vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently reached out to Experian about unauthorized inquiries I found on my report. The agent I spoke to told me to file a police report for fraud. I went to the police department here in XXXX. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Experian yet again and was told to file a complaint here. 
This is the list of inquiries that Experian refuses to remove that I did n't authorize. 
XXXX Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.

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 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am trying my best to make payment arrangements with my lender since I can not make the monthly payments. I do not make enough money to pay what they are asking for. I have submitted the paperwork that they requested 3 times. On my paperwork I specifically indicate that I am asking to make payments arrangements and NOT asking for forbearance. They keep insisting they are not receiving my paperwork and in the meantime keep charging me late fees. I have called and asked to speak to a manager and nobody at this company listens to anything I 'm saying. I feel like I should not be charged late fees because they are disorganized and do not process paperwork in a timely manner. This lender is responsible for collecting for XXXX University which was sued recently for fraud. It seems like they are trying their best to add fees on top of more fees instead of working out a payment plan with me which is not right. I paid enough money in tuition to attend this school only to have my degree serve me no purpose. I have not been able to get a job in my field of study and XXXX has not helped me get a job either. So now they 're trying to rob me of the little income I have. Someone please look into this and help me get this resolved. I am not asking for handouts, simply want my request processed properly and allowed to make smaller payments a month until the account is all caught up and not be charged late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Perfection Collection
State: GA

Complaint narrative:
This company is misrepresenting the time this debt first defaulted and became collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin. 

In a separate complaint this company agreed to remove this account from my credit report. It was simply removed from my XXXX credit report, but added to XXXX. I am now submitting a second complaint to ask for it to be removed from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
I received a package in the mail for a work at home opportunity. It was a XXXX for MoneyGram. A check was enclosed with a complete instruction memo on how to complete the task. I did exactly what it instructed, I deposited the check for {$1900.00} into my account and once the funds were released I withdrew {$1700.00} to make the XXXX separate transactions. I went to XXXX separate MoneyGram locations and made the transfers successfully. A couple of days later XXXX called and said the check was returned. XXXX separate transfers were done, XXXX to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX and the other to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The communication came from an XXXX XXXX and the reply emails were as such : XXXXXXXXXXXX or XXXXXXXXXXXX XXXX. 
Email report to XXXXXXXXXXXX for how you rated the customer service you received at each location. The XXXX after the fact said they have had several of these incidents and checks returned after being accepted into their banking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX XXXX XXXX. After having XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX XXXX XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for XXXX medical services. My excellent ( check the history ) credit status should be restored immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
The loan officer has advised the foreclosure that should have been off my record since 2012 is prevented me from getting a FHA loan. I received a letter saying XXXX broke the law by mishandling my case so not sure why this foreclosure should affect my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Medical Society Business Services, Inc.
State: TX

Complaint narrative:
I happened to check my FICO score tonight and noticed it plummeted, then I proceed to order my credit report. To my surprise, I have a medical debt, in which it took some digging before I realized I have missed a bill. Apparenly, what I paid to XXXX hospital is separate from the Physician bill, in which the XXXX has made a poor effort of communication to me regarding the separate charges since XX/XX/2016. And the Bureau of Medical Economic has made a poor attempt in collecting from me, I have yet to receive the bill, I do n't even know the account number of which I owe. The bill is only {$340.00}, I would have pay it if I would have been notified of the separate charges or notified of the late payment. This form of poor communication will affect my credit and future in a negative way. My fiance and I have been working to build a home/house, and now with the downturn of my credit score, I m not sure what my future holds.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have been disputing inquiries that were not made by me and they were not removed and no response or actions has been made by the credit reporting company. 
Below are the inquiries that are to be removed : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/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 non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
Chex Systems is not complying with federal laws in regards to its records of me in its databases and what it reports I placed a consumer freeze on my credit file before and like magic it disappeared so today i placed one again. I check my XXXX credit report and they are letting their agency subscribers defame my name and character of debts that were charged off by which creditors have been paid for by writing them off as a loss on their business income taxes. The debts are now being reports XXXX times as if i owe the amounts XXXX times since 1998. by the fair debt collections practices act these items should have been purged and deleted outside of statutory limitations. These items under federal law should not be on my credit report by which they are and now i have submitted them to my attorney to pursue actions against them for trying to report them on my credit reports.

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 2017-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I am unable to get monthly statements on my auto loan. On the company 's website, it will show a payment breakdown with principal and interest but since XXXX 2017 mine has been incorrect. They have not applied 2 payments to my balance. When I called them they said it was a " Glitch in the system and they could n't fix it ''.

