vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
My loans were originally with XXXX XXXX and XXXX XXXX bought them out. Well in XX/XX/2017 I had called in to get some information on my loans. After speaking with a representative I went on to get 2 more calls that same day. That clearly violates the FDCPA and I advised them not to call my cell phone anymore. Well the next day I received another 2 calls from them from an automated dialer and therefore I called them and advised them that also violates the FDCPA. After that I was frustrated and offered them a settlement on the account in which they rejected. As of XXXX Navient has been speaking to me because they were the servicer at that time and XXXX XXXX the guarantor. I advised Navient of the same thing. Either settle on the account for the violations of the FDCPA and or bring the balance to 0 considered pain in full. I also advised Navient not to call my cell phone as my employer pays for it. Well they didn't listen to that and I proceeded to get another few calls. After a while they stopped. Well last week XXXX XXXX XXXX whose parent company is Navient called my two sisters. First thing they said is this is an attempt to collect a debt how do we get ahold of XXXX. Well stating it was an attempt to collect a debt that clearly violates the FDCPA. Both of my sisters advised them not to call there cell phones they said okay wont happen again. Well my one sister got another call today and first thing that is said is this is an attempt to collect a debt. My sister was not happy as she specifically told them not to call her cell phone. well since they called her again and they advised it was an attempt to collect a debt that's another two violations. I want this balance taken to 0 considered paid in full to reflect that.

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 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received a notification on my XXXX Credit Report on XX/XX/2018 that one of my creditors had decreased my limit on my XXXX XXXX credit card. I was not notified of this before the action took place. I had missed a payment by 8 days and paid it immediately when I found out that I had missed said payment. My payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX. This is the first payment, in the 4 years that I have possessed this line of credit, that has been late. My available credit went from {$7400.00} down to {$3000.00} without any type of notification that my payment was missed or that they would be decreasing my credit limit. This was immediately put onto my credit report and shows now that my credit usage on this account is 97 % and dropped my credit score by 14 points.

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 2018-06-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/18 I made a purchase on my credit card in the amount of {$61.00} for a company called XXXX XXXX. I learned today the company is out of business and is ceasing operations. I had an order for chicken to be delivered but since the company is out of business it will not get delivered. I would like to also add that the representative would not let me explain is that XXXX kept delaying my order so my intention was to cancel because I will not be available to pick up on that date. Again because the company is out of business I can not contact them - their phones are shut down. So Bank of America advised me Im just supposed to wait around- this is my money that has been held up. Im really frustrated with Bank of America just not listening to the full story. I use this card for the low rate but no more. I for once just want them to be on the side of the consumer. I am not done with this and I will not lose my money over BofA not listening to the customer. I did hang up on the representative because I was tired of her talking over me it was clear I was getting no where.

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 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with XXXX to XXXX, transunion drop 30 in 2 weeks and same with XXXX. I do believe that i am being unfairly targeted.

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 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with XXXX to XXXX, XXXX drop 30 in 2 weeks and same with equifax. I do believe that i am being unfairly targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: F.H. Cann & Associates, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX - called me at work regarding debt. I explained in detail that I am at risk of losing my job if I am contacted at work re : debts.

XX/XX/XXXX - called at work again, told caller that I can not accept calls at work and to please stop calling. I was told it would not happen again.

XX/XX/XXXX- called at work again, again asked them to stop calling me at work.

XX/XX/XXXX- called at work.

JXX/XX/XXXX- spoke with agent calling regarding debt. Told her that I have asked multiple times to not be contacted at work, asked if it was legal for her to continue to call me at work after that request. She transferred me to manager. Manager said that he didn't see any notes saying that I couldn't take calls at work. Said he would just remove ALL of my phone numbers ( including my cell ) and if I wanted to pay my bill then I could contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My dispute XXXX for {$110.00} has been open since XX/XX/2018 without an update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute to Equifax ( along with XXXX  and XXXX   ) over a collection debt that was already paid. Here is the 10 Digiti Confirmation Number : XXXX for the dispute with Equifax. 

I have made several attempts to view the dispute status online and am unable view it. Their system is unable to provide me with access to the dispute center so I can view the status of my dispute. I believe their front-web programming team needs to investigate the techical glitches with their website. 

On two occassions, when I was able to access the Dispute Center and went through their verification process, the information Equifax used was not relevant to me. Since the information was not relevant to me, I was unable to access the online Dispute Center. Please make sure they are mixing my information up with my uncle that has the same name ( his middle name has the same initial but, is different from mine ) as I do. My uncle, XXXX XXXX XXXX, age XXXX, lives on XXXX XXXX XXXX, XXXX, Massachusetts. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
Rushmore Loan Management Services ( will now abbreviate as RLMS ) is sending people onto my property to leave notices on my front door. I am the property owner. I do not currently, nor have I ever had any business or accounts with RLMS. No one currently living at my address has or has ever had any business or accounts with RLMS. I have contacted RLMS on three separate occasions to inform them of this. I have specifically notified RLMS that any future visit to my property is unwelcome and will be considered trespass. RLMS has visited my property no less than two more occasions since I have first notified them of this. On each subsequent visit I have again contacted RLMS to inform them that no one living at the address has any account or business with RLMS, I have requested that the visits cease, and I have informed them than any future visit will be considered trespass. I have video and physical evidence to substantiate the continued unwelcome visits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
there is alot of stuff on there and i have called the companies and advised them there is no way that was me someone used my info i was in prison and then a half way house for 3 years in XXXX, fl

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I received a notification on my Experian Credit Report on XX/XX/2018 that one of my creditors had decreased my limit on my XXXX 's credit card. I was not notified of this before the action took place. I had missed a payment by 8 days and paid it immediately when I found out that I had missed said payment. My payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX. This is the first payment, in the 4 years that I have possessed this line of credit, that has been late. My available credit went from {$7400.00} down to {$3000.00} without any type of notification that my payment was missed or that they would be decreasing my credit limit. This was immediately put onto my credit report and shows now that my credit usage on this account is 97 % and dropped my credit score by 14 points.

