vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have disputed this particular debt with National Credit Systems twice in XXXX and XXXX. They continue to send the same letters ( word by word ) and fail not to respond to any of the questions I included in my dispute and is stating this account is paid in full but is negatively impacting my credit report. First and foremost, I do not recognize this debt AT ALL and not aware as to why they are collecting. In both of my dispute letters, I have asked for the following : *The original application or contraction *Any and all statements allegedly related to this debt They have FAILED to provide any of the documentations in both dispute letters. This collection is inaccurate and is a MAJOR VIOLATION of the FCRS and FDCPA. I have asked for this debt to be deleted due to non-sufficient proof, but it is still negatively impacting my credit score and not able to provide a better life for my family. Please investigate this and I demand for this information to be deleted as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reported multiple errors on my credit report including XXXX XXXX XXXX for {$5600.00} and XXXX XXXX XXXX for {$2500.00} The first dispute was done on XX/XX/XXXX and a second XX/XX/XXXX ... Both of which are still under investigation with Equafax with no response and no follow up. Please help It is far past the 30 day creditor response deadline and this information is not correct. This error in question is preventing me from being able to get another home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) TRANSUNION/XXXX/XXXX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.

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 2017-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) XXXX/XXXX/EQUIFAX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NY

Complaint narrative:
Please see company response as said facts : Based upon the supporting documentation XXXX XXXX provided in his fourth complaint with your office, XXXX XXXX XXXX disputes the address and drivers license state associated with the claim dated XX/XX/2013 listed on his XXXX XXXX Auto report. Please be aware that the drivers license listed on a claim refers to the drivers license number at the time the claim was made. In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a new dispute of the claim mentioned above. During the investigation, XXXX XXXX XXXX confirmed that the address for the reported claim XXXX XXXX XXXX, XXXX XXXX, XXXX is accurately associated with both XXXX XXXX and with the claim in question. Further, while XXXX XXXX has indeed provided a copy of his current XXXX XXXX State drivers license, XXXX XXXX XXXX confirmed that XXXX XXXX previously resided in XXXX XXXX and insured a XXXX XXXX on a policy they underwrote at the time of the claim in question. Given this verification, LexisNexis is unable to remove the claim in question from XXXX XXXX XXXX XXXX Auto report. If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
- In XXXX or XXXX of XXXX, I received a promotional mailer from Barclaycard that offered XXXX XXXX miles for spending {$2500.00} or more per month between XX/XX/XXXX and XX/XX/XXXX ( see attachment ) - I registered for this promotion using promo code XXXX at XXXX by XXXX XXXX and then completed at least {$2500.00} in purchases for the six required months ( see attached statements ) - The terms promised that miles would post to my account in XX/XX/XXXX. They did not post, so I sent Barclaycard an e-mail on XX/XX/XXXX to request an update. They advised me that they would open a case and Id hear within 30 days ( see attachment ) - On XX/XX/XXXX I followed up with Barclaycard because I hadnt heard back. They advised me that my case had been closed and that no miles were awarded. They did not provide an explanation ( see attachment )

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 2017-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As of X/XX/2017 Chase bank is making demands of payments at the close of my escrow. I had to sell my home as chase bank gave me no other option but a short sale or a deed in leu of foreclosure. I have equity in my home and never agreed to either of these options chase bank gave to me. I initially was not served properly the non judical foreclosure document which was filed in XXXX XXXX county, CA. Therefore, the XXXX estamated Attorneys fees to chase are null in void. Corporate Advances to Chase in the amount ofXXXX are null and void. All interest per demand will need to be negotiated as Chase is asking for XXXX, XXXX. Among other fees. Escrow balance advance in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reported multiple errors on my credit report including XXXX XXXX XXXX for {$5600.00} and XXXX XXXX XXXX for {$2500.00} The first dispute was done on XX/XX/XXXXand a second XX/XX/XXXX ... Both of which are still under investigation with XXXX with no response and no follow up. Please help It is far past the 30 day creditor response deadline and this information is not correct. This error in question is preventing me from being able to get another home.

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 2017-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
Midland mortgage miss manage my payments from XX/XX/XXXX though XX/XX/XXXX and SAYING MY HOUSE IS VACANT, now they are threatening to foreclose on my home, If I do n't send them XXXX by XX/XX/XXXX. I do n't owe them payments I mail those payment out to midland mortgage, THEY received the checks, and the checks cleared. I even fax them the copies of the checks. They are stressing me out and I get the run arounds when I call. ALSO no one could tell me were the money is. SINCE those checks cleared. RETURN THE MONEY. I think something FRAUDULENT is going on with Midland Mortgage and they should compensate ME IN THIS MATTER. ALSO ANOTHER MATTER YOU SHOULD LOOK INTO XXXX XXXX reason why, I had a claim on my house back in XX/XX/XXXX they found asbestos, THE CLAIMS adjuster recommend that I go with a company THAT DOES THAT TYPE OF WORK FOR THEM ALL THE TIME IN THESE CASES. THE NAME OF THE COMPANY IS XXXX XXXX XXXX. THEY LEFT MY HOUSE A MESS, DUST AND PARTICLES EVERYWHERE, THEY LEFT PIECES OF XXXX TILE ON THE FLOOR AND IN THE AIR DUCTS THEY DID NOT CLEAN THE FLOOR ADHESIVE CALLED XXXX XXXX INSTEAD THEY COVER IT UP WITH SOME KIND OF PAINT EXPOSE ME AND MY FAMILY AND MY FURNITURE TO XXXX WHEN THEY SAID THEY WERE FINISHED, SO WE CONTACT THE STATE TO INSPECT OUR HOME, THE FINDINGS WERE CONCLUSIVE, POSITIVE, XXXX IN THE HOUSE.WE HAD TO GET ANOTHER CLEANING CREW. WE BLAME XXXX XXXX. COMPANY FOR RECOMMEND US A CONTRACTOR THAT WAS UNSUITABLE TO DO THIS PARTICULAR TYPE OF JOB, EXPOSING US TO XXXX. THE CONTRACTOR RECEIVED TWO VIOLATIONS. SO WHY DID XXXX CLAIM ADJUSTOR AND XXXX XXXX XXXX CONTACTED MY MORTGAGE COMPANY TO RECEIVED A PAYMENT FOR A JOB THAT WAS N'T COMPLETE, BOTCHED UP, AND INCOMPETENTLY DONE, AND IN DANGER ME MY SON, MY FIANCE AND HIS SON WHICH PUT OUR LIFE IN DANGER BY INHALING PARTICLES OF XXXX IN OUR XXXX ALSO I RECEIVED A LETTER FROM MIDLAND MORTGAGE SAYING THAT XXXX ISSUED A CHECK IN MY NAME IN THE AMOUNT OF XXXX AND THAT MIDLAND WAS NOT TO BE INCLUDED AS A PAYEE WHICH I HAD NO KNOWLEDGE OF THIS CHECK I AM VERY CONCERN THAT THIS IS FRAUDULENT AND THAT I AM BEING SCAMED.CAN YOU PLEASE DIRECT ME TO THE RIGHT ATTORNEY, I NEED 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 2017-07-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is reporting a bankruptcy on my credit report with the incorrect docket number that they have failed to verify. I sent a letter informing them to verify the bankruptcy not just stating that its " verified ''. I also enclosed a letter where the bankruptcy court stated they do not verify bankruptcies with the credit bureau. Experian violated my rights as a consumer.

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 2017-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Debt owed to XXXX of {$110.00} was paid in full to XXXX XXXX. Prior to payment of debt directly to XXXX, debt had been sold to Diversified Consultants. XXXX updated with Diversified Consultants that debt had been paid. I disputed with XXXX to have Diversified Consultants account deleted from credit report XXXX and XXXX. I spoke with Diversified Consultants XX/XX/XXXX to inquire why the account had not been removed. Diversified Consultants stated that though account was paid in full directly to XXXX and that account had been given back to XXXX that they had to have authorization from XXXX to remove from credit report and for me to speak with XXXX. I called XXXX and was told that CSR from Diversified Consultant was misleading and that account should have been removed from my credit report and as I am good standing that there is nothing on XXXX 's end that would prevent Diversified Consultants from removing the account from my credit report. I again called Diversified Consultants and told by another CSR that though debt is paid in full to original creditor that Diversified Consultants do not/ will not delete paid accounts and for me to consult a " credit expert ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
( Deposit depend on a certain of the ATM then XXXX XXXX. is cut off time ) Why does the ATM cash withdraws post before any transaction ( first when you have multiples transactions )? Next why is there a early cut off when cash with draws vs. making cash deposits with the ATM? We were told it is noting in writing but it the way your Credit Union look at the items. All Navy Federal Credit Union Board Members : My Civil Right have been violated by Navy Federal Credit Union! The purpose of this letter is to outline the facts of XXXX ( Manger or Supervisor of Navy Federal Credit Union ), XXXX XXXX has become her personal target! ( XX/XX/2017 ) It has been brought to my attention that XXXX has a special file with my name on her desk! It is my understanding that she has alerted every employed who tapes into my account to send all calls to her desk. I am on a list that she has personally target due to the fact of my race, age and XXXX. She has benefited from not waving fees that she knows that should not be on my checking account. As she stated the rules and regulation does vary, but after asking her to provide documentation of some of our concerns she stated she could not! Being hearing lost I was also able to tape record her statement. I prepared to proof the events that I was personal target after she hung up in my face! I called back and latter was told a lie that XXXX made certain statement to her. But XXXX was not on duty! So why did the Staff member lie about XXXX being on duty! Who took the call? Later she told me she talk to XXXX and XXXX a Manger, Several times I requested to speak with the persons. I was hold for over 15 minutes only to find out the true identity of the person which is ( XXXX XXXX ), was the person expressing her thoughts to the young staff member. XXXX did not want to talk to me after she hung up in my face! Was it true she gave out instruction on my file for no one to touch my account pass all calls to her personally. ( read her notes ) This is a true form of retaliation! Retaliation against a person with XXXX who filed a complaint with a government agency is unfair. Yes, I filed a complaint against Navy so to get back at me then to participate unprofessional behavior is unlawful. Did the CEO direct XXXX to target me or retaliate against me for what reason- my formal complaint. I am filing a complaint against Navy with discrimination, and requesting the Board to investigation my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: WI

