vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Automobile Insurance Claims that were originally filed in error by an inexperienced Claims Adjuster, then withdrawn are not being removed from my C.L.U.E Auto Report by XXXX and LexisNexis. I have attached letters from XXXX stating that the claims will not be filed and are withdrawn. Therefore the minor damages reported by me to XXXX are for " reporting purposes only ''. XXXX has and will not expend revenue in any means whatsoever on these particular claims that are now " closed ''. As you know, this erroneous reporting by the aforementioned companies can seriously affect my renewal and/ or renewal rates. Initially, I filed a dispute with XXXX and after ordering my XXXX XXXX Auto report for a second time found that only one or two of the attached claims were indeed removed. I filed a dispute with LexisNexisXXXX XXXX, waited three weeks and received the same report with no changes. Immediately I called XXXX and the person who generated the letters told me I needed to contact the Service Department. I called the XXXX Service Department over the XXXX XXXX XXXX weekend and she told me she had no way to access the letters and she transferred me to the Claims Department. The lady in the Claims Department instructed me to contact the person who generated the letters because she could do nothing for me. I called the person ( XXXX XXXX ), who generated the letters of Claim Withdrawal and she stated that she would inform the Underwriting Department at XXXX to remove the remaining three claims. I checked my XXXX XXXX Auto report this morning and nothing has been done about this issue. Also, LexisNexis has a bad policy of reporting 'Possible Related Claims '' ( PRC ), on most XXXX XXXX XXXX XXXX by geographically matching someone 's Surname to other claims. I am a XXXX person over XXXX with a XXXX child in another state. I have spent the last six weeks trying to get my report corrected. In that time period LexisNexis has reported other claims on my XXXX . Auto Report of people I do n't even know. There is a lot of other people 's personal information on these claims that show up on another 's report. As a prior victim of Identity Theft I believe this practice is dangerous for any consumer. When they engage in this misleading business tactic they never inform or ask the actual person affected if these people are related to, or on their policy. Please help me to resolve these issues. You have helped me in the past and the CFPB does great work. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
XXXX overcharged my account which has since been closed in the estimated amount of {$250.00}, so I called my bank to dispute the overages and they stopped the withdrawal. I closed my account confirming a zero balance with XXXX on or about XXXX. XXXX then came back and claimed I owed them {$110.00} which has escalated in owing $ XXXX to date and continues to show up on my credit report over and over after my disputes pulling down my scores. I can provide the names of each debt collector if necessary ; however, my main concern is to stop the initial false accusation of debt by XXXX. I tried and failed to resolve this problem with XXXX spent countless hours on hold and being hung up on only to call back and request to speak to supervisors and was transferred to a Texas customer service office vice a supervisor after holding an additional 30 minutes. XXXX has pulled this tactic with others with whom I have talked to as a way to extort monies when one closes an account with them. As someone who is working very hard to improve my credit I am outraged by corporate tactics to BULLY consumers into paying monies they do not owe and wish to exhaust every means possible to ensure they do not succeed in extorting me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Planet Home Lending sold my loan without proper notification to XXXX XXXX. This is now the third mortgage company in less than a year. It is completely unethical and unreasonable for a mortgage company to sell my loan WITHOUT notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
The company sent me an email indicating they are closing my account onXX/XX/XXXX based on information reported by XXXX. I called the discover and told them that it 's inaccurate and I have proof to prove it and that XXXX stated they have 30 days to remove it. I asked Discover how can they close my account with inaccurate information and the representative by the name of XXXX stated they can because this information is showing now. I asked if I can provide the verification showing it 's accurate she stated no ; once it 's closed its closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
[ 1 ] Good morning - I made a total of 3 calls to Equifax to ask questions about the factors they are reporting are adversely affecting my credit. They have 3 factors that are of the same type : proportion of balance to credit limit too high/amount owed on revolving account too high/loan balances too high. <P/>[ 2 ] I am in the pre-qualification/pre-approval process of buying a home. Lenders pulled my credit, and I got the " Notice to Home Loan Applicant '' that states that if I have questions about my credit score or credit information to contact the credit reporting agencies at the number provided. <P/>[ 3 ] The first problem is that the number given does not give you an option to talk to anyone. It is a number to get the report. If you do n't request one, it hangs up on you. I Googled for another number, XXXX, called it before XXXX XXXX but the auto response said to call between XXXX and XXXX ( no time zone info given ). I called at XXXX XXXX and got the same automated outgoing message. <P/>[ 4 ] I was able to find a 3rd number, XXXX and eventually found someone to talk to. I talked to XXXX who gave me examples of when an account is too high that were obvious. If the credit limit is {$1700.00} and I am using {$1600.00}, that is too high. He could not give me specific answer. Is it 50 %? 55 % 5? When do you know it is too high that you report it as too high? <P/>[ 5 ] I asked to speak to his supervisor. I spoke to XXXX, who also gave me obvious examples ( like with my XXXX XXXX account with a {$360.00} balance with a credit limit of {$2500.00} ). When I specifically requested to know what does Equifax consider too high to report it as too high, she repeatedly said Equifax does n't have the criteria to answer that question. She asked me if I wanted XXXX 's phone number, and I said yes. <P/>[ 6 ] The XXXX number she gave me also does n't give me an option to talk to anyone, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: AR

Complaint narrative:
In reviewing all three of my credit reports, I noted that a tax lien that contained erroneous information was on all three reports ( XXXX, XXXX, Equifax ). I wrote to all three agencies, and XXXX and XXXX immediately the erroneous information from my consumer report. <P/>However, Equifax " verified '' the erroneous information as correct. However, Equifax did not abide by the FCRA by going to the source of the alleged erroneous information, instead they went to their business partner, XXXX. <P/>In other words, Equifax simply used its own records to verify the erroneous information. <P/>See, XXXX XXXX XXXX XXXX As there is no dispute Equifax and XXXX are in a partnership, as they released the above press release. <P/>In an effort to resolve this prior to the FCRA complaint I will be filing, I sent another letter to Equifax asking them to please abide by the FCRA and complete a " reasonable investigation '' This letter was completely ignored. I even asked Equifax to run my name, XXXX XXXX through XXXX, to show I was serious and was still ignored. <P/>I have retained XXXX XXXX XXXX and they are preparing the FCRA complaint. As the FCRA allows for punitive damages for a willful violation, I am filing this Complaint, which I expect Equifax to ignore. <P/>I under the CFPB can not represent me, but a punitive damages award against Equifax will help all consumers, because if Equifax will violate the rights of a consumer that clearly will litigate, there is no telling how they are treating less informed consumers. <P/>Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened a Comenity Bank credit card account through strong promotion of a XXXX XXXX agent. It has the name of " XXXX XXXX XXXX XXXX XXXX ''. XXXX charged the card for a XXXX membership fee without my preauthorization when I was traveling overseas between XX/XX/XXXX-XX/XX/XXXX. I did not realize XXXX XXXX had made this unauthorized charge until I received a phone call from a bank agent because they did not receive payment for the charge I was not aware of. I contacted XXXX according to the instruction of the bank agent. XXXX agreed to refund the membership fee they illegitamently charged ( reference number XXXX ). I closed the Comenity Bank credit card account immediately after I talked the the first bank agent because I did not want any more unauthorized charges nor related late fees. However, the late fees from the bank kept on accumulating even after XXXX refunded the membership fee and the credit card closed. What was more troublesome was that the bank would not stop making harrassing phone calls. The callers never seemed to understand the matter they were calling about and were not interested in listening to my explanation. <P/><P/>1

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Step 1 : What is this complaint about?
1 ) Failure to communicate 2 ) Failure to provide monthly statements 3 ) Only Option provided, Deed in Lieu of Foreclosure Step 2 : What type of problem are you having?
Understanding why Account Audits are declined Understanding why there are so many different pay-off amounts Understanding why Wells Fargos ultimate goal is to create homeless veterans Step 3 : What happened?
Filed Ch XXXX to strip 150K Equity Line that Wells Fargo deposited into my account without consent. During the Plan Well Fargo petitioned to have pre-petition arrears paid. I agreed because I wanted to do the right thing and whatever I could to keep my home. It was at this point my Bankruptcy Payment tripled, I was no longer receiving statements nor would Wells Fargo answer any questions, only to 1 ) Refer me to their attorney in Alabama [ I think ] and I advised my attorney, 2 ) I 'm no longer eligible for a monthly statement due to bankruptcy.
<P/>
It was at this point [ XXXX 2016 ] that I discovered that Wells Fargo would only send statements to my attorney and he didnt know they refused to speak to me or send me statements. It took several months to convince Wells Fargo that I should be received a statement. Only after we decided to go back to court, that I personally started receiving statements. This was when I discovered that I had accumulated are large arrears.
<P/>
Step 4 : What company is this complaint about?
Wells Fargo Home Loans Step 5 : Who are the people involved?
My Representatives that are trying their best to help me keep my home XXXX XXXX, Bankruptcy Attorney XXXX XXXX, Mortgage Professional [ 40+ yrs exp ] XXXX XXXX , Real Estate Professional [ My advisor for 20+ yrs ] Wells Fargo many & various, currently XXXX XXXX XXXX ext XXXX. Normally hang up after 15 rings but when I can leave repeated messages they have proven futile.

