vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-19 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: MO

Complaint narrative:
XXXX XXXX XXXX acquired my second mortgage from XXXX and never notified me of the acquisition resulting in 60 day late payment. They claim to have sent a notification mail to my physical address but this was never received. I also confirmed later that they had two phone numbers and an email address that were still active options to contact me. XXXX XXXX XXXXXXXX made no attempt. This account is 10 years old and has never had a late payment despite being transferred 3 times to other mortgage companies previously. This was negligence by XXXX XXXX XXXX and should not be on my credit report. This is an extremely systematic and unfair reporting practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2017, Equifax security data leaked and hided the incident for two months. Equifax leaked my personal information I provided. I just confirmed this leakage on Equifax website. 
7 bank accounts were found and opened by identity thief ( or thieves ) in the past two months. 
This incident they hided for two months makes my credit scores too low to finance a house for my family this year. I do n't know how long it will take to remove all fraud credit activities and restore my credit scores. Our family need a house urgently. 
And it 's keeping wasting my time to go to banks, call different banks, go to police office. 
This is a huge accident to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tate and Kirlin Assoc
State: FL

Complaint narrative:
Received a notification from my credit report that an account was added that I have no knowledge of and that no written notice was provided. After checking all of my credit reports I see that this collection agency reported this account improperly on my report., My report also states that this debt was opened in XXXX XXXX, 2017, which is also incorrect. It appears they have illegally reaged this collection account on all of my credit reports which is having a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: PA

Complaint narrative:
I applied for Income based repayment plan and my wifes income was factored in but we pay separate bills. Student loans being one of them. My payment increase significantly and I was unable to afford it. When I called and brought this to the attention of Navient I was basically told " too bad ''. Now I am in default and I can not afford this payment and I have no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Rodenburg LLP
State: WA

Complaint narrative:
I am currently being garnished from a judgement that was unfairly put on me. I was not given the chance to defend/explain myself in court and never received any papers served to myself for the given judgement. I have attempted to contact the Rodenburge Law Firm several times but every time i am met with a voicemail system and no response. I even attempted to send their company an email to which i never received a response to. 

My current employers have contacted me with the judgement which has tacked on a ridiculous amount of interest to a judgement that unfairly placed upon me. I was not given any notice to appear before court or a chance to even defend myself. 

Now, years later I am being garnished without warning from Rodenburg Law firm whom I am unable to even contact for comment regarding these allegations. 

Another thing that really bothers me about this is the chance that these documents might be forged or tampered with. I see that in the top right corner of the garnishment it says : WRITE EXPIRES XXXX XXXX, XXXX ; and at the bottom of judgement it says : Given under my hand this XXXX day of XXXX, XXXX. This paperwork looks smudged and as if it was filled in by someone with their own handwriting, in other parts of it it is not even legible ( bottom middle ). 

I do n't understand how they can take {$5600.00} out of my pay check when the original judgement was for {$3700.00} and I was never even given a chance to represent myself in court. How is this even possible or legal? Even though I have attempted to contact them several times i cant seem to get any further documentation and/or explanation out of them. 

I 've been doing research on this Law Firm and have found numerous complaints and unethical treatment of the people who they are taking money from. I am afraid i am not the only one and this horrible treatment of honest hardworking people needs to stop. 


