vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 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: I.C. System, Inc.
State: UT

Complaint narrative:
XX/XX/XXXX ICS systems on behalf of XXXX XXXX submitted a charge off on my credit report resulting in my credit being dropped -50 points. I had contacted XXXX XXXX in XX/XX/XXXX when notice of this debt was received by mail. XXXX XXXX  was asked if they had received the modem which i was being charged for, they said yes. two months later i had a charge off on my credit report. I contacted the credit collector and disputed the charge XX/XX/XXXX. I contacted century link XX/XX/XXXX again gave them the tracking number, and they finally resolved the charge. However they have made no effort in good faith to repair my credit rating. They gave me blanket statements that it would probably be resolved in 30-60 days. This is unacceptable.

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 2018-04-04 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: NY

Complaint narrative:
i have disputed this with the credit bureaus 3 times i have contacted the bank ( XXXX XXXX XXXX XXXX ) over 20 times over a 3 month period starting inXX/XX/2017 when i had the loan originated with fm home loans who you bought it from there was supposed to be 4 months of reserves. 3 days before closing the terms were changed by the underwriter and i was not informed.

after XXXX XXXX XXXX XXXX bought the loan i had assumed this went through. i did not receive in XX/XX/XXXX, XX/XX/XXXX orXX/XX/XXXX stating that my payment was due. in XX/XX/XXXX i received a tax bill from my town and a mortgage bill. i call XX/XX/XXXX and asked why i received the bills and if there was money in escrow to pay it, I WAS TOLD YES THERE WAS. inXX/XX/XXXX i received the 30-day late notice from my credit report and immediately call XX/XX/XXXX to find out what happened. they explained that there was no money in escrow for mortgage and that when i was told there WAS they were only referring to the tax bill. I IMMEDIATELY PAID ALL 3 MONTH OF BACK MORTGAGE TO CLEAR UP THE MISUNDERSTANDING.

The 30 days late was not my fault, it was not XX/XX/XXXXfault but a tragic misunderstanding by both parties and i should not be penalized for this. I have provided documentation from both the originating bank ( fm home loans ) and emails stating this.

the only response i get fromXX/XX/XXXX is " we looked into the matter and believe the reporting 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 2018-04-04 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: NY

Complaint narrative:
Both creditor XXXX XXXX XXXX and agency credit report XXXX are not willing to take out the bad report from The account that is not mine! i was just authorized user for sometime for work related and I understand account has been charge off cause the account owner has passed away

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
About 5-6 months ago early morning I received a call from someone claimed representative of Western Union, I was immediately informed what the call is all about. Per caller it's " Consumer interview '' and told me Ill be ask to provide some personal information in order to continue the use of their service. I asked if it's a mandatory and the caller said no, in response I said I don't want to participate and don't want myself to get involved, the caller responded saying I might loose my Western Union access sending money local/international if I didnt participate. I explained, I have no issues whatsoever participating and providing information to anyone or anybody specially if it's government/federal required, I continued and said my only concern is the authenticity of his call as I dont know if hes really from Western Union as he claim he was. I continued and even ask if there's any number I could call from Western Union or other means to do it so I could provide the company what information they might need to continue my use of their service, I explained further that my hesitation and non-participation to phone interview is due to the recent incident of hacking to my wife 's email account whereas Western Union MTCN I sent her was compromised. Call lasted about 5mins and ended without giving me any other option, caller just reiterate that I might loose my Western Union access sending money. Weeks later I found myself loosing access with all credits in it I earned from using the services. I called Western Union dozen times to report what happened and was told many different things i.e. System glitch, System maintenance and many others and that I could try again next time but still no luck. Few more phone calls and long hours wait before I finally redirected to the right team, they explained what happened and what needs to be done to rectify and reinstate my account, I was compliant with ALL requirements they need and ask of me, unfortunately 5-6 months passed and the issue hasn't been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Every month I receive a letter from them stating that because I have no insurance on my vehicle they are tacking on an additional {$70.00}, I do in fact have full coverage insurance on my car and have never had a lapse in coverage. Every month I call and they tell me that they received a cancellation notice so I call my insurance company and they say theyve never sent one. In XX/XX/XXXX my car was hit and so I filed a claim with my insurance and they sent the claim to Lobel and they told me that the letter my insurance company sent was a cancellation, when I asked them to send me a copy of what they received they told me they cant because they dont have it. I have had to call my insurance company every month and ask them to fax my insurance over which they do, after Lobel gets it they say they received the wrong information but I always ensure they fax exactly what they ask for. Every month I pay my car payment either early or on time and every month they are threatening to ding my credit report because I refuse to pay the additional {$70.00} that they are tacking onto my monthly bill. When I filed my insurance claim my insurance company sent me a check that had both my name as well as the auto body shops name on it, when I was on the phone with Lobel the girl told me I needed to send them the insurance check, I politely told them no it goes to the auto shop and she told me if thats what you think

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: CORELOGIC INC
State: CA

Complaint narrative:
There are 17 inquiries on my credit report that are not mine. I did not authorized any other there inquiries. I want them removed from my credit reports. See company and dates below : Credco XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: FL

Complaint narrative:
I am probating the estate of my deceased sister and the house will eventually be in my name. During the process, I attempted to modify my sister 's mortgage because I will obtain ownership and did not want the house to enter into foreclosure. The loan was being serviced by XXXX and I submitted all the requested documentation to XXXX and it approved my assumption agreement on XX/XX/XXXX. I made some payments to XXXX and I signed a final assumption agreement with XXXX and returned the signed assumption to XXXX. Then, XXXX transferred the loan to Selene Finance. On, XX/XX/XXXX, Selene sent me a letter stating that my assumption is denied. I have paid a total of {$9200.00} from the period of XX/XX/XXXX to XX/XX/XXXX to XXXX/Selene. 

Every time I have called Selene it recorded all of conversations with me and my attorney and constantly assured my attorney and I that if I continued to make payments they will continue to explore whether any other plan was better for me other than the one I was approved for but to continue making the payments. However, the company lied and now denied my assumption agreement that was already approved by the prior services, took my money and made no accounting for the money, and is trying to take the house away from me. 

I faxed a letter to Selene Finance on XX/XX/XXXX requesting a written response regarding my approved assumption agreement. My attorney faxed a similar letter to Selene on XX/XX/XXXX. On XX/XX/XXXX, my attorney received a letter from Selene Finance dated, XX/XX/XXXX, which indicated that Selene is in receipt of correspondence requesting information regarding Estate of XXXX loan. The letter also indicates that Federal law requires Selene Finance LP to respond to correspondence within 30 business days of receipt. More than XXXXhirty days has passed and Selene has yet to respond in writing to my and my attorney 's letter. Again on XX/XX/XXXX my attorney sent another fax to Selene. To date, there has been no written response generated by Selene.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: LEXISNEXIS
State: WI

Complaint narrative:
On XX/XX/XXXX I sent in a police report and a copy of a letter I received from the bankruptcy court stating that all the credit bureaus including lexis Nexis get my information from a pacer system and not he actual bankruptcy information from the courts. 
Lexis Nexis refuses to delete the bankruptcy from there records permanently. 

In XX/XX/XXXXand XX/XX/XXXX I was a victim of extortion a girl used me for money which is why I filed a chapter XXXX they claim the bankruptcy needs to stay on my report XXXX and I strongly disagree. 
the person XXXX XXXX took advantage of me I had no choice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Recovery Solutions, Inc.
State: FL

Complaint narrative:
they keep collecting on a debt that is not mind i never rented a car from the dealer is all fruad i wrote to them told them i disputed this debt and there still refusing to send me proof they claim that they have an invoice which is not mind i never signed anyting with these people

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advanced Recovery Systems, Inc.
State: MS

Complaint narrative:
XXXX XXXX has made several calls to my place of employment even after I left her a voicemail asking her not to do so and to call my personal cell phone. I called to make a payment and she never returned my call. She is a rude person and a bane to humanity.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: MD

Complaint narrative:
I contacted XXXX XXXX they gave me dates that I stayed in XXXXXXXX XXXX  XXXX XXXX, but I had insurance. XXXX XXXX XXXX XXXX. I called my insurance and they confirmed it as well. I gave them the dates, and then called XXXX once again ... They confirmed that they sent over proof of insurance to XXXX XXXX and they have not taken off the collection accounts from my credit report. I contacted XXXX XXXX and they're saying it is still active, at this point I do not know what to do. I DO NOT OWE ANY MONEY TO THIS COLLECTION AGENCY.

