vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX XXXX  and Experian. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from XXXX   XXXX and Experian. They are in denial and I want this fraudulent inquiry removed. 

XXXXXXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXXXXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX Inquiry that I didn't authorize, I spoke with the manager XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 


I have a fraud alert on my account that states do not run credit or extend credit without contacting me personally, so I don't understand how these companies got away with doing this without my consent. I'm requesting removal of these fraudulent inquires and an updated credit report from all three Bureaus. 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 non-monetary relief
Consumer complaint received 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The credit bureau has placed a FRAUD ALERT, SECURITY FREEZE and/or EXTENDED SECURITY FREEZE/FRAUD ALERT on my credit file. I do not want a security freeze, fraud alert or extended fraud alert/security freeze 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 2018-06-30 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: TX

Complaint narrative:
I have been living in XXXX XXXX since XX/XX/XXXX. I renewed my lease on XX/XX/XXXX. That means this account is NOT new. But in my transunion credit report, it shows that I have opened 3 accounts in the last 2 years when I opened only 2 accounts. XXXX account was opened in XX/XX/XXXX and it renewed on XX/XX/XXXX. But it shows that I opened a new account with XXXX in XX/XX/XXXX when I only renewed it. That info shouldnt be there.

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 2018-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Premier Holdings
State: OH

Complaint narrative:
There were multiple issues with this company. To start they called me at work. You can say my place of employment is one that would be considered unusual or inconvenient by the FDCPA because we answer emergency medical calls on the line they called. When I picked up the phone they said they were a law office trying to keep me from going to court to put a lien on my car. They also said they mailed something to my address ( my correct address ) and it was returned. I'm not sure why this one piece of mail is returned but nothing else has ever had problems. The debt they are coming after me on is well over the statute of limitations in the state of Ohio, and when I asked what this was for all they could tell me is it was a mastercard. My credit report is clear of any derogatory marks. I have spent the last 3 years monitoring my credit closely and taking care of any old debt on it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My statement balance appeared as unpaid on XX/XX/XXXX, but it was paid. The bank ( Bank of America ) did not register payment until XX/XX/XXXX. The amount owed was {$310.00} and I paid {$360.00}.

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 2018-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: SC

Complaint narrative:
Sometime last year a collection account was placed on my consumer reports by this company called XXXX who claimed they were collecting on behalf of XXXX XXXX XXXX. I had no knowledge of owing any debt so I contacted the original creditor who in turn advised me to dispute the account with the credit bureaus. The account was removed. 

Now there is another collection agency trying to collect on the same alledge debt. I contacted the original creditor again and I was advised to dispute with the credit bureaus as well as file a complaint. I was also informed that they have been getting a lot of calls about this particular collection agency. The collection agency is Phoenix Financial Services. This company is using illegal tactics to try and collect on debts that they clearly do not own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: FL