Complaint narrative:
If you look at my payments and their effects on my XXXX XXXX Balance, you will notice they have been going down. For instance, for statement closing date XX/XX/XXXX, it was {$1900.00}. For the next statement, XX/XX/XXXX, it went down to {$1700.00}. The next statement, XX/XX/XXXX, it was {$1500.00}.
However, per the XX/XX/XXXX statement, despite there being no cash advances on my part, or even purchases, PenFed XXXX up my XXXX XXXX  balance to {$2700.00} - an increase to {$1100.00} or 74 % increase.
I called on XX/XX/XXXX and was on hold for a little over 12 minutes. I then e-mailed PenFed. I got a response that they would get back to me in 2 to 3 business days, but PenFed has not contacted me.

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 2017-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stellar Recovery, Inc.
State: LA

Complaint narrative:
Stellar Recovery recently reported a { {$210.00} } collection account on my XXXX credit report. Prior to this account appearing on my report, Stellar Recovery never supplied me with a notice of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jonathan C. Frank & Associates, LLC
State: FL

Complaint narrative:
The company Jonathan C Frank and Associates at the phone number XXXX has repeatedly contacted my parents at their home number AND personal cell number about a matter involving me that is " an urgent legal matter ''. I have no idea how they got my parents contact information but they have been harassing them and that is a violation of my privacy. Also, they have called my job as well and I have had to explain this to my HR dept. They contact my parents on XXXX XXXX, XXXX XXXX and XXXX XXXX. They contacted my job on XXXX XXXX and XXXX XXXX. They do not say what the matter is regarding only to say " It is an urgent legal matter ''. Like I am being wanted for XXXX! I have discussed this with my credit lawyer and he said we could sue but its best to just report a complaint first and see if that helps. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nations Recovery Center
State: CT

Complaint narrative:
I received a phone call that I was unable to answer on my cell phone no voicemail was left. Then I received a phone call on my work line and a message was left regarding a " personal business matter '' and left a reference number XXXX. I called XXXX XXXX back at XXXX ext XXXX. I called her and let her know on the recorded line that I was not giving her permission to contact me at work as I do not conduct personal business while at work which is why I could n't answer my personal phone when she tried to call. I also asked her to provide proof of the debt as I do n't believe I owe anything and if there is something it has to be over 6 years which in my state would be a time barred debt. I ca n't have this company calling me at work and I did n't feel comfortable providing my personal information ( address and social security number - even the last XXXX ) if I do not owe a debt. These people should not be able to contact people 's place of employment either. She told me a letter had already been sent and she would let her " client '' know that I said to mail me something. If she is attempting to collect the debt would n't the Client be Nations Recovery?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20 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:
I have a XXXX inquiry on my credit report. The XXXX account was finally deleted because it was never my account per the letter the bureaus recieved. However, the bureaus still are refusing to remove the inquiry after several attempts. The account was removed because it was never mine, so the inquiry should have followed. But I was given a flat out NO!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Control Services has been reporting to the major consumer credit reporting agencies that I have a delinquent auto insurance account. However, this is not something which I owe. I have disputed this account on the various reporting bureaus and it is being verified as accurate, despite me giving a thorough explanation of what happened. I discontinued my policy with XXXX XXXX XXXX because I no longer had owned a vehicle. I should think this common sense that I would not be paying to insure a car which I no longer owned, or any vehicle at all. XXXX was aware of this and said coverage would be cancelled. Now, it 's showing up on my credit as a {$970.00} unpaid collection. I never received a bill from them. I paid all of my bills on time, so I had a XXXX balance when I cancelled the service. There is no reason I should owe almost $ 1k. And there is certainly no reason my credit should be damaged by this erroneous charge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation