vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 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: TX

Complaint narrative:
XXXX, XXXX  and Experian are all reporting that I owe a student loan when in fact this is not true and the statue of limitations are expired which is 4 years in the State of Texas. I have sent multiple letters to ask them to verify the " unverified '' information in which I was told that they have investigated and it is in " fact my account ''. This is untrue and incorrect and I need them all to delete this incorrect information from my credit file. I can not get a mortgage for my family because of their error. What upsets me is that they can put incorrect information and say they " investigated '' when I know for a fact that no investigation was done and no proof or wet ink signatures were sent to me. I do not have an MPN for the loans they have on my file. So they need to remove this within the legally allotted time frame which has increasingly expired. I understand that XXXX and others have been sued for reporting incorrect information on peoples personal credit reports and I want my name added to that bunch. I do not want to go to court and sue the 3 credit agencies and XXXX XXXX XXXX XXXX for their mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Integrated Recovery Services
State: MA

Complaint narrative:
This person has called me, my wife, and my mother trying to collect a debt. They have not sent me any documentation on the debt and I have refused to give my personal information due to the fact that I do not know if this company is a scam. I looked this number up online and many sites list it as a scammer number. Also, I have no outstanding debts and thus I would have nothing in collection to be called about. So, I know it's bogus.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/2019 Chase denied credit based on a number of accounts opened in a 2 year period reference # XXXX and not my credit worthiness. The reason the other accounts were opened is due to companies competing with lower rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
Tuesday, XX/XX/2019 I received a call from a gentleman name XXXX from Hunter Warfield, he stated he was a debt collector and that I owed money from an apartment rental. I explained to him that this information is fraudulent and I have no knowledge of any such rental. He stated he was sending me an identity theft affidavit to have it notarized and returned. However, he never supplied me with this information. I would not like this fraudulent information reported on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 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: KY

Complaint narrative:
Dates of problem : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I placed a credit freeze at all three credit bureaus after my information was compromised during the theft of XXXX XXXX  and military service member data several years ago, Recently, in a transaction with my bank, the bank needed to pull my Experian credit report. I went to experian.com/freeze and requested the freeze be temporarily lifted. The system displayed a message that my session had expired and directed me to return to the login page. I did so and reentered the information again. Then I received an error message that said that a request to unfreeze my credit report was already submitted. However, when my bank tried to pull the credit report, they received an error that it was still frozen. 

I have tried this several times, without success. Finally, I tried to contact Experian to speak to a customer service representative to resolve. However, there is no method to speak to a person. I was sent through a number of menus to finally arrive at a recorded message to direct me to submit information in writing. So, that is what I am resolved to doing. 

Experian needs to fix their online freeze/unfreeze system.

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 2019-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: OK

Complaint narrative:
This is my second issue with XXXX XXXXXXXX XXXX. XXXX is stating my balance is {$760.00} which includes a payment of {$290.00} which I made today and is leaving a balance of {$470.00} which includes the balance of my next payment of {$290.00} due on XX/XX/XXXX but it does not explain the balance of {$170.00} and there is no current statement explaining this charge. I am disputing the billing error in the amount of {$170.00} on my account. The amount is inaccurate because there is no statement indicating how this charge was calculated. My contract states that my car payment is {$290.00} every month due on the XXXX with a 10-day grace period. After the grace period I can be imposed a late charge to 5 % of the unpaid installment amount of {$23.00}, whichever is greater, after 10 days. I had previous late fees of {$23.00} or less that were credited back to my account along with a letter stating they have been removed from the account. I have not had a late payment since. 

I am requesting that the error be corrected & explained, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and an itemized statement of the charges. 

Enclosed are my copies of all my monthly payments ( including the most current payment ), the contract, the most current statement on account which is dated XX/XX/XXXX supporting my position. Please investigate this matter and correct the billing error as soon as possible. 

I dont know if this is in regard to the pending lawsuit against flagship and now they are doing erroneous billing to scare customers. I hope this is not the case because if it is then this company needs to be investigated IMMEDIATELY. 

I did sign up to receive electronic statement and I have received one electronic statement. My last paper statement was back in XXXX of XXXX. I checked my communications tab and my email XXXX is listed on there so I dont understand why I have been receiving electronic statements. 

