vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have no acknowledgement of this account. I have never received a bill an account opening letter, NOTHING!! The original company is XXXX. In which I have requested that I receive documented prove that I Myself opened this account. I am aware that proper Identification is requested at time of purchase of any cell phone service. And now Diversified Consultnts claims I owe {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08 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: FL

Complaint narrative:
There are inquiries that I did not authorized on my report. I called TransUnion and E-mail and sent letter to them. I gave them the police report number for the case. XXXX XX/XX/2016 XXXX XXXX XX/XX/2016

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 2017-07-08 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: NJ

Complaint narrative:
This compliant is against XXXX XXXX I have disputed this account that is currently listed on my credit report. I sent a mailed correspondences to XXXX XXXX and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with XXXX and I have asked them to verify the proof that I owed the debt. <P/>When I dispute these items with Experian, XXXX & XXXX the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA. <P/>Currently the furnisher XXXX XXXX is reporting false information for example : The date open reports XX/XX/XXXX Date of 1st delinquency XX/XX/XXXX Date of the 1st major Reporting XX/XX/XXXX How can the account 1st delinquency which is XX/XX/XXXX, occur a year before the account open in XX/XX/XXXX. <P/>This information is false and I have requested all three 3 credit bureaus Experian, XXXX and XXXX  to delete the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
They capitalized interest 7 times betwe en  XX/XX/XXXX  and  XX/XX/XXXX  which resulted in an additional {$4000.00} plus being owed on my private loan. I  have qualified for a rate reduction several times since then. When out of the reduced rate program they have increased the interest rate enough to cover the reduced rate plus. My previous rate was 1 %. My current interest rate in 11.75 %. Prior to this my interest rate was 10.75 %. So its not really reduced if they are recouping it after. I initially borrowed {$6000.00}. I owe now  XXXX . They are making 100 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been with Navient since they switch from  XXXX   XXXX  and I was getting random emails saying that my Forbearance request was approved. I have not request any Forbearance from Navient. I have also paid a ( personal ) loan with  XXXX   XXXX , and paid it off, and provided them the proof payment for it, and their still requesting me to pay it. I have recently reached out for help with   XXXX   XXXX   XXXX  , now I see a list out that this is a bad company too. I 'm so confused on what to do. I will be in debt for ever it seems, this all started in    2005  now I have a home and it will be paid off before these consolidated student loans. Or the ( private ) loans. There is always a brick wall with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XXXX XXXX has a fraudulent account listed against my credit file with the credit bureaus. The account they have listed against me was opened as a result of identity theft, where my correct personal information was used to open a utility account in my name fraudulently. This account is however not under my social security number, yet it is still listed on my credit file. I have contacted XXXX XXXX to make them aware that this was a fraudulent account and was yelled and screamed at by one of their agents, and they refused to remove the account from my credit files. I have never done business with XXXX XXXX, the person who placed this account with Convergent, nor have I done business with XXXX XXXX. This account is 100 % fraudulent and Convergent has refused to cooperate in having this fraudulent account removed from my credit file and continue to attempt to collect on a debt they have been made keenly aware is fraudulent.

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 2017-07-08 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: NJ

Complaint narrative:
This compliant is against XXXX XXXX I have disputed this account that is currently listed on my credit report. I sent a mailed correspondences to XXXX XXXX and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with XXXX and I have asked them to verify the proof that I owed the debt.
<P/>
When I dispute these items with XXXX, Transunion & XXXX the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA.
<P/>
Currently the furnisher XXXX XXXX is reporting false information for example : The date open reports XX/XX/XXXX Date of 1st delinquency XX/XX/XXXX Date of the 1st major Reporting XX/XX/XXXXHow can the account 1st delinquency which is XX/XX/XXXX, occur a year before the account open in XX/XX/XXXX.
<P/>
This information is false and I have requested all three 3 credit bureaus XXXX, XXXX and Transunion to delete the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XX/XX/XXXX, I purchased a home at XXXX XXXX XXXX XXXX in XXXX, Maryland XXXX. This was my dream home and I had no intention of ever moving again. Unfortunately, my dreams were short lived and shattered. First the title company failed to inform me that that would be an additional XXXX County tax added to my regular property taxes after a period of one to two years into the mortgage. When this additional tax was added to my mortgage, I could no longer make the payments and fell behind in my payments. In XX/XX/XXXX CHASE proceeded to harass me with foreclosure notices, even calling me on Sundays threatening me. I pleaded with CHASE to help me remain in my home. Finally, CHASE said they would consider a modification to my loan but I would need to submit {$3000.00} in order for them to do the modification. I only had {$3000.00} because I had recently had to pay funeral expenses for both my mother and grandmother. Although this was all the money I had, I was happy to send it because I assumed CHASE was going to help me remain in my home. I was sadly mistaken. CHASE notified me that they were not doing the modification, kept my {$3000.00} and WENT UP ON MY MORTGAGE BY {$10.00}. CHASE NEW IN ADVANCE THAT THEY HAD NO INTENTION OF MODIFYING MY MORTGAGE AND YET TOOK ADVANTAGE OF ME BY REQUESTING AND KEEPING MY {$3000.00}. I FEEL CONFIDENT THAT CHASE HAS DONE THIS MANY TIMES TO VULNERABLE HOMEOWNERS. I SEE CHASE AS A CORRUPT, GIANT, FINANCIAL BULLY THAT NEEDS TO BE BROUGHT TO JUSTICE. I recently found out that banks do not lose money when homeowners default on their mortgage loans as banks have insurance on mortgage loans. This means the bank is paid twice for a home, once from the insurance company, and then again from situations like mine, where I was able to successfully complete a short sale. A realtor suggested that I attempt a short sale to prevent having a foreclosure status listed in my credit report going forward. Sadly, this is what I did, and was able to sell the home for an amount that Chase accepted. Losing my home defeated my spirit and broke me as a person. I still have not recovered from my loss and I know I never will. I became ill shortly after the short sale with XXXX XXXX XXXX and was forced to retire, live on a monthly benefit payment, move into rental housing that I absolutely hate. CHASE should not be allowed to get away with this crime. I literally was robbed of my home as CHASE could have helped me remain in my home. They knew before they took my money that they had no intention of granting a modification. How many others, like me have had to be treated this way. I just can not believe CHASE should be allowed to treat me and others this way. CHASE should be brought to justice. Please help me to remedy the disservice CHASE did to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
Fifth-Third Securities Brokerage Account XXXX, Ohio XXXX XXXX Investment executive, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. OhioXXXX XXXX XX/XX/XXXX Deposited in CD XXXX. Contained a basket of 10 stocks issued thru XXXX XXXX XXXX. To receive annual payment based on the average performance of 10 stocks. Listed below XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( acquired by XXXX XXXX ). Never received explanation of fees or stock performance. We have received no payout or an explanation of why no payout. A market transaction fee of 4 % 3 % 2 % and 1 % have been applied. This investment has resulted in XXXX return ( not 1 Dollar ) in over 5 years. We have called XXXX XXXX and we have received no satisfaction, except inXX/XX/XXXX we may get our XXXX  dollars returned. There has been a bull stock market for the duration of this CD. A total misrepresentation by 5/3th bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX and in XX/XX/XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX  filed a 1099-C notice with the IRS in XXXX declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XXXX tax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit.
<P/>
XXXX XXXX has refused to 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
Consumer complaint received 2017-07-08 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to 1 of the credit bureaus. This is awful. I asked them why not all 3 of the agencies, they do n't want to pay fees. I thought my credit score was 860 or 900 since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: OH

