inquiries after I complained to you about it. In XX/XX/XXXX Chase has included " XXXX '' again. I HAVE NOT APPLIED THROUGH XXXX OR OTHERWISE AND THEY ARE DOING THIS ILLEGALLY AND I WANT CHASE TO STOP AND WIPE ME FROM THEIR SYSTEM. THEY SHOULD BE AWARE THAT THEY DO NOT HAVE THE RIGHT TO USE MY INFORMATION BECAUSE IT WAS NOT SUBMITTED BY ME! I ALSO WANT XXXX TO REMOVE THE ILLEGAL INQUIRIES AS THEY SHOULD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
I disputed an account the showed up on my credit file. It was XXXX XXXX XXXX XXXX. Directly after the dispute the item changed to XXXX. Then when they did not respond the item was removed from my credit file. Neither the original account or the second name of the original account are on my credit file. I never recognized this item. It is identity theft. 

After the items were removed from my credit file I got a letter from AFS in the mail trying to collect the debt. When I called the company as the letter requested, the person on the phone did not know who consumerfinance.gov was, refused to acknowledge that the accounts have already been removed from my credit file. I tried to explain that the debt his company purchased was not valid. He refused to listen. He offered me no solutions for the hishap. He didnt offer to send a fraud/ID theft package. He also told me the debt was valid, and would n't look into what had already happened. This item is not on my credit file as of yet, and should not be on there. The company needs to stop trying to collect a debt that has already been found to be fraudulent. I tried to included XXXX in this current dispute, but they are still not a valid company with consumerfinance.gov. I included documents to show that cfpb.gov sent it to the regulator ftc, and then the item was removed from my credit file. Please cease and desist any further collection attempts including putting item back on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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:
I received literature in the mail 2 years ago regarding a line of Credit for {$2500.00} from a company called XXXX. This line of credit was disguised as payday predatory lending. They took a fee of {$400.00} right off the top and only deposited {$2100.00} in my account. From then i was charged bi weekly finance charges plus some money off the bill. i closed the account down after a months because I was falling behind on payments and could n't keep up with the account. This account is now on my Credit Report showing as original Creditor-XXXX XXXX XXXX XXXX XXXX. I am not sure if they are registered with FL or FDIC. they are now being represented by XXXX XXXX. with a balance of {$2900.00}. I have tried to get debt validation on this account a few times but to no avail. Because it has been past 30 days XXXX will not send documents to prove they own the account. I have tried numerous times with Credit Reporting Agency to remove and they will not. XXXX has since updated their agreements and payment terms since i took out original loan. They will not send me a copy of my original contract because they sold off account. Need to get this black mark off my report and save others from this predatory lending.

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 2017-12-26 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: FL

Complaint narrative:
I received literature in the mail 2 years ago regarding a line of Credit for {$2500.00} from a company called XXXX. This line of credit was disguised as payday predatory lending. They took a fee of {$400.00} right off the top and only deposited {$2100.00} in my account. From then i was charged bi weekly finance charges plus some money off the bill. i closed the account down after a months because I was falling behind on payments and could n't keep up with the account. This account is now on my Credit Report showing as original Creditor-XXXX XXXX XXXX XXXX XXXX. I am not sure if they are registered with FL or FDIC. they are now being represented by XXXX XXXX. with a balance of {$2900.00}. I have tried to get debt validation on this account a few times but to no avail. Because it has been past 30 days XXXX will not send documents to prove they own the account. I have tried numerous times with Credit Reporting Agency to remove and they will not. XXXX has since updated their agreements and payment terms since i took out original loan. They will not send me a copy of my original contract because they sold off account. Need to get this black mark off my report and save others from this predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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:
I received literature in the mail 2 years ago regarding a line of Credit for {$2500.00} from a company called XXXX. This line of credit was disguised as payday predatory lending. They took a fee of {$400.00} right off the top and only deposited {$2100.00} in my account. From then i was charged bi weekly finance charges plus some money off the bill. i closed the account down after a months because I was falling behind on payments and could n't keep up with the account. This account is now on my Credit Report showing as original Creditor-12 XXXX XXXX XXXX XXXX. I am not sure if they are registered with FL or FDIC. they are now being represented by XXXX XXXX. with a balance of {$2900.00}. I have tried to get debt validation on this account a few times but to no avail. Because it has been past 30 days XXXX will not send documents to prove they own the account. I have tried numerous times with Credit Reporting Agency to remove and they will not. XXXX has since updated their agreements and payment terms since i took out original loan. They will not send me a copy of my original contract because they sold off account. Need to get this black mark off my report and save others from this predatory lending.

