vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Last month I requested an investigation because I felt the item was not being reported legally. Couple of days later I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The address 4. The telephone number 5. The documentation used to verify the dispute Though none of these have been furnished. I have offered both XXXX XXXX and Experian ample amount of time to prove this and they haven't. At this point, I feel this should be deleted off 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 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have made several attempts to dispute inaccurate information on my Experian Credit report. I have sent several letters asking them to please send copies of documents that they have in their file to verify the accuracy of the accounts, and they have ignored all of my attempts in this matter. I am entitled to know this information, and have requested it several times. The only thing I get back about the account in question is account remains. 
I have also reached out to XXXX XXXX XXXX and asked for the same information and have failed to get that information from them, since they have been the ones that have supposedly verified the information. The account in question is XXXX XXXX XXXX Account # XXXX. I have no knowledge of this account, but because account is attached to an address that's already on my credit report, this is how they so called verified it. Experian has an address that is not even a valid address in the postal area in which its listed. I went to the post office to inquire about this address the manager advised me it was not even a valid address. they said because it was also attached to an account that is showing on my credit report it has to say.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried on-line since XX/XX/18 to see my Equifax credit report. As of today I am still not able to gain access. The claim of Equifax is, order in progress. Plus they state since XX/XX/18, Our records indicate that you already have an order in progress for this product. We will email you when your order is available for viewing in the Member center. If you have any questions, please call us at XXXX ( XXXX ) or email us at Equifax Customer  Care. I tried the link to e-mail Equifax and as expected it didnt work either. 

Please accept this e-mail as my official complaint that Equifax is harming me by their continued XXXX!!! 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i applied a chase saphirre preferred card on XX/XX/XXXX, and according to the application as well as the offer on chase website ; the card carries no annual fees on the first year and {$95.00} thereafter. However on XX/XX/XXXX ; I was assessed a {$95.00} annual fees. I called Chase credit card and they are saying I was not eligible for the first year free annual free. I am confused why the web site and the offer as well as the branch saying it's free of annual fee and the credit card dept saying it's not free on the first year. I think they are engaged in deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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 — Problem with personal statement of dispute
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
This debt was previous disputed and removed by another collection company " XXXX XXXX '' because the original lender could not prove that I legally owed this debt, so after I disputed and resolve this debt. It was sold to another company " Ability Recovery Services '' and I ask then to do the same. XXXX did not do their due diligence in their investigation, if they did, then XXXX   would have recognize that I disputed this debt before and it was removed cause the original creditor could not verify this debt and months later it was sold to another collection agency. I requested the collection agency 'Ability Recovery Services '' to provide me with several documentation : 1.  What do I owe this money for? 
2. Explain and show me how they calculated what they say I owe?

3. Provide me with copies of any papers that show I agreed to pay what they say I owe?

4. Provide me with any judgement, if applicable?

5. Identify the original creditor?

6. Prove that statue of limitations has not expired on this account? 

XXXX has said they verified this information. I believe they never contacted the original creditor and they never provide me with a letter or letters from the original creditor. 

I attached all the necessary documents as proof, to further prove that XXXX  did not do their due diligence in verifying if this information is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I've gotten a letter today, XX/XX/2018 from a company called XXXX XXXX saying I owed an amount of {$87.00}, stating the account holder was " XXXX ''. I've been using my XXXX account for years now and I've never been negative nor have I owed any invoices. 

I even looked through my XXXX account for that certain amount and there is no transaction of the sort On the letter, it didn't even tell me what was the bill specifically for aside from the amount..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
Received letter on XX/XX/2018 by XXXX XXXX XXXX in response to a letter that I sent them asking them to validate the debt. The company refused to validate the debt stating that my dispute was prepared by someone other than my behalf. It was a notarized letter I had sent to them. They are in violation of the Fair Debt Collections Act for refusing to validate the debt. 

Please also be aware " XXXX XXXX XXXX '' aka " XXXX XXXX XXXX XXXX '' is not authorized to collect the debt within the state of Utah. They are not registered in the state of Utah.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This debt was previous disputed and removed by another collection company " XXXX XXXX '' because the original lender could not prove that I legally owed this debt, so after I disputed and resolve this debt. It was sold to another company " XXXX XXXX XXXX '' and I ask then to do the same. Experian did not do their due diligence in their investigation, if they did, then Experian would have recognize that I disputed this debt before and it was removed cause the original creditor could not verify this debt and months later it was sold to another collection agency. I requested the collection agency 'XXXX XXXXXXXX XXXX '' to provide me with several documentation : 1. What do I owe this money for? 
2. Explain and show me how they calculated what they say I owe?

3. Provide me with copies of any papers that show I agreed to pay what they say I owe?

4. Provide me with any judgement, if applicable?

5. Identify the original creditor?

6. Prove that statue of limitations has not expired on this account?

Experian has said they verified this information. I believe they never contacted the original creditor and they never provide me with a letter or letters from the original creditor.

I attached all the necessary documents as proof, to further prove that Experian did not do their due diligence in verifying if this information is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
There are fraudulent credit inquiries on my credit report XXXX/XXXX   Inquiry from XX/XX/XXXX this account is fraudulent and I would like it removed off my CREDIT REPORT ASAP BECAUSE IT DOESNT BELING TO ME AND IS FRAUDULENT.

Also there are other fraudulent accounts on my report and I want them removed at once these accounts are fraud and do not belong to me and I would like them removed from my credit report at once XXXX Reported : XX/XX/XXXX + {$420.00} XXXX XXXX Reported : XX/XX/XXXX {$390.00} XXXX XXXX/XXXX Reported : XX/XX/XXXX {$420.00} These accounts are all fraudulent and I want them removed I keep writing these companies but they have yet to be removed for my credit report. These are amfraud and do not belong to me please remove them at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: GA

Complaint narrative:
I sent money to my account in XXXX on the XX/XX/XXXX and i got an email stating it will take 2 business days. Up until now the XX/XX/XXXX, the money has not been delivered.i have called several times and I keep getting the same response of I should be patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Was accepted into XXXX XXXX program by XXXX college, they do background checks before admission I informed of previous charges. Was told I was good to go, gave XXXX for registration fee and started class XX/XX/XXXX. Went through whole course and completed even given class completion certificate. ( Still have ) Well they had a couple of us double check backgrounds before extern and of course the same system used during admissions pulls up my background they said " I was good to go '' on. Well the " XXXX '' charges ( because thats the main thing you cant have on your background when going to XXXX   school ). Walked into a house my friend was waiting at, didnt know older brother in that house sold XXXX to a undercover officer earlier that week. And me and my friend walked right into a XXXX   bust, everyone in the home was charged with the same thing since the actual criminal wouldnt admit. Date of offense was XX/XX/XXXX didnt get it expunged till XX/XX/XXXX. So the school would have seen record during admissions and background check. XXXX from front desk at XXXX college XX/XX/XXXX did state over phone their background checks are accurate, if ever anything missed it wouldve came back with the first couple days after 1st Bckgrnd check. I have spoken with Director of Student affairs who has yet to find background check and stated withdrawal papers states i left do to transportation not realizing I COMPLETED CLASS COURSES, transportation had nothing to do with why i couldnt go to extern. I have filed and contacted Borrowers Defense and student loan comp etc. I was told best thing i did was keep Documents which will prove School Error and not Student error and that I qualify for removal. I have {$12000.00} in debt on acct that all 3 credit Bureaus are still reporting and I couldnt even get certified or use credits. It has my debt to ratio high and preventing me from getting Qualified for loans. I so desperately want to move my family in our first home but I am told I am a Couple thousands to high.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Was accepted into XXXX XXXX program by XXXX college, they do background checks before admission I informed of previous charges. Was told I was good to go, gave XXXX for registration fee and started class XX/XX/XXXX. Went through whole course and completed even given class completion certificate. ( Still have ) Well they had a couple of us double check backgrounds before extern and of course the same system used during admissions pulls up my background they said " I was good to go '' on. Well the " XXXX '' charges ( because thats the main thing you cant have on your background when going to XXXX   school ). Walked into a house my friend was waiting at, didnt know older brother in that house sold XXXX to a undercover officer earlier that week. And me and my friend walked right into a XXXX   bust, everyone in the home was charged with the same thing since the actual criminal wouldnt admit. Date of offense was XX/XX/XXXX didnt get it expunged tillXX/XX/XXXX. So the school would have seen record during admissions and background check. XXXX from front desk at XXXX college XX/XX/XXXX did state over phone their background checks are accurate, if ever anything missed it wouldve came back with the first couple days after 1st Bckgrnd check. I have spoken with Director of Student affairs who has yet to find background check and stated withdrawal papers states i left do to transportation not realizing I COMPLETED CLASS COURSES, transportation had nothing to do with why i couldnt go to extern. I have filed and contacted Borrowers Defense and student loan comp etc. I was told best thing i did was keep Documents which will prove School Error and not Student error and that I qualify for removal. I have {$12000.00} in