vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I entered a program with Chase mortgage, a loan forbearance program due to the hurricane, where I would skip a few monthly mortgage payments and they will add those payments to the back of the loan. Chase send me mortgage contact that says I had to sign and return to them saying that I owe 6 months mortgage payments, that is false, I owe them 5 months. I called them and they confirmed that it was indeed 5 but they are withholding my last mortgage payment until I sign and return the new mortgage contract and that's why it shows 6 and not 5. They are hijacking one of my payments until a sign a fraudulent document. They will not send me a new document, and told me not to contact the authorities. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I paid for electronic services partially done at my home with a Citi Master card on XX/XX/18 {$1000.00}, and on XX/XX/18 {$1000.00}. The work was not completed, and the partial work done, stopped working. I contacted the vendor and made 4 appointments which were never honored, nor called. I contacted Citi to initiate a dispute immediately. I also researched the vendor 's company in XXXX and the corporation is in default, additionally, I arranged to send the parts he installed, to the address I had, and it was returned being that the place is empty, no business there. I gave all this information to Citi, and requested for this transaction to be considered FRAUDULENT. Citi responded on XX/XX/2018 that they couldn't help me anymore, and that their investigation was complete.

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 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a collection on my credit report that I do not owe. It is for {$300.00} and it states that it was opened in XX/XX/XXXX for XXXX and then shows it is opened on XX/XX/XXXX for XXXX and Equifax. This debt does not belong to me. As you can already see this has inacuracies on one bureau it states the account was opened XX/XX/XXXX and on the other 2 bureaus it states it was opened XX/XX/XXXX and I did not get any open accounts in XX/XX/2018 because I was out of the country for a full month and returned in XXXX. I have never signed any contract with XXXX XXXX XXXX now or will ever sign a contract with them. I expect this company to delete this collection of my credit report as it is negatively impacting my credit worthiness and I do not have any signed contract with them per FCRA 15 usc section 1681i. I can not believe that such information is put into someones credit report with such inaccuracies and this is not validated by the credit bureaus. I demand the bureaus to delete this immediately followed by a credit report mailed to my house with the deletion of this account. 
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and Address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for " XXXX '' in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: NC

Complaint narrative:
On XX/XX/2018, I received an alert on XXXX that there had been a change on my credit Equifax report. When I went to the site, I found that XXXX XXXX had posted that my credit could be " affected by natural or declared disaster. '' of course, living in the XXXX of North Carolina, I am not in any such area. I contacted XXXX XXXX and did not get any response. I contacted XXXX and Equifax and neither will remove that statement. Since any XXXX search of my zip code ( XXXX ) should reveal that I am not in any disaster area, can not understand why this was not a simple fix. Apparently these large companies will only pay attention to other large companies, so I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income

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 2018-08-07 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: UT

Complaint narrative:
XXXX XXXX notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income

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 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Credit Service, Inc.
State: PA

Complaint narrative:
I answered my cell phone and was asked if this was XXXX ******, XXXX ********* or XXXX ***********. Clearly he had something with all names maiden or married. I asked what it was regarding. I was told that they have a debt in my name-not sure what one and that it was going to court. He said that it was for XXXX dollars but I could pay XXXX to make it good. I asked him to verify what it was and the name on it. He began calling me names such as a dirt bag, scum bag, leech who buys things and doesn't pay for them. What was scary is that he must have had my credit report as he told me all my current liabilities. I hung up on him. I was extremely upset. He just yelled and yelled at me, calling me names and using obscenities. I waited a few minutes and called the number and requested to speak with someone else regarding this. it is upsetting to me that someone has my information, wont verify it and I currently have XXXX due to tampering. when I called back, they transferred me to him. He began his tirade again calling me worthless with nothing better to do than call him. He stated maybe I should get a job and be less of a scumbag. I wanted verification of any debt as I have been tampered with. He continued his obscene tirade until I hung up. This company is named ARA and the phone number is XXXX. It seems to be from XXXX, IL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I made a payment on XX/XX/XXXX through XXXX XXXX XXXX 's website using XXXX XXXX XXXX as normal. However on XX/XX/XXXX I received a voicemail message. I returned the call early the next morning ( XX/XX/XXXX ) and spoke with a Mr. XXXX. He indicated that it appeared that the system was unable to locate my account. He said there may have been a glitch on their end since they were updating their system. I used another form of payment and made the payment. He indicated that any fees incurred were waived and my account was at XXXX. On XX/XX/XXXX I spoke with Ms. XXXX because when I went to make a payment on my account online, it said it was blocked because it was overdue. She informed me that their system had been down over a week but my account was current but the late fee and miscellaneous change was still reflecting in the system. I explained to her that I had spoken with Mr. XXXX and he had ensured me that those fees were waived. She said she saw the note but nothing about fees being waived. She said she would put in the request. I just received my current bill and the fees are still on my account, which total {$42.00}. I don't feel I should be obligated to pay them since they were having problems with their system.

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 2018-08-07 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: MacDowell & Associates, Ltd.
State: UT

Complaint narrative:
McDowell Associates requested my credit 8 times in 10 months. 4 times in one month alone. I have no idea who this is or why they are accessing my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello how are you my name is XXXX XXXX and everytyme I ask for a dispute of the addresses on my credit it never gets deleted some of those addresses does not belong to me and some of them are old and is not supposed to appear on my history I ask for them to be disputed and my correct address that should be on my credit is XXXX XXXX XXXX. 
XXXX tx,XXXX My name is XXXX XXXX XXXX my date of birth is XX/XX/XXXX Can the old addresses be removed they are negative and incorrect thank you

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 2018-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Nationwide Debt Reduction Services, LLC
State: MD

Complaint narrative:
My daughter called me to inform me that we received an official looking letter in the mail addressed to me that looked to be from a bank or financial institution and that it looked important. I asked her to open it and let me know what it was, and as she read it off to me, it appeared to be a threatening sounding letter from a debt collector trying to resolve an outstanding debt. After she read it to me, i asked her who its was from and she couldn't figure it out. I told her not to worry because we didn't owe anyone, and that it must be a mistake. When i got home I looked at it and determined that it was a misleading scam advertisement from Nationwide Debt Reduction Services that was sent to me because I simply have revolving debt, not because i have any debt that needs to be settled. I have outstanding credit, but this letter is written is such a way as to suggest that failure to call them within 10 days will suffer major financial hardship. I was able to figure it out, but it tricked and scared my daughter, and certainly would scare others into calling them. It is an outrageous and deceptive attempt to use fear to incite people into calling them. If this isn't illegal, it should be. Its simply wrong and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: AK

Complaint narrative:
I purchased a brand new truck in XX/XX/2018 from a GMC dealer. I used GMC financial for the lender. I signed a contract that day. The vehicle could take 2 weeks to arrive. I sold our other vehicle and had the money to advoid having the loan or payoff the loan XX/XX/2018. The dealer said we cant pay the loan off until the vehicle arrives. Unfortunately the vehicle arrived XX/XX/2018. On the same day, l called GM financial to pay off the loan so I wouldn't accrue intrest. GM financial said they have no account and no paperwork to allow a pay off. GM finianial customer care said I would not incur interest because there isnt a loan until they receive the paperwork and have payoff information. 
On XX/XX/XXXX we contacted GM finianical to request a pay off. This time they had the information and surprisingly with intrest accruing since XX/XX/XXXX. I was told I couldnt have a payoff before because they didnt have any of the information but they accure interest from XX/XX/XXXX contract. I was told they can take up to 2 weeks to prepare the loan legally. I mentioned it was just shy 2 months to receive any information to even get a payoff amount. I asked for them to change the interest to XX/XX/XXXX when I received the truck. They told me they will not change anything. I talked to 3 managers above the first person. I feel I was denied any kind of payoff and was forced to pay interest for 2 months. I asked what day they received the documents to establish an true account with payoff. They said its showing XX/XX/XXXX but acknowledged this may not be accurate with the information and call times I provided. 
My worry is I have had many loans in my life time. I never been told I couldnt payoff an account but been charged interest after the fact by back date. I dont feel comfortable with a loan they dont give me the actual date they truely funded the loan but back dated it. My credit union I have my home mortgage with said that is not normal business for a loan. They would have not charged intrest until an account was established. 

If you have time you can be on the 3rd line to listen to GM finiancal explain there is nothing they can do and totally comfortable charging interest and back dating the loan information to fit their needs. If a payoff is not provided until XX/XX/XXXX then there should be interest charged until with in reason of that date. I think millions of people are being defrauded a few {$100.00} each with this non normal practices. 

I have received zero information in the mail about loan or payments. I have the account information as of XX/XX/XXXX by calling in. Also, finding out fraud of interest charging and back dating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-07 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: Exeter Finance, LLC.
State: UT

Complaint narrative:
XXXX XXXX requested my credit 8 times in 10 months. 4 times in one month alone. I have no idea who this is or why they are accessing my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I got 2 item in my credit report, I sent a validation letter XX/XX/2018. and the second XX/XX/2018 I never got any answer, I disputed with the XXXX, came back as verify, I sent a second letter again about the debt no answer.I never receive it any bill from the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I can not tell what kind of debt they are trying to collect on though they did mention a student loan debt. I have no debts to be collected. They are calling my work sometimes 2x a day. I am not answering or responding to their calls. I have looked the number up and they are listed as a scam number. The number they are calling from is XXXX. It is always a live person that leaves the message. I have since registered my work phone number with the do not call list. In that instance, I have to wait for 31 days to be able to report them. I want this stopped immediately. Please advise. Thank you.

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 2018-08-07 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: Early Warning Services, LLC
State: NV

Complaint narrative:
XXXX XXXX Contributor : XXXX XXXX XXXX Contributor Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

Dear Sir or Madame, I am writing to dispute the following information listed below, which appears on my credit report. 

It does not relate to any transactions that I have made. It is the result of identity theft. I can confidently assume to be a victim, I did not initiate or approve the transactions. 

I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

Durning that time my significant other added me to their bank account for emergency purposes only ( paying bills etc ) I never used or added any funds to the account. It was strictly In case of emergencies. 

Please investigate this matter and take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a collection on my credit report that I do not owe. It is for {$300.00} and it states that it was opened in XX/XX/XXXX for XXXX and then shows it is opened on XX/XX/XXXX for Transunion and XXXX. This debt does not belong to me. As you can already see this has inacuracies on one bureau it states the account was opened XX/XX/XXXX and on the other 2 bureaus it states it was opened XX/XX/XXXX and I did not get any open accounts in XXXX of 2018 because I was out of the country for a full month and returned in XXXX. I have never signed any contract with XXXX XXXX XXXX now or will ever sign a contract with them. I expect this company to delete this collection of my credit report as it is negatively impacting my credit worthiness and I do not have any signed contract with them per FCRA 15 usc section 1681i. I can not believe that such information is put into someones credit report with such inaccuracies and this is not validated by the credit bureaus. I demand the bureaus to delete this immediately followed by a credit report mailed to my house with the deletion of this account. 
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and Address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for " XXXX '' in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.

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