vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-24 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: PA

Complaint narrative:
I have submitted several disputes with Equifax. They refuse to remove the in accurate information. I have sent letters, which i attached below as well as spoke with several representatives between the creditors and Equuifax. 

Equifax has an address on file that does not belong to me, not associated with any account reporting. I have disputed twice in the last 60 days alone, XX/XX/XXXX and XX/XX/XXXX. The dispute resolved both time, with the address still reporting. This is not my address, never resided at this address. 

There are several inquiries being reported, that i did not authorize or give permission to the creditors to pull my credit. I contacted Equifax by phone and letter and was informed to contact the creditors directly, so i did so. The creditors did not provide me with any information proving authorization from me to pull my credit. They sent letters stating to contact Equifax to have the inquiries removed. I am being bounced between the creditor and Equifax and no has provided me with any proof or validation. I am not disputing any inquiries i am aware of. I know what i applied for. These companies do not have a right to pre screen or pre approve me for anything i did not agree too. I've asked them all to take me out of their data base as well as opted out of prescreening all together to prevent this from happening again. 

Some of the creditors agreed to remove the inquiries, XXXX XXXXXXXX XXXX ( letter of removal attached ) i sent this letter to Equifax and this account has yet to be removed. XXXX investigated and removed the inquiry. XXXX XXXX, provided me a confirmation number of XXXX XX/XX/XXXX and this account is still present. 

XXXX XXXX pulled my report 3 times unauthorized. They sent me a letter with a name that is not even mine, XXXX XXXX. My name is XXXX XXXX. stating they received a application via internet website. I have no idea what this company is. I never applied for their services, where is the application? they can not provide it! 

XXXX, I never applied for a credit card with their company. Yes i have a free XXXX XXXX account as do most people in the country, but I never applied for credit with them. They too unable to provide proof of application. 

I sent all this information to Equafix and they are doing nothing about it, these accounts are still present on my report. 

I attached all of my communication with Equifax and the Creditors for your review. 

Please also note that i was a victim of the most recent Equifax Security Breech as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: SC

Complaint narrative:
After retrieving copies of My credit report. I sent a request for validation on XX/XX/18 to Lanier collection agency regarding 3 different accounts listed by CRAs. Lanier Collection Agency have failed to respond within 30 days as allotted by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened this loan in XX/XX/XXXX to help manage an issue that came up it property taxes and to help manage some other debt. In XX/XX/XXXX I came into some serious financial issues with repaying the loan and I wasn't about to come to a resolution with the bank.

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 2018-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
My payments are due on the XXXX  of the month and have been set up to come out automatically. The payment was made but I get a notice about a past due payment and was charged a late fee. They are not handling my payments right at all and have raised my interest rate on the payment without notifying me. I signed in on the website to find this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I contact the United States Federal Communication Commission in regards to when I access my TD Bank Saving Account Online and try to close the web Brower it would not allow me to close the web page or my online Account is it legal to create a Website for customer to view the Bank Account and then have the website not to work according to United States Federal Regulations is this legal a customer should not be force to leave the account open on the website for any reason this leave chance for the account and website to hack it this should be illegal and I would like to have this website an all online banking review to secure security for the customers and ensure that we have secure way to view or account or is it legal even to view our account online and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened this credit card to assist purchasing things after a recent change in life events. A little over a year after financial hardships set in and the account went into default and I wasn't able to reach a resolution with the bank.

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 2018-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX Sent me a bill offering to accept 50 % of the amount owed to XXXX XXXX XXXX XXXX XXXX XXXX service XXXX XXXX Account I do not have, nor have I ever had, a XXXX XXXX  account or any account with either XXXX XXXX XXXX, or XXXX XXXX While XXXX XXXX XXXX may be a legitimate company, the loan itself does not exist and has never existed.

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 2018-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Our application for refinancing was submitted XX/XX/XXXX By XXXX XXXX ID : XXXX at the XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. This application was complete and accepted. 

Also as per the copy of the letter you claimed to have sent on XX/XX/XXXX reportedly informing the servicing of our loan being transferred to XXXX XXXX XXXX XXXX All these letters were sent to wrong addresses purposefully or ortherwise. Please attached. 

We state the same for all your correspondence. 

Per section 6 of RESPA if you send a qualified written request, as a consumer I should have received acknowledgement and written correspondence regarding my request. We feel that the requirements of RESPA were not met. As such our rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have disputed the reporting of this account because it has been reported twice on my credit report. The company and all three credit report agency refuse to fix it. I need someone to help get this corrected. Please

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 2018-02-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. 
I have paid the balance in full but noticed my XXXX credit account has NOT been reported to the credit bureaus.