debt on acct that all 3 credit Bureaus are still reporting and I couldnt even get certified or use credits. It has my debt to ratio high and preventing me from getting Qualified for loans. I so desperately want to move my family in our first home but I am told I am a Couple thousands to high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Was accepted into XXXX XXXX XXXX by XXXX  college, they do background checks before admission I informed of previous charges. Was told I was good to go, gave XXXX for registration fee and started classXX/XX/XXXX. Went through whole course and completed even given class completion certificate. ( Still have ) Well they had a couple of us double check backgrounds before extern and of course the same system used during admissions pulls up my background they said " I was good to go '' on. Well the " XXXX '' charges ( because thats the main thing you cant have on your background when going to XXXX   school ). Walked into a house my friend was waiting at, didnt know older brother in that house sold XXXX  to a undercover officer earlier that week. And me and my friend walked right into a XXXX   bust, everyone in the home was charged with the same thing since the actual criminal wouldnt admit. Date of offense was XX/XX/XXXX didnt get it expunged till XX/XX/XXXX. So the school would have seen record during admissions and background check. XXXX   from front desk at XXXX college XX/XX/XXXX did state over phone their background checks are accurate, if ever anything missed it wouldve came back with the first couple days after 1st Bckgrnd check. I have spoken with Director of Student affairs who has yet to find background check and stated withdrawal papers states i left do to transportation not realizing I COMPLETED CLASS COURSES, transportation had nothing to do with why i couldnt go to extern. I have filed and contacted Borrowers Defense and student loan comp etc. I was told best thing i did was keep Documents which will prove School Error and not Student error and that I qualify for removal. I have {$12000.00} in debt on acct that all 3 credit Bureaus are still reporting and I couldnt even get certified or use credits. It has my debt to ratio high and preventing me from getting Qualified for loans. I so desperately want to move my family in our first home but I am told I am a Couple thousands to high.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Several weeks ago I discussed terms for a rate reduction program. That reduction was eventually agreed by all parties, after 3 months of back and forth, and the automated terms were agreed to. The program was subsequently denied by a supervisor. I made several attempts to contact that supervisor, leaving several messages, with no response. I left message was left with a different supervisor who works with the woman in question. I communicated my desire to have the original rate reduction terms reinstated, and he communicated that desire to the proper supervisor as well as noted my account. 
Since that time 2 payments have been processed by navient as agreed in the rate reduction terms. On XX/XX/XXXX, I contacted the same department and at the suggestion of the representative set up a new program as opposed to renewing the previous program. I was assured, on a recorded line, that after 3 on time payments at the reduced amount my account would be made current. At that time I made a formal complaint to ensure the additional interest charged would be credited back, and that complaint was confirmed received and sent to the ombudsman. I have not received any communication from NAVIENT or the ombudsman since that time. 
Today, without authorization, NAVIENT debited my account XXXX representing every dollar I have. 

I have more issues with these 3 private loans than I have with all of my other debt instruments combined. I have attempted at every turn to pay my debt, and for years have paid on these private loans. As it stands today I owe more than I borrowed. The conduct with respect to this matter is simply unacceptable. I am trying to fulfill my obligations as best I can, and because of the misconduct by Navient I am being economically harmed. Additionally, this incident is requiring substantial time on my part which is causing me significant stress and straining my job. I am literally begging someone over there to please take ownership of this file and make some positive steps to resolving this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Due to hurricane XXXX in XX/XX/XXXX, the federal government placed a disaster area where my primary residence is located. The mortgage company placed a moratorium on the monthly mortgage, which was required by federal government because of natural disaster XXXX. 

The past 6 months or more the mortgage company told me to apply for modification and no payments were allowed to be paid at the time of loan modification. Mortgage company begin reporting late payments to credit report. 

Mortgage company informed me that I did not qualify for loan modification because of income not higher enough to cover monthly debt. 

My income level is the same or maybe a little more than before the disaster. The federal government, HUD, mandated in XX/XX/XXXX, that any persons who are able to show proof of income levels being what there were before the disaster and can afford to pay the original monthly mortgage, should automatically receive a partial claim through the mortgage company. 

This option was not offered to me.

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