vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 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: NY

Complaint narrative:
all three credit burea have all avoided proof to change the situation on my credit report. XXXX is inaccurately reporting on my credit report, i have disputed with equifax, XXXX and XXXX countless times with no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: NY

Complaint narrative:
all three credit burea have all avoided proof to change the situation on my credit report. XXXX is inaccurately reporting on my credit report, i have disputed with XXXX, XXXX and experian countless times with no luck

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 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hi I am writing to complain about some money that I lost in a BMO Harris account. I tried to make two payments for my auto insurance to XXXX XXXX. After almost a week my XXXX XXXX account still have not received payment. I contacted XXXX XXXX and got to run around so I just put a stop payment on both payments. I was then charged for for total stop payments. The amount in question is around {$800.00} So then I tried to initiate two more payments to XXXX XXXX. The money was again deducted from my account but XXXX XXXX never received the payment. I never saw the deducted amount again and I finally had to close my account with BMO Harris because I was afraid that after being double-charged and losing money that they would do something even worse. I have contacted BMO Harris and they do n't know anything about the {$800.00} which was deducted for a second time and never paid. They just state that it was covered by the original stop payment. So somehow I think they were applying to stop payment to my second attempt at payment and then deducted the funds and just plain lost them. Please advise and thank you 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 2017-07-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There was an inquiry on XX/XX/XXXX from CBNA/BBY and they have been continuously doing this every month. Currently, my wife and I are in the process of buying a home and obviously any inquires can hurt our position. We did not ask for an increase or a new credit card from them and do n't know why they would pull credit on XX/XX/XXXX and do it every month.

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 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: WV

Complaint narrative:
On these dates things was purchased that I was n't aware of and didnt pay for myself. I was unaware of this until I looked at my account. I thought I was loosing money but I did n't know how or where so please help me get it back.   Date :  XXXX   XXXX     2017 amount : {$75.00} Date  :  XXXX   XXXX     2017  amount : {$50.00}

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 2017-07-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GU

Complaint narrative:
I already tried last week to open and account at American Express and within a second the person assisted me told me ( declined ) again. <P/>I respectfully, ask the CFPB to release the disclosure financial balance on my account information that, I have on file with the CFPB. I have legal right to receive the disclosure financial statement, the balance on my own record with CFPB. I feel, I have been discriminated for any reason what so ever. I also have legal right to received my personal Disclosure financial record. I also request the American Express to transfer my money or my wife money in to my account or her account. I have legal right to receive my disclosure file with CFPB and American Express Bank. I have rights under FCRA and fraud alert as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I proceeded to call Navient about two items : removing cosigners, and lowering the monthly payment on two of the four private loans. In regards to removing cosigners, they implemented in recent years that the student would need a degree or certificate ( proof of program completion ) as a requirement. This was not the rule back when I opened the loans in XX/XX/XXXX. I have been able to pay the standard monthly payment for over a year now, and they still deemed me ineligible to remove cosigners. I believe that this is a scam to force the borrower ( s ) to pay. I explained to the representative that I work full time and had no intention of completing school. She explained that of their requirements to remove cosigners, if I was missing one item, that I was disqualified from taking such an action. Being denied, I moved on to ask for a payment reduction, and what options were available to me. The representative explained that my only other option was an interest only option. This I find completely ridiculous considering that I pay {$1100.00} across four private loans and it all goes into interest only as it is. I can not make a dent into principal amount. I tell the representative that interest only payment was absurd as it is, and I requested their rate reduction program. The representative explained to me that the option I requested was through their collections department, and that she 'd forward my call to said department. I wait on hold for a couple of minutes until someone in collections picks up my line. The representative here proceeds to ask for my name and what was I calling for. I explained that I wanted to apply for the rate reduction for two of the private loans. He asks for the loan I.D 's, I provide, and he then tells me to wait a moment. I wait only to find out that the representative had hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I called Experian to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,   XXXX   ) that does not belong 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
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
XXXX XXXX and XXXX XXXX has hired another attorney to intimidate and threaten me after their admission to forged signatures and fraudulent documents in XXXX City Circuit Court.
<P/>
The following is complaints for BWW Law Group and XXXX XXXX 1. Candor Toward the Tribunal Rule 19-303.3 - BWW Law Group accepted XXXX as a client with knowledge of forgeries and fraudulent documents. The admissions are attached on 3 separate statements the admission was made. ( see forgery statements attached ) - BWW Law Group accepted XXXX as a client with knowledge of a Forensic Document Examiner 's report that my ( XXXX XXXX ) signature was forged. Though the Circuit Court judge ruled authentic signatures, there is a claim filed with Judicial Disabilities.
( see Forensic report attached ) - BWW Law Group/ Attorney XXXX was aware of the mortgage payment discrepancies Attorney XXXX stated in 3 letters that the amount is {$130000.00}. XXXX and XXXX XXXX submitted court documents that the amount is {$160000.00}. ( see attached discrepancies.
- BWW Law Group and XXXX XXXX fraudulently submitted a validation of debt after XXXX XXXX  submitted an affidavit that the note was lost. ( See affidavit attached ) 2. Respa Violations -XXXX and XXXX XXXX submitted 5 different versions of settlement sheets, presented in court with differences in loan amount, contract sales price, amount due from borrower, signature of borrower and date signed.
- The deed was notarized one year after the alleged settlement date.
-The deed was recorded 8 months after the alleged settlement date.
<P/>
3. Violation of Federal Debt Protection Act - XXXX has trespassed on my property leaving a notice taped to my railing.
- XXXX representative told my neighbors I was being foreclosed on within the past 30 days. The harassment has been extreme I have filed 2 Cease and Desist.
- I have received threats from local XXXX # stating that I will be out on the street 4. Violation FTCA - BWW has called my work number at least 5 times. These were the threatening phone calls. I have returned to XXXX after living through this horror with XXXX XXXX  threats for years.
<P/>
I have maintained from the time that I received the fraudulent validation of debt documents that this is not my note and this is not my deed. My name has been placed all over someone else 's debt.
<P/>
Respectfully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: MO