Complaint narrative:
On XXXX XXXX my mortgage servicing company changed from XXXX XXXX to Selene Finance. My XXXX mortgage payment was drafted by XXXX XXXX on XXXX XXXX and is reflected on my Selene Finance Account as received on XXXX XXXX. On XXXX XXXX, Selene Finance withdrew {$2100.00} from my bank account without my authorization. My wife and I had not even signed up for automatic payments on the Selene Finance website. Also, during the transfer of mortgage servicing providers, Selene Finance did not receive documentation regarding my VA loan and sent a letter to me stating that I must have insurance for the full amount of the loan. They either did not receive the VA documents detailing what I am responsible for insuring or they disregarded them. Finally, the Selene Finance website states that my next mortgage payment is due on XXXX XXXX, which is incorrect as my mortgage has always been due on the XXXX of each month. By law, Selene Finance can not change anything with my mortgage agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
I have tried numerous times trying to contact this collection agency Commonwealth Financial. This company has placed 2 medical debts on my credit reports that do not belong to me. I previously disputed these same accounts and completed a fraud affidavit. The accounts were removed and now this collection agency has placed them back on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I completed a fraud affidavit a couple of years ago regarding a XXXX bill that did not belong to me. 
I received a copy of my credit report and this company Diversified Consultants has a collection on my reports from XXXX. I contacted XXXX and was informed dispute with the bureaus as well as a file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX and XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2018-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XX/XX/XXXX spoke wit XXXX @ Portfolio Recovery and was informed address on file is XXXX XXXX XXXX. I was also informed account opened XX/XX/XXXX. I have ask validation letter to XX/XX/XXXX spoke with XXXX and she have indicated there is no information on file to send out validation debt. XX/XX/XXXX spoke with XXXX @ XXXX and XXXX to request validation letter. XX/XX/XXXX spoke with XXXX. As of today I still have not received validation letter. On XX/XX/XXXX XXXX and XXXX  have deleted report due Portfolio Recovery not able to verify debt. I ask to assist with deleting account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
Filed a bankruptcy in 2016. Got an email to apply for a loan thru Lending Club, applied and got rejected due to my bankruptcy. Starting getting emails and phone call from Lending Club regarding late/no payments. Looked on my credit report to see that someone approved the loan for {$9600.00} and wired the money into and an account. I never got this money, and apparently someone did and had it deposited into a XXXX  XXXX XXXX account. I do not possess a XXXX XXXX XXXXXXXX account. Went to my local Police dept in XXXX XXXX XXXX, New Jersey and filed a report. Contacted my XXXX  credit to dispute, and they are rejecting my claim. The police report case # XXXX, the officer 's name was XXXX XXXX The phone number is XXXX. The experian case # XXXX. I had to filed bankruptcy and don't understand why someone would approve a loan for that huge amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX contact Experian to request validation debt and as of today I have not received documents. 
XX/XX/XXXX sent certified letter tracking # XXXX XXXXXXXX XXXX {$2900.00} requesting validation letter. As of today XX/XX/XXXX I have not received document.

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 2018-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was XXXX XXXX XXXX college XXXX in XXXX XXXX and I had a student loan previously with Sallie Mae and after become Navient.I am struggling with payment option because my income is low and they ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashia Services
State: NJ

Complaint narrative:
Back in XX/XX/XXXX, I requested a loan for {$200.00}. I made a payment plan that allowed me to pay one payment of XXXX and XXXX for the rest of the payment every two weeks. I should be done by now, but I just noticed that I am still paying as of XX/XX/XXXX on a weekly basis. On top of that they lied in an additional document that I received {$500.00} from them when I only received {$200.00}. I didn't realize sooner because I thought I was paying my student loans that I owe. Is there any way that I can get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I called the credit Bureaus to report unauthorized inquires on my credit file, and I was told to contact the companies directly it was nothing they could do on XXXX. I spoke with all the companies listed below and was told I had to contact the Bureaus for the unauthorized inquires on my credit file. These are fraudulent and need to be removed as soon as possible. The fraudulent accounts are listed below ... 

XXXX XXXX XXXX ran in inquires listed below : A total of 5 times on different days without authorization. 
XXXX XXXX XXXX : Inquiry dates : XXXX, XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX. 
XXXX XXXX : Inquiry dates : XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX XXXX XXXX XXXX ran the inquiries listed below without authorization, a total of 8 times. I went to the dealership XXXX and requested to speak with the manager XXXX and informed him I didn't authorize these inquires : XXXXXXXX XXXX   inquiry date : XXXX XXXX XXXX : XXXX XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX/XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX : inquiry date : XXXX These companies all been contacted individually by phone and I was told to contact the credit Bureaus after I explained to the companies that I had already spoken the each credit Bureaus and the Bureaus had to me contact each company because they couldn't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
On XXXX XXXX AMCOL SYSTEMS INC told me I owe {$45.00} than another rep told me I only owe {$10.00} of the account that was originally {$45.00}. So I paid the account in full and it was closed. 

On XX/XX/XXXX I called AMCOL SYSTEMS INC an was told I owe a total of {$180.00} on one account. On XX/XX/XXXX I called back an paid {$82.00} and stated a payment plan. The payment plan was {$20.00} that would equal {$100.00} and was to be bi-weekly tel paid in full. 

The out come was that all three account were closed and reported as closed to all credit bureau. 

On XX/XX/XXXX I requested a free credit report from all three bureau. I notice that AMCOL SYSTEMS INC reported all three accounts paid/closed to XXXX and than reported the incorrect information to XXXX. 

I have been trying to fix this problem withAMCOL SYSTEMS INC and to have the account corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
SLS continues to send people to my home with unsolicited information. I've asked them ( via email ), to STOP this behavior because of my illness, and it makes me extremely PARANOID when folks come to my home without an invitation. 

Complaint XXXX - was sent on this forum on XX/XX/2018 requesting that they be notified that Trespassing on my  property is considered unlawful and dangerous to all involved. At this time, I feel the FBI should be contacted, because I'm in fear for the Safety of my family and myself. 

They went to the neighbor 's house and told them that, I was late on my mortgage ; therefore, they were needing to take pictures from the neighbor 's yard. I'm not sure what can be done, but I owe SLS NOTHING!! and I can't help but feel that, this is not something a company should practice. Scare tactics never have a positive ending. I can't even open my Blinds, because I fell that someone is always outside my window. PLEASE HELP!!! SHOULD I REPORT THIS TO THE FBI?

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 2018-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I open this account approximately a year ago I was told when I opened it that my credit would be evaluated every six months and if I was worthy of a lower interest it would be lowered by Chase. After six months I contacted Chase to ask if my account was evaluated for a lower APR and I was told by a representative that because the Fed had raised the rates several times in the recent past they have not evaluated my account. I called Chase today ( XX/XX/18 ) and spoke with a supervisor and I asked him if my account has been evaluated since it is now been a year and it supposed to be evaluated every six months. I also asked him for which date it was evaluated and what decisions were made about my account. The supervisor named XXXX could provide no date that my account was reviewed nor could he give me any answers about why my rate is staying the same and not going down. I recently read an article From a case your agency just settled with XXXX XXXX and I believe that Chase is also violating the truth in lending act by failing to reevaluate and lower APRs therefore causing the consumer to pay higher rates. I would like someone to look into this please. I understand that a reevaluation of my account does not mean I automatically get a lower APR however my credit score ( high 700s low 800s depending on which credit bureau is viewed ) has went up considerably since I open this card and I have payed down debt. It would seem to me that I am worthy of a lower rate and Chase should have lowered it already on their own as they state they reevaluate account every six months but can not prove this. Essentially the supervisor told me that I just have to trust that he is telling me the account has reviewed every six months but he could not provide me with any dates or decisions made about my account based on the supposed evaluations. The lowest rate on this card when I spoke to the supervisor today is 17.49 % and the high is 29.74 %. I am currently at a 24.74 % rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I used the Coinbase app to invest in bitcoin, litecoin, and etherium XX/XX/2017 after some months of it sit I decided to withdraw the majority of it. I had {$5000.00} in bitcoin, {$100.00} in litecoin, and  {$120.00} in etherium. I withdrew {$4000.00} from bitcoin but after that my spending limit was at its ends. I then completed the ID verification which said it was going to increase my spending limit and although it may have, I then ran into the issue of not being able to indetify myself no matter how correct I was with my information it just always says Verification Failed I have dmd them on XXXX multiple times and emailed them and when I call an actual person never answers the phone its always a machine with the same problems and useless solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I came into an agreement with chase bank for a card i defaulted on making payments, I settled the account for less and in return they was going to delete my account of the credit bureau and put as settled. but they havent done so and i tried disputing it but they wont remove it .. I have a letter they sent me saying that they will honor the agreement

Company response to consumer: Closed with non-monetary relief