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 2017-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have attempted to recover my car from Chase Bank and XXXX XXXX in XXXX Ohio. The tow company told me to contact the bank, and that XXXX XXXX was open until XXXX everyday Monday through Friday. We made a payment on Friday, XXXX XXXX, XXXX for the rest of the car at the price of {$4700.00} at XXXX right when the bank opened. Chase had then called XXXX XXXX  to release the car and that I should wait 15 minutes before contacting them to pick up the car that day. I had called XXXX XXXX at the following times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXX, and left 6 voicemails, along with an online submission to schedule a pick up for my car. I had no contact back. 
I did not call Saturday, Sunday, and Monday because they were closed. 
Today, Tuesday XXXX XXXX XXXX, I had called XXXX XXXX at the following times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I left 6 voicemails as well, making a total of 12 voicemails. 
I called chase several times to see if they can get in contact with the company, they said they are attempting to. I need this to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: AES/PHEAA
State: TN

Complaint narrative:
I have an open complaint against XXXX XXXX, reference # XXXX. 

However, I now have a new issue. Please see the relevant portion of the copied and pasted conversation I had with XXXX XXXX 's chat service today : " XXXX : I 'm writing to confirm that XXXX XXXX has recalculated my income correctly, and to ask what the monthly payment will be moving forward. 
XXXX : I am currently working on your request, sorry for the delay. 
XXXX : OK XXXX : Right now, your account is currently past due by 3 days for {$39.00}. We also report the status of your loans to the consumer reporting agencies each month. 
Your request for the Pay-As-You-Earn Repayment plan was approved. Your first monthly payment of {$39.00} on the new plan is due on XXXX XXXX, XXXX. The approval letter was sent to you on XXXX XXXX, XXXX, which can be found in your Paperless Inbox. 



To remain on this plan, you must recertify each year. A reminder will be sent to you a few months before your current annual period ends. 



XXXX : Yeah no ... I called over a month ago and was informed that that payment was incorrect. I submitted additional documentation of my income and was told that my monthly payments would increase to around {$350.00}. But in the meantime I needed to pay the {$39.00} payment in XXXX which I did, and that payment would count toward the Public Service Loan Forgiveness program. 
XXXX : I am currently working on your request, sorry for the delay. 
XXXX : I see no open tasks in relation to your current payment amount. If you would like us to review the amount you may submit for a Recalculation of your Income-Driven Repayment Plan. 
XXXX : Of course. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I was on a forbearance due to the XXXX XXXX and I noticed the loan grew, when I asked why someone was suppose to call me back but never did.  XX/XX/XXXX.  I went back to school in XX/XX/XXXX and I see another loan for XXXX more dollars.  I asked to consolidate my loans because, I make less money now and was denied.  I got a bill due for this month but I can not get anyone to address the XXXX.  I also got a notification that the school is being closed and any paper work may be lost.  I told Navient this and they said that I would not have to pay it probably, but I can not get anything in writing.  I do not want my credit affected by this.  Thanks for anything you can do for me, I just want some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank does not allow access to my banking information from 3rd party investment apps making it difficult for me to invest my money with companies like XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: IL

Complaint narrative:
The University XXXX XXXX sent my unpaid tuition charges to a debt collector ( XXXX XXXX XXXX ) after I dropped out but did n't tell me I had an unpaid balance that my loans did n't cover. When the collector contacted me, they demanded my personal information without telling me who they were and repeated to call me every day up to 4 times a day without telling me who they were, always on a different phone number. 

Finally I figured it out and set up an automated payment with them for a year but then I got laid off in XXXX XXXX so I called them to stop payments. They told me that I should call them back when I get back on my feet. They continued to call me every week, always a new person who would not identify themselves and demand my personal information. I repeatedly told them I am laid off and looking for work and they told me to call them when I found a job. 