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 2018-04-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a fraudulent account on my credit report With XXXX XXXX that I have been dealing with for over a year I turned in police report and identity theft Affidavit to the company and the credit reporting agencies All except Equifax has removed this account from my report a year ago and I provided them all information need to show this was not done by me Ive been disputing this account asking if they feel like this account should be on my account to show physical proof of a contract with my signature on it no one can provide this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, I called XXXX XXXX for our business account to let XXXX XXXX we terminated several employees and I did not want them to have access using the company 's gas card or XXXX to purchase gas since the employees no longer work with the company. The Representative for XXXX XXXX Customer Service department told me she had to reissue our gas credit cards and this would prevent the use of the card or XXXX to charge gas on our account. I received my bill and notice several unauthorized charges on our account. I ended up getting a Supervisor after making several calls to find out the Representative in XX/XX/XXXX gave me the wrong information. I requested a Fraud investigation on our account for the unauthorized charges made to our account. I told I had to speak to the XXXX department since the charges were made with a XXXX. I have now made 5 request to  have the charges from XX/XX/XXXX - XX/XX/XXXX unauthorized charges be investigated and XXXX XXXX and Citibank refuse  to look into the matter or send me the requested documents to sign to investigate the unauthorized charges. I getting harassing dept collection calls 3-5 times a day. I have accrued interest on charges I should have never charged in the first place or had to pay, because I notified XXXX XXXX from the very beginning. XXXX XXXX Account # 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 2018-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I've financed a car with PNC Bank for 5 years now. This year the car was scheduled to be paid off. Being in XXXX Florida I was affected by Hurricane Irma in XX/XX/XXXX. PNC Bank and FEMA partnered together on a program to offer their clients within the specified disaster area a way to assist them with any hardships the Hurricane may have caused. I was enrolled in this program which included a 2 month extension to assist me during this time. I do not recall filling out any documentation for this program, and I could imagine there was a good amount of people who were affected. After I made the next payment that was due on XX/XX/XXXX,  I was told by one of the service reps at the bank in XX/XX/XXXX that I qualified for an additional 2 month extension. I was offered a 1 month extension by the service rep at PNC Bank. Then she mentioned that I actually qualify for another 2 month extension and if I wanted to enroll. I accepted her offer for the XX/XX/XXXX and XX/XX/XXXX extensions. At this point I thought the bank was going above and beyond to assist me and provide extra support. I was never told by the rep that their offer to me was not approved and that there was a chance it being rejected. I did not make my XX/XX/XXXX and XX/XX/XXXX monthly payments due to the fact that I was being offered the two month extension. On XX/XX/XXXX I  heard a loud noise outside my window of my condo and there was a tow truck repo taking my car. I wasn't given any call prior to this explaining the Bank made an error with providing the extensions to me and if I was able to make the XX/XX/XXXX and XX/XX/XXXX payment. I was told by the bank after the fact that I didn't qualify for the 2 month extension because I was over my payment extension limit for the life of the finance. But I did still qualify for a 1 month extension. This mistake on the Bank 's part should have not resulted in the repo of my car. If I was given the right information or notice about this I would have made the payment so that the bank wouldn't have taken my car. I was told after the fact the bank sent out a denial letter. During the month of XX/XX/XXXX I moved to a new place and never received the letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: SUNTRUST BANKS, INC.
State: NY

Complaint narrative:
Both creditor sun trust bank and agency credit report XXXX are not willing to take out the bad report from The account that is not mine! i was just authorized user for sometime for work related and I understand account has been charge off cause the account owner has passed away

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 2018-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Unsure of the exact date, but according to the collection agency stated that is was in XX/XX/2017. I wanted to work things out with the company but they referred me over to this company, I feel that I was not given the time to work out a payment plan with them, or did I receive any notifications through mail, email nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: OH

Complaint narrative:
US bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
This is in response to complaint XXXX. CMRE Financial responded to my initial complaint yesterday and stated they sent me validation yesterday as well, but failed to respond to my secondary complaint which is that they are not bonded or licensed to collect a debt in the state of IL. By Federal law, if a collection a gency is not bonded or licensed in a particular state to collect a debt, they legally have to delete all accounts from all credit reporting agencies. If they fail to do so, I will be pursuing legal action with my lawyer. This debt will need to be deleted ASAP. This has nothing to do with the validation they are sending me, this is a separate issue. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: CA

Complaint narrative:
I have my student loan with XXXX XXXX. This is because of the PSLF program. 
XXXX has been taking unauthorized actions on my account without providing proper notice. XXXX placed my account on forbearance without informing me or obtaining my consent, leading to a decrease in the number of payments applicable to my PSLF credit. Further, XXXX has not kept accurate records of my payments. XXXX does not inform me when it takes actions on my loan, or obtain my permission before placing me on different payment plans or notify me of account changes. Since XXXX is the only provider that administers PSLF, their actions are unfair and discriminatory. If this complaint is not resolved, I am unafraid of taking legal action against XXXX, CFPB and the Ombudsman if necessary to ensure my loan is properly administered.

Company response to consumer: Closed with explanation