vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 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 have disputed unauthorized inquiries on  2 o ccasions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry   XX/XX/XXXX    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry   XX/XX/XXXX    XXXX   XXXX  Inquiry    XX/XX/XXXX     XXXX   XXXX     XXXX   Inquiry   XX/XX/XXXX    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry    XX/XX/XXXX      XXXX  Inquiry    XX/XX/XXXX   XXXX  I nquiry   XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX  CAP ONE  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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 have disputed unauthorized inquiries  on 2 occas ions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.     XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   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 2017-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
Jared Galleria of Jewelr y has been repeatly calling me. I receiv ed 5 calls in 15 minutes I spoke with someone 3 times and informed them that I had just spoke with someone.   This happened Thursday   XXXX   XXXX   between   XXXX   XXXX   -  XXXX   XXXX   cen tral standard time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , CA  XXXX  PH :  XXXX  I Have tried to resolve this matter but no respond to me nor the BBB are the  XXXX  Credit Bureau. Yet the  Collection Agency  did another inquiry on my Credit Report  XXXX   XXXX    XXXX  .     Although they provided the service for me, they failed to properly bill my insurance carrier, which is  XXXX . Instead, they billed my secondary insurance,  XXXX , which would only pay what  XXXX  does not. I have repeatedly tried to resolve this issue but no avail. Therefore, since it is not my fault for their improper billing with my insurance carriers I hereby disputes this debt in its entirety and demands that you immediately contact your collection agency and cease and desist from your collection efforts and to have your collection agency retract any of adverse reporting to the credit bureau regrading this matter. I was not notify about this bill before you sent it to the collection agency, which show your guilty

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Since XXXX 2017 my record with Citi Bank Corp. reflects that I am XXXX and closed my Sears card on Saturday XX/XX/XXXX I was informed in the Sears store of XXXX XXXX XXXX in XXXX XXXX XXXX XXXX that the system had rejected my card, To investigate today X/XX/2017 I call to the CitiBank and they informed me that its records showed that I had XXXX. I Investigate with the SS and with XXXX and in none this information appears. Citi Bank refuses to fix the error and demand a letter from the SS office. I am a XXXX veteran with a catastrophic condition and it is very difficult for me to go to the SS office. Citibank persists in keeping this false information in its files, which can hurt me in other financial and personal matters. I hope you can help me with this matter. 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 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellar Recovery, Inc.
State: WI

Complaint narrative:
Hello, I have a {$62.00} account from  XXXX  for a final bill currently in collections with Stellar Recovery. I was about 1 month late for paying the bill to  XXXX  and  XXXX  apparently put my account in collections. I was not aware of this, but began making smaller payments to  XXXX  for 2 months in a row once I was able to. The day I found out about my collection via  XXXX   XXXX , I contacted the collection agency. I wanted to do a pay for delete, as I was never notified of my account going into collections. The collection agency said they give a grace period after sending out notification of collections before reporting, therefore, they do n't do pay for delete. However, I am very frustrated with this, because I NEVER received ANY notification either from the original company, or the collection agency that I had an account in collections. I was continuing to pay  XXXX  and was never notified about the account going into collections. I would like to pay the debt, but want it deleted, as I was n't every notified, despite making payments. I have contacted the collection agency twice about this, but they have stated they will not delete the collection in exchange for my payment.     Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: FL

Complaint narrative:
I received a letter from my mortgage company today in reference to my property taxes. The company has failed to properly maintain my financial accounting records by sending this letter threatening me with foreclosure action. They are in violation of the agreement and sections Of the TIL act and maybe subject to prosecution, for unfair debt collection practices and mortgage fraud, and false reporting to a government agency, ( HU D ),  under the false claim act.     I spoke with a  XXXX   County Tax C ollector today, ( name and phone number available upon request ), and he informed me that I was NOT delinquent on my tax bill.I owe {$670.00}, which is due on  XXXX / XXXX / XXXX , which I have every intention of paying. I have been paying installments since  XXXX  of  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 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I have  NCC Business Services r eporting to the credit bureaus That I owe a debt from a rental property company (  XXXX   XXXX  ) I have never heard of or lived at. I tried disputing the account with all  XXXX  credit bureaus several different time and I get nothing. I believe my credit report has been merged with someone with a similar name as mine. And I demand them to stop reporting false information to the credit bureaus and remove this account immediately. It is not mine. The next step is to contact a lawyer cause this is ridiculous I have to go through this.