Under the state that this debt was formed Montana the creditors violated the following laws : Under the Fair Debt Collection Practices Act, a debt collector CAN NOT : Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment ( FDCPA 15 U.S.C. 1692e )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
in XXXX 2015 after my GREAT Hubby 's XXXX, I inquired of a used van @ XXXX XXXX in XXXX XXXX, XXXX, sales person wrote it up. finding the fee, I called my son who was to purchase it said he could not do so. No transaction followed.XXXX has 'dropped their inquiry per my request THIS YR. Somehow XXXX XXXX they work with, I contacted TWICE say they have NO RECORD OF SUCH TRANSACTION, STILL THEY ARE NEGITIVE ON MY SCORE. 
PLEASE HELP WITH CORRECTING SAME. SINCERELY 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 2017-11-19 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello- I have a student loan with Navient XXXX The account is reporting on my credit report twice. One I am paying and is current on and another that is closed. On XXXX XXXX, XXXX, I went thru the loan rehabilitate program with XXXX XXXX XXXX XXXX. I successfully completed the program after making 9 on time payments. The loans were to be set to good standing and the late payments were to be deleted and I was to have a clean slate with the loan servicer. Navient closed the old loan and left the late payments on my credit report and added a new loan with perfect payment history. They should have deleted the old loan and they never did. So I have the same loan being reported on my credit report twice. They both have the same date as XXXX. I am requesting that the old loan be deleated from all 3 credit files. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX I called American Express to downgrade my credit card to a no annual fee Delta Credit Card. American Express agreed to issue the no fee card to replace my current card and to refund me the annual membership fee just charged to my account. My account balance was {$95.00}, which was the annual fee amount that was to be removed. Several weeks later I checked and the fee rebate had not been processed, so I called on XXXX XXXX. I was asured there was no problem, the refund would be made automatically, and they agreed that I did not have to pay my balance ( which was the refund amount ). On XXXX XXXX, I was charged a {$27.00} late fee. When I called and requested that the late fee be removed from my account and that the bank send me a letter stating the late fee charge was a bank error. They agreed to remove the late fee, but would not provide documentation that the fee was in error, since the balance = the refund due that Amex had yet to process. Two days later I again got an e-mail notifying me that I had not paid my balance. I called again and got the same run around. I was told it could take Amex 45 days to process my refund, and if I received additional late charges I could call and go through the story over and over again with the new customer service person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I received a payment demand from " Mr. Cooper '' aka Nationstar. I contacted the company and explained to them a mistake had been made by the company. The major issue is I do not have a loan from them now, nor in the past. I further explained that I do not own the property they claim I own. They have ignored the mistake and continue to send certified and regular mailing to me and my wife demanding monies. I am not sure why they have not simply checked with County Auditor to verify the home ownership. In my opinion this appears to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2017, Equifax security data leaked and hided the incident for two months. Equifax leaked my personal information I provided. I just confirmed this leakage on Equifax website. 
7 bank accounts were found and opened by identity thief ( or thieves ) in the past two months.

This incident they hided for two months makes my credit scores too low to finance a house for my family this year. I do n't know how long it will take to remove all fraud credit activities and restore my credit scores. Our family need a house urgently. 
And it 's keeping wasting my time to go to banks, call different banks, go to police office. 
This is a huge accident to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: TX

Complaint narrative:
I paired the my balance in full to the company that I owed the money to. XXXX XXXX XXXX of XXXX XXXX address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX their phone number is ( XXXX ) XXXX Paided them in full a long time ago for XXXX dollars. The collection agency was supposed to not even send out a notice. They said they would tell the agency that it was paid in full & delete. As of XXXX XXXX this agency has added this XXXX to XXXX as unpaided. It was n't even on that one and  now it is added and as unpaid. They were supposed to delete not add anything as the balance was paid a long time ago and they went even supposed to even send out notice muchless submit as a collection. 
Updated collection XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN N/A UNPAID $ USD XXXX I used to have these guys number but do n't know where I put it, does n't matter anyways as every time I would contact them about this issue the number was n't working anyways. very shady. 

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: CA

Complaint narrative:
Hello- I have a student loan with XXXX . The account is reporting on my credit report twice. One I  am paying and is current on and another that is closed. On XX/XX/XXXX, I went thru the loan rehabilitate program with XXXX XXXX XXXX XXXX. I successfully completed the program after making 9 on time payments. The loans were to be set to good standing and the late payments were to be deleted and I was to have a clean slate with the loan servicer. XXXX closed the old loan and left the late payments on my credit report and added a new loan with perfect payment history. They should have deleted the old loan and they never did. So I have the same loan being reported on my credit report twice. They both have the same date as XX/XX/XXXX. I am requesting that the old loan be deleated from all 3 credit files. 

Thanks!