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had a tax lien with the state of Maryland, which was paid off and released in XX/XX/2016. In XX/XX/2016 I reached out to the state comptroller 's office to have this tax lien withdrawn. The state decided to vacate and WITHDRAW the lien,. The comptroller 's officr sent me a copy of this letter in which I faxed to Equifax in a previous dispute but even with the letter from the state 's comptroller, Equifax refused to remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: Professional Service Bureau
State: FL

Complaint narrative:
They call me all day on my cell phone and at my work number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I missed a few payments due to being out of work from XXXX. Synchrony Bank was calling me and leaving messages saying they needed to contact my attorney and would be arresting me if me or my attorney did not contact them by the end of that day. This went on for weeks until I was able to pay 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 monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX S.S. # XXXX / CONTACT NUMBER XXXX email XXXX ADDRES XXXX NJ XXXX RE : CITIMORTGAGE INC ACCOUNT # XXXX Complaint against CitiMortgage Inc. CitiMortgage Inc. refuses to report the statu status of the account correctly to XXXX , reporting account # XXXX as derogatory and late 120 past due. The account status should be reported as paid and closed as evident by tax forms XXXX and XXXX and my XX/XX/XXXX tax return in witch I was required to pay capital gain taxes for the property list as XXXX NJ. 
XXXX.This is my primary residence since XX/XX/XXXX.CitiMortgage Inc. also refuses to identify to me who made the unauthorized payments on the account from XX/XX/XXXX until XX/XX/XXXX these payments are fraudulent, reinstating the account without authorization, this is evident by the attached XXXX credit report dispute dated XX/XX/XXXX.The account went into dispute XX/XX/XXXX.The fair Credit Reporting Act states that no negative rating should be issued while an account is in dispute. 
CitiMortgage Inc. is reporting pay status on a closed account as 120 past due. Please rectify this issue. 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 2017-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I placed an order for a hoverboard for my son on XX/XX/XXXX. When I received the confirmation email from XXXX, it did n't look quite right. So I searched them, and found them to not be a reliable company that charges but does n't ship the merchandise. I immediately, called Chase and told them not to authorize the charge and why. Two days later, they let the charge go through. After numerous emails with XXXX, I finally received an email XX/XX/XXXX from XXXX, that they were refunding my account. I waited and still did not receive it. I contacted Chase to file a dispute. They have continued to give me the run around. I sent them all emails, documents and they said they did n't see anything to dispute. 
I was charged {$260.00} for a hoverboard that I did not receive. To me that is problem. Chase has continued to ignore and not investigate my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from IC SYSTEMS. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEMS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. 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 2017-04-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was fraudulently charged for a camera by American Express. I placed the order for a {$460.00} camera with XXXX, and the charge came from XXXX for {$610.00} because they lied about the camera not having a battery and charger. I never received any order information, they have done this to person after person. Contacted American Express right away about the merchant cheating customers but American Express took the side of the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: PR

Complaint narrative:
I used to have an XXXX XXXX XXXX card. The account balance was {$0.00}. XXXX XXXX closed my account on XX/XX/XXXX. They sold my account to Barclays BANK DELAWARE. I screen and monitor my credit Weekly and received a notification from XXXX XXXX Website and realized that my credit score was below the usual number I had. When I looked closely, I realized that my score was affected by BARCLAYS BANK DELAWARE. They claimed I owe a balance of {$180.00} of {$8500.00}. To my surprise, I never received a card nor activated my credit card from this bank. I called them on XX/XX/XXXX and they told me to create a complaint to your company because they have no control or are able to correct this error. They verified that I never activated it. By all means, I am not paying an APR balance of a card that I am not using, and since it 's late, it 's accruing interest. Please help me with this matter and fraud.

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 monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The house is supposedly has a Sale Date. I 'm using agency to help me. But I do n't understand neither the Agencies or the Bank with Mortgage. I 've turned in all the paper requested. But I 'm very confused not getting any help or answers. And at this point I 'm desperate do n't know what else to do!

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 2017-04-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient - Firstly, I dont believe i ever approved my loans being sold to a third party like navient but the point of this is they are reporting to the gov. about half of the interest I actually paid to them. The XXXX I received was half what I actually paid verifiable with my bank account and loan statements. Seems to me they are trying to report less interest paid so they can cover up the ridiculous rates and fees. I dont think interest is calculated correctly at all on my account. 

Now, for the past 3 years i have been making double payments consistently. Fortunately unlike so many others i am able to pay these loans with no problem. However, after just making larger payments all of a sudden the interest rate jumps from 2.8 % to 5 % an 80 % jump? Their actions are completely criminal. Why do they use students like this? is my 2 points really going to make/break the bank? Im not even worried about me. Ill be fine but how many other things do they slip in under the rug to rake in millions off the backs of the students of this country. It really needs to be stopped. I dont even know what to do. I feel completely helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Red Cedar Associates LLC
State: IN

Complaint narrative:
I keep receiving calls from an unknown number claiming I have a debt that needs resolved and that they have attempted to contact me to get resolved. Then claim they are sending papers in person to my place of work or home. The number they leave to call is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 

My name is : XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX My current phone number is : XXXX Also, my current and only address is : XXXX OH XXXX I HAVE RESIDED HERE FOR 7 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS ALLL OTHER ADDRESSS ON MY REPORT ARE NOT MY PLACE OF RESIDENT PLEASE REOVE THE FLOWING : XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX XXXX OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct

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