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 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In  XXXX  I had a fraudulent account appear on my credit from a company named   XXXX   XXXX   XXXX  . I immediately contacted the police and filed an Identity Theft report.  XXXX  Police Report #  XXXX  The account was removed from all  XXXX  bureaus, however the count was reinserted to my Equifax file in  XXXX   XXXX . I was told by  XXXX   ( Equifax Rep ) th at i needed to file a new police report because Equifax only keeps their information for 2 years and that  XXXX   XXXX  issued the account on my credit under a new account number. I filed a new police report and the account was removed.  XXXX  Police Report #  XXXX  Today the account has reappeared on my Equifax credit report for  a 3rd tim e and issued again under a totally different account number than the p revious two tim es!!! This is so frustrating Equifax knows the account is fraudulent and it should be blocked from appearing on my credit. I am also going to file a complaint with the Department of Justice because   XXXX   XXXX   XXXX   XXXX  is playing games .... they keep changing the account number and the month and year the account was supposedly opened in order to place it on my credit. I disputed the account online with Equifax and called once i got on my lunch break and the lady told me i never should have disputed it online if i was going to call in ...  XXXX  she said it is nothing she can do at this time.     Equifax file number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I believe  Caliber Home Loans an d its agent   XXXX   have acted in violation of the  Right to Privacy Actor of 1974 in its a ttempt to access details about my retirement fund that they could potentially use in my recent loan modification application. In a letter sent to my retirement fund dated    XX/XX/XXXX    , Caliber Home Loans Qu ality Control Program/ XXXX  stated that they were conducting a " random audit '' and requested that information about my retirement fund be verified. The timing of this audit is highly suspicious, as it coincides with my loan modification application that is currently in process and under review. The suspicious nature of their conduct is compounded by the obvious errors and omissions in the documents they sent to my retirement fund. Namely, the consent form Caliber/ XXXX  attached to their request was dated    XX/XX/XXXX   , the date when I first purchased my home. In a letter to  Caliber Home Loan s dated    XX/XX/XXXX   , my retirement fund denied their request and advised them that the authorization form was outdated, and they had not provided my social security number or retirement fund account number on their request. I believe that the above mentioned actions on the part of  Caliber Home Loans  and its agent  XXXX  were an illegal attempt to gain personal information protected under law and moreover, that their ac tions may b e an unlawful attempt to gain additional information about my finances that could be factored into their decision regarding my loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Synovus Bank
State: CA

Complaint narrative:
I was unaware that the security deposit was what I needed to activate card and would like my  XXXX  dollars refunded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: MD

Complaint narrative:
I sent a payment via negotiable instr ument ( p romissory note ) which is legal tender according to th e 1912 Hague treaty and the U.C.C. laws of the United States. To Nations Direct Mortgage/  XXXX  for full payment of mortgage on my propery. This institution accepted and received payment which is acknowledged in the letter that I have attached from them in this complaint. They were at that time only asking for the intrest that accrued from the time of reciept of instrument to when they recieved payment from Treasur y Dept.  That letter was also responded to and another negotiable instrument was issued to cover that amount.  Nations Direct  Mortgage is in violation of the terms of the note. They did not notify me that they recieved it within the 3 day period alotted by law. Aft er three  days, law states that the prommissory note is accepted. And the debt in question should have been released. This institution is still trying to collect on a paid debt. They have no more claim to  XXXX   XXXX   XXXX   . Th ey are to cease all collection action and release the lean on the propery. For your reference I have attached copies of the notes sent with all quoted  U.C.C. la ws on them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: TX

Complaint narrative:
I called   XXXX   and disputed some inaccuracies on my credit file. These were deleted from my filed and when I called Transunion and  XXXX  they are not wanting to comply. I have inquiries from  XXXX   XXXX  that I have no knowledge of multiple times in  one  day.

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 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I got a call from payment   XXXX   XXXX   stating that I owed a debt on behalf of my bank. They advised me even though my bank account has been closed and I was never made aware of any debt by my bank before I closed my account I still needed to pay them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
While reviewing our credit rating on XX/XX/XXXXwhich has been excellent we noticed a negative entry which was unknown to us. A small amount of money was supposedly owed to Macy 's which we had no knowledge of. This debt allegedly occurred possibly in XX/XX/XXXX or XX/XX/XXXX. XX/XX/XXXX???!. We do n't even have a Macy 's credit card. We contacted Macy 's and they referred us to the Credit Card company .... as well as their loss protection/fraud department. Telephone calls have continued to be placed to the credit card company as well as the Fraud Dept despite a collection agency assuming the money owed. The amount went from under {$50.00} up to over {$300.00} and we 've continued to receive letters demanding payment. I 've sent certified letters to the Fraud Division, Macy 's CEO as well as the collection agency demanding proof of the money owed. They keep asking for credit card numbers and we have NONE. Recently the collection agency told me the account was referred back to Macy 's. A week later we received another demand letter. We have spent over {$45.00} in certified mailings and this thing continues. Had I not asked questions regarding the negative entry on the credit score who knows where this would be.
Please stop this harassment.

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 2017-05-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed unauthorized inquiries on credit report on  XXXX / XXXX /   2017  and  XXXX / XXXX / 2017 . The inquiries were not removed, nor did I receive a written response within the required 30 day time frame required by law. Many of the inquiries are duplicate inquiries.       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   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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: NJ

Complaint narrative:
My name is XXXX XXXX. I currently have loans in repayment with FedLoan. I only bring home {$3400.00} each month. My household consists of my husband and my son. My husband has not worked since XXXX and can not work due to his condition. He has XXXX XXXX XXXX XXXX and is in and out of hospitals and requires several medications to try to keep his illness under control and avoid further progression. I am also a XXXX with multiple health issues including XXXX, XXXX, and XXXX XXXX XXXX. My youngest is a full time student and does not work. From my paycheck, I pay the following : Credit card debt approximately {$25000.00} ( I have had no choice but to use my cards to pay bills, medical appointments, medications ) Rent {$1100.00}, Transportation for myself for work and my son for school. {$600.00}, XXXX $ XXXX, XXXX {$200.00}, XXXX {$190.00}, Medical bills total owed so far in deductibles and copays {$5000.00}, food $ XXXX, medications XXXX Fedloan is requesting me to pay {$570.00} with the first payment due on XX/XX/XXXX. I contacted Fedloan today ( XX/XX/XXXX ) and spoke with XXXX who indicated that I could not change the amount I had to pay. There is no way I can pay this amount per month as you can see what my income has become. It would leave me with no resources for any emergent care my husband would require. Mind you, that the monthly payments listed does not include the credit cards. As indicated before, I have been using the cards to pay for certain bills. I am not saying I do not want to pay. However, I feel that I can reasonably pay the {$250.00} which is what I was paying previously. XXXX indicated that this is the minimum because it is a parent plus loan and I dont qualify for any other plans. However, this is basically setting me up for defaulting, would affect my sons education and our livelihood. This in turn can lead to my ending up homeless if I cant pay my rent. My rent goes up every year. I really need assistance. I want to pay but I can only pay what is within my means. I can be reached at XXXX. I thank you in advance for your assistance. <P/>FedLoan Account number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have Professional Debt Mediation reporting to the credit bureaus That I owe a debt from a rental property company ( XXXX XXXX XXXX ) I have never heard of or lived at. I tried disputing the account with all three credit bureaus several different time and I get nothing. I believe my credit report has been merged with someone with a similar name as mine. And I demand them to stop reporting false information to the credit bureaus and remove this account immediately. It is not mine. The next step is to contact a lawyer cause this is ridiculous I have to go through this.

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 2017-05-18 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: IL

Complaint narrative:
I disputed unauthorized inquiries on credit report on  XXXX / XXXX / 2017  and  XXXX / XXXX / 2017 . The inquiries were not removed, nor did I receive a written response within the required 30 day time frame required by law. Many of the inquiries are duplicate inquiries.       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   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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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