Complaint narrative:
This report is for NAVIENT student loan service.They keep attacking my credit after I have been making regular monthly payments.I am pay {$23.00} dollars over my agreed amount and still my balance is increasing.Navient is a fraudulent company and should be shut down.They are fraudulently charging customers interest to increase XXXX XXXX 's bonuses.This man and his staff should all be jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called   XXXX   to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,  XXXX  ) that does not belong 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 explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called  XXXX  to update my personal information and an address (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , ga  XXXX  ) that does not belong to me could not be removed. The agent stated that it is linked to an account (  XXXX   XXXX   XXXX ,  XXXX  ) that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion reinserted old inquiries back onto my credit report. I have sent 2 letters certified mail asking them to remove them. The new inquiries has caused me to have an unfavorable credit rating that is impacting me and my family financially. <P/>XXXX XXXX XXXX XXXX XXXX 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 2017-07-11 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: GA

Complaint narrative:
For the past 3 months I have been trying to get Experian and XXXX to report the correct information about my mortgage with XXXX XXXX XXXX, my account is not closed have never been closed I have been paying my mortgage every month since 2010, I contacted my mortgage company XXXX and they sated they are reporting that my account is open, I have disputed this information 5 times with Experian and XXXX and they refused to correct the information stated that its verified as closed am not sure how they are verifying this information when I pay my mortgage every month and the mortgage company is saying that is not what they are reporting, please help am at my wits end and very frustrated.

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 2017-07-11 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: GA

Complaint narrative:
For the past 3 months I have been trying to get XXXX and Equifax to report the correct information about my mortgage with XXXX XXXX XXXX, my account is not closed have never been closed I have been paying my mortgage every month since 2010, I contacted my mortgage company XXXX and they sated they are reporting that my account is open, I have disputed this information 5 times with XXXX  and Equifax and they refused to correct the information stated that its verified as closed am not sure how they are verifying this information when I pay my mortgage every month and the mortgage company is saying that is not what they are reporting, please help am at my wits end and very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have contacted the company many times in regards to this. I do not owe this and have never had an account or contract with this company. I have contacted the Better Business Bureau as well as all of the Credit Bureaus in regards to this. I have not received validation of this debt and want it removed from my Credit Bureau accounts immediately ( XXXX, XXXX as well as XXXX ) and I want all contacts with this company to stop. They have contact family members in regards to this as well as given out information that should not have been given in regards to this to individuals that are not myself. They are also not licensed to collect in this state. They was supposed to remove this information from my credit bureaus already and they did then put it back on there. And never notified me. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I Hired XXXX XXXX XXXX to help with my credit, My mother was diagnosed with XXXX and I am responsible for her financially. I have confirmed with the company that they have disputed the amounts of {$620.00} XXXX for a total of {$1800.00} from XXXX XXXX XXXX XXXX XXXX XXXX On Monday, XX/XX/XXXX a letter was sent asking for validation of the debt. No response. I then sent letters to EQUIFAX on XX/XX/XXXX and XX/XX/XXXX asking for validation. No response until I sent a fax on XX/XX/XXXX. Now you updated my report as being reinvestigated. <P/>Under the FDCPA LAW, According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30  days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. <P/>At this point its a matter of life or death my mother is the advanced stages of XXXX and this incorrect information being reported to my CR is hurting my family. please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: AR

Complaint narrative:
File # XXXX I filed a dispute because the new law shows it should be removed. However I called and the TransUnion stated they have n't received the law that would remove this item. They informed me it would stay on my report for 10 years but the New Law is 7 years I. Which it has been 8 years in my report. Please help. I applied for a car loan and it was not approved then I was offered a high interest rate. They also stated in an email that the Court reported to them I called the Court and they stated they had not received and do n't call.

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 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I do not owe this debt and there are 2 different ones on my credit bureau reports. I have asked for validation of this from this company and have not received anything. I do not owe this company and have never done business with them or have never had a contract with them. They are ruining my name and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: EQUIFAX, INC.
State: AR

Complaint narrative:
File # XXXX I filed a dispute because the new law shows it should be removed. However I called and the XXXX stated they have n't received the law that would remove this item. They informed me it would stay on my report for 10 years but the New Law is 7 years I. Which it has been 8 years in my report. Please help. I applied for a car loan and it was not approved then I was offered a high interest rate. They also stated in an email that the Court reported to them I called the Court and they stated they had not received and do n't call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
Filed with the Better Business Bureau asking for validation of this account as well as have spoken to the company. The company told the BBB that they was sending information. The information received was them asking for all of my personal information. I advised the BBB that what the company sent was a letter wanting all of my personal information. I want this removed from my credit bureau files immediately. The company is using a stall tactic and not responding with a full validation, instead trying to get me to send them my information instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
The credit agency still have not sent a letter to my home to update account as paid in full. The agency coded the account as a XXXX balance/ charge off on all credit bureau. The account was in fact paid in full. The agency will not report correct information on my credit report. I have screenshot proof to support my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is to inform you that TransUnion has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. <P/>* XXXX XX/XX/XXXX *XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX  XX/XX/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