vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XX/XX/XXXX, i received a statement for credit card that I never opened. I went to XXXX XXXX to check my credit and there was an inquiry for a credit inquiry ( and an open account ) on my credit report for a Chase- Amazon Rewards Credit Card that was not requested by me. I called Chase immediately to have it removed and it was and also contacted the FTC to submit a complaint. We also contacted XXXX to enable a 90 Fraud Alert and tried to file a report with my local police and were told to report it on an FBI website at https : //www.ic3.gov/complaint/default.aspx. A month ( TO THE DAY ) later in XX/XX/XXXX we receive a denial letter for the same card, meaning there was another  inquiry, because my Fraud Alert was ignored by Chase. So I contacted Chase and the FTC again to get the inquiry removed. There was no more activity until XX/XX/XXXX. I once again, contacted Chase. I have been placing Fraud Alerts on my credit every 90 to the day and it is n't stopping anyone at this point. I ca n't get the 7 year protection placed on my credit due to my lack of police report ( my police wo n't deal with it since it is an internet crime ). More recently, I have signed up for XXXX XXXX and they are helping me contact chase every time in order to remove the credit inquires. Since XX/XX/XXXX There have been XXXX more Chase Amazon Reward Card inquires : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX This has severely damaged my credit and made it incredibly difficult to start my life with my new wife. These fraudulant accounts and credit inquiries have made it difficult for me to financie my home and my new car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
The account was never turned into collection. Kay jewelers is the creditor. The account has a balance of {$2000.00} and was opened on  XXXX / XXXX / 2014 . I have filed police and identity theft reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from their  Consumer Advocate center and they stated that they do not have to update what they consider correct information at that time period. Yet Navient refuses to correct and update this information standing behind thei r policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: KY

Complaint narrative:
On XX/XX/XXXX I mailed approximately 5-6 different checks to Navient to pay off all of my student loans. I had refinanced my house to do so. The checks were received and applied on XX/XX/XXXX. My XXXX XXXX XXXX loans were not paid off since it 's someone different. With me making all payments to Navient in the past I was under the impression that all the checks would be sent to the same place. Upon further investigation it was brought to my attention that they shorted one of the checks {$600.00}. Upon talking to Navient and they put the request in. One for sending the overage to the XXXX XXXX XXXX to pay them off, and the second one, to also apply the {$600.00} they shorted to my account. Since these request can take at least 12 days to go through my XXXX XXXX XXXX loans are going to continue to accrue interest with a late payment. I should have been receiving a check back from them in the amount of {$100.00}. I feel that Navient takes advantage of people and this mess up really is uncalled for taking 12 days minimum.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Hello, I received a call from an unknown source with a file number. They left a message today  XXXX / XXXX / XXXX . I found out that they even reached out to my father who I do not live with. I called back  XXXX  and asked to speak with  XXXX   XXXX , who left me the voicemail. They answered abruptly and asked me for my file number. I gave them File #  XXXX  and he immediately transferred me to  XXXX   XXXX . He verified my information. and went right into giving me information on a debt I allegedly owed.  One  thing that stood out was that he did not state that " this was an attempt to collect a debt, any information obtained may be used for that purpose ''. He stated debt was from  XXXX . I stated I did not recall any debt owed from that period of time. He stated I was a defendant as if I was already being sued. He stated creditor was Vericrest Deb t Collectors  or something similar. He asked me if I would like to handle this debt otherwise they or  Veriquest w ould be moving forward with filing a complaint against me. I advised him regardless of me being owner of this debt or not, that it would be uncollectible due to statute of limitations on consumer debt unde r Fair Debt Collections Pratices Act. As I further went into it stating that this would be a violation on his part, he hung up  on me. I was attempting to get the name of their company, his name and ID and their place of business address but was unable to. I called back about 10 minutes later and spoke to the receptionist and asked for the information, but they only wanted the file number. I told them not to transfer me once I gave them the file number  XXXX , but as soon as I told them that file number, they transferred me right back to  XXXX   XXXX . I got his name, place of business and address before ending the call.   I believe they are in violation of the FDCPA for trying to collect on a debt older than the 4 year statute. I also believe they are in violation of not stating in the beginning of the call that they are " attempting '' to collect a debt. Please see their information below. Thank you.     Name of Company :   XXXX   XXXX   XXXX   Name of individual and ID : Place of business address :  XXXX   XXXX    XXXX   XXXX    XXXX .  XXXX   XXXX , CA  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I agreed to a settlemen t with Ditech a nd paid it in full. Payment was received on  XXXX / XXXX /17. It is now 85 days later and they have not released the lien. I have called once or twice a week since it was paid. The state of Massachus etts, Chapter 63 of the Acts of 2006 give them 45 days to release. I gave them double this time and still nothing has been recorded. I have been telling Ditech for years that they never reassigned the loan, and now they are trying to say that is new news and they are working on it  but it should not take 85 days and counting.  XXXX  also did not send me an official payoff statement that references this loan or has the language that the law stated above said I should receive, even though I sent them the documentation on this law  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I am employed by a   XXXX   and insured by the  XXXX .   I ha d a Drs. visit  that was not filed with my insurance correctly.   Whatever the confusion, the debt was sent to debt collection before I ever received insurance information.   A company name d Harris and Harris sta rted calling me sometimes twice a day.   I called them and found that this was an incorrectly handled insurance issue.   I called th e Drs. Office and s traightened out the issues. My insurance then covered the visit.   I am still receiving calls-sometimes robo-even though this has been settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BlueChip Financial
State: IA

Complaint narrative:
I recieved an installment loan from spot loan. I lost my job and not beem able the pay a lafy by yhe name of XXXX XXXX who said she was a CPA with XXXX calling om behalf of spot loam has beem calling friends and family members discussing my debt and telling my friends amd family memebers that they will suspend my registration for my vehicle are they allowed yo discuss my information?

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 2017-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OK

Complaint narrative:
beginning in  XXXX  2017 when my loan to value hit 78% I began contacting my servicing lender to drop my MIP. After following the correct channels with emailing, and faxing documents in I finally received a letter stating my loan did not qualify to drop MIP.
I called them and spoke with a lady whom agreed the calculation was wrong and was going to get with a supervisor to correct it and get it cancelled. After another month of nothing happening. I mailed a letter and emailed another request.   XXXX   XXXX   another letter was mailed stating I did not qualify. My appraisal at time of purchase was $ XXXX , my loan balance in   XXXX   was

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 2017-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: NC

Complaint narrative:
Hi, I have been using Ria Money Transfer , Online Money Transfer Agency to  transfer funds to my Friends and Family In  XXXX . Lastly, I sent  XXXX  $ from their website on  XXXX / XXXX /   2017  and the money never made it to the recipient 's account. I kept calling customer service and every agent keeps saying same robotic answer " We have not received response from   the Recipient 's Bank ''.
After waiting 10 days for Money transfer ( SLA is 5 days ), I called   them back to cancel the transaction on  XXXX / XXXX / 2017 . They submitted a cancellation re quest and now it is 5 more days and I am yet to receive my money back. Again I keep calling customer s ervice and I get the same response as mentioned above.     I managed to speak to a  Supersvisor  named  XXXX , The he says the money will be kept locked untill they receive the response from the bank.     The recipient is my dad and his account is not credited with the amount. When Transaction was made they did not respond, when transaction is cancelled, they still did not  respond. I am now worried whether Ria will keep my money locked forever saying the same robotic answer.  Is there a solution for 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 explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from their  Consumer Advocate  center and they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.

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 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from t heir Consumer Advocate ce nter and they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from th eir Consumer Advocate center an d they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.

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 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Stellar Recovery, Inc.
State: NM

Complaint narrative:
False inquiry about a collection debt from  XXXX   XXXX . That I never signed or gave my social security to them. Yes I 'm claiming fraud on this collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Afte r Wells Fargo den ied my loan, I sent the company the below letter and received no response I am responding to your  XXXX   XXXX , and  XXXX ,   XXXX  , letter informing   me my co-signer load was denied. Please provide answers to the below questions : 1. How Wells determine whose loan will be approved 2. Specifics, why my load was denied. Please do not indicate generalities.
3. Minimum credit score required to receive a loan 4. My point score 5. Ple  ase provide evidence which states specific creditors reported I had pass and current delinquencies.     I am requesting that you email me specific, detail reasons, why my co-signer loan was denied. According to pass phone conversations wit  h Wells load specialist, I had pass and current delinquencies.
If you are unable to provide specifics, one can conclude Wells makes subjective, arbitrary, and capricious loan decisions. Your letter states that my credit report indicated I had delinquencies.
I will litigate this matter and file a formal complaint based upon racial di  scrimination, and will argue that  XXXX  who have lower credit scores than  XXXX  and no relationship wit  h Well Fargo are afforded student loans.
Taking into consideration my current banking relationship with Wells, I am extremely disappointed Wells denied my loan. I have my IRA account with Wells, along with  XXXX  other savings and checking accounts.
Finally, according to my credit report that Wells Fargo provided, my credit score is    XXXX . My credit report indicated that I have no credit card debt, I had  XXXX  delinquencies, which were paid in full. I look forward to expeditiously hearing from you.   Sincerely,  XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After several attempts to communicate with Transunion via CFPB portal they have failed to provide me with any viable evidence bearing my signature showing the public records with my name and social on it.     Upon further investigation, I have retained new copies of my credit reports and noticed that you have overlapping dates along with the public record being removed from my file and then reinserted back. These errors have been reporting monthly resulting in credit denials due to the deformation to my file on behalf of Transunion. The said bankruptcy records are listed entirely inaccurate and represents a very serious error in your reporting.     I am maintaining careful records of this last communication with you before this matter is escalated to FTC and the Attorney General 's office that you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.     I further remind y  ou that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of Furnishers of information to consumer reporting agencies { 15 U.S.C. 1681s-2 } : ( 3 ) Duty to provide notice to dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
<P/>
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you much now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.
<P/>  Please see the attachments from   XXXX   XXXX   with my request honored to block my file as  of   XXXX   XXXX  .  You will also find documents from  XXXX   XXXX  showing the public records were removed from my file and then reinserted back to my file. You will also find a letter from the United States Bankruptcy  Court   XXXX   XXXX   of Georgia stating they DO NOT REPORT TO any credit   agencies. You will also find my Transunion Credit report reflecting how Transunion is reporting errors on my file.  <P/> I spoke with several people at Transunion  XXXX  the Supervisor who has stated they do not have any supporting documents to maintain the public records but they are not going to remove this error. I have found that Transunion will continue to break the law and violate consumers so I am now filing this formal complaint in efforts to reinforce proper actions.

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 2017-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
Company keeps calling to collect a debt that is not mine. I told them not to call, and they keep calling. I do not owe a debt, therefore I will not pay anyone a dime. Cease and desist immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On  XXXX   XXXX   XXXX , I contacted  XXXX   XXXX  Services regarding an open account showing on my credit report from  XXXX . A very rude female spoke to me and said this account had been paid in a judgment against me in  XXXX . I request for her to update my credit report to show this matter had been handled and to please remove from my credit report. She told me to contact the credit bureau to dispute as they would not remove otherwise or provide additional information for that I needed to contact the court who handled the matter.   -That same day  I f iled a dispute with Equifax who submitted a dispute on my behalf with the company only to conclude on the  XXXX  of  XXXX  as a valid account, response I am assuming was from the original collection agency I contacted before. The account still shows open and a debt due to them.   - The judgment itself at the time had been done in an illegal manner, as I was never contacted to make payments on the account or told there would be a hearing on the matter. The court ruled to take 25 % of my paycheck not acknowledging that I was unable to pay at the time being a single mother with bills to pay.

Company response to consumer: Closed with explanation