vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I been doing everything in my hands to solve the burden of my property for the past XXXX months with my lender. I did applied for a modification, I was denied, I did tried to do a shortsale with the help of a Real Estate Agent, this option was denied, Now I trying to sell the property as a regular sale. but the lender is not whiling to provide me with an extension to complete this process. My XXXX XXXX XXXX XXXX  my XXXX and XXXX of my XXXX, all being XXXX XXXX. This repulsive behavior resulted in criminal charges, I also requested to the court to obtaining a Quit Claim Deed or a Power of Attorney authorized to sell the property, but my XXXX XXXX on title, XXXX XXXX declined the request. Due to the attenuant circumstances my real estate agent requested a petition from the court to obtain a quiet title. This process would take several days or additional weeks. I been in requesting additional time to my lender, without a successful petition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I called Experian on three occasions about hard inquiries on my report. There were XXXX of them in a 6 month span, and I advised them that I may have had only XXXX of them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all XXXX of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.

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 2017-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion XXXX added a debt from XXXX XXXX XXXX that was previously removed for being inaccurate/ fraudulent. This acct was from XXXX and a judgement was made in XXXX deeming it false. It was then re added between XXXX XXXX also of this year in an illegal attempt to collect/ re age this debt. I 'd like this removed asap. Being the only negative acct on my transunion profile it has dropped my score significantly.

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 2017-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I instructed XXXX to close a XXXX account in XXXX. They billed a membership fee on XXXX XXXX of {$95.00}. They have been notified XXXX or XXXX times by their " XXXX XXXX '' and in writing to cancel this account. They have failed to respond and are now charging interest on a " late payment ''. I have paid all proper charges and should have a XXXX  balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Maximum Title Loans, LLC
State: AZ

Complaint narrative:
My loan is for {$4000.00} with a payment due on the XXXX of the month for {$200.00}. I was contacted on Sunday which was the XXXX of the month and asked for payment. I informed the representative that I could not pay until the XXXX of the month. The representative would not allow me to adjust the my payment date and stated the collection efforts would continue. Every two hours I was texted and called in which I answered the text and phone calls repeating that I could not pay until the XXXX and that I would also pay the late fees at that time. On Monday I repeated the information to all the various phone calls I also receive on Monday. The representative stated they needed my car until I could pay the payment. I repeated that I would pay the payment on the XXXX plus the late fees. 

The representatives were now becoming aggressive and threating to call and text my employer and that the are going to report my car stolen. I repeated that I could pay the {$200.00} in 7 days along with the late fees. They continued to harass me by phone, email, text and I replied to all of them with the same answer, I can pay on the XXXX and all late fees. 

Wednesday is today, and the representatives are calling around to my business relationships and threatened to report the car stolen. 

I have called the business, Maximum Title loans, and have attempted to speak to a individual about my account and have had to leave voice mails and have not bee called back, yet I have been asked 3 times to surrender my vehicle without explanation. 

Please assist me in mitigating the damage to my personal reputation and business well being from being slandered by these debt collectors and assist in obtaining reasonable terms of repayment and ability to request a payoff and close the account. 

My name is XXXX XXXX XXXX and I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bison Recovery Group, Inc.
State: FL

Complaint narrative:
Received three mailings from XXXX, The XXXX XXXX XXXX at the end of XX/XX/XXXX. One stating account is delinquent, one with a Final Settlement Offer and one a statement copy. Account number XXXX. Called XXXX on XX/XX/XXXX and spoke with XXXX. I advised that I had never had an account with XXXX. She asked for the last four of my SSN and confirmed that I am not the person they are looking for. 
Received another mailing dated XX/XX/XXXX from XXXX Administrative Offices, XXXX XXXX XXXX XXXX, XXXX, FL XXXX regarding XXXX XXXX XXXX XXXX XXXX on XXXX Credit Card account. Called XXXX on XX/XX/XXXX and spoke with XXXX. He could n't find any record. Sounded clueless. 
Two phone calls now, one on XX/XX/XXXX from XXXX, voice mail stating I needed to call. I did n't. Another call today and my XXXX year old mom answered. Rude gentleman stating I needed to call. Claims he is from some Recovery service. Same number XXXX. 
I do n't owe XXXX anything. I 've never even set foot in a XXXX store. 
I want whoever this is to stop calling and harassing me. 
The calls upset my mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CT

