vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery XXXX XXXX,2012 Amount : {$XXXX} I 've disputed with portfolio recovery with XXXX they failed to remove my account. I do not have a signed contract with Portfolio Recovery Associates this account is invalid. Please remove this account. I have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quick Debt Services LLC
State: GA

Complaint narrative:
Received a call from XXXX XXXX XXXX Stated his company name and that he could process paperwork for getting my mortgage modified. It takes approximately 90 days. Once the processor has been notified of modification they can not ask for a payment therefore, rather than send my mortgage payment to the servicecer I would send the payment to XXXX XXXX the amount that I would be paying on my mortgage. When the modification is granted I will then get reimbursed for the 3 payments made to XXXX XXXX. That is how they are paid. XXXX then told me my processor 's name is XXXX XXXX XXXX. 
File to big to attach. Only attached documents to be returned with checks

Company response to consumer: Untimely response
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
On XX/XX/2017 I purchased a home near XXXX XXXX, XX/XX/XXXX. Standard Mortgage Corporation required that we escrow both taxes and insurance. At closing we prepaid a year 's insurance premiums ( {$1100.00} for homeowners insurance, plus {$1400.00} for flood insurance ). 

Now XXXX XXXX says they have not received any payments from Standard Mortgage and if they are not soon paid I will have to pay the premiums all over again, this time directly to XXXX XXXX. 

I have sent an email to Standard Mortgage and talked to XXXX XXXX in Customer Service when she called me today. She is not sure whether the problem is with Standard Mortgage or with the Title Company that did the Closing. I know that, per the Closing Documents, I paid the funds to Standard Mortgage, and therefore that is who should make the payments. XXXX XXXX has the correct address for Standard Mortgage 's Escrow Department in XXXX XXXX, XX/XX/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 2017-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was struggling to pay my federal student loans, which were serviced partially by XXXX XXXX ( now Navient ) in 2008. I called them for assistance, and they somehow convinced ( tricked ) me into consolidating my federal student loans into one massive private student loan with them. The loan was originated in XX/XX/XXXX  2008, and the original principal on my loan was {$55000.00}. It  has been more than 9 years, and I have made nearly {$40000.00} in payments, and yet I still owe {$54000.00} on my loan. I understand that there is interest involved in any loan product ; however, it is very clear to me that Navient engages in predatory lending practices. They have increased my interest rate routinely every year since 2008 ( now a whopping 8.25 % ). They make it nearly impossible to pay down principal and ensure I stay mired in this debt. 

I am on the verge of refinancing my loan with another lender, and I uncovered all of this information. It makes me absolutely sick to my stomach. There is no way a company like this should be allowed to take advantage of young adults and make enormous profits at the expense of young Americans ' livelihoods. There has to be something we can do to stop this from happening and bring justice to those affected by this horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: PA

Complaint narrative:
XXXX XXXX continues to report inaccrate information on my credit report with XXXX Experian and XXXX the credit bureaus fail to protect me as a consumer and do not follow the proper guidelines like XXXX XXXX reporting different open dates

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 2017-10-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
There is an account on my credit report that I have disputed twice with equifax, and equifax wont fix the problem. The account is with the company XXXX XXXX. There is an incorrect delinquency date on the account that was open on XX/XX/XXXX and closed on XX/XX/XXXX. The delinquency date says XX/XX/XXXX. I have contacted the corporate office of credit central and they told me that they have corrected the issue with the dispute that I sent with equifax. But equifax is still reporting the incorrect date in their system. I also have another account with XXXX XXXX XXXX XXXX that equifax is reporting incorrect. The account says included in bankruptcy. This account was not included in my bankruptcy. I have disputed this account several times thru equifax. XXXX XXXX XXXX XXXX responded back to CFPB saying equifax has to fix the problem, but every time I call equifax and explain it to them they tell me to dispute it with XXXX XXXX again for the fourth time. I am so tired of the run around with equifax and these companies. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my personal credit report, which I acquired from your Transunion on XX/XX/XXXX and I noticed several unauthorized inquiries had been made. I believe I was a victim of Transunion inquiry issue. Since I have contacted the Transunion and the companies who conducted these unauthorized inquires and asked them to remove these credit inquiries from my credit profile. I spoke with multiple Transunion costumer services specialists, and I was told there was nothing that could be done and their customer service would not help and take care of the negative inquiries reporting to my credit report.I request that you initiate an investigation into these unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX I via XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On :XX/XX/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 2017-10-03 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: TX

