vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX - I received a call from a man named XXXX on behalf of American Express now known as XXXX XXXX XXXX formerly known as XXXX XXXX XXXX ( XXXX ) XXXX and XXXX. Then the same man called again today XX/XX/XXXX multiple times and I told him that I would reach back to him and that I was on my way to work. He apparently did not listen to me and I have attempted to block him multiple times and he keeps calling me. My mother has had her bank account hacked so if you can understand that a person with a foreign accent calling me about information on my mother, then yes I will be reluctant to disclosing this information to a stranger. 

The person that he was trying to reach was my mother, XXXX. after speaking with my mother, I relayed all the information to her about the calls and she stated that she has currently hired a company to help her consolidate her payments into one. this person asked me for the last 4 of her ssn, and I told him that I will not release that info and then he asked me for the year of her birth. he proceeded to go into great detail about her credit card info and the delinquency of the card. 

I asked him how did he get my phone number and he stated that this info was listed on her account ( TO WHICH IT IS NOT ) she does not list my phone number on her account and no information has been shared except by this man with this company. How this man retrieved my personal cell phone number to reach out to get in touch with my mother. I played along and he fell for all this and then some. 

I did explain to him that he has in fact reached her daughter, XXXX. I clearly told him that my personal info is not listed anywhere on her account what so ever. 

This is not the first time that this person has attempted to contact me and when I told him that I was going to report him and his company for violating a customers rights he didn't know what to say after that. 

I did inform my mother all this info regarding to which she contacted her lawyer and she stated that she has let them know about this violation. 

I clearly told him that my phone number is ON THE NATIONAL DO NOT CALL LIST AND HAS BEEN FOR MANY YEARS. I want to file a formal charge for the harassing phone calls that this man has called on multiple times. I do not answer my phone for strange phone numbers but I had to answer this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Riverwalk Financial Corporation
State: GA

Complaint narrative:
Theyre trying to collect {$8900.00} from me on an account that was closed two years ago. They didnt even serve me they just left the papers at my house. Theyre based in Texas and suing me at a court in California! They were already raided by the FBI once but I see theyre back to their slimey ways

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I was forclosed on my home in 2013 with Wells Fargo Bank during their mistake with the modification glitch error.i sent them all the necessary documents and still forclosed on my house. I lost my home and my belongings too. They put my furniture and everything in the street and it was raining. Everything was damage.i lost everything even my dignity and my kids have emotional problems now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My wife and I have a joint Chase XXXX XXXX card through Chase Card Services. We pay our bill in full every month and maintain outstanding credit. 

Over a period of three ( 4 ) days -- XX/XX/XXXX -- 8 unauthorized charges were made on our card at XXXX. When we received our XX/XX/XXXXXXXX statement, we immediately notified Chase of the issue and were told the amount total due of {$810.00} would be placed into dispute and we would not be responsible for the charges, pending their investigation. The account was shut down to future charges and we received a new account number and credit cards. 

In a letter dated XX/XX/XXXX from Chase, we were informed that the investigation had led Chase to conclude that the charges were indeed ours and were being placed back on the card as valid. Immediately, we contacted the Chase Fraud department by phone and were assisted by XXXX XXXX. She advised us to assemble all pertinent information, including any " hard data '' that was in our possession that would clearly show the charges to be fraudulent. We did that and at the direction of XXXX XXXX forwarded all of this via email to a XXXX XXXX XXXX, a supervisor/manager in the fraud division and a long time employee of Chase ( verified via XXXX profile ). 

Ms.Crite indicated the {$810.00} would be placed BACK into dispute and again, we would not be responsible for the charges until further review. 

We heard no response from XXXX XXXX or XXXX XXXX directly after this phone call. On XX/XX/XXXX we received another letter from Chase stating " We confirmed that the disputed transactions were valid ''. This letter was signed by a " XXXX '' and direct phone number was provided. Despite leaving messages, our calls to XXXX were not returned. 

Further, when we received our credit card statement dated XX/XX/XXXX, there were interest charges due to the lack of payment of the amount in dispute. 

Phone messages have been left for XXXX XXXX at her direct number. No response has been received as of XX/XX/XXXX. As stated earlier, messages to " XXXX '' have been ignored. Follow emails sent to XXXX XXXX have not been answered or responded to in any way. 

It appears that Chase is simply ignoring this matter in the hopes that we will pay the {$810.00} and go away. We will not. We are prepared to hire a private attorney to investigate this matter to its fullest extent. 

Any assistance that the CFPB can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Clarity Services
State: TX

Complaint narrative:
A couple of months ago I requested my Clarity Services report because I applied with a couple of personal loan companies and I kept getting denied because either they said that either they couldn't verify any info and/or the info was indicative of fraud. And that my information keeps changing. The report recieved doesn't show me what's indicitvae of fraud and has a whole bunch of inquiries from merchants that I did not apply with. I have only applied directly with lenders except for today, a company called saying that if I went on a website and applied that I would be approved for loan. So I applied and then recieve an email from a whole different company saying that I was denied. Again for the same reasons stated above. Clarity Services is an extremely difficult company to deal with and it took forever to get a copy of my report and had to call numerous times and had to fax supporting documents more than once. When I spoke to them after recieving the report it seems like no one knows what I am talking about. I spoke with them many times in month of XXXX. I feel like I could have gotten a loan to consolidate the payday loans I had, but everytime I apply online to the companies that offer big loans I am blocked. But all can get are relatively small loans at store fronts most of the time after providing tons of paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: Retail Merchants Associates
State: LA

Complaint narrative:
I have been trying to pay off bills and collections since XX/XX/2016 in hopes of purchasing a home for my child and myself to call home. I have not been able to get a student loan off my credit report with a balance of over XXXX. The student loan was transferred over to a different company. this company transferred over back on XXXX, payments are being made every month out of my account and on my credit report it is showing that I have a student loan outstanding amount of XXXX which keeps my credit score down. I have disputed and can't seem to get this off my credit score. 

why is it that when something negative is reported on my credit report, my score drops 30 to 40 points and when something positive is noted the score only goes up like 6 to 11 points? I am beginning to think I am being discriminated against with the report of the credit reporting system. Some of my co-workers have credit scores of XXXX or more, some of which have gone through chapter XXXX 's and car loans, etc. but have a score of XXXX and buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently found out that someone has been using my SS and personal Identification to open up accounts and lines of credit without my knowledge. I found several addresses and phone number that are not mine listed on my credit report. I have file a ID theft report with XXXX XXXX already this is a follow up report for the local authorities. The following account are fraud : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. There is a unauthorized Inquiry on mine report from XXXX  never applied for any account for business. The following addresses I do not live at and are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am requesting FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Hi, One XX/XX/18 I underwent a XXXX. I received a letter from XXXX XXXX XXXX regarding my dues and I paid them in full. 

Recently I received a call from the Rash Curtis and Associates ( collector ) regarding the balance due ( XXXX ) for that XXXX. I was told that the XXXX XXXX XXXX are separate and their bill was different. I called them and ask why I did not receive the bill and I was told that their address was incorrect. They did not include my apartment number and that is why I did not receive any letter. They collected the address from the XXXX XXXX XXXX and did not try to reach out to me ever to get the amount paid. 

I called the XXXX XXXX XXXX to pay them the bill directly but I could not because the billing department already sent it to collection. 

I can not use my XXXX card for collection and I do not want to pay extra money ( interest ) because they did not send the bill to the right address. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: MA

Complaint narrative:
I was given a loan on a bad car in the amount of {$21000.00} on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX to find out my remaining balance, a woman on the phone told me {$8000.00}. I subtracted that from the loan amount to find that I already paid {$13000.00}. It was refused as a trade in at XXXX XXXX in XXXX because the car valued at {$1200.00}. I pay biweekly at XXXX XXXX so in a regular month that's about {$400.00}, but there are several months I get paid 3 times so that's about {$600.00}. I never missed or was late with a payment on anything especially this car loan. I paid all repairs out of pocket because I was too scared to go back to them. I found out in XX/XX/XXXX this year that they are being sued for predatory lending. The car valued at less that {$4000.00} when I bought it and they still sold it to me for {$13000.00} at a 19.948 % interest rate and a {$6400.00} finance charge on top of a " down payment '' of {$1700.00}, which I didn't have anyway and they let me pay off the down payment but I still had a trade in at that time which they valued very low. I got some advice from financial advisors and they told me that if I keep the car I'm losing and if I give it back I'm losing too. I can't sell it for anything close to what I owe still, not counting what I already paid. I filed a complaint with the Attorney General because I know she has a law suit against them for predatory lending. I can't afford a {$600.00} payment next month or ever again and the car isn't worth keeping anyway. I do have a child and a job that requires a vehicle. Basically they charged me {$21000.00} for a vehicle that valued less than {$4000.00} and forced a payment schedule of every payday on me. I never had a choice or say in that. I don't want anything. I only want XXXX XXXXr and CNAC to take back the car and call it even and leave my credit alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Settle It Inc.
State: CA

Complaint narrative:
Settle it promised me 2017 to get my federal loans forgiven. They have been charging me monthly for working on getting my loans consolidated and forgiven. Until two weeks ago a new rep confessed they do not work to get my loans forgiven nor fixed. They just work to get my loans offset.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
My mortgage has been services by Loan Care, XXXX XXXX XXXX, XXXX XXXX, VA XXXX since XX/XX/XXXX. I attempted to log into their system in XX/XX/XXXX to make a payment. The system would not allow me to log in using the credentials I had been using for the past 11 months. When I contacted Loan CarXXXX they would not explain why I was unable to log in. Someone was supposed to contact me to resolve the system issue but no one never contacted me. Today, I again attempted to log in and was still unable. When I contacted Loan Care again, I was told by their Customer Service department multiple people were unable to access their online accounts. I am concerned based on what seems to be low levels of security as well as the fact my access and other customer 's access was shut off that they may have breached. I would appreciate it if someone would be able to investigate my concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Caliber Home Loans, Inc.
State: UT

Complaint narrative:
Caliber Home Loans has put my mortgage in a Banruptcy Status with them and they have reported to my credit that the account is in Bankruptcy as well. 
I have never filed bankruptcy on them I did file 2 years prior to getting the loan. I have made multiple attempts to them and nothing is getting done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have sent out the bankruptcy letter to TransUnion and XXXX to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted XXXX delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for XXXX told me on the XX/XX/XXXX they will delet public record never done it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on EXPERIAN, XXXX AND XXXX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
EXPERIAN-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XX/XX/XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
XXXXsays account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XX/XX/XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
XXXX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XX/XX/XXXX.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
First of all I went to the ER with chest pains. I was told I needed observation over night. All this added up to a huge bill in the end but instead of sending a single bill ... I was hit with more than 5 split up Bill 's  which are harder to deal with for one you arent sure the direction it came from and exactly who you owe and for what. After giving my ins. Co.any time to pay which didnt help much because there is a HUGE deductable which I dont understand because I pay a huge amt each paycheck for the ins. For it not to help me much. I gathered the Bill 's and attempted to set up monthly payments for those I could not afford to pay In full. Only later finding out that I'd have to contact each one each month because they wont set up a way to pay automatically each month. Well.. since i missed a month i was turned over to collection agencies. Most handled my payments correctly and agreed to accept whatever i could pay except for this one company. I told the lady when she called i would like to set up payments but she told me i had to pay it in full or th here was one other option. I could pay half my bill up front then pay monthly but the half I pay up front does NOT come off the bill. I told her that was crazy! Nobody in their right mind would agree to this and I'm really trying hard to pay my debts. She said if you dont do this it's going into litigation or something of sorts. 
I'm paying the hospital alone over XXXX and they accept payments. This company I owned less than XXXX and they wont accept a payment. I'm also saying other Bill 's out of my pocket at the same time because every part of the bill was split up! Insurance is a joke! You pay out the wazoo and still owe everybody! If I was on government healthcare I wouldn't even have a deductable or a payment! It's not fair! Anyway.. the company is called XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX MS. XXXX Bill amt. XXXX. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: AL

Complaint narrative:
I have sent out the bankruptcy letter to XXXX and Equifaxs to remove bankruptcy off of my file they still have not I sent in in the the letter from bankruptcy and pacer that they dont verify info to any credit bureaus and I sent out sue letter still was not granted Equifaxs delete bankruptcy for 3 day they didnt tell me how and where they get bankruptcy verify only told me a source of there I also spoke with XXXX id number for Equifaxs told me on the XX/XX/XXXX they will delet public record never done it

Company response to consumer: Closed with explanation