vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On  XXXX   XXXX  ,2017 I sub mitted a dispute to all three CRAs. I have received the results from  XXXX  and  XXXX , but not Experian. However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against  XXXX    XXXX   XXXX   XXXX    in Court. Ea ch report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date.  XXXX  providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt.  XXXX    XXXX   has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these, und er Section 611 ( 5 ) ( A ) of the FCRA- they  are required to '' ... ..promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
We have several lines of credit wit h US Bank. L ast fall our private banke r (   XXXX   XXXX   ) r eached out to us and said she needed to renew our line of credit. We had never received a letter, email, or phone call prior to this. We had communication through email over the nex t 6 wee ks where she was trying to earn more of our business loans that we use other banks for. We got her our taxes and got the line of credit renewed. Right around the same time we got the line of credit renewed we received a letter stating tha t US Ba nk had hit our credit for late payments. Not once during our communication, where she is trying to earn more business, did she say anything about the line of credit being past due or anything. ( I have all of the email correspondence ) I contacted  XXXX  and she stated that it was their mistake and she would get it taken care of. She tried two times to have their credit department fix it but they said they are unable to.     By the way this line of credit was on auto payment which they shut off. Once again without notifying us. I run several businesses and have lots of notes and mortgages because of this. If I cant rely on a bank notifying me that a payment is due, loan is expiring and so on I will be in for a world of hurt because I do n't know how I would keep track of all of them.

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 2017-04-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I am being billed for a bogus ambulance trip or service that I never had. It is from an ambulance company called  XXXX   XXXX , which gave a service date of  XX/XX/2016    on a statement I received from them dated  XX/XX/2016   , to which I replied on  XX/XX/2016    telling them it was an error and to stop billing me. They just ignored my letter and billed me again. Recently, I got a statement from a collection agency called Grant Mercantile Agency attempting to collect on this debt and threatening to report the debt to the credit bureaus. I have never used an ambulance and this billing is a mistake or an attempt to harass/intimidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Direct Recovery Services, LLC
State: MT

Complaint narrative:
I have received multiple phone calls from someone who calls himself "  XXXX   XXXX  '' with " Direct Recovery Services '' at my place of work after  XXXX   XXXX  has been informed that I am not able to take collection calls while at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient will not let you get the forms you need to apply for income based repayment until after your account is past due. Additionally when you call their phone number for help and ask for customer service the automated system keeps hanging up on you if you ask for customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mnet Financial Inc
State: TX

Complaint narrative:
I had a verbal agreement with  XXXX   XXXX   XXXX  center prior to my  XXXX   XX/XX/2015   . The agreement was that I put {$1000.00} down and was able to pay out the remaining balance with {$200.00} a month payments. After my  XXXX , they tried collecting more money from my insurance company for several months. When they finally sent me my bill, they were demanding full payment. I called and spoke with the billing department and reiterated our previous payment agreement and was told that they could only accept either full payment or {$500.00} a month. After I told them that I could n't pay that amount, they immediately sent it to a collections comapny..

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 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A circuit court public record #  XXXX  popped up on my Equifax credit report TODAY  XXXX   XXXX ,  XXXX . The account shows a report date of  XXXX   XXXX . I have received several credit reports directly from Equifax in  XXXX  and this erroneous public record has NEVER been on any of them. I have no knowledge of this public record and Equifax is reporting this negative account a year later. Equifax has a section designated for public records, and this public records did not report as of  XXXX   XXXX . We are in the year of  XXXX , I have no knowledge of this year old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
One of my creditors,  XXXX   XXXX   XXXX , has submitted  XXXX  requests between  XXXX   XXXX ,   XXXX   and the present date to the  XXXX  major Credit Reporting Agencies to have the negative information on my account ending in  XXXX  removed from my credit report.  XXXX  and  XXXX  adjusted the account as requested, where Experian has not. Aside from the  XXXX  requests submitted by  XXXX   XXXX  to Experian to have this adjustment made, I 've also personally sent  7 of these 10 lett ers received from  XXXX   XXXX  to Experian along with my driver license, social security ID, birth certificate and utility bill. Along with my proof of identity and the copies of the letters, I wrote a letter asking for Experian to please make the adjustment that has been requested so many times over the last 6 months. I sent this letter in late  XXXX , another on  XXXX   XXXX  and another on  XXXX   XXXX . The response that I received from experience was that they unfortunately can not honor my request and modify the account. I 'm not understanding how this issue is still outstanding with Experian at this point and it 's hindering my ability to apply for the mortgage that my family and I desperately need. I will attach copies of as many of the letters from  XXXX   XXXX  as possible to this complaint to support my case. All I need is for Experian to make the adjustment that the creditor has requested and I will consider this issue resolved and 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 non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Recovery One, LLC
State: CA

Complaint narrative:
Collection agent said that I wrote a check to  XXXX   XXXX  from a   XXXX    XXXX   XXXX  account that I do not have. He would not give me any information, contradicted information that he would give me, said the drivers license obtained in conjunction with the check was not me. I am afraid this is fraud on the collection agent 's part. He was rude, demeaning, and abusive. In fact, he acted like he was a child, whining and making fun of m e. Recovery One,   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My loan was in deferment while in graduate school. When I spoke with a Navient representative they told me my new amount with an IDR payment plan when I reapplied would be about {$400.00}. I received an email saying my new amount due is {$560.00}. I received no paperwork/documents on what payment plan I was on and how this amount was calculated. I still have not received any of this information.   On  XXXX   XXXX  at  XXXX    XXXX   MST, I called Navient and spoke with a customer service representative and I asked her which payment plan I had been placed on and why my payment was so high . ( This is more than my Mortgage ) Sh e told me to hold. She came back and said that she did not know how the amount was calculated and that when she ran the numbers the amount should be {$300.00}. She said she would put in a request to have the amount recalculated. I still have no information about the payment plan I have been placed on and they could not provide information to me this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: U.S. BANCORP
State: CA

Complaint narrative:
After I refinanced my ho me US Bank sent 2 escrow ove rage checks. I deposited both checks, waited for the checks to post to my account then used the extra money to make a payment to my credit card. After the payment cleared I learned  that 1 of the checks was returned unpaid. I learned from my bank that a stop payment had been issued on one of the checks. After several phones calls to US Bank I was told that they, US Bank had made a mistake on the closing and that the payo ff would have been short which is why they stopped payme nt on one of the cheks. I was also told that a representative of US  Bank had contacted me on  XXXX   XXXX ,   XXXX   the same day the stop payment was issued to explain that i should not cash the {$1400.00} check becuase it would short the pay off. That conversation never happened and the check was mailed on  XXXX   XXXX ,   XXXX  . My records prove that call never happened and I had no way of knowing that the check was no good until it bounced. I have se nt 2 demand letters via certified mail along with phone records that prove they never called but the repose was the same. " We apologi ze for the inconvience '' but they refuse to take responsiblity for the damages except for the nsf fee of {$10.00}. Because they made NO attempt to contact me verbally or in writing, mailed the check even after they stopped payment on it resulted in dilberate and intentianal fraud. This " mistake '' was more than an inconvienece it cost me over {$2800.00} and all my savings to cover the overdraft. All they had to do was notify me and this would have never happened. They took every precaution to protect themse lves and not one attempt  to protect my interest.

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 2017-04-20 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Up until  XXXX   XXXX , I was paying down a balance on my AmEx card, plus paying the interest and my current charges. The month after, I noticed my balance going higher and higher. My interest rate also doubled and I am told it is because I am only paying a portion of my charges. This is untrue. Customer service refuses to help, and is even rude. I 've had my card since  XXXX  and never missed a payment. This happened 6 years ago and I thought it was straightened out. Now I really do believe they have 'creative and illegal bookkeeping practices.   Please look into this.   Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Th e National Credit System cl aims that I owe debt. I do bot get the news from them but from my friend. They harassed my friend, telling him that I owe a debt and I did not pay for it. This really embarrassed me. I never owe a debt and do not pay for it. I called them and argue with them. I asked them to verify the debt first. However, I 've never heard them since them. Several months later, they just reported to the credit bureaus. I really can not believe it. First of all, they contacted and harassed my friend before they told me about the debt, which definitely break the law. What 's more, it is not right to report the debt to credit bureau before notifying me, especially when I asked them to verify it. I do not recognized the debt at all. I think they did it completely wrong. As an individual, I will stand up for myself and never pay a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY

Complaint narrative:
Debt is not mine in the sence that I am a medicaid recipient and due to their lack of filing the claim incorrectly, or so I have been told by medicaid, the bill was not paid. Medicaid also informed me that it is illegal to bill a medicaid directly for a medical bill. I have done my best to first try to get the bill paid, then try to work with these people to get the issue resolved. They will not return my calls and the one time I finally spoke with them to get their fax number, which they were very relucunt to give me, they continued insisting that I was liable for the bill. Your assistance with this matter would be greatly appreciated. The Debt collecter has bween nothing but helpful, my issue is not with them. It is with the original holder of the debt. I do not wish to file a complaint againt the debt collecter, only the original debt holder. I did n't reaqlize I needed to clarify that until later in the process. I apologize. Thanks again for your assiatance.

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 2017-04-18 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a call from a " process server '' claiming they need to serve me because I was being sued. They also called my place of employment ( actually my boss ' cell phone ). I called back &amp; they stated that I was being sued by credit card company  from 2002. Ther e is n't anything on my credit regarding any kind of collections. This week, they have again called me &amp; also my mother &amp; sister 's cell phones. The company claims to be  XXXX   XXXX   XXXX , which was stated on an email I received. They answer the phone " law office '', so that 's the first sign that this is a bogus company trying to scam people out of money by threatening a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This is a complaint agains t Wells Fargo Mo rtgage. We applied for a mortgage modification in  XXXX  or  XXXX ,  2016 t o reduce our payments. The file was complete sometime in  XXXX  and the modification was approved according to a phone call in  XXXX ,  2016.  I repeatedly inquired by email where the documents were for us to sign, which would have included the exact payment amount, etc. They did not arrive as anticipated. Subsequently they disallowed the modification because I " had not agreed to it. '' They had mailed all of the paperwork to the wrong address, which the post office forwarded, but too late to initiate the modification. I was told, and I quote : " take it up with th e Post Office, it  's their fault. '' They had me apply again, never telling me that the HAMP program had terminated on  XXXX   XXXX ,  2016, a nd then used the excuse that I had too many modifications, counting the one they disallowed, and then telling me that the HAMP program was no longer in effect. They are now threatening foreclosure because of their  XXXX , not mine. I did everything in my power with emails and phone calls to initiate the original approved modification and they NEVER answered, except with a threat of foreclosure. To me that 's fraud.

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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I 've submitted several certified letters to all  XXXX  credit Bureaus about inquiries that I was unaware of listed on my Credit Report as of today I still have n't gotten a response. This situation is affecting my process of purchasing a home. Please instruct me on what I should do next. I 'm looking forward to hearing from you soon.

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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I disputed inquiries that were not made by me, however I have not heard back from them. Each item marked in red is in fact an inquiry I allow. All others are not.

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 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: VA

Complaint narrative:
XXXX  sent me to a debt collector, however I communicated w/  XXXX  multiple times and confirmed, both verbally and in writing, that the equipment was returned and I do not owe any debt. I had never been notified that I was sent to a debt collector until I looked at my credit which showed that my credit was dinged, o n 3 se parate occasions, for this equipment not being returned. It took me, on my own accord and time, to find this and reach out to the debt collector directly in order to dispute this issue.  XXXX  clearly has not handled their documentation correctly and as  a Compliance Officer thi s is a clear regulatory violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello, we received and auto loan from Ban k of America  in  XXXX   XXXX . Payments for first 3 months were done by auto phone. In  XXXX   XXXX , I set up recurring Auto Pay through Online B O A. Recently, we found out through looking at our credit report that Bank  of America r eported us late for  XXXX   XXXX  auto payment. In early  XXXX   XXXX , I received a check made out to " Ban k of America Auto Loan ''  for the payment amount. At that time, I called the phone number on the check. I was then told that it was not a check but a receipt for the  XXXX   XXXX  auto payment. This was not true -- it was live check which I then threw away. This incident created a big credit problem. At this point I thought the payment was made, but it was not. This created a drop in our  credit score  of  XXXX  points. I can prove that the money came out of our Bank  of America c hecking account for the auto Loan, however it was never applied to the loan account.   I have spoken to many people at Ban k of America a nd asked them to reverse the  XXXX   XXXX  late payment. I am getting the run around. No one will take responsibility. I have been to told to dispute at the credit agencies, which I have, and wait for the process/investigation to complete. I am not satisfied with this response. We have been their customer for 25 years. I would like for the CFPB to investigate to help resolve this issue for us.

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