Complaint narrative:
I paid Lexington Law Firm a total of {$500.00} from XXXX XXXX to XXXX XXXX. I paid them to remove negative items from my credit reports. Lexington Law Firm did not remove any negative items from my credit reports. XXXX XXXX XXXX credit reporting agencies )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against all XXXX credit bureau for on authorize inquiries and wrong Social Security number that is reported on my credit my last # XXXX they have reported # 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 non-monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Federal loans are supposed to be XXXX due to XXXX & XXXX XXXX through XXXX XXXX XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
I have attached a XXXX documents. The customer service department sent me a message XXXX XXXX attached XXXX XXXX XXXX which clearly states : Your loan has been non-escrowed for insurance. 
However, the company still charged me for insurance from XXXX XXXX XXXX XXXX, see attachment XXXX CFPB XXXX - XXXX, They keep telling me they sent letters. However, their customer service department was negligent by sending me a message the loan would be non - escrowed. I would like my mortgage to be non-escrowed at once.

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 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
In XXXX XXXX XXXX Bank reported to chexsystems that my checking account was closed because of fraudulent activity. I closed the account on my own and there was no fraudulent activity on my account.

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 2017-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I never received any notification that I owed this debt, making it impossible to refute a debt I do not owe. The only way I found out about it was when I viewed my credit report. 

When I attempted to resolve this debt dispute, I was contacted one of their agents in XXXX who agreed to delete the report after telling me that XXXX the the original debtor. 
Since I have an account with XXXX. I contacted XXXX and the agent I spoke with affirmed that I did not own XXXX any money. 

Further more the agent stated that she would be deleting the item off my credit report, which apparently she did not do. 
The Item appeared on my credit report on or about XX/XX/XXXX. 
The amount of the alleged debt is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: NC

Complaint narrative:
Equifax has again continued to refuse to remove MISSING public consumer credit information in violation of the new rules imposed as of XXXX XXXX : " The big three credit bureaus XXXX, Equifax and XXXX will no longer report a tax lien or civil judgment on a consumer 's credit report unless it includes the person 's name, address and either Social Security number or date of birth. Existing liens and data missing this information will be expunged. '' I have provided irrefutable proof that the information found on my consumer credit report is inaccurate because it is in fact missing the required data. Equifax also refuses to provide me a copy of the original legal document supposedly issued to me containing my name, SOCIAL SECURITY NUMBER, birth date and/or address. Therefore, these state tax liens must be removed as they are invalid and inaccurate. 
I am not the only person with the name listed on these documents. Equifax is using a third party source ( XXXX ) to verify this information. 
Here is the response received from them ; " Equifax has reviewed the complaint and its records. Please be advised the creditor verified the Tax Lien case numbers XXXX and XXXX correct as reported. '' This is a complete lie. The state of North Carolina and the XXXX county Clerk of Court does not provide tax information to credit bureaus ( I sent them a letter from the NC Dept. of RevenuXXXX stating such ). The 3rd party source 'verified ' this information inaccurately and illegally yet Equifax is regurgitating the information as a fact in direct, blatant violation of the newly imposed rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I do not have a signed contract nor any contract with Deville Asset Management. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Deville Asset Management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
Firstly, today I received an email from XXXX XXXX  regarding my XXXX XXXX XXXX stating that my XXXX account would be closed effect XXXX XXXX. However, in my last billing cycle I was billed {$140.00} for an annual fee for which I will not receive any benefits for considering this account will be closed in a few months. The email received makes no mention to returning fees for service not provided. Furthermore, since being billed my annual fee I have not received any benefits as they have sent in past years. 

Secondly, when I first obtained this credit cards a few years back, I was charged for baggage fee while flying on XXXX XXXX which should have been credited back to my account as promised but never done so. I would also like this to be looked into, please. 

And lastly, I purchased a pet carrier from the XXXX XXXX XXXX XXXX check in counter for {$50.00} to transport my dog from XXXX XXXX to XXXX in XXXX XXXX. I also paid {$100.00} to transport her. Upon being on the plane I noticed the handle was defective. I filed an online complaint through XXXX XXXX and they stated that they could not do anything, but instead, would have to take the matter up with the XXXX XXXX counter at which I purchased the carrier. However, I live in Maine, and can not do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX Maryland XXXX my phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner owns all Car stores XXXX Maryland and Delaware! Cheats people a lot of people complain about the car store! XXXX XXXX salesman and XXXX the manager of that car store cheat people never got to see white sticker! On truck! Signed for truck electronically! A lot of papers for Creditacceptance at car store! sold me a lemon credit acceptance charge me to much money after what I went through for that truck had to go to therepy for my back why I brought it someone hit me and total wrecked my truck that I had brought through Creditacceptance. A XXXX XXXX XXXX paid that off XX/XX/XXXX in good standing they know Creditacceptance! the car store did n't! Brought truck XX/XX/XXXX motor was low on oil next day car store garage put oil in next day power steering started making noise needed power steering hose! They fixed! XX/XX/XXXX truck motor stated making noise carried back to car store garage left there said needed new motor! Said would put one in did n't said was something else later fixed it got truck back XX/XX/XXXX Complained to credit acceptance complaint department they did n't do nothing!! XXXX was investigator in complaint department of Creditacceptance. Her fax number is XXXX paying XXXX XXXX for a lemon a 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 2017-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Dear XXXX ; XXXX/XXXX/XXXX I received a letter today from the Law firm XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXXThe letter stated they were garnishing my wages on a loan that I had desperately tried to repay for the last XXXX years. XXXX XXXX refused all offers to repay this loan. Asking for exuberant monthly payment amounts. Advising the debt would continue to gain fee 's and interest unless the total balance was paid in full. I advised their practice to repay a debt was ridiculous and unethical. Questioning several times how can a {$20000.00} dollar loan accrue {$14000.00} dollars in interest and fees? My sister-in-law cosigned the loan for me in XXXX, AZ in XXXX. I 've contacted the law firm by mail stating what I could afford to pay and they rudely declined my request. XXXX XXXX a Minnesota based law firm sent paperwork to my employer to begin garnishing my wages which I can not afford to happen or I will lose my house. 

Very Respectfully yours, XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I contacted XXXX prior to XXXX XXXX, XXXX to inform them that I was moving to a new residence. XXXX informed me that they did/could not provide service at my new address ( which happened to be in a different state ) and therefore I needed to stop my service. They did not inform me that I owed anything, but that I needed to return my devices that were owed to them. 
On XXXX XXXX, XXXX I received an email ( the only email after stopping service, email is attached ) stating that they had received my disconnect request, and again, did not state I owed any money. 
On XXXX XXXX, XXXX I returned the devices to the XXXX store in person, was told that I did not owe anything, and received a receipt stating that the devices had been returned ( attached ). 
On XXXX XXXX, XXXX I received a letter from a collection agency Diversified Consultants Inc. ( letter attached, letter dated XXXX XXXX, XXXX ) stating I owed a debt of {$220.00} to XXXX. I contacted XXXX and they informed me I owed the money as a cancellation fee as I had voluntarily cancelled my service. I informed them that I did not have an option, I did not want to cancel the service, but that XXXX could not provide service in the new residence I was moving to and therefore should not be liable for this cancellation fee, and in addition, XXXX never contacted me informing me I would owe this fee if I cancelled service. XXXX agent informed me that there was nothing they could do, but would have a supervisor call me back to resolve the issue. No supervisor ever called me. 
On XXXX XXXX, XXXX I sent a letter to Diversified Consultants Inc. disputing the debt ( attached ). 
On XXXX XXXX, XXXX I received a letter from Diversified Consultants Inc. stating that the amount I owed was valid. Also with that letter was a bill from XXXX ( attached ) stating that my service was disconnected with a balance due of {$220.00}.

I am disputing these charges because : 1 ) I was never informed prior, during, or after disconnecting my service from XXXX that I would be billed a disconnection fee. XXXX never contacted me about the fee before turning it over to a collection agency. 
2 ) I had no other option but to disconnect service from XXXX because they could not provide service at my new residence and I should not be responsible for this fee. 
3 ) I paid all money owed to XXXX for services delivered over a 4 year period, and should not be unduly charged a fee for moving to a new location, which this debt will negatively impact my otherwise good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX XXXX, I pulled a copy of my credit report after the Equifax data breach and noticed inquiries on my account that I did not authorize. I called Equifax, XXXX, and XXXX and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
No specific representatives name and email for Experian. Only through the website. Notarized letters sent via certified mail is the seventh attempt to resolve inaccurate information concerning : Experian Report # XXXX, dated XXXX ; report # XXXX dated XXXX report # XXXX, dated XXXX ; report # XXXX dated XXXX ; report # XXXX dated 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