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 2018-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
XX/XX/XXXX received a notice of income execution. on XX/XX/XXXX received notice off 10 % being taken from my paycheck for a bill off {$5300.00}. I have called and tried to talk to attorney/creditor about this. I don't know or have never heard of the company they are claiming i owe this money to. They ( Pressler and Pressler ) claim to have talked to me in XX/XX/XXXX about this bill, the last time they were able to contact me so they say. since XX/XX/XXXX i have been trying to clean up and fix my credit. If i had any idea of this or thought it was something i owed i would been asking for a settlement amount. since it does not show up on my credit report and have received nothing by mail until XX/XX/XXXX giving me only until XX/XX/XXXX to pay or dispute {$5300.00}. I feel this is not my bill since i have record of this or have never heard of the card they say i'm owing. This is called XXXX XXXX XXXX. i called the sheriff 's department which has told me they never had correct information or address for me this is why i never heard about it until now. i was also told they the sheriff 's can not stop or do anything at this point only Pressler and Pressler can stop it and investigate it. i'm very upset that if i owe this money i was not given a chance to settle this. but my records show nothing of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I am submitting a complaint, firstly here, then to the BBB, after this I will be seeking more aggressive routes as this is criminal in my mind, in order to hopefully get some kind of relief from the damage this company I C SYSTEMS has done to my credit. I have asked many times to verify the debt of {$1100.00} as well as show the contract that I have signed with them and not any other company. Without any proof sent to me. They have changed the dates on the debt. They have repeatedly reported it as new debt in my reports and I have watched my score drop at least 11 points each time that have done this. Most recently they didn't even wait a week before slamming me with this tactic twice. Which I will send proof of with this complaint. This damage will take me years to fix. I believe this is an illegal practice and not the least of which immoral. I don't know this debt. I will NOT pay this debt. I will not give any money to anyone that is trying to strong arm me. I have lost way more in time spent trying to repair my credit and interest rates due directly to their actions. This has been going on far to long.

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 2018-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Sent me a bill offering to accept 50 % of the amount owed to XXXX XXXX XXXX XXXX XXXX XXXX service XXXX XXXX Account I do not have, nor have I ever had, a XXXX XXXX  account or any account with either XXXX XXXX XXXX, or XXXX XXXX  While XXXX debt collection may be a legitimate company, the loan itself does not exist and has never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations  committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the  alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party to the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Identity theft Unknown person open account in my name XXXX XXXX  XXXX also known as XXXX XXXX XXXX Date open XX/XX/2017 Amount XXXX dollars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24 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: CO

Complaint narrative:
I have been working extremely hard to raise my credit rating since a major natural disaster flood impacted my family and destroyed my credit in XX/XX/XXXX. Prior my credit was XXXX. Dropped to XXXX. Finally got it to " good '' XXXX in summer XX/XX/XXXX. Suddenly without explanation it dropped to XXXX and Fair rating. I called Transunion immediately after carefully reviewing my credit report and finding nothing wrong. I carefully went over all my credit cards to make sure no problems, none. The balances were lower in XX/XX/XXXX when my rating dropped than when it was higher. Talked to mortgage company, all ok there. Nothing discernible anywhere that would drop my score. Called Transunion again. They said a supervisor would call me back. I rescheduled my work day and waiting in my office for their call. They never did. That happened twice. Called again. Talked to a supervisor 's supervisor. They told me to call XXXX, it was their problem. XXXX said it was Transunion 's problem. Back and forth they sent me. I finally said I would not continue to spend many additional hours on phone. Had spent over 10 hrs talking to Transunion. According to XXXX, my credit utilization percentage is lower, I had no inquiries, no missed payments and an excellent 26 yr length of credit. All good reports. My credits cards are still high from the flood recovery but all are lower than previously when my credit rating was higher? Both Transunion and XXXX would not do anything and could not explain what dropped my score. I finally called you. Pls help me find out what has happened and why? I am about to retire and need to refinance my home to keep my home. I can not do that with a " fair '' credit rating. I have worked diligently to pay all on time.I am XXXX yrs old and am wondering if that is a influencing factor in XXXX and Transunions actions? Thank you, XXXX XXXX

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 2018-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BRite Financial Services, Inc.
State: WI

Complaint narrative:
My car was due Thursday brite financial is calling me on every phone number listed to harass me. I attempted to make a payment arrangement for the following week and it was denied because i cant make a partial payment. They told me they can call me every day as often as they like until account is current. Its 2 days over due?

Company response to consumer: Closed with explanation