vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I have been disputing several accounts with Equifax Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. 

I still have not been provided any documentation with merit alongside my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. 

The guidelines provided by FCRA are clear. This shows that Equifax are violating my rights under this law. I sent out a certified letters to Equifax and have tracked delivery confirmation that they received my letter. 


I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months for employment purposes. 

The disputed items are as follows 1. XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XX/XX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Appreciatively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I was in a low interest repayment status that I have to call every year and get back in, I called in XX/XX/XXXX and spoke with a lady at Navient and she told me it was extended out for 15 months and we set up payment arrangements for every 2 weeks. I got a call today from someone else at Navient telling me that my program has expired and they are wanting to put me back in but interest rate went from 1 % to 5 % and I will need to pay the defaulted amount because it had expired in XX/XX/XXXX and it was for the wrong amount. When I tried to explain to them that I talked to someone back in XX/XX/XXXX, he told me she just extended the payments out but did not put me back in the program and that will still need to pay the {$500.00} past due amount plus the new amount which went from {$200.00} a month to {$400.00} a month. When I started asking why the man started getting rude was not willing to answer or work with me, he then put me on a 10 minute hold saying he was going to get his supervisor and after 10 minutes he comes back on the line and said his supervisor is busy but that he can get my interest from 5 % down to 3 % but that he can not do the 1 % because I did not set it up in XX/XX/XXXX, I tried to repeat it again that I did call and the lady did explain that it for that program he then started to get irate and hung up the phone when I would not give my approval for the 3 % interest. He told me if I wanted to get out from loan I would need to call a bank and get a loan for the full amount and buy them out. I have been in this program for 5 or more years and every year I go through the same thing, and they keep giving me the run around and call me once a week with a different number. I received my loans from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TN

Complaint narrative:
I have a paid collection with XXXX that was supposed to be removed from my credit report after payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I am a senior citizen. I took out a loan with this company and was conned into taking out this loan. The loan amount was for {$1100.00}. 

I now realize that I am paying {$90.00} interest every two weeks on this loan UNTILL IT IS PAID OFF SENIOR ABUSE. I DID NOT REALIZE THE AMOUNT OF MONEY THEY WERE CHARGING ME. IT IS CRIMINAL

Company response to consumer: Untimely response
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ALCHRO INC.
State: FL

Complaint narrative:
I sent XXXX collection agency a letter on XX/XX/XXXX requesting written proof and signatures of the XXXX medical bills they have listed on my XXXX credit reports. In XX/XX/XXXX I was receiving government assistance and XXXX due to the fact that I was not working. I should not have a medical collection of {$75.00} and {$570.00} because I had XXXX. I also need proof of going to the XXXX and also my signature verifying that this was actually me. If they can not verify these please remove off of all XXXX credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax refuses to remove the unauthorized inquiries off my report. There are 46 inquires on my report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: MCI Mortgage Inc
State: TX

Complaint narrative:
I hired RCM Mortgage as my mortgage broker for my VA home loan purchase made in XX/XX/2016. RCM Mortgage made a huge error when calculating my estimated payments. I was provided with documentation along the way with the estimated monthly payment and the Final Closing Disclosure provided at closing as well as other closing documents showed an estimated monthly payment of {$1500.00}. I recently received my Annual Escrow Disclosure statement from my mortgage company and learned about RCM 's error. As stated, RCM Mortgage estimated my monthly payment including escrow at {$1500.00} but in actuality the estimated monthly payment should have been {$1700.00}. RCM miscalculated the property taxes and provided the incorrect payment amount on my closing documents. The error resulted in a difference of {$140.00} per month and {$53000.00} difference over the life of my loan. Today I have an escrow shortage in the amount of {$1700.00} and a huge payment increase to deal with. I contacted the broker to discuss the error and simply only received an apology. I contacted the manager of RCM Mortgage and did not even receive so much as call back. Due to the miscalculated payment which was RCM 's error I am now contractual obligated to a payment that I am not comfortable with. I made the broker very aware that I was very sensitive about the payment and only closed the loan based on the information that they provided. I was not provided with accurate closing information and feel that RCM acted in an unethical manner when negotiating the terms of my mortgage loan and provided closing information that they knew I would agree upon even though it was not accurate. I would like RCM Mortgage to provide some type of monetary settlement to help offset their error.

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 2017-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc
State: NC

Complaint narrative:
These people are repeatedly calling me without leaving a message as to whom they are. I only found out they are a debt collection agency by calling their number and hearing a recorded message. The one time I did answer, the lady just said my first name but did not announce who she was or whom she was with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
My loan was sold to Dovenmuehle ( DMI ) late XX/XX/XXXX and from the start the loan was boarded incorrectly and the problems started. They decided to force-place flood insurance on my loan even though my loan documents at closing show flood insurance already in place and also more paid in advance. I also emailed the flood insurance policy on XX/XX/XXXX and they still could not get it right so i had to email again on XX/XX/XXXX. Now they force-placed homeowners insurance even though my loan is a non-escrowed loan and my original loan documents show the homeowners. They have also charged me late fees even though my loan payment was never late. I have to take time out my busy day to " justify and validate '' that I am correct versus DMI spending the time to ensure they have set up my loan correctly and instead of calling me to discuss and confirm accuracy, I have to go out of my way and spend time away from work to call them and correct what they did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I had {$30000.00} in loans with XXXX under my parent 's name while my parents were in bankruptcy. I contacted XXXX numerous times to find a way to get the loan out of their name once I graduated. They would not assist my parents or me with either ; deferring my payments or allowing me access to take over the loan. Once my parents finished bankruptcy we were able to consolidate with another company, however I accrued over {$11000.00} in interest. I do n't believe I should be liable for most of this, if not all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
Have received several phone calls from office of D. Scott Carruthers regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
After my husband was tragically killed, I canceled our XXXX credit card issued by U.S. Bank, submitting the required death certificate. When I sold a car some months later, XXXX XXXX sent a partial premium refund of XXXX to the last card used, which was this credit card. Even though the account had been closed, US Bank accepted the refund! Now they are requiring me to jump though hoops and submit testamentary letters to get the refund, which they promise within 90 days. I am moving in two months, and the post office will not forward mail from my XXXX XXXX because it is part of a larger entity and considered a business address. because I have no control over when US Bank will send this check, I have no assurance of receiving it after I move to California. 
1 ) Credit card company should be prohibited from allowing any activity on an account that has been closed! 
2 ) On active accounts, they should be required to pay interest at the same interest rate they are charging that particular customer on any credit balance in their possession, with an additional late fee of {$35.00} if the refund check has not been mailed in 60-days. 
I am sick of their predatory practices.