I will NOT ACCEPT ANY PHONE CALLS FROM FLAGSHIP. You may contact me @ my email address at XXXX Thank you, XXXX 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 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
Notified by XXXX that a derogatory mark had been added by Nationwide Recovery system for the amount of {$1100.00}. Nationwide stated the original creditor was XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they have no record or me ever in their system or for their affiliated services. I then contacted XXXX XXXX XXXX in XXXX GA, the only hospital I have ever been to and they have no record of me owing anything to them or their radiology or physicians department. I then called Nationwide to tell them of my findings and they stated the only resolution was for me to file a police report that they would not do anything to further help get this off my credit. I was never contacted by nationwide by phone or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have uploaded the document from XXXX as it does not pertain to me as they are looking for information from the decedent, the all cap name listed on the debtor document. I do not have any credit reports and did not consent to any, if they are reports they are total fraud and proof of that is the second document uploaded showing me, the true creditor before anything is contracted. Everything is commerce the all cap name that XXXX is looking for is DOG LATIN also called American Sign Language, " GLOSSA, '' is the ALL CAPS language used by various courts and governments to steal the identity of any sovereign man. Find Dog Latin explained in the Article : 11:147 Chicago Manual of Styles : Sixteenth Edition : Foreign Languages. You find this counterfeit immoral language of Symbols on a driver 's license, court documents, passports, etc. You can look at Blacks Law dictionary 4th edition. 

The DOG-LATIN text is found on the tombstones of a grave. XXXXog Latin is the engraved image on the tomb, the written text of the dead. It is debased Latin, appearing as a written sign language without the hyphens. Written Sign, subject to the grammatical rules of Latin, appears in ALL UPPERCASE TEXT LIKE THIS. 

There are three languages, one for the debtor, one for the creditor and one for the administrator .... Even though I used to assume that I can read all three, they are totally three separate languages and have no jurisdiction with each other unless I " consent ' ... but my past consent comes with ignorance of the difference between such three languages and assume them to be one language, it's all a big fat lie. 

XXXX  keeps pushing the fact that if I would like my personal credit report that I would need to call and request it from them. How can I call when I do not have any credit reports when the legal name shown on the document is a corporation that is used by the government.

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 2019-02-28 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: Innovis
State: TX

Complaint narrative:
I have uploaded the document from XXXX  as it does not pertain to me as they are looking for information from the decedent, the all cap name listed on the debtor document. I do not have any credit reports and did not consent to any, if they are reports they are total fraud and proof of that is the second document uploaded showing me, the true creditor before anything is contracted. Everything is commerce the all cap name that XXXX is looking for is XXXX XXXX also called XXXX XXXX XXXX, " XXXX, '' is the ALL CAPS language used by various courts and governments to steal the identity of any sovereign man. Find XXXX XXXX explained in the Article : XXXX XXXX XXXX XXXX   XXXX : Sixteenth Edition : Foreign Languages. You find this counterfeit immoral language of Symbols on a driver 's license, court documents, passports, etc. You can look at XXXX XXXX dictionary 4th edition. 

The XXXX text is found on the tombstones of a grave. XXXX XXXX is the engraved image on the tomb, the written text of the dead. It is debased XXXX, appearing as a written sign language without the hyphens. Written Sign, subject to the grammatical rules of XXXX, appears in ALL UPPERCASE TEXT LIKE THIS. 

There are three languages, one for the debtor, one for the creditor and one for the administrator .... Even though I used to assume that I can read all three, they are totally three separate languages and have no jurisdiction with each other unless I " consent ' ... but my past consent comes with ignorance of the difference between such three languages and assume them to be one language, it's all a big fat lie. 

XXXX keeps pushing the fact that if I would like my personal credit report that I would need to call and request it from them. How can I call when I do not have any credit reports when the legal name shown on the document is a corporation that is used by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
After getting my XXXX and my first job as a XXXX, I started repaying back my XXXX student loan. I began to notice that the monthly payments were rising quickly because the loan was not fixed. I decided to refinance with a fixed rate with my mom as the co-signer. We were shocked to find out our refinance was denied due to my credit report. We finally were able to speak with a representative from the lender to find out more specifics of the credit report. The student loan that was taken out through my mom 's XXXX XXXX   XXXX XXXX was listed as a " line of credit '' and showed up as such on my credit report. After many many calls to the original lender, processor and XXXX XXXX, we find out that indeed this is the way the students loans were packaged so that the university could draw on the account each semester. We were obviously not aware that this could adversely effect my credit. Since it is listed as a line of credit, my numbers are off even though my credit score is extremely high. This has affected my ability to refinance as well as my credit for anything else I might apply for. Effectively leaving us with no options and at the mercy of the current raising rates. No one has been able to assist us and we have received quite the run-around in trying to figure out how to proceed with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: TX

Complaint narrative:
I do not know who charge this alarm in my name? I have lived in my house 28 years, I have never lived at this home where the alarm was installed or signed my name on any document allowing these charges to be in my name, I did not know anything about this charges until it appeared on my credit report. The collection agency has no sense of urgency to correct the problem, other than file charges on the person whom used my name, Police department has no direction, how can they just add a collection to my credit for 7 years when it is not mine?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are inquires on my credit report that I do not recognize and that I did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 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: Duvera Billing Services, LLC
State: SC

Complaint narrative:
Took our loan of {$2500.00} with biweekly payments of {$130.00} to pay for transmission through XXXX XXXX who uses a company called easy pay to finance. We struggled to make these payments biweekly and were able to come up with the payoff amount given verbally of {$2400.00} in XX/XX/XXXX. We then starting receiving messages around XX/XX/XXXX that the interest had continued to accrue as we did not pay the entire amount off despite being quoted that. We attempted several times to settle but the amount wanted was too high. Now they are asking for over {$1900.00} just in interest payments. I have sent three debt validation letters with no response, the last with the address given on my credit report, the letter was returned address not known, unable to forward. We never wanted to finance a transmission and could not afford to do anything but finance due to transportation needs. This company took advantage of us, we called and were given a payoff amount the money was immediately sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I recently applied for a home loan and in doing so, I discovered a negative file on my credit report from Choice Recovery of {$41.00} for a medical debt. I have never received a bill or notice from Choice Recovery for this debt. Upon discovery I contacted Choice Recovery today, XX/XX/2019 and a representative informed me where the bill was coming from and it is for a service I received and I'm willing to pay for this bill. However, I have never received a bill prior to today to be able to pay and avoid this negative reporting. When speaking with the representative from Choice Recovery, it was confirmed that the address they had didn't include my unit number for me to be able to receive the bill properly. I asked that the negative reporting be removed due to this and was informed, the negative reporting couldn't be removed and only marked as closed and a satisfied debt if paid. This is unacceptable considering the error in the billing address they have. I request that I receive a proper bill at my correct address and the negative reporting removed from my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
In summary, on XX/XX/2018, XXXX XXXX received a telephone call from an individual who claimed to work for XXXX. The caller convinced XXXX to grant shared access to the computer screen. The caller then convinced XXXX to log into her online bank account so that XXXX could compensate for computer issues. The caller told XXXX he accidentally deposited too much money into her account. The caller instructed XXXX to send a {$12000.00} money order/ cashiers check to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX, XXXX , CA XXXX in order to return the excess amount. XXXX went to her local TCF Bank Branch and obtained a {$12000.00} cashiers check, but before this check was placed in the mail stream XXXX received another telephone call from the XXXX impersonator instructing her to send the check directly to XXXX XXXX XXXX XXXX   Account # XXXX / Routing # XXXX instead. The said cashiers check was deposited into XXXX account at approximately XXXX XXXX on XX/XX/2018 at the XXXX XXXX  XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The transaction receipt indicated funds would be delayed until XX/XX/2018. 
> > Shortly after the deposit, XXXX was made aware of the fraud scheme by neighbor/ friend/ authorized account user XXXX XXXX . XXXX revisited both XXXX and TCF Bank Branches with XXXX. XXXX requested a stop payment on the cashiers check at TCF to ensure the funds would not become available in the XXXX Account ; however, the TCF bank teller informed XXXX this could not be completed on XX/XX/2018 because the amount was greater than {$5000.00} and required approval from a manager who was already gone for the day. On XX/XX/2018, XXXX helped XXXX file XXXX Police Report # XXXX. The {$12000.00} was returned to XXXX TCF Bank Account for only a few days. XXXX is currently at a loss of {$12000.00} as a result of the fraud scheme. 
XXXX XXXX spoke with the district attorney XXXX XXXX in California XXXX. She personally reach out to XXXX XXXX and found she also was a person of identity fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
A collection company by the name of CMRE ( phone number : XXXX and email : XXXX ) has mailed me a letter dated XX/XX/2019, stating that I owe {$5.00} to XXXX XXXX XXXX. 

I dont know anything about this debt neither have I ever received a letter regarding that debt. 

Obviously, I want to find out what is it? 
You might thing it's simple, and that i just call or email this company and they will explain it to me. 
NO!!!! 
I have tried calling them many times, no live person ever picks up the phone. I have left voice mails. i have emailed them, even threatening to sue them if someone from their office does not return my calls or respond to my email. 

So far, no one has contacted me in any way or form. 

I have a fico score of 780+ which i have worked hard to attain in the past 10 years. 
This collection attempt could ruin it and greatly damage my credit worthiness and my financial future. 
I am asking for your help to contact these people and have them contact me so we can settle this issue. 

I have also done the same with XXXX XXXX XXXX, calling and emailing. Same exact issue. No one has contacted me, no one has responded to my voice mail messages and email. I only received an " Auto Reply '' from them ( XXXX XXXX XXXX ), which was never followed up on by a live person. 
I am in a delima and need your help. 

Thank you very much XXXX XXXX

Company response to consumer: Closed with explanation