vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: LA

Complaint narrative:
There is a debt on my credit report from i c system inc, for a XXXX XXXX bill, this is my XXXX time disputing this account and getting it removed only to be resold to another company. The first time this account posted by collection, i contacted XXXX XXXX, and through there investigation the concluded that this was a fraudulent acccount

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 2018-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
Look on my credit report and I see I had a previous account open with XXXX I filed an Identity theft report with the local police department and submitted all the information over to the credit bureau but XXXX refuses to remove the theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MT

Complaint narrative:
THIS COLLECTION AGENCY FOR XXXX IS NOT MINE - I HAVE NOT HAD XXXX IN MANY YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stevens Business Service, Inc.
State: MT

Complaint narrative:
STEVEN BUSINESS SERVICES HAS LISTED ON XXXX  FOR TOWN OF XXXX WITH NO AMOUNT OWEING - THIS SHOULD BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
A Salesman from XX/XX/XXXX tried to sell me a bed for over {$5000.00} I repeatedly told him I could not afford a {$5000.00} bed after 5 hours trying to sell me the bed at {$5000.00} told me I could have it on sale today only for {$2000.00} After I agreed and signed papers at {$200.00} he later added numbers that brought it to over {$5000.00}. The money to buy the bed was loaned to me by preferred credit, I am Bankrupt since 2009 XXXX and only draw Social Security. The sale of the bed at the price of over {$5000.00} was fraudently done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This company Captial one auto financial. Company has been abusing reporting on my credit report. They take three months to report good things on my credit. They instantly report bad things on my credit. I notice this in XXXX when I went to look at a new car. Car company ran my report and capital one 3 month behind. I had just paid then XXXX dollars. My car payment is XXXX a month. I called them and paid additional money on my account XXXX. Then I notice that my credit report was not changing. I called and asked them how can I get out of this loan. I informed them that I no longer want to be with this company with a loan. I was told that I had to pay the whole thing. I told them that I could only pay XXXX in XXXX. They told me that my account would be current. Next thing i know the called saying i owe them XXXX. I said I just paid XXXX. They told me that only counted for one month. I told them I was not behind. I was paid up the account. They never honored my XXXX  payment. Now they saying I am behind 2 months. However, i would like to know where the XXXX   went on my account .my credit score was XXXX and they have taken it down to XXXX. This is unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have a fixed rate loan at Navient which I have been paying on for almost 9 years. Going thru my payment history I noticed that each month the interest is different and not by small amounts. {$8.00} one month and the next {$23.00}. Other months {$4.00}, {$6.00} even {$16.00} more than the previous months. There should not be that much difference month to month. Something tells me shady bookkeeping is going on. Have paid {$2100.00} on interest in all these years. Sent a email to Navient on XX/XX/2018 about this issue and also said I would be reporting this to CFPB. 
Thank You for your Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: PR

Complaint narrative:
I have a personal loan with Discover Bank of principal balance of XXXX. Also I have a Discover credit card always in good standing without any late payment. 

On XX/XX/2018 was supposed to be the first due date of the personal loan ( Discover ). By personal problems ; the first payment was paid on XX/XX/2018. The next payment was on XX/XX/2018 ( due date is number 3 with grace period of more five days ) so the repayment is current and on track at the present. Also prior to XX/XX/XXXX ; the late fee of XXXX was paid ( XXXX dollars ). 

Discover Bank with out any prior notification, any call and in violation of the personal loan contract ; suspended or freeze my credit available of my discover credir card. Approximately 6,700 of XXXX ( total ) is my credit available. So I always maintained in good standing my credir card. 

Discover violated its contract, cancel my credit available with out any prior notification and using the credit card as a collateral and suspended without two missed payments.