Complaint narrative:
I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to XXXX of the credit bureaus. This is awful. I asked them why not all XXXX of the agencies, they do n't want to pay fees. I thought my credit score was XXXX or XXXX since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. 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 2017-07-08 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: CA

Complaint narrative:
On XX/XX/XXXX and inXX/XX/XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX  filed a XXXX notice with the IRS in XX/XX/XXXXdeclaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XX/XX/XXXXtax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit.
<P/>
XXXX XXXX has refused to 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
Consumer complaint received 2017-07-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX   REFI home   XXXX   XXXX   XXXX   XXXX  interest only and  XXXX   Harris bank HELOC 10yr w/balloon. Market crash  of  XX/XX/XXXX ,  XX/XX/XXXX  went under,  XXXX  now has first , Harris became BMO Harris. Tried to REFI could n't, too far under, nearly every 2 yrs same answer different banks. Balloon payment due on HELOC, jumped through several hoops for BMO. Now they are done trying and want to  short sale. House appraisal still about  XXXX  under loan values. Called  XXXX  to inform them about Short Sale and see if they would consid er REFI 1st, s aid they could n't, just a collection agency. So I have a gripe with both BMO and  XXXX . I just checked  XXXX   XXXX  and my credit scores were  XXXX  and  XXXX , I 'm also a veteran but that did n't matter to anyone.

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 2017-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NV

Complaint narrative:
I applied and was approved for a fidelity credit card. Promotion stated that if I spent {$1000.00} in three months, they would credit me {$100.00} into a fidelity account. I did spend more than {$1000.00} in three months. I called the credit card and company and was advised the credit card I applied for did not have the offer.
<P/>
The only reason I applied for this credit card was because of the offer. Now they do not want to pay up?

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 2017-07-08 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: CA

Complaint narrative:
Experian,  XXXX  and  XXXX  credit bureaus continues to list   XXXX   XXXX   XXXX    XXXX  delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However, Experian,  XXXX  and  XXXX  credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.

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 2017-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX and Transunion credit bureaus continues to list XXXX XXXX XXXX XXXX delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However, XXXX, XXXX and Transunion credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.

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 2017-07-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX , Equifax and  XXXX  credit bureaus continues to list   XXXX   XXXX   XXXX    XXXX  delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However,  XXXX , Equifax and  XXXX  credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On all  XXXX  credit agency reports, it is listed that I filed Chapter  XXXX  bankruptcy on  XXXX -2013. I have filed a dispute with all  XXXX  agencies several times and they have come back with the decision that the information is accurate.   XXXX  It is NOT accurate as I filed a Chapter  XXXX  bankruptcy on that date and NOT a Chapter  XXXX . If they truly did investigated the dispute, they would have found this information was inaccurate and should have been removed from my credit reports.   XXXX  However, I do not believe that it was investigated, and this is fradulent activity on the credit reporting agencies part.   XXXX  I would like this bankruptcy information on that date removed immediately.   I have the paperwork of what type of bankruptcy was filed and am able to provide that to prove that this is inaccurate and should be removed from my credit report.   XXXX  Thank you

Company response to consumer: Closed with non-monetary relief