vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
hi I 'm on payment program with American express from XX/XX/XXXXthey setup the payment to be withdrew automatically from my XXXX account every month i just receive a letter from them says I 'm no longer on this program i try to speak to them on the phone why they cancel it they tolled me sorry we do not have access to your account no more and they send the balance to a collection agency, upon check my XXXX account today i found they stop to withdrew the payment last XX/XX/XXXX they did not call me or send me any notice for why they stop taking the payment and why they cancel me from this payment agreement, I 'm enrolled in auto-payment since i start this program i never cancel it, and onXX/XX/XXXX i did call you to ask if i need to renew the auto-payment the representative tolled me no i do n't need too its been setup till the balance payed off ( check my call recored with you ) and you did verify my phone number and email address on this call. no one tolled me i have enrolled again since I 'm already enrolled on this program and because you tolled me when i setup this program with you the system will automatically send you statements and balances and notification even if the account closed and I 'm on payment program, i did not receive any calls from you about any change on our agreement and i just call you less on month of your notice onXX/XX/XXXX so i assume this is automatically from you system as you tolled me account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 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: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$720.00} with XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
OnXX/XX/XXXX as previously before I disputed the accuracy of the late payments in my credit file in regards to the Navient accounts on my credit file. Navient keeps verifying the information is accurate without providing me with documentation. Complaint I am a prior service member and I was charged more than 6 percent on my loans. It was my understanding that my loans would be in hold as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: I.C. System, Inc.
State: AL

Complaint narrative:
Please remove this from my credit reports. This is not my debt!!!!!
I.c. Systems, Inc. XXXX XXXX XXXX posted a collection Amt of {$180.00} alledgedly reported opened in XXXX 2016. This is causing me a great deal of unnecessary XXXX & damaging my credit!

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 2017-07-07 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I currently have an open complaint against ChexSystems. It appears that ChexSystems attempts to circumvent the law and/or just shows complete disregard for what a consumer facing identity theft attempts to explain to them. Chexystems responded to one of the complaints about the fraudulent address on my ChexSystems file telling me that they will refuse to remove the address because I used the address to order a ChexSystem report. The is incorrect. If ChexSystems sent a report to that address than ChexSystems has contributed to the identity theft and helped someone commit a criminal act. I did not order my ChexSystem report rather I was told by a financial institution that I was disputing information with that I should contact ChexSystems because chances are fraudulent information was being reported by them. I am thankful this is all in writing and being recorded through a government agency because now ChexSystems has admitted being complicit in online 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 explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On
XX/XX/XXXX 2017, Chase Bank NA sent me three separate letters saying that my three chase consumer credit cards ( all with balances of {$0.00} ) had been closed due to : 1 ) Rapid Increase in revolving balances 2 ) Too many accounts opened recently and 3 ) Too many requests for credit or / reviews of credit.
<P/>
They have refused to re-instate my cards, and what is more of a problem for me is that on one of my accounts the Chase XXXX XXXX Credit Card ending in XXXX they have refused to pro-rate a refund of the annual fee of {$450.00} which was paid in XX/XX/XXXX of this year, since I have barely gotten 6 months of use out of this card I do not see it as being fair that they refuse to provide me with a pro-rated refund of the annual fee OR to re-open that account so I can enjoy the card benefits for the full 12 months.

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

Complaint narrative:
I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX , XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX , XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX-XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX., XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX. XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXXXX/XX/XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have researched and backtracked my loans from XX/XX/XXXX to present. Between XX/XX/XXXX-XX/XX/XXXX I was having a hard time making payments at the amount suggested by XXXX XXXX and Navient. I had a job that was not paying much but I made an effort to be able to pay a certain percentage of my loan. Instead I was told by the service that I had forbearance that I could use to where I did n't have to pay at the time. I do not have any recollection about any one explaining that my loans would still gain interest during these times. I was setup to use all my forbearance and would later, which is now, suffer trying to pay a XXXX/month student loan payment on a XXXX XXXX salary. With all my forbearance unavailable by the time I was XXXX I missed over 100 payments due to hardship. Those missed payments could have been used towards The Public Service Forgiveness Program. Keeping me in forbearance for such along time gained Interest for the Company. Once forbearance was over I started to receive numerous calls from Navient about my outstanding loans. I was also told that my payment would be spread throughout all my loans but that has not happened which some loans have gained not received payments, therefore posted a late payment on my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
I received a billing statement ( XX/XX/2017 ) about a loan that was taken out in my name. The company is " Majestic Lake Financial ''. The letter insinuated that the company had been corresponding with me but I had never even heard of this company until the statement was opened. Curiously, the bill was lacking an amount owed, requesting me to call for a billing amount. I called the company ( XX/XX/2017 ) and the representative ( XXXX ) informed me that a loan had indeed been taken out in my name in XXXX of 2017, no exact date. I called back later that day to get more details about the loan and was uncomfortable with the line of questioning. The person on the phone was asking me personal questions such as birthdate, SSN. I refused to give my SSN. I pulled a credit report ( XX/XX/2017 ) and " Majestic Lake Financial '' does not appear anywhere on my credit, no inquiries or listed open/closed account. As of ( XX/XX/2017 ) I have filed a police report at my local police station.