Additionally the last statement of the personal loan reflects different principal balance in compare with the credit report at this moment. The principal balance in the credit report is not correct infuse by Discover and its mayor than real principal balance reflects in the hard copy loan statement. So it is malicious information in the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Creditors Name : XXXX XXXX XXXX XXXX Account # XXXX Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Past Due Amount {$1300.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, DE 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 2018-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Creditors Name : XXXX XXXX XXXX XXXX Account # XXXX Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Past Due Amount {$1300.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, DE 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 2018-12-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
The information shows that the account is placed as a in collection or charged off. This information is very inaccurate because I was considered XXXX XXXX XXXX XXXX XXXX XXXX by the Veterans Affairs. I did all the required documents so it was placed as a loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
From XXXX through XXXX I had a VA loan serviced by Wells Fargo. During the 4 years, Wells escrowed my property tax and hazard insurance payments. In those 4 years, my property tax bill went up 18 % and my hazard insurance went up 20 %.

My Wells escrow went up 81 %! There are 4 reasons this happened : 1- Wells escrowed the hazard insurance even though a H O A master policy made that unnecessary.

2- They paid the hazard insurance 12 months in advance, going into the next year, rather on a monthly schedule, then claimed I was up to 11 months short in my account. 
3- They paid my property taxes a month early before the XXXX and XXXX due dates, then claiming I was a month short in my escrow account each time. 
4- Wells offered to increase my monthly escrow by 1/12th of the shortage to catch up. 
They started this in XXXX, but then reassessed the escrow account in XXXX of the next year, adding another shortage to my balance. In one year the shortage went from {$170.00} to {$970.00}. 
I'm on Social Security and a VA XXXX wage. I have the paperwork. My question is, can they do this legally? It would eventually overtake my ability to pay the loan. 
Thank You, 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 2018-12-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I would like to know why do I have to pay back interest on my student loan. I have a forebears until my case end my be up to 2 years, because my school misled me and closed down. i have a case with the federal borrower defense. It's been 8 months. I don't know why i have to pay navient interest on my loan for something that not my fought.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 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: NC

Complaint narrative:
In XXXX of 2018 I submitted a dispute through the mail for accounts and also inquiries that were fraudulent and showing on my credit report. I would like these items to be reviewed removed and blocked. As a victim of identity theft and because of these unauthorized accounts I am unable to obtain legitimate accounts for myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My husband had borrowed in my current house.The entire loan was on his name. I have been trying to instate myself on the loan so I can retain my home. Ocwen is not reinstating me on the loan due to a bankruptcy done by my husband. They are offering a loan modification to my late husband. I want to keep my home. I have provided all the proof and I have a great job. I am a XXXX and have done everything right in my life. Its my bad luck that my husband did not look out for me. I have a XXXXr and an XXXX year old mother who live with me. They depend on me. It will be a shame that I will lose my home for some silly paper work. I am willing to work with Ocwen. I have contacted them several times. Please help me save my home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 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: NC

Complaint narrative:
In XXXX of 2018 I submitted a dispute through the mail for accounts and also inquiries that were fraudulent and showing on my credit report. I would like these items to be reviewed removed and blocked. As a victim of identity theft and because of these unauthorized accounts I am unable to obtain legitimate accounts for myself.

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 2018-12-25 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: NC

Complaint narrative:
In XXXX of 2018 I submitted a dispute through the mail for accounts and also inquiries that were fraudulent and showing on my credit report. I would like these items to be reviewed removed and blocked. As a victim of identity theft and because of these unauthorized accounts I am unable to obtain legitimate accounts for myself.

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 2018-12-25 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:
I have submitted twice to Experian to have a closed XXXX XXXX account updated to show it closed in XX/XX/2018. Both times they updated it to show charged off at a later date. This account should show closed and no further activity after XX/XX/2018 when it was paid in full and closed. Experian has failed to update this account properly and continues to make errors on my report.

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 2018-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
In a letter dated XX/XX/XXXX from ERC, I received a response to a previously disputed debt. ERC sent a response to a validation request after I informed ERC that I do not owe them or XXXX, the original creditors. I told them to remove the debt completely from my credit report as it is not a debt or settled. XXXX falsely advertised that they provided high speed internet in my area when in fact they didnt. XXXX eventually sent me a refund check. The service was activated and cancelled the same day because it was not high speed internet. It was dial up and it was extremely slow. High speed is not offered in my area from XXXX in early XX/XX/XXXX. XXXX should not have place me in collection and ERC has been informed of all this. I want ERC to remove the bogus account because they dont even have the correct account number at all and I do not owe ERC or XXXX and they keep sending me correspondence and putting damaging remarks on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alco Collections, Inc.
State: CA

Complaint narrative:
I moved out of XXXXXXXX XXXX XXXX on XX/XX/18 and took photos of the apartment since no one did a final walkthrough. I paid a XXXX dollar convenience fee for carpet cleaning and thus did not clean carpet. Over a month later i received a bill for carpet replacement with no itemization or photos. I attempted to dispute as well as offered to set up a payment plan. I was refused a payment plan by XXXX XXXX. Apparently this was sent to collections with no notification to me. I attempted to call also collections to figure out payment and was abruptly hung up on. I do not trust this debt collector to take my money as he is highly unprofessional. He has sent no notice no bill and I have no idea how or where to send payment to get this fraudulent charge off my credit. There were no rips tears or stains in carpet

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Business Bureau
State: IL

Complaint narrative:
Collectors Name : MEDICAL BUSINESS BUREA Account Info : XXXX Creditors Name : XXXX XXXX  Open Date : XX/XX/2014 Balance : {$520.00} Debt : {$520.00} Contact Info : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed a chapter XXXX bankruptcy in XX/XX/2008. I had interest in an XXXX  at the time. I disclosed this information in my original filing. The Court erroneously filed my chapter XXXX bankruptcy without including that information. The court dismissed the original bankruptcy filing, and then refiled the case under a different case number to add my interest in the XXXX instead of amending the original filing. My credit report shows I have two bankruptcies filed in XX/XX/2008. I have contacted the credit reporting agencies to have the erroneous filing removed, and provided proof from the court of their error but they refuse to remove the erroneous filing from my credit report.

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 2018-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
Collectors Name : ENHANCED RECOVERY CO L Account Info : XXXX Creditors Name : XXXX XXXX XXXX Open Date : XX/XX/2018 Balance : {$230.00} Debt : {$230.00} Contact Info : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed a chapter XXXX bankruptcy in XX/XX/2008. I had interest in an XXXX at the time. I disclosed this information in my original filing. The Court erroneously filed my chapter XXXX bankruptcy without including that information. The court dismissed the original bankruptcy filing, and then refiled the case under a different case number to add my interest in the XXXX instead of amending the original filing. My credit report shows I have two bankruptcies filed in XX/XX/2008. I have contacted the credit reporting agencies to have the erroneous filing removed, and provided proof from the court of their error but they refuse to remove the erroneous filing from my credit report.

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 2018-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed a chapter XXXX bankruptcy in XX/XX/2008. I had interest in an XXXX at the time. I disclosed this information in my original filing. The Court erroneously filed my chapter XXXX bankruptcy without including that information. The court dismissed the original bankruptcy filing, and then refiled the case under a different case number to add my interest in the XXXX instead of amending the original filing. My credit report shows I have two bankruptcies filed in XX/XX/2008. I have contacted the credit reporting agencies to have the erroneous filing removed, and provided proof from the court of their error but they refuse to remove the erroneous filing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I looked at my credit report today and I found inaccurate information about my address my employment and accounts. My name is XXXX XXXX XXXX my DOB is XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I AM SELF EMPLOYED XXXX XXXX XXXX ( OWNER ) NEVER WORK AT XXXX XXXX   PLEASE DELETE. 
The following addresses are not mine possibly Fraudulent Please delete : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my report actually belongs to me. I have not records of the items listed above, if the above items are inacurate, misleading, or incomplete, you may have violated federal law. 
the following items are unverified PLEASE DELETE : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief