vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent the following dispute to Equifax on XX/XX/XXXX. 

I requested my credit report and noticed that two accounts were not listed : XXXX and XXXX # XXXX, opened XX/XX/XXXX, Credit Limit of {$1700.00}, XXXX balance owed. 
XXXX 's # XXXX ( yes same account different company ) opened XX/XX/XXXX, Credit Limit {$150.00}, XXXX balance owed. 

I receive an email on XX/XX/XXXX indicating the dispute # XXXX was completed. I tried unsuccessfully to login in the dispute site via the link they sent. I eventually called and was connected to the dispute center. I was on hold for 1.5 hours before I decided to go online and chat. That person told me to call another number and there were problems with the dispute portal. I did speak with someone in the dispute center who indicated that he could not see a resolution to my dispute he could only see my comments. 

I indicated in the dispute that because the accounts were not listed, a true credit history was not being shown and I probably received higher interest rates for the credit I did receive. I would like the initial dispute looked into and corrected. I would also like someone to look at Equifax. All the lead no where numbers, all the phony information given to consumers, like the dispute completion I received. By the time this is handled 30 days will have gone be and I will need to submit the same dispute again. Why should consumer have to go through this to get something done. Consumer 's jobs, finances, etc., depends on this information being correct and when it is not, there should be an easier way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I am on my 3rd leasing contract with Honda Financial Services. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XXXX vehicle in which the vehicle was surrendered. I received a bill in XXXX in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ),  XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from Honda stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when Honda has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by Honda Financial Services to be investigated and be reversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There is a known issue with XXXX XXXX concerning three ( 3 ) hard inquiries on my credit report from XXXX XXXX XXXX through Synchrony Bank. I contacted Synchrony Bank, the associate that answered stated this is a known issue and that others have called in stating it has happened to them as well. The associate advised me to reach out to XXXX XXXX to dispute it, however, there is no contact number. These three ( 3 ) hard inquiries dropped my credit score by XXXX points. I did NOT apply for any airline credit cards. I need help with this please. On the app it states that one will drop off at the end of XXXX and the other will drop off in XXXX. I have been working on repairing my credit over the past four ( 4 ) years and it was rising steadily, till this happened. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-Atlantic Consumer Services
State: NC

Complaint narrative:
Mid Atlantic Consumer Services LLC XXXX, NY XXXX phone XXXX has repeatedly harassed me and my family regarding a bad check that I did not write. They will not stop calling me and I have repeatedly advised them to stop. They have threatened me repeatedly and I have filed a complaint with the XXXX XXXX XXXX as well.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-10 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: NY

Complaint narrative:
I have tried several times to request removal of a credit freeze to no avail. Submitted my information and have not heard from Experian. I provided my PIN number, provided by Experian and still have trouble removing the freeze. 

Have uploaded documents they requested to verify my identity and still have not heard from Experian. Tried calling as well, and have trouble trying to reach a live operator. The voice prompts are of no help. I provided the information and the response I get is that they are unable to verify. 

I had to place a credit freeze, because my information was hacked from their system, now that I need to apply for a student loan for my daughter it is impossible to lift the freeze. 

The other credit bureau 's, provided live operator and assisted in my request to lift the security freeze. 

Can your office compel, Experian to provide a live operator to assist consumers?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i did a credit report and found 2 accounts in my name ( chase card ) ( XXXX XXXX ) and immediately reported it for fraud i was told they would investigate it and get back to me this was in XX/XX/2018, i never heard back so i called again, during this process i discovered that my estranged brother XXXX XXXX admited it was him using the card in my name. so we both got on the phone in a conference call explaining the situation he accepted responsibilty for the fraud. chase told me they would do investigation and contact me back, in the conference call my brother XXXX XXXX took responsibilty of the charges so chase said they would contact me back, so 2.5 months go by i never here anything on the investigation i call back to find out the status chase told me they will re open the account and then send a transfer of liabilty form for both of us to sign this was on XX/XX/2018 2.5 weeks later i called to find out where the forms where to sign and nobody i spoke with knew what i was asking i was transferred around for over a hour speaking to several people and finally i spoke to a XXXX employee id # XXXX at chase he said the last person that told me they would allow transfer of liability was incorrect in her statement to me i asked for her info or employe id # XXXX told me he couldn't give out this info without a subpoena, so on XX/XX/XXXX XXXX again told me i had to contact another department called the lending department at XXXX i spoke to a receptionist and said i would have to leave a messge for someone to call me back within 24 hours as of today nobody has called me back XXXX-18. i have been constantly mis lead by chase time after time. i dont think they have people or staff that want to help or know how to help me, i am so frustrated they make statements but nobody follows up on them or does anything and now my credit rating is getting hurt because nobody can help with incorrect information. 

i have filed a complaint with XXXX XXXX and my local police department police department report number XXXX XXXX police dept XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX officer XXXX XXXX XXXX dispute # XXXX i want to file a complaint against chase not wanting to resolve or do anything affecting my account XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed the following Collection Account with TransUnion & XXXX - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: James E. Albertelli, P.A., a Florida professional association
State: GA

Complaint narrative:
XXXX XXXX is now falsely acting as Attorney-In-Fact for XXXX XXXX and has changed and or added documents to my original files at the county recorder in XXXX County Georgia. I have never hired XXXX XXXX for anything. I have never met anyone from XXXX XXXX. XXXX XXXX is trying to commit fraud on my behalf, and attempt to transfer my property to another party without my consent. The new party that XXXX XXXX says that they represent is now XXXX   XXXX XXXX, XXXX. These entities are asking me to transfer my property to XXXX XXXX XXXX, XXXX. I DO NOT HAVE ANY CONTRACT AGREEMENTS WITH XXXX XXXX XXXX, XXXX, ALSO I DO NOT HAVE ANY CONTRACTUAL AGREEMENTS WITH XXXX XXXX. I'm being harassed by XXXX XXXX now on the behalf of XXXX XXXX XXXX XXXX XXXX. By staying in honor, I've ask both entities to show proof where they've given XXXX XXXX , Estate or XXXX XXXX any value. They failed to respond to my Affidavits. Therefore, I assume they are attempting to fraudulently receive value from me and or my estate. I've sent cease and desist affidavits to both entities, who both failed to respond. Now XXXX XXXX is saying I lose by default and my property is in foreclosure, and I and requested to transfer my property to HUD, or XXXX XXXX XXXX, XXXX. Again, I have never taken a loan from XXXX XXXX XXXX , XXXX or XXXX XXXX. They have no right to contact me to defraud me. They have never given me value and they will never receive value from me. I'm requiring your office to demand these entities to cease and desist with their attempts to contact me, XXXX XXXX or my estate, XXXX XXXX, Estate about any debt. If they can show where I signed a contract with them, then I'm willing to settle any and all debts owed to them. They never respond when I ask, because it is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, i moved into an apartment community by the name of XXXX XXXX. During my stay the community switched management to XXXX XXXX XXXX. I Occupied the unit for exactly 12 months and gave proper notice to vacate. I signed my new lease in another city in XX/XX/XXXX. 

It was later reviled that the leasing company added a debt owed of XXXX. Stating that i did not leave my unit until XX/XX/XXXX. 

This balance is incorrect and inaccurate. i went to the community several times to see proof of their charges. They provided me with a ledger with all the wrong dates and information on it. The manager on duty was rude each time and gave me no help at all. She claims she has pictures, If she does it should have dates on it. The information from the ledger is not right. I need receipts of proof for this debt. 

I am asking for you to fully investigate this inaccuracy. Validate and delete the wrong information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
My loan with Mr.Cooper/Nationstar Mortgage is being foreclosed on. I have not received any statements on this mortgage since XX/XX/XXXX. I mailed a letter to Mr. Cooper on XXXX XXXX I notified them that the balance they has was correct and specifically which payments they were stating they have not received. I requested a current itemization of that account. I received a letter in the mail in XX/XX/XXXX notifying me that my payment amount increased in XXXX and I was never notified until that date that the payments were incorrect or a statement. They stated that in XX/XX/XXXX my payments increased from the XXXX to {$1000.00} and that in XX/XX/XXXX they payments would increase again to {$1100.00}. In the paperwork they sent a paper that said my mortgage had been transferred to them in XXXX. This paper noted that my Principal was {$160000.00}. My mortgage principal was {$140000.00} on the original note that closed on XXXX XXXX. My original P & I was {$930.00} & escrow was {$150.00}. I asked Mr. XXXX XXXX from loss mitigation with Mr. Cooper on XX/XX/XXXX and I asked him why my principal had went up. He stated it was because of escrow, which I could not understand because I thought that amount was not added to the principal. I also asked why I was not mailed statements and he said that the post office returned the mail they sent. Which I also thought was funny because I receive the loan modification information but never a statement. 
In XX/XX/XXXX I was four payments behind. I made two online payments on XXXX XXXX and I then mailed two checks to completely catch my payments up. These payments were sent back to me. This would have caught the payments up that I was behind. I contacted Mr.Cooper/Nationstar Mortgage to ask why they sent the payments back and he said it would not have cured the default because of the difference in the payment amount that started in XX/XX/XXXX that I was never notitifed of. The balance of that amount would have been {$980.00} due to the change in payments. I asked to pay the past due balance to Mr. XXXX which would have been up to XX/XX/XXXX {$7100.00} with the balance from the months that included the payment changed. He stated that I would have to pay lawyer fees now. The balance they had was incorrect. I spoke with XXXX with Mr. Cooper to get a reinstatement amount which was {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: UT

Complaint narrative:
I had a fraudulent purchase on my discover card at XXXX. I filed police reports and the police indicated that I was scammed through a known scam. I provided this information to discover card and informed them I was not paying the fraudulent charges. I provided a follow up letter when they refused to stop harassing me. I sent this letter asking them to stop contacting me by return receipt certified mail, return signature receipt, in XX/XX/2018. I received the return receipt showing they signed for the letter on XX/XX/2018. Discover card agents have called me repeatedly since that time. I mailed another letter to them telling them not to contact me. This was also sent by certified mail, signature required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient is reporting that my account is 90 past due. This is not true because my account is in deferment. The account was never 90 days past due. The account shows I still owe money. I do not owe money at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express advertised {$100.00} airline fee credit on qualifying airlines. It does not list the airlines that qualify. It says to see terms and conditions, but when one clicks there, it doesn't list them either. You have to click several times just to get a point where they say " call us to get the list of qualifying airlines. '' The airlines are not listed clearly and conspicuously and they make it difficult and require you to jump through hoops to find out about the airlines. 

I wanted to use the credit on an airline and they said it didn't qualify. They wouldn't send me a list that I could have accessed before I signed up for the card. I told them it wasn't clearly and conspicuously listed, but they said I could have called. They should list the airlines clearly and conspicuously on the site and not require so much friction to find out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed the following Collection Account with XXXX & Equifax - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: TN

Complaint narrative:
I have disputed the following Collection Account with XXXX & XXXX - I am in the process of disputing with Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements.

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection
State: NY

Complaint narrative:
I have file numerous compliant about this company trying to collect a debt that not owned to them or XXXX.I had cancel XXXX back in XX/XX/2012 the by fill out there form and submit by email and fax.I later received a letter from perfection collection claiming that they brought the debt from vivint and I now own them. I ask them to show proof that I own them the debt.They send me a bill from XXXX. I explain to perfection collection if you have a signor document showing that I agree to pay you for service I don't owe you anything.they then report it on my credit report.I have send numerous letter to the bureaus and perfection collection to have this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation