vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Spoke with XXXX XXXX from Barclay XX/XX/XXXX Barclay Bank Delaware allowed a fraudulent account to be opened on or about XX/XX/XXXX, I notified the Fraud department for Barclay Bank Delaware that the account was fraudulent and that any and all charges that were on the account was fraudulent and I wanted to dispute them. A investigative representative for the Bank contacted me stating that the investigation was concluded and that the account was opened by a family member most likely, so they would not consider it as fraud and that they would not provide me a signed contract or agreement as there was none, he stated that the account was opened online. I disputed the items via the credit bureaus as well and Barclay Bank Delaware provide false account information. Barclay Bank has utilized fraudulently obtained information in opening this illegal account and knowingly allowed it to be opened by suspicious mean, lax security measures and failed to protect my consumer information and provide adequate security, protection and resolution measures in alignment with the FCRA. They have continued to report on my credit report an account that they themselves admitted that they found to not be mine. Stating, " Tho the account is n't yours we reasonable believe it is someone in your house hold therefore you are responsible '' Monday will work on it, will call back no later the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.. 

Followed Up to Calls Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX. Spoke with XXXX in fraud, she said she would reach out to XXXX XXXX or someone in upper management to see if they could sort this out. I was transferred to a Supervisor other than XXXX who stated that he was out of the office for the week, however that she reviewed the account and that the account would not be removed and that I would be held accountable for the account. I asked for a copy of the signed application and signed agreement, she stated there was non and that they did not utilized signed agreements that they just verify information and if it matches up they approve the account. At the time the identity theft occurred I had a fraud statement on the account as well however they were still able to open this fraudulent account.

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 2017-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Our complaint is against CitiMortgage and their legal representation the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, OH. XXXX. 
InXX/XX/XXXXwe started a mediation process with the legal firm trying to say our home from foreclosure. Without success. 
In XX/XX/XXXX we were served papers telling us to leave the home that it was going to be sold at sheriffs sale. 
We vacated the home found a property that moved into under a land contract agreement with the understanding that after three years we would be able to purchase property as is the required amount of time to wait after a foreclosure. we also put a down payment of {$14000.00} over a 3 year period as well at {$1300.00} per month rent. 
We waited our 3 years out and applied for a loan to find out the Citi had taken our foreclosure off the sheriffs sale website, because they had listed the previous owners of our old property as party of interest. 
Correct me if I am wrong but once we purchase the home in XXXX the previous owners gave up all rights to the home. As we had purchased a mortgage. 
The attorneys representing Citi had listed previous owners as parties of interest in our property and had found out that in XXXX XXXX the grand-daughter of the previous owner had filed chapter XXXX therefor ordering a withdraw of sale. 
Citi set on the property from XXXX XXXX till XXXX XXXX with not movement. They eventually released property for auction at which time title was transferred to new owners XXXX XXXX. Leaving us in position of waiting another year to be a able to purchase another home under FHA guidelines. 
We are now out of contract with our current home and the seller has increased the sale price and we our out the {$14000.00} because we failed to obtain financing, because of that three year wait period. 
I have compiled all documents pertaining to our foreclosure and how from the very beginning of the mediation process to the final sale to new owner Citi and their counsel have miss handled this case, simply by including previous owners in the process. 
I have spoke to legal counsel, XXXX county recorders office, chapter XXXX  office, XXXX county common pleas court, numerous FHA lenders, FHA ( to find out if they had a cavious report, which they have no record of ), representative of the law firm that represented Citi, ( which the response I received from the was, " we do n't have to give you free legal advise '' ), and proceed to hang up on me, XXXX XXXX XXXX that handled the close of our home back in XXXX and their in house legal counsel. Everyone I have spoke with has stated that this is a colossal mess and all stems back from Citi including the previous owners in OUR foreclosure. 
I would like action against Citi and their legal counsel.

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 2017-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: UT

Complaint narrative:
Diversified Consultant is recently reporting a collection on my credit report for XXXX and it is not mine. I currently have XXXX! When I call XXXX  they say I do n't owe any extra. When I call the collection company they say there is no balance! I never got a notice from them, only them reporting to my credit one day. How can they just report to my credit for something I do n't owe! Then they do n't do anything to help you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mar Joe Enterprises
State: VA

Complaint narrative:
Apparently back in 2012, I visited the doctor ( I was still under my parents insurance plan ), and my insurance supposedly did n't cover any of the expenses. I had no knowledge of the debt being owed until I began applying for loans, credit cards, auto financing, etc. So once I found out about the debt, I called the collection agency it was with and asked for a copy of a detailed bill ( which they were never able to provide ). The debt was then transferred to a different collections agency who attempted to call me everyday at XXXX XXXX while I was attending XXXX XXXX XXXX. I was finally fed up with the collection efforts ( since no one could explain the debt and why the insurance did not pay it ), and disputed the charges through XXXX who found my claims to be accurate and removed the derogatory account from my credit report. Now, the other agences ( XXXX, XXXX ) will not remove the item as they say it is accurate. I do not undersatnd 1. Why my insurance did n't cover this debt ( my Dad had state benefits because he was a Conservation Officer at the time so he had really good insurance ) 2. Why this debt is still showing up on my credit report though it was removed by XXXX but is still reported by the others and 3. Why no one can provide me with a detailed bill. It has been 5 years of putting up with this nonsense and I refuse to allow this to impact my ability for financial success and one day owning a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
XXXX XXXX is reporting a charge off on our credit when we returned the car at the end of our lease. We had the car new from the dealership and it had transmission problems. When we turned it in at the end they tried to charge us for those problems which they were to cover during the lease and the warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX, I found seven accounts reporting inaccurate information on my credit report. On XXXX XXXX, I wrote and mailed a letter to Equifax, XXXX, and XXXX XXXX ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I submitted a dispute via certified mail challenging a bankruptcy on my Transunion report, I was sent results on or aboutXX/XX/XXXX stating the information was verified. On XX/XX/XXXX @ XXXX Transunion signed for a second dispute letter that I sent requesting them to verify how they retrieved that information verifying the bankruptcy. I requested them send me validation of who they spoke with at XXXX Bankruptcy court, time, date of how they verified this information. To date I have not received any findings from this dispute and they had 15 days to respond to my letter. Since they did not meet the time requirements they need to delete this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX, I found seven accounts reporting inaccurate information on my credit report. On XXXX XXXX, I wrote and mailed a letter to XXXX, XXXX and Trans Union ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any 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 2017-09-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I found seven accounts reporting inaccurate information on my credit report. On XX/XX/XXXX, I wrote and mailed a letter to XXXX, Experian, and XXXX XXXX ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any 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 2017-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Ballybunion Enterprises, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX, sued me out of state, and I had 2 judgments filed against me. I had to pay 4 times the amount for what I owed them. I did n't even know I was being sued by them until I was it with a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
On XX/XX/XXXX l contacted lender by my cell phone number XXXX Lender at around XXXX Texas time to make a payment of {$1200.00} principal and interest.as what l can afford. 
Lender refuses to accept the payment and escalated the process to foreclose my home, because of my filed complaints with Federal Government since XX/XX/XXXX and present because of lender VA Loan frauds. 
By foreclosing my home, it would benefit lender so they dont have to hear from me anymore. 
I am going through a VA Loan Modification since XX/XX/XXXX and all documents was provide it, even though Texas has non disclosure law. 
Now, Lender stating there is document that is missing. 
On XX/XX/XXXX, in a response to Federal Government, lender stated that they no further documents is needed it and they was still working on my VA Loan modification. 
Now on XX/XX/XXXX, lender Rep stated Foreclosure had been escalated and l will be forced out my house with Texas Sheriff and Court. 
Lender wants me to pay {$7500.00} and in collection. 
Lender wants to collect {$7500.00} and Foreclose my home.immediately. 
I am XXXX and XXXX. 
I am going through agony and sadness because of my family in XXXX, XXXX as l explain to lender, but lender doesnt care and lender law firm is making preparation to foreclose my home. 
Urgent Matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: JP RECOVERY SERVICES, INC.
State: WV

Complaint narrative:
on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX this number is calling multiples time a day, I decided to answer when the person on the other side of the line a female, asked for my XXXX years old name, social security number and day of birth, I asked who is this, the female refused to answer my questions after I refused to give my daughters social security number alleging that this a business matter, when I asked what type of business she replied unless I do n't give the information that she is asking for there is no business to discuss. I researched the number and I realized that this is medical collections on my husband name not on mine, also the bill stated XX/XX/XXXX, we never received any statement of this collection. 

This company is contacting family members and requesting information about minors, keep calling more than 4 times a day. I want them to stop collections of this alleged debt that my husband does n't owe, we researched and ALL medicals bills are paid for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a paid and satisfied Ga tax state lien that has been released on XX/XX/2017 from the XXXX XXXX XXXX XXXX. I have submitted the information over to all credit bureaus, XXXX, XXXX, and Equifax. All bureaus besides Equifax have released and removed the lien from my credit report. I have called Equifax on several occasions to se reason on why they wont remove this lien from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: CA

Complaint narrative:
Both, Transunion and XXXX report and amount of {$570.00} from XXXX XXXX. XXXX XXXX is a satellite provider. The HOA where I live ( and have lived for almost 20 years ) does not allow satellite services for the residents. If a homeowner ( such as myself ) has a satellite television disc on their property the HOA will fine us {$50.00} a day. 

The only television that is allowed is cable TV. Out provider is XXXX XXXX XXXX XXXX. We pay for that as part of our monthly homeowner 's dues. So why would I pay for a satellite TV service when it is illegal for us, and then pay, on top of the monthly satellite TV service fee, and extra {$50.00} a day. Plus pay for the monthly cable TV service that we are obligated to pay anyway? 

Attached is a copy of an old HOA invoice for my house from back in 2016. you can see the charges for cable TV are included in the {$410.00} fee. 

This bill belongs to someone else.

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 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mar Joe Enterprises
State: VA

Complaint narrative:
Apparently back in XX/XX/XXXX, I visited the doctor ( I was still under my parents insurance plan ), and my insurance supposedly did n't cover any of the expenses. I had no knowledge of the debt being owed until I began applying for loans, credit cards, auto financing, etc. So once I found out about the debt, I called the collection agency it was with and asked for a copy of a detailed bill ( which they were never able to provide ). The debt was then transferred to a different collections agency who attempted to call me everyday at XXXX XXXX while I was attending class in college. I was finally fed up with the collection efforts ( since no one could explain the debt and why the insurance did not pay it ), and disputed the charges through XXXX who found my claims to be accurate and removed the derogatory account from my credit report. Now, the other agences ( XXXX, XXXX ) will not remove the item as they say it is accurate. I do not undersatnd 1. Why my insurance did n't cover this debt ( my XXXX had state benefits because he was a XXXX XXXX at the time so he had really good insurance ) 2. Why this debt is still showing up on my credit report though it was removed by XXXX but is still reported by the others and 3. Why no one can provide me with a detailed bill. It has been 5 years of putting up with this nonsense and I refuse to allow this to impact my ability for financial success and one day owning a home

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I 've contacted the Dept. of Education/Navient on several occasions. I 've email : XXXX and the CEO : XXXX on several occasions to address my concern. 

I have never been late. My account has always maintained a deferment status. I have 38 derogatory marks/late marks on my credit reporter all 3 reporting agencies. They all show 120-149 days late. This is affecting my credit score tremendously as I am trying to close on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Service, Inc (FL)
State: TN

Complaint narrative:
I have sent multiple, certified letters for the company to send me other information than a bill printed off of their computer stating that I owe {$780.00} and that they demand payment now. They refuse to send me : *A validation letter *A written contract with my hand written signature on it, that includes date, amount and all of the detailed information showing that I received or agreed to receive any services. 

*Proof they are licensed to collect in my state *Provide me with their license numbers and registered agents The only thing they continue to send are letters demanding payment or they will report the bill to the credit bureaus. 

I have receipts from USPS showing that they have received my letters requesting the information that I am entitled to under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: CA

Complaint narrative:
Both, XXXX and Equifax report and amount of {$570.00} from XXXX XXXX. XXXX XXXX is a satellite provider. The HOA where I live ( and have lived for almost 20 years ) does not allow satellite services for the residents. If a homeowner ( such as myself ) has a satellite television disc on their property the HOA will fine us {$50.00} a day.
The only television that is allowed is cable TV. Out provider is XXXX XXXX XXXX XXXX. We pay for that as part of our monthly homeowner 's dues. So why would I pay for a satellite TV service when it is illegal for us, and then pay, on top of the monthly satellite TV service fee, and extra {$50.00} a day. Plus pay for the monthly cable TV service that we are obligated to pay anyway?
Attached is a copy of an old HOA invoice for my house from back in 2016. you can see the charges for cable TV are included in the {$410.00} fee.
This bill belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: AL

Complaint narrative:
I noticed inquiries on my Equifax credit report that I did not recognize, after I made Equifax aware that the inquiries were not mine. I also let them know that I had disputed the inquiries with the companies that requested them and they were not able to produce any applications signed or otherwise proving that they had written consent to access my credit report. The supervisor I spoke to, XXXX, flat out REFUSED to investigate or initiate a dispute for any inquiry. There are over XXXX inquiries on my report that I did not authorize from companies I have not even heard of.

Company response to consumer: Closed with explanation