vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Walwick, Inc
State: WA

Complaint narrative:
My husband had a XXXX in XX/XX/2014 and there were some problems with the insurance card in file was the same insurance company but not longer the current insurance. 
I had several calls to the medical billing department about my insurance did not received these medical claims for this XXXX this was going on for several months. Then went I received the bill from them it was incorrect amount cover by they insurance they went back and for and to be honest a forgot about this bill. Time past then I received a collection notice from XXXX XXXX XXXX XXXX I talked to them about the amount see to height after insurance paintments. It was other medical bill that I just payed with the same collection and I was waiting for them to clear my credit before paid this bill. Time past by and they stop to contact me until I checked my XXXX XXXX   and I found a balance of {$1500.00} plus I did not understand. XXXX  told me I owned this medical bill for my husband I want to pay it but they want me to contact the XXXX. I called them and they are charging interest on my account when they had stop their collection letter only after I call them they send me one. They are not willing to work with me and want to keep change interest.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MNE Services, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX credit of XXXX dollars which I applied for went into my husband account on XX/XX/XXXX I was told and show I was only have to pay the principal and a interest of XXXX dollars they caused me to loose everything buy lieing to me and threating me with lawsuits and jail time can u please help withdraws from XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-03-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Lease company saysXX/XX/XXXX payment 30 days past due, which is incorrect. Tried contact company several times but did not resolve. Tried disputing thru XXXX XXXX  but did not resolve. Have proof that payment was made on time. This 30 day negative remark have ruin my excellent payment history causing my score to tumble 37 points As you can see on the statement their was a problem on their system that cause a reversal on XX/XX/17, then payment was accepted that cause this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 

I am challenging them for COMPLIANCE on the Metro-2 submission process as well as the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a letter to Transunion explaining that I am a victim of identity theft. I included the FTC Identity Theft Report, police report, Proof of Identity, copy of my credit report and the Fair Credit Reporting Act Section 605B as well as the fraudulent accounts it has been well over 30 days and these items were not removed as I requested. XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXXe account number XXXX, XXXX XXXX  account XXXX   and XXXX XXXX XXXX XXXX account XXXX, XXXX account number XXXX, 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 2018-03-30 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: CORELOGIC INC
State: NC

Complaint narrative:
I wrote a letter asking for proof of my paperwork and still have not received anything yet I do not recognize this inquiry To be mine approximately a year ago I had some fraudulent activity down to my account and I believe this is part of it

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 2018-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I contacted Ally bank regarding an unauthorized transaction on my debit card in the amount of {$190.00} which has posted on my checking account on XX/XX/XXXX. I advised Ally to close my debit card as this charge was not authorized by me. Ally issued provisional credit on XX/XX/XXXX for the dispute case XXXX for {$190.00}. It was several months before I heard anything and thought this case was closed. On XX/XX/XXXX Ally reversed the provisional credit and sent me a letter indicating the reversal date but no explanation as to why I am liable for unauthorized charge on my account. I tried to get in contact with customer service asking to reopen this claim. My last attempt was just today on XX/XX/XXXX but the supervisor indicated after an extensive hold time that she was not able to locate the dispute. This frankly make me very concerned as I have a large sums of money with Ally bank and the way they treat their customers. I don't feel my money is safe if they are siding with unauthorized transactions on their customer 's accounts without even providing reason for their decision. I am very skeptical about their debit card use and even having one open at this time.

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 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Tribal Lending Enterprise, Inc.
State: WA

Complaint narrative:
I am from Washington state, XXXX, I was borrowed a money from XXXX XXXX XXXX institution a year ago about {$500.00} dollars on principal amount.I was paid the {$500.00} dollars in a short term period and they ask me an interest which is almost {$1000.00} dollars. This is beyond my situation. I didn't know about this lender before about their non license business which they are conducted in washington.This lender XXXX XXXX XXXX  insult me by many call and I am asking now a serous investigation must be taken by this lender how they are working their business and their beyond interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 

I am challenging them for COMPLIANCE on the Metro-2 submission process as well as the FCRA

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 2018-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient really secured me. A/K.A XXXX XXXX. I went from borrowing from what I was told to getting a loan amount after graduating and following there rules to {$130000.00} in my Federal Loans. They were charging me every month {$1800.00} and at the end of the year all I paid was nothing off the principal balance it was to pay interest. They changed my rate when I had it fixed to variable which I never agreed too. I asked them to please help me and I'll make payments but to lower the interest and payment cause I only make {$40000.00} annually. Also, they didn't care I had Private loans of {$23000.00} which they overcharged me all my loans and lied to me and I tried to explain to them what I signed but they didn't care. They just kept charging me over and over and all they did was to take my money and I have been struggling financial hardship. How can they get away with this. Navient charging me over interest throughout the year. I was lied or not told what my loan was about and when I asked them to explain customer service didn't care and didn't even want to work for me. I do my best to make payments but I had to deferred or forbeaurance cause I couldn't make there payments. As for Income repayment plan they don't take into account the amount of bills I have to pay and for my Private loans they told me can't do anything and you need us to pay us if not bad credit and than I would get even more hurt by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: TN

Complaint narrative:
This is a robocall so I am unable to talk with anyone. They call everyday and sometimes twice a day. As I have never heard of this company, and the call says the company is Monarch Recovery, I XXXX and it is listed as a collection agency. I know they are calling the wrong number as I have no debts except a mortgage, which is not behind, and my credit rating is XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 
I am challenging them for COMPLIANCE on the XXXX submission process as well as the FCRA

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 2018-03-30 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: NC

Complaint narrative:
Inaccurate account appearing on my credit report the account. The account is past the date of first delinquency and needs to be removed. Account is a XXXX  acoount # 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 2018-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 
I am challenging them for COMPLIANCE on the XXXX submission process as well as the FCRA

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 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMR Progressive, LLC
State: CA

Complaint narrative:
PMR PROGRESSIVE is reporting an account on my credit that I do not own. This account from XXXX XXXX XXXX has NEVER been my account. I called them I was told because the account was " so old '' that they did not have any records of the account, yet they are currently reporting this account as an active collection.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-30 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: Credit Plus Inc
State: NC

Complaint narrative:
I wrote a letter asking for proof of my paperwork and still have not received anything yet I do not recognize this inquiry To be mine approximately a year ago I had some fraudulent activity down to my account and I believe this is part of it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I wrote a letter asking for proof of my paperwork and still have not received anything yet I do not recognize this inquiry To be mine approximately a year ago I had some fraudulent activity down to my account and I believe this is part of it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: CA

Complaint narrative:
Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX.

I have attached What these items are :

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 2018-03-30 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: CA

Complaint narrative:
Well established how opprobriously malignant and MIS-MANAGED these clumsy credit bureaus really are. I went round and round with these derelicts for years and reported this already to you people [ c ] ountless times!!!! I just got a fraud alert from XXXX that is the free XXXX  credit monitoring for XXXX 's sloppy breach 2 years ago. Anyways inept clowns at experian has allowed some malignant collection agency to duplicate the same negative garbage that is ALREADY being reported for the last 2-3 years now?! # Some putrid agency calling themselves second round from XXXX texas self-created a new FRAUDULENT account in my name so it appears as new. THIS is NOT a new account and obviously illegal and punitive. This {$5500.00} is already reporting and now charged off!!! These scumbags think they can be cryptic and blundering probably because they paid inept experian a fee to scam harass and deceive my actual credit report. I told all creditors 3 years ago I was cheated and retaliated against at my last federal job for confronting worthless derelicts, fraud waste abuse still rampant. I did NOT magically ignore my bills. Obviously ran out of money and now live in poverty! I don't care how many conniving collection agencies they send, obviously illegal to self-create a new fraudulent account using a different name using the SAME debt 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 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The company I C SYSTEM INC has listed a debt on my credit reports in the amount of {$510.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.

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 2018-03-30 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: Tenant Data Services Inc
State: NC

Complaint narrative:
I reached out to these companies about inquiries that are on my report I in fact do not recognize I had a fraud alert on my credit report due to identity theft I have mailed letters to these companies and requested verification and have not received back yet

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: MEDALLION MORTGAGE COMPANY
State: NC

Complaint narrative:
I reached out to these companies about inquiries that are on my report I in fact do not recognize I had a fraud alert on my credit report due to identity theft I have mailed letters to these companies and requested verification and have not received back yet

Company response to consumer: Untimely response
Consumer complaint received 2018-03-30 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: BB&T CORPORATION
State: NC

Complaint narrative:
I sent out letters and tried to rectify everything with you Financial institution I have asked them for they were confirming these were in fact my inquiries and I let them know that I had I didnt need that in the past two years and I had a lot of stuff that was not mine again I have asked them to remove these inquiries or show me proof in which they are unable to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear consumer finance Protection Bureau. 
To whom it may concerned, I wish to filed a complaint on Citibank. on XX/XX/XXXX, I applied for a debt Consolidation loan through my credit union to consolidate several accounts. But as of XX/XX/XXXX only two was not resolved, the best buy with a balance of ( {$440.00} ) and Home Depot balance of ( {$800.00} ). My credit union relationship specialist has been working on helping me in resolving this situation, but to no avail. 
sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: PREFERRED CREDIT INC
State: AL

Complaint narrative:
I have requested multiple times that this company provide proof of my authorization to inquire on my credit.

I do not recall applying for credit with Preferred Credit Inc. I did not authorize anyone employed by PCI to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry.

From the FCRA 616 : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation