vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I ran my credit score through XXXX XXXX and stated that I had a credit card account open since XX/XX/2003 which is impossible. The credit card shows as " Citicards Cbna '' and I have called the company but stated that they do not see an open account. However, the credit card shows open and i believe its part of an identity theft. Would you please help? 

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 2018-05-14 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have called Navient due to fluctuating amounts due on each of my student loans every week the prices reporting on my credit score fluctuate from owing 3k to 4k to an  increase of 8 to 9k. This is inaccurate beyond belief. My student loans are already investigation for student loan forgiveness from attending XXXX. When Sallie Mae which everything over to Navient, I've had nothing but issue they report late charges when I never had a single late charge and this goes on for months. I contacted them and they told me there was nothing they could do. This company is a fraud! Gouge students loans so not only will they never pay them off but effects everyone 's credit scores, this is a negative ripple affect. This needs to be addressed and taken care of not only for me but 1ks of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: PA

Complaint narrative:
A hard inquiry appears on my credit report. I believe it happened XX/XX/2017 while I was abroad. I did not attempt to secure a loan or do anything else that would have required a hard inquiry. The Creditor Contact Details are : XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-05-14 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: TX

Complaint narrative:
The credit reporting agency is reporting the collection account XXXX XXXX XXXX as my account this account is not mine. Also the account has been deleted off my account and reinserted back on my credit file.

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 2018-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I was beating by a patient while working in a XXXX XXXX XXXX.my employer to me ER and paid the bills which happen in XX/XX/XXXX.Just XX/XX/XXXX I found a credit report with a medical bill on it and i called the agency and they told me that i own them of which my company told me they paid everything.My CEO ask me to let them known that they are responsible so they should send it to them.They just hang the phone on me.Anytime i called they said i should paid or it will on my credit.Of which i not responsible for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 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: MS

Complaint narrative:
My name XXXX XXXX someone used my info to purchase a vehicle from XXXX XXXX  n my name this person social is XXXX which is sum little girl its not mine but they said it was mines n stuck this on my credit report I went to apply for a house cause of this on my credit report it didnt happen I have worked hard to get my credit right n now this also this person have turned this vehicle n I guess I will have too start too sue paperwork for this company

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 2018-05-14 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: TX

Complaint narrative:
The credit reporting agency is reporting the collection account XXXX XXXX XXXX as my account this account is not mine. Also the account has been deleted off my account and reinserted back on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I have two auto loans with Ally, since XX/XX/XXXX. One vehicle was stolen in XX/XX/XXXX. When it was found it had major damages.It yook Ally so long to corporate with the insurance co. I called for a payoff when I was told the vechicle was totaled, vehicle info was deleted from online also. The payoff that they gave me was less that what was paid to them by the insurance. I recieved a statement of a balance of {$2500.00} but when I called to find out why I still have a balance was told it is in review with a supervisor. I have called them at least ten times, was told it is in review eveytime I call. They call about the other loan payment at least 7-12 times a day even on Sundays this is so disgusting when I explained to them that I make online payments they want you to set up something by forcing you and they threaten you and say you do not want to corporate. I feel like this is harassment. They call from all kinds of numbers that doesn't show its coming from Ally. I can't take this anymore .But when I asked about the totaled vehicle they say you have to call the total loss department. I feel I have been mistreated and disrespected.

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 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MRS BPO, LLC
State: MI

Complaint narrative:
Company requested credit inquiry without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
I am so hurt and disgusted by XXXX/Bridgecrest. I was 28 days past due on my car loan payment and I intended to make a payment before the 30 days past due mark. I called in on the XX/XX/XXXX to make a payment but my phone call was interrupted by an incident in my home. The XX/XX/XXXX is when I became a victim of XXXX XXXX. I was XXXX and had to run from my home. I called in a few days later to make a payment and when I did, the representative said that there would not be a penalty other than a late fee but there would not be a late payment reported on my credit report due to this circumstance. A week later, I checked my credit report and a late payment was added to my account after I was already told that I wouldn't be penalized. I called in and asked why this happened and the 2nd representative told me that the 1st rep meant something different. The 1st rep was very clear in saying that if a payment was made the day that I made it, there would be no reporting of late payments to my credit report. The 2nd representative said that was a lie and refused to forward me to a manager. I FEEL LIKE I AM BEING PUNISHED FOR BEING A VICTIM OF XXXX XXXX. I also contacted them by way of email, explaining the situation and hoping I would get a call back and I didn't. I even offered to send the copy of my police report to them to show that it was not a made up story and they handled me terribly. Now this is hurting my credit and has severely lowered my score. I can not get an apartment or anywhere to stay due to my credit score dropping and it's affecting both me and my XXXX year old child who is also a victim in this situation.

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 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
I applied for XXXX XXXX XXXX XXXX XXXX XXXX.I was approved with the credit limit of XXXX $ .After several days I received email from Popular Credit Service Fraud Risk Control Department XXXX XXXX XXXX to call him.From that day I was trying to call that person and he never responded.He ignored me, my calls and my emails.Anyway I spoke to other reps, and they told me that they need from me the copy of my driver license and some utility bill to verify my address.I emailed everything the same day, which was aXX/XX/XXXX.After that I`ve tried to call several times.Everytime I was getting terrible customer service, no one was telling me anything, like I`m someone who`s doing something illegal.I don`t know if it was because of my accent or my last name, but I really felt discriminated.Anyway they told me that their investigation takes 3 weeks and it will end XX/XX/XXXX, and instruct me to call XX/XX/XXXX.I called XX/XX/XXXX and they again didn`t tell me anything.They told me I will receive a letter.In the mean time I received a bill from that credit card, and my due date was very close.Since I didn`t receive anything from them, and my account was locked, I called them again, and one representative told me that my account is closed.I was very frustrated, from the way every person talked to me. 
I don`t know in reality what`s going on, but everything is 100 legit and legal.I`m the owner of this card.I`ve send them everything what they asked.I was approved for XXXX $ because I have excellent credit history over 800 fico, great income and there is no reason to treat me like this and eventually close my account.I felt very disrespected and discriminated, by the way everyone talked to me and treated me.

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 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weinberg Mediation Group LLC
State: CO

Complaint narrative:
I was contacted three separate time by the Weinberg Mediation Group about a debt that was to be collected. The first phone call was on XX/XX/XXXX ( XX/XX/XXXX ) and stated that there were documents in their office and that I would need to communicate with them in order for them not to report my non-compliance. I felt like I was in actual legal trouble at this point until I researched this company and found out that they are a shady debt collection company. Then two ( 2 ) weeks later on XX/XX/XXXX ( XX/XX/XXXX ) I received another phone call from the same phone number stating that this would be the final courtesy call and that I should contact them so that they will not report my non-compliance in the issue and stating that they will report the non-compliance to the proper jurisdiction. I again ignored this message. And then again last Wednesday XX/XX/XXXX ( XX/XX/XXXX ) I received the same phone call from the same number stating that, again, this would be my final courtesy call before my non-compliance is reported to the proper jurisdiction. These phone calls are very inconsiderate. Many other people may fall victim to these threats because they are vague enough to imply the that are either going to take civil or criminal action against you. They also never revealed that they are a debt collection company. I have included all 3 voicemails left on my phone with dates and time that the messages were left. I have also included the actual messages that have been left by the Weinberg Mediaton Group with a rough transcript of what all was said in the voicemails. All voicemails were received from the same phone number ( XXXX ) XXXX which also shows up on my phone as a New Mexico phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: TX

Complaint narrative:
On several attempts and request I have asked experian to investigate the negative account of XXXX XXXX. Each time experian claims they investigated the account. I have asked for their method which they ignore. XXXX has acknowledged they can not validate the account as my leagal responsibility to pay. Please help hold either XXXX or experian accountable by the law. It is required by law that a reasonable investigation be conducted once a consumer disputes. On a recorded conversation with a experian representative I was told several time all experian has to do is take the furnishes word. Which I know is false.