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 2017-07-07 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: NJ

Complaint narrative:
I have over 15 Inquiries that were not authorized by me. I have reached out several times in reference to the inquiries and it seems like I am going in circles and I would appreciate some assistance, Please! I have also added a fraud alert on all three credit bureaus for a third time. customer service would not help and take care of the negative inquiries reporting to my credit report.

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 2017-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This complaint is about Transunion credit bureau. I was tried so many times to talk with this company about my credit report.they are reporting a bad credit score. They improperly used and shared with unknown companies with out any information.becasue of this bureau I have faced lot of problems here in USA. Last month it was XXXX my credit score. This after paid couple of transactions they decreased my credit score to XXXX They are fraud reporting my credit. They are mis using the law. They are cheating customers as well as us 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 2017-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: DriveTime
State: NV

Complaint narrative:
On XX/XX/XXXX, 2017, I purchased a used vehicle from DriveTime. Unfortunately, after driving off of the lot, my cousin wrecked into the back with the other car. However, I was covered through my insurance and Gap on the dealer 's end, but the financial summary is not matching up to what they are saying. The car was quoted to be valued a little under 10k. I put XXXX down, but financed the remaining amount of XXXX. The loan included warranty, gps services, and maintenance service. None of which I was able to take advantage of since I had the car for only 20 minutes. My insurance is paying over 7k to cover the majority of the remaining balance and Gap will cover the rest. However, as I pointed out to the dealership, the money I paid towards the entire loan should have included many of the services I did not receive. My insurance company also agrees and advised that the dealer should reimburse me for a portion of these expenses. They have even taken a car payment from the bank they go through, which XXXX, a loan agency hired by DriveTime is behind a some of this financing arrangement. The dealership us refusing to cooperate and was extremely rude. I am left with nothing and am hoping you can help.

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 2017-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
OnXX/XX/XXXX I received a written notice of the claimed debt, a copy of which is attached. On XX/XX/XXXX, I sent a letter to Rash Curtis and Associates in response to this notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim is disputed and validation is requested. As of XX/XX/XXXX I have not received any written correspondence from your firm with validation of alleged debt.
<P/>
On XX/XX/XXXX, I applied for loan and received a copy of my credit report from XXXX credit reporting agency. Included in that report was the following incorrect information the firm reported : RASH CURTIS & ASSOCIAT XX/XX/XXXX PAST DUE {$2500.00} # XXXX XXXX XXXX XXXX XXXX  BY XXXX XX/XX/XXXX XXXX MEDICAL PAYMENT DATA CREDIT GRANTR CAN NOT LOCATE CONSUMER MEDICAL ACCOUNT IN DISPUTE PAYMENT DATA As a result of this reporting my credit score was damaged and my ability to pursue further loans has been delayed until this reporting has been removed. Reporting this activity with out validating debt per my request within 30 days is a violation of the FDCPA Section 809 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: SC

Complaint narrative:
I received a letter from a collection company called Hunter Warfield on XXXX XXXX of this year. They listed an arbitrary sum from a former landlord who repeatedly failed to fulfill their duties as a landlord under North Carolina State law. The landlord had harassed my family before sending this to a collection agency. <P/>I did some research on the internet and using your website realized I could dispute the charges and make them provide relevant information. I talked to Hunter Warfield around XXXX XXXX on the phone about the charges and told them I was going to dispute the charges. They said it did n't matter and they could still report me to the credit bureaus. <P/>On XX/XX/XXXX I sent Hunter Warfield a letter disputing the charges and CC 'd the Department of Justice in North Carolina ( creditor location ), South Carolina, and Florida. I pointed out in the letter is was illegal for them to report me to the credit agencies, hence CCing the DOJ. I also requested they mail me : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in North and South Carolina. <P/>On XX/XX/XXXX, the NC DOJ wrote me back and thanked me for reporting Hunter Warfield. Hunter Warfield never responded to my dispute letter and reported me to XXXX and XXXX onXX/XX/XXXX. I learned that they had reported me on XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: GA

Complaint narrative:
I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/

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 2017-07-07 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: GA

Complaint narrative:
I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXXXX/XX/2017  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017  XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXXXX  XXXX XXXXXX/XX/2017 XXXXXX/XX/2017

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 2017-07-07 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: PA

Complaint narrative:
This complaint is about XXXX credit bureau. I was tried so many times to talk with this company about my credit report.they are reporting a bad credit score. They improperly used and shared with unknown companies with out any information.becasue of this bureau I have faced lot of problems here in USA. Last month it was XXXX my credit score. This after paid couple of transactions they decreased my credit score to XXXX. They are fraud reporting my credit. They are mis using the law. They are cheating customers as well as us 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 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NC

Complaint narrative:
On X/X/17 I applied at XXXX to purchase a vehicle, once approved and ready to take the final background Quiz, done through the public information system ( LEXISNEXIS ), my last name was spelled wrong by one letter. Upon calling and going through the automated messages I finally got through to the proper department. They told me the best they could do was file an investigation into the matter and would not put me through to a supervisor. They said the investigation would take 40-60 days and hung up at XXXX because the woman said the office was closing.

Company response to consumer: Closed with explanation