Complaint narrative:
I have had a credit card charge of {$120.00} on my credit report that is reported incorrectly. I have the court paperwork from XXXX XXXX, TX. courts proving this to be true. However, Experian is working with the credit card company to keep this on 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 2017-10-03 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:
i do n't know the actual dates of the reposition on my credit but im wanting to get that removed since ive never had a car of my own at the time it was established, i know that it was before i was XXXX and i found out about it after i tried to apply for a credit card, i got a letter saying i had a whole bunch of accounts and credit cards. my fathers stuff is on my account and i would want to get it removed since we have the same name and its effecting my credit.

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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have recognized hard inquiries on my credit card, which i did n't authorize. I did not give them my consent, it was not court ordered, or was not for insurance or employment purposes and it was n't a firm offer of credit. Hard inquiries by these companies on these dates was not authorized : *XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX  XX/XX/XXXX *XXXX XXXX XX/XX/XXXX*XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/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 2017-10-03 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
My ex husband was awarded my credit card debts in my divorce. Due to his negligence to pay the monthly fees, it has effected my credit report negatively and dropped my score significantly. He is the responsible individual for these, not me. He has not paid on these items since taking over the debts. I do not have the finances to cover these debts like he can do. I have tried to contact these companies and they have yet to remove me as the responsible party.

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 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XXXX XXXX 2017, XXXX XXXX XXXX withdrew funds out of my account without my permission. The account was set up for autopay, and my regular payments come out on the XXXX of every month. When I contacted XXXX XXXX XXXX around the XXXX of XXXX, they notified me that their is nothing they can do since the funds were taken out by a third party ( XXXX XXXX ). I asked XXXX XXXX XXXX what is the next course of action, and they told me that I would have to contact my bank and file a dispute. So I filed a dispute with my bank around the XXXX of XXXX as well. I currently bank with Regions Bank. Regions bank notified me that they will send me a form to sign and return to them. So a couple of days later, I went to the Regions branch and the bank representative printed out the paper and told me where to sign. I asked the bank representative was there anything else that I needed to do and she said no, all the information was completed. I decided to call the bank around the XXXX of XXXX and found out that the claim was denied. When I called the solutions team with Regions bank, they notified me that the claim was denied because some of the claim information ( that regions wrote on the form ) did n't get faxed correctly ( regions representative faxed by the way ), and that they are missing supporting documentation ( which the regions representative said was n't needed ). so now I am truly frustrated and had to go through the entire process again. So I resubmitted all the information with supporting documentation saying that the payment is n't suppose to be taken out until the XXXX. I waited 5 days and was told that the claim was still pending, but a decision should have been made since the solutions team only have 5 days. Then I called back after that and was informed by a male representative that the solutions team should of had a decision and that they are going to have to escalate it to management. So now I 'm assuming that they just do n't care about my business and that my claim is n't a priority. Then 2 days later after the male Regions representative submitted the information to the solutions management team, they denied the claim. After all of this and submitting my supporting documentation, I feel like Regions did not look out for my best interest and this issue created overdraft fees in my account which I had 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
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I was sent information regarding a cell phone bill with XXXX XXXX XXXX from XXXX, and I have not had phone service with the company since early XXXX. I have submitted proof to XXXX XXXX XXXX proving that my bill was paid before I terminated my contract as my new service provider XXXX would not have reimbursed me and paid my early termination fee without a XXXX balance. The account number that was recently given to me regarding this account does not even match the account number I had when I was an XXXX XXXX XXXX customer. 

I am not sure why XXXX XXXX XXXX is targeting me for a debt I do not owe and never owed. This false attempt to collect a debt from someone who does not owe one feels like harassment and has affected my credit. While I am disgusted with XXXX XXXX XXXX, I am equally disgusted with the creditor company, Sunrise Credit Services , Inc. for not doing their research and targeting me as well. 

As suggested by my attorney, I will be pursuing legal action for emotional distress against Sunrise Credit Services , Inc. and XXXX XXXX XXXX if this matter is not handled meaning removed from my credit and my name out of their systems immediately.

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 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Hello : I had this 1st mortgage loan when I purchased my condo back in XX/XX/XXXX. XX/XX/XXXX.  When the economy collapse same our property value and we lost our jobs. We tried in the past to have a loan modification, principal reduction submitted documentation and never an answer with Chase. 
We were lucky to come back and continue with our lives even thought our condo was n't value at the price we paid for. 
Now after 12 years I had another unfortunate even and I 'm dealing with XXXX. I lost my job because I need medical treatments and appointments. I 'm take medication to battle this XXXX. My family has been a tremendous support for this. Since they are helping to continue paying mortgage, property taxes, HOA and other general living expenses. I applied for a mortgage modification back in XX/XX/XXXX. I was asked to provide a series of documentation and proof of paperwork, which I did. Now after 10 months in the process the modification still in progress. Chase had changed more than 10 times relationship managers, they are procrastinating with my file, they do n't provide customer service, they are um professionals, no courtesy no respect to a great customer for Chase. I had never been defaulted, never missed a payment and here I 'm requesting modification based on my hardship. I had been asked for same documentation all over again. Even though documentation was already provided. they are a joke. These employees are just not serious enough. I have been discriminated by their employees because I 'm XXXX and they think I do n't understand the law or the financial regulations and process. But I will say that I have been documentation every conversation, documentation and so on so I have an strong case to proof all the aggravation I had received from Chase. At this time I want you to enforce and try to assist on with this case. We want Chase and the loan modification  department to give their final answer on our loan modification. All documentation has been faxed to Chase from their branches and I have copies of dates and times that when documentations were provided. So I do n't want for them every month ask me for documentation that they already have on file just because they keep changing relationship managers. 
I 'm ready to go to the President of the United States, Congress and the press in regard to the discrimination and predatory lending that Chase has put me. 
Any help is greatly appreciate it. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
After numerous disputes between XX/XX/XXXX and XX/XX/XXXXof an alleged missed auto loan payments dating from XX/XX/XXXX with Wells Fargo Dealer Services ( WFDS ), and recorded with XXXX, XXXX, and XXXX ( CRA 's ), I sent a series of letters to WFDS fromXX/XX/XXXX to XX/XX/XXXX demanding under 15 USC 1692e and FDCPA 807 ( 8 ) ( 9 ) ( 10 ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. WFDS and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against WFDS in XX/XX/XXXX to force it to  delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. WFDS subsequently lost this case on XX/XX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for WFDS in XXXX, NC, its Credit Bureau Dispute Resolution Unit, as well as each CRA onXX/XX/XXXX. XXXX has subsequently deleted the record. However, XXXX and XXXX have not. I received a response from the WFDS Credit Bureau Dispute Resolution Unit dated XX/XX/XXXX that stated, " The record was verified. ''  Both XXXX and XXXX claim the same statement in spite of receiving court documents requiring the record be deleted. WFDS has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX XXXX XXXX XXXX -- period!

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 monetary relief
Consumer complaint received 2017-10-03 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My ex husband was awarded the credit card debt in our divorce per the divorce decree MO case number XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the divorce, he has neglected to pay them, and it has dropped my credit score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: CITIBANK, N.A.
State: MO

Complaint narrative:
My ex husband was awarded the credit card debt in our divorce per the divorce decree MO case number XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the divorce, he has neglected to pay them, and it has dropped my credit score significantly.

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