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 2017-03-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Dispute was submitted to XXXX was investigated and was removed from my credit report but is still being reported on my report by XXXX. Have contacted them with information showing XXXX removal but they are still showing it. This debt was satisfied. I was also included as XXXX of the class action suit individuals against them that was recently settled against them for phone calls to my cell phone in the past. Have n't received any settlement due to it but was advised I should after their appeal time ends. Old debt that was taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Solidus Group LLC.
State: AZ

Complaint narrative:
Getting calls from a company that calls themselves XXXX, does n't stand for anything. Looking for my whereabouts on an automated voicemail. Returned call, and they said that they were going to sue me for bank fraud, and have been looking for me since 2013. Never took out any loan at that time, as they told me that my bank account had insufficient funds to pay back. At first told me they were collecting, and as soon as I told them not to call and send something in writing, they rebuked, saying they never said they were in collections, they were just a " mediator ''. They had mine and my wife 's info, which is unsettling, also. They 've called previously, and I 've told them not to call, and to put it in writing, they ignore and continue to call. The number they give is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Maximum Title Loans, LLC
State: AZ

Complaint narrative:
Lender exchanged loan for legal services at " zero interest '' with legal service fees to be credit as earned. Lender has confirmed these terms in writing with the BBB and in numerous texts and email messages. If lender had done so as agreed, this loan should be recorded as paid in full by XX/XX/2013 at the latest. Lender has not repossessed the vehicle, but refuses to release the lien he has kept in place on my title with the state MVD, so I can not sell the vehicle. I also consider this failure to properly credit payment to my account and an improper attempt to collect a debt that is no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DYNAMIC RECOVERY SERVICES, INC.
State: WI

Complaint narrative:
They called my parents house telling them I will be taking to court if I do not pay my bill

Company response to consumer: Untimely response
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Consumer Collection Management. Inc
State: FL

Complaint narrative:
I have filed numerous times to get these removed. They do get removed and then the Collection agency puts them right back on. What 's worse, this is an unlicensed collection agency. Evidently, XXXX does not require licensing, but in order to collect debt in the state of XXXX, a collection agency must first be licensed in XXXX. I believe this company to unscrupulous. Today while pouring over paperwork I realized the original debtor being claimed is wrong. The account we paid in full is being reported as completely different company in an effort to retrieve monies not owed to them.. I believe this to be fraud, or am I wrong? My husband and I paid this debt in full and the debtor listed with the collection agency is wrong. I have sent a legal request for documentation in writing, but I doubt I will receive a response. They can not produce what does not exist. I stand by my claim that this is fraudulent activity on the part of the collection agency and their client. Our agreement was with XXXX of XXXX, not XXXX. I 'm getting older and it 's hard to keep track of names after awhile, but I eventually I get there and remember.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CITI card company failed to delivery my credit card statement to my correct address and failed to send the statement alart to the correct email address. So I did not receive my statement and pay the bill on time. I have several cards with this company and the other cards all have my correct address and email address. I always paid other cards on time. And I had been the CITI cards holder for many years and had been always paid my bill on time. Instead of taking proper steps to reach me after the bill was due, this company sent this to the collection bureau and hurt my credit history. After I found this by checking my credit report, I filed the dispute and paid what I owned immediately. But this company refused to accept my explanation and refuse to fix my credit report and insist to ask me to pay the late fees and interest fees. Because this effected my credit score, this company is also able to prevent me from getting lower interest rate from other company. So I will be stuck with high interest rate with this company for my other cards. This is this company 's on purpose trick to earn money from a loyal customer. I file this complain again to seek justice and correction to 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 explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Solidus Group LLC.
State: TX

Complaint narrative:
Called and left a message saying that " serious allegations '' were being filed against me in XXXX XXXX in which I used to live. They continue to leave harrassing messages using different numbers frequently.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
I 've recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and neither have they provided me with services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC
State: ID

Complaint narrative:
I received an unsolicited credit card for my business, ready for activation upon its arrival. The scary part is that there is an actual card, with a {$150000.00} limit, addressed to a former Board of Director that has not been active in my organization for over 15 years. It is from XXXX, a company I have never heard of. I often receive solicitations or credit applications, but never one like this. I would be very afraid of what someone could do with a card like this to my companies credit, and all of the headaches that would ensue. Thank you for your help with this matter.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jomax, LLC
State: NV

Complaint narrative:
I had a claim on my insurance for XXXX from XXXX XXXX XXXX XXXX. Claim # XXXX I have paid the company the collection agency is charging XXXX file # XXXX more then the amount owed

Company response to consumer: Untimely response