XXXX months later, they still call me at least once a day, sometimes XXXX times, every day. They wo n't stop no matter how many times I tell them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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:
Equifax repeatedly ignores and violates my rights under the FCRA. They continue to report unverified items on my credit file after repeated request from all parties involved for verification. To date I have not received anything in the form of verification i.e. executed contract(s), 1st hand account of credit agency rep verification from original creditor(s). receipts, canceled checks from my bank account, etc...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Last XX/XX/XXXX I paid off my Citibank card for the last time. I always paid my balance in full by the due date and never carried a balance on this or any other credit card in 30 years. After I made the XX/XX/XXXX payment, for the full balance, I canceled the card and destroyed it as instructed, so I don’t currently have the card number.However, Citibank's phone workers ID numbers XXXX, XXXX, and XXXX (who gave his name as XXXX), were able to pull up my account from my name and date of birth. Citibank claimed that my payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX or XX/XX/XXXX, depending which phone worker was talking to me. They also said a late fee could be waived as a courtesy, but they never offered me this courtesy when I phoned about it months ago after receiving the first statement with a late fee on it (and no purchases, because I had canceled the account). Every month they add another late fee on the late fee, and interest on the late fees, and now I’m told the balance, which I paid to XXXX in XX/XX/XXXX, is now over XXXX Two of the phone workers told me only one late fee could be waived, even though the subsequent ones are bogus, based only on the first late fee. However, they won’t waive the first one that caused all the others.XXXX told me he had a supervisor, but refused to escalate my call to that person.As I see it, this whole scheme is fraud on Citibank's part. There may also be negative consumer credit reporting related to this.

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 2017-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I called money gram today XX/XX/2017 about the money I sent to let them know I was involved with a scam and I got the run around and no help from them at all. I lost XXXX through this company and they were trying to pin it on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Since XX/XX/XXXX XXXX has been illegally running hard inquiries on my credit report WHEN I HAVE NOT APPLIED FOR CREDIT. I have filled numerous reports including police reports and they have not stopped yet. XXXX is participating by not removing the hard inquiries even though THEY KNOW that I DID NOT APPLY AND THEREFORE THE CREDIT HAS BEEN RUN AGAINST THE LAW! Experian has acknowledge that they are fraudulent and have removed there erroneous and illegal inquiries. I am filing this new complaint because they are doing it AGAIN on XX/XX/XXXX according to my credit monitoring company and to a letter that I 've received in the mail today. I have filed a FCRA Federal Case against XXXX and XXXX and am filing this with you because it has n't stopped and its your job to take action and reports on problems such as this. In XX/XX/XXXX XXXX left out the " XXXX '' on the fake inquiries after I complained to you about it. In XX/XX/XXXX XXXX has included " XXXX '' again. I HAVE NOT APPLIED THROUGH XXXX OR OTHERWISE AND THEY ARE DOING THIS ILLEGALLY AND I WANT XXXX  TO STOP AND WIPE ME FROM THEIR SYSTEM. THEY SHOULD BE AWARE THAT THEY DO NOT HAVE THE RIGHT TO USE MY INFORMATION BECAUSE IT WAS NOT SUBMITTED BY ME! I ALSO WANT XXXX TO REMOVE THE ILLEGAL INQUIRIES AS THEY SHOULD.

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 2017-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP
State: OH

Complaint narrative:
Capital Management Ph # XXXX All creditors have been notified to contact my Debt Settlement Attorney XXXX XXXX at XXXX. 

YET XXXX/XXXX/XXXX Capital Management Called my personal cell and left a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: MD

Complaint narrative:
My husband and I have been negatively impacted significantly by XXXX XXXX erroneous reports. They have reported three times that I was late on my payments, or missed payments with them. This is absolutely false. If anything, we 've made extra payments more than required to avoid any issues. I have never been late once by a day, nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.

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 2017-12-26 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: MD

Complaint narrative:
My husband and I have been negatively impacted significantly by XXXX XXXX erroneous reports. They have reported three times that I was late on my payments, or missed payments with them. This is absolutely false. If anything, we 've made extra payments more than required to avoid any issues. I have never been late once by a day, nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.

Company response to consumer: Closed with explanation