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 2018-06-26 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: Receivables Management Partners, LLC
State: FL

Complaint narrative:
there is alot of stuff on there and i have called the companies and advised them there is no way that was me someone used my info i was in prison and then a half way house for 3 years in XXXX, fl

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
there is alot of stuff on there and i have called the companies and advised them there is no way that was me someone used my info i was in prison and then a half way house for 3 years in XXXX, fl

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I HAVE CALLED THE CREDIT AGENCIES AND THE COLLECTION AGENGIES TO HAVE THESE REMOVED THEY ARE NOT MINE AND I EXPLAINED TO THEM IT IS FRAUD. I HAVE HAD MY SS #, MY ID ALL MY BANK STUFF STOLD AND I KNOW MY INFO IS BEING USED. I HAVE ONE THING THAT SHOULD BE ON MY CREDIT AND THATS XXXX XXXX, I HAVE NOT EVEN APLLIED FOR ANYTHING IN OVER 10 YEARS OR GAVE MY SOCIAL TO ANYONE BUT XXXX XXXX, XXXX AND MY HOUSE I RENT. NOW MY CREDIT IS RUINED BECAUSE OF THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
A utility bill was placed in my name fraudulently. I spoke with company representatives several times over course of few weeks. This was about between XX/XX/XXXX-XX/XX/XXXX. Eventually they ask me to pay debt, {$100.00}, and they would notify gas company and then remove collection from my credit files. But after I did, the supervisor did not honor this promise and was rude about it. They did nothing to rectify situation even after debt was now paid and refused to remove collection, which I told them was not mine. I have been disputing this information for a long time now with the credit bureaus but the collection company just keep updating it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
I HAVE CALLED THE CREDIT AGENCIES AND THE COLLECTION AGENGIES TO HAVE THESE REMOVED THEY ARE NOT MINE AND I EXPLAINED TO THEM IT IS FRAUD. I HAVE HAD MY SS #, MY ID ALL MY BANK STUFF STOLD AND I KNOW MY INFO IS BEING USED. I HAVE ONE THING THAT SHOULD BE ON MY CREDIT AND THATS XXXX XXXX, I HAVE NOT EVEN APLLIED FOR ANYTHING IN OVER 10 YEARS OR GAVE MY SOCIAL TO ANYONE BUT XXXX XXXX, XXXX AND MY HOUSE I RENT. NOW MY CREDIT IS RUINED BECAUSE OF THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I HAVE CALLED THE CREDIT AGENCIES AND THE COLLECTION AGENGIES TO HAVE THESE REMOVED THEY ARE NOT MINE AND I EXPLAINED TO THEM IT IS FRAUD. I HAVE HAD MY SS #, MY ID ALL MY BANK STUFF STOLD AND I KNOW MY INFO IS BEING USED. I HAVE ONE THING THAT SHOULD BE ON MY CREDIT AND THATS XXXX XXXX, I HAVE NOT EVEN APLLIED FOR ANYTHING IN OVER 10 YEARS OR GAVE MY SOCIAL TO ANYONE BUT XXXX XXXX, XXXX AND MY HOUSE I RENT. NOW MY CREDIT IS RUINED BECAUSE OF THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
ditech said i owe back payments talk to a lady and made a deal to catch up on payments so i been making extra payments.but i keep getting letters from them that i haven't made any payments an i get conflicting letters telling me different amounts i still owe them.the lady is rued on the phone they do not know want they are doing it seams to me they just want my house and keep telling me there are going to foreclose on me.i don't know what to do anymore i am stressed out about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
credit inquiries made that I didn't consent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX I reviewed my XXXX consumer credit report and discovered CHASE CARD had requested my consumer report on XX/XX/XXXX with out my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 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: TX

Complaint narrative:
To whom it may concern, I sent a multiple inquiry removal to Equifax on XX/XX/2018 as well as called Equifax on 2 separate occasions XX/XX/18 and XX/XX/18 in order to dispute information, in regards to several inquiries that were reporting on my credit report. After I spoke with a representative on XX/XX/2018, she stated the inquiries would be deleted due to being unauthorized. I received notification the next business day on XX/XX/2018 that the investigation was completed ( after only 1 business day ). I again called on XX/XX/18 and was given a confirmation number. I called immediately after to check the status using the confirmation provided and was told the investigation was completed. This was within 5 minutes of the call!!! The request included 12 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 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. How are they factual when I have contacted the creditors as well and they have no account. Furthermore, they have no knowledge of me doing business with them. The fact that I received a response 1 business day after 1 call, and 5 minutes of another call, one can assume that no investigation was done into the matter. Please remove these inquiries from my credit report. I have no knowledge of them, I did not sign anything, nor do I have any accounts attached to them. I'm planning to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble which is not the case. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of the consumer.

Delete the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   )

Company response to consumer: Closed with explanation