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 2017-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient. I have been trying to get my co signer off my loan. Its been over 10 years since I graduated from school. I should n't need a co signer at age XXXX. They keep giving me different reason not to release my co signer. First time it was i did n't make enough, which was false. I sent in pay check stubs to prove it. Then i sent it in again and this time they came back that me credit report from XXXX says that I have ( serious delinquency, public record, collections on file, time since derogatory public record, collection to short ). Only thing I had was a credit card with XXXX XXXX with some late payments years ago and is one of the reasons. Navient give me XXXX number to call them if I did n't think this was correct and to tell them. Well I called them and they did n't see any of this. My credit is great. I have put in another complaint with Navient and they are supposed to call me. They did n't call me on the first complaint I put in on this. hope they do and the second. I feel they are holding me back with false info to keep my co signer on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I have tried multiple times to get an answer from Receivable Performance Management ( RPM ) in which I believe this debt is not owed as I have never applied for a Card Credit credit card. I 've repeatedly asked for verifiable proof of debt obligation by them providing me the original signed instrument of indebtedness. They have not provided anything to me to verify this debt as of  XXXX .   XXXX  It has damaged my credit report and decreased my chances of obtaining a favorable mortgage rate.

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 2017-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Chaplain Financial Services LLC
State: AR

Complaint narrative:
Was contacted by XXXX XXXX with Chaplain Financial Services who stated that I owed xxx amount of dollars and if I did not set up a payment arrangement or take a settlement offer of a lower amount then they would press charges against me. They also stated if I took the settlement offer then they would need to get my debit card information. The company is based in XXXX, GA but they use an international switchboard so that whatever state you live in is the phone number it will appear to be from. I found this out by calling the XXXX office and questioning why the number appeared to be from my state of residence, needless to say I was rudely hung up on. I had my mom send them an email requesting them not to contact me any further unless they can provide all original documentation of said matter. Also when I asked them to fax me documentation, they responded by saying their fax machine was down but they could email me the information. The only thing XXXX XXXX emailed me was a letter stating that I had paid the debt in full with a settlement agreement and that the matter was considered closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a business account over a year ago and later realized the account was not the type I needed for my business, so I withdrew the funds and transferred them to another bank. I have not used the account since that time and assumed there would be no further issues related to it. In the past few weeks I 've been receiving emails telling me the account is overdrawn. Here 's an example " We 're writing to let you know that there are insufficient funds to complete recent activity for your deposit account ending in XXXX. '' I see no reason for this kind of thing and stopped at the branch yesterday where a drive-up window agent told me someone would call me this morning to discuss the matter. It never happened. More of the same nonsense!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Finan I Inquiry fromXX/XX/XXXX Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. 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 2017-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I had a installment loan with Sheffield Financial and I paid it off in XX/XX/XXXX I have been waiting for a title, and was told many times by Sheffield that the title was sent to the bank that sent them the check to pay it off, now Sheffield can not find the title and it still shows at XX/XX/XXXX credit that I still owe XXXX and have not made a payment since XX/XX/XXXX but Sheffield states I have made all my payments and the loan is closed and they sent the title in error to XXXX bank. now I cant do anything but wait and here it is XX/XX/XXXX and I still cant sell the vehicle since I have no title.

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 2017-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
Debt Collection Company Augusta Collection, XXXX XXXX ( SP? ) Owner. XXXX For several months we have been receiving automated calls to our home phone. Attempts to press 9 to talk to an agent have resulted in being disconnected or being sent to voicemail. Any response to the automated calls result in immediate call backs from the automated system that disconnect when answered. I have blocked several phone numbers from this company but they seem to be able to circumvent this and manage to get through, I assume they have multiple numbers. All this calls have been for my Mother-in-Law who has never lived here and has been in a XXXX XXXX for several years due to XXXX XXXX XXXX XXXX XXXX. My wife has a POA for her which I assume is how they got our number. We are on the do not call list. Today after receiving another automated call with no response I redialed the number and for the first time a person answered the phone. She immediately started demanding information and I told her until she identified the company and herself I was not going to give her any information. She said she was the owner of the company and asked if XXXX lived here and I said no but she was my mother-in-law and what debt did this concern. Again she started demanding the address and phone number wheremy mother-in-law lived and when I told her until she explained what this was about I was not giving any more information. When I started to tell her I did not appreciate the harassment she hung-up without saying anything. In my assessment Augusta Collections is a third party debt collector using technology and intimidation to get money from frightened or confused individuals. Harassment is their business model with the hope of recouping a marginal percentage of purchased debts. They have no concern or interest in the individual or situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX I leased XXXX XXXX and in XX/XX/XXXX, I returned this car. I leased XXXX XXXX XXXX from XXXX XXXX XXXX. Before I leased this car, they run my credit history and never missed any payment and have an excellent credit history. 10 days ago I received call from the company All Trans Financial, Phone number XXXX. XXXX XXXX threatened me that they I owed money. I explained him, that I can not get new car from the same company if I owed money. Every month money goes directly to XXXX XXXX  from my checking account. XXXX not only threaten me also told me that Trump can deport you. He called me many times to my house and my cell phone. I did not owe a single penny to XXXX XXXX. You can check my credit history that my XXXX account closed and never make any late payment. Please stop them to play with my credit history. I explained XXXX that why XXXX company never called me and they gave my new car if I owed any money. Please help me. I XXXX XXXX in University and never owed any money.

Company response to consumer: Closed with explanation