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 2017-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I opened Amex Delta Gold credit card with XXXX plus XXXX $ of promotion offer in XXXX, XXXX. I have met the spending requirement in XXXX and contacted the Amex many times saying the offer will be posted in my account. But it has been 5 months and nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase United Mileage Plus credit card statement for XX/XX/XXXX, copy attached, shows a credit balance of {$10000.00}. There are 174 credit items listed. The XX/XX/XXXX item for {$3600.00} is the payment on my previous statement. Six items, for {$0.00}, {$99.00}, {$98.00}, {$89.00}, {$5.00}, and {$1.00} were previously identified to Chase as fraudulent. The last three credit items, for {$19.00}, {$14.00} and {$14.00} are correct credit items. The remaining 164 items are erroneous reversals of credit transactions I have previously paid for on my XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements. 

I notified Chase on XX/XX/XXXX of the serious error on my account and that it was going to cause serious repercussions on my credit standing. My dentist 's office called me to advise that {$700.00} I had previously paid on my account had been withdrawn from her bank account by Chase. I received a call from XXXX XXXX XXXX XXXX regarding my account. I advised the caller that my account, which I had closed, had been paid in full. The XX/XX/XXXX Chase statement show that four XXXX XXXX XXXX items totaling {$910.00} had been withdrawn from their account. Today, XX/XX/XXXX, I received a call from a collection agency regarding money I owed XXXX XXXX XXXX XXXX. 

I have contacted Chase weekly since my initial call. I have spoken to representatives in their Fraud and Recovery departments. The first Fraud person I spoke with told me all the items were fraud. The Recovery person told me my account would be corrected in a week. Subsequent calls all received unsatisfactory response. 

My credit rating has already been reduced substantially.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: WV

Complaint narrative:
I do not owe XXXX made arguments that didnt matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Charleston Area Medical Center
State: WV

Complaint narrative:
This is not my account possibly identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
The company claims that on XXXX XXXX, XXXX, I made a payment via the automated system using a different checking account number than was previously used in the last six months and that the payment was subsequently returned by my financial institution as unpaid on XXXX XXXX, XXXX. This information is false. My financial institution has confirmed there was no request for payment submitted whatsoever. Furthermore, I have proof I used that bank account within the previous six months sucessfully to make the payment. Company claims the same thing happened again on XXXX XXXX, XXXX. Again, my financial institution reports no payment request was made, and, again, this account was used successfully in the past. Company claims they gave me a {$25.00} credit. They did not. They refuse to return the two {$25.00} returned check fees. There were no returned checks, so they need to refund me the Two, {$25.00} returned check fees. A customer service representative told me he would refund the returned check fees. They never did.

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 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: I.C. System, Inc.
State: WV

Complaint narrative:
This is not my account possibly identity theft

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 2017-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XX/XX/XXXX I received a subpoena from Ally financial inc and legal advisers XXXX, XXXX, XXXX, XXXX XXXX. While surveying it I found exhibit c, a notice of rights to dispute debt. I never received this notice dated XXXX XXXX 2017. I called both respondents and informed them and the said i had received it because it did not come back in the mail. I believe this is unsatisfactory, careless and unprofessional. I have written a request for my 30 day notice period and a notice with correct date of XX/XX/XXXX to be sent to me. I have mailed this certified mail and express.The cost was not expensive. So how is it I, who has been out of work, can afford to be professional unlike a bank such as Ally or lawyers who get paid such exuberant amounts just to file suite . I intend to pay off the total amount, but when i requested where to have the money wired Ally refused to tell me until they called their lawyers so they can get a total with lawyer fees included. If they had given me an actual notice along with 30 days to fix this I would never have been expected to pay their attorneys fees. Might i just add the actual value is {$12000.00} and they say i owe {$17000.00} plus lawyer fees of {$2500.00} a total of {$19000.00}, this is highway robbery!

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 2017-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: RI

Complaint narrative:
Currently my husband and I are behind on our mortgage due to my husband being out of work and having a disabled child which requires a significant amount of medical expenses, therapies, and a special diet. I tried to make a payment via phone for XXXX month and I was told that the company will only accept atleast two months of payments which I could not afford at the time. I think received a bank check from my bank and mailed it in for a payment at which time the payment was returned with a letter stating unless we can pay the full amount that is past due in full which is {$7900.00} then our home will go into foreclosure. 

We claimed bankruptcy in XXXX XXXX and I have n't been offered any other payment options other than pay in full which I am unable to do right now. We do not want to lose our home and we are willing to pay.

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