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 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did a debt consolidation for two of my credit cards because at the time it was hard for me to pay all of my cards. It was a Capital one platinum card and XXXX XXXX card. I was makng my payments on time but i recently found out that they kept saying they were late when they were always paid on time. can you help me fix this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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 disputed several accounts due to identity theft and submitted my police report/supporting documents XX/XX/XXXX. Transunion successfully removed and deleted the items in question. As of today XX/XX/XXXX, those items were reinserted on my credit report. I have also submitted directly to the company in question my correspondence so I am confused how my identity was stolen to open accounts, then the accounts were deleted as a result, now reinserted on my file. 

Please remove 8 XXXX XXXX XXXX/XXXX  account.

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 2018-05-14 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: NY

Complaint narrative:
My name is XXXX XXXX I am contacting you regarding fraudulent inquiries on my experian credit report I have already contacted experian but they have done nothing to resolve the issue. There are two fraudulent credit inquiries on my experian credit report and I would like them removed because they are fraud and do not belong to me. I am a victim of of identity theft and I am including my police report to support my claim. Please make experian delete these fraudulent credit inquiries because they are fraud and do not belong to me and I would like them remove from my credit report at once. These are the two inquiries XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online

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 2018-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have contacted Navient several times, they still have not resolved my PAST dues even thou8gh I have PAID well over the amount due and now they are charging me a fee, and they refuse to RESOLVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I refinanced my mortgage with XXXX XXXX in XX/XX/XXXX. They sold it to XXXX, then to CHASE. I had made payments to CHASE since then. When I searched my MIN number with XXXX search, CHASE shows up with my MIN number and my ss #. But when I searched with my home address, I found that XXXX XXXX XXXX is current on my house search since XX/XX/XXXX. CHASE was shown to be inactive in status on my address search since XX/XX/XXXX( about the time I first started mortgage application on my house ). I became confused, held my payments and contacted the executive office of CHASE with the copy of the search, demanding an explanation. The only response I received in regards to the question was a Notice of intend to foreclose. I thought according to the Fair Credit Reporting Act, I should be made to know what is going on with my loan. Instead I get a foreclosure notice. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have been a victim of identity theft. There are over 20 collections for things I have no clue where they are from. I have contacted the company to dispute it but they are saying they can not remove anything without payment, which I know is not true. 

This really isn't fair, is there anything anyone can do?

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 2018-05-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive been trying to do everything I can to build my credit back up. On XX/XX/XXXX, my credit scores on Equifax and XXXX dropped drastically. Equifax dropped 74 points from XXXX down to XXXX and XXXX dropped 69 points from XXXX down to XXXX. The only things I noticed that changed was a very small increase on a credit card and 1 inquiry. Then on XX/XX/XXXX both scores dropped again 12 points and 13 points respectively. And my report that week showed that balances DROPPED. Ive examined both credit reports very carefully and Ive seen no mistakes to my personal information or on any accounts. I called both credit agencies and have been told by both that everything is based on a scoring model and theres nothing they can do. 
Then on XX/XX/XXXX, Equifax raised my score back up 83 points with no change on my report. Then on XX/XX/XXXX it dropped again 85 points and I had 2 account balances DECREASE. 
This is extremely frustrating and I cant help but to believe theres a serious problem with my account. Ive had inquiries drop my score in the past maybe 1 or 2 points, but 74-85 points is ridiculous. Ive gotten absolutely no help or even any assistance in trying to find a solution to this. If the score is correct then all I want is an explanation as to why my scores are so erratic for no reason. 
Please help me with this issue. Im at a total loss Thank you

Company response to consumer: Closed with explanation