vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 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: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have contacted Navient about the account reporting a balance every month when it is a closed account. They report and update the account every week. So I called back and tried to just pay the {$65.00} the rep said XXXX see whats going on with account and call me back he wouldnt let me just pay and he acted as if he couldnt find the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 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:
XXXX shows inaccurate balance for my XXXX account. Update not done every 30 days which penalized my credit report and credit score. As of XX/XX/2018, the accurate balance is {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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 shows inaccurate balance for my XXXX account. Update not done every 30 days which penalized my credit report and credit score. As of XX/XX/2018, the accurate balance is {$22000.00}.

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 2018-09-13 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Promptly and timely filed complaint made via telephone to American Express on or about XX/XX/2018, in regards to a lost credit card and a couple of fraudulent charges on my account, the account number was transferred to a new card number. Reported the charges to American Express as follows : all posted on XX/XX/2018, {$52.00} XXXX XXXX, {$170.00} XXXX XXXX XXXX, XXXX XXXX {$89.00}, XXXX XXXX XXXX {$67.00}. I was advised I was not responsible for fraudulent charges. Somehow, American Express coded my dispute incorrectly and sent me four letters dated XX/XX/2018, with copies of the credit sale and that the dispute was being closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing, Inc. ( SPS ) T is calling us saying that they are ready to send our mortage loan to a lawyer and telling us that they are going to sale our house. We refinance our home back in XX/XX/2005 with a company that closed it doors and transfered our loan to multiple companies in between. We have a current mortage company. Select Portfolio Servicing, Inc. ( SPS ) bougth a loan from XXXX that was paid in full by a company that closed it doors. We have a deed of Trust that show that was returned to us and we transferred to our current mortage company. We have multiple legal documents that show that the mortagage that they are claiming is paid in full. They want a copy of the check of the payoff. The tittle company that we deal with it is closed too and there is not way to get a copy of that check. We been dealing with the previous company for years but it never got resolved. This company is determinated to leave us out on the streest if we don't pay this ghost account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Back on XX/XX/2018, I sent Portfolio Recovery XXXX a letter stating that this is not my account when I look at my credit report it reports that I open the account in XX/XX/XXXX, that i not so. I currently have a credit card with XXXX XXXX paid up to date which I had for two years. I sent out a cease and desist letter the continued calls after the had received the letter. They now has put me in collections when I do not owe this company Portfolio Recovery XXXX I did not sign anything with this company I have an open an account with the company XXXX   XXXX, the have yet to prove to me that I own them nor how much they purchase this account for. I would like for the to remove me out of collections on three credit bureaus. I sent them a second letter on XX/XX/2018 and never received a response from the at all. Please help to remove them of all 3 credit bureaus. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had student loans with Sallie Mae since XX/XX/1998 which I kept deferring or forebearance. 
In XX/XX/XXXX I got harassing calls from XXXX XXXX XXXX   that I was in default. I agreed to make income based payment arrangement but for some reason they added {$22000.00} in late fees. My student loan was {$42000.00} but with the ridiculous fees added they said my loan was now {$64000.00}. I did not agree to those illegal fees so I did not agree to their repayment plan unless they remove those fraudulent fees. Next thing I know, I got letter about garnishment.i submitted my docs that I support 5 people and struggling but it did not matter. They filed for garnishment in a court in Missouri i believe and they have been garnishing my wages since XX/XX/XXXX. 
I need help. They also take my tax returns each year. I will agree to repayment plan on correct loan amount once garnishment is removed. {$22000.00} in late fees. That is simply absurd and criminal. 
Please can you help me fight them. 

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 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Im finding it difficult to believe that after paying what this company was asking for. They're continuing to display this account on multi reporting services. While talking a representative I inquired about the removal of this from my account because of its effects on my score. The accounts impact on my score is still seeing the impact when its been over half a month now.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: MS

Complaint narrative:
I have contacted XXXX about the account reporting a balance every month when it is a closed account. They report and update the account every week. So I called back and tried to just pay the {$65.00} the rep said XXXX see whats going on with account and call me back he wouldnt let me just pay and he acted as if he couldnt find the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: MS

Complaint narrative:
I have contacted XXXX about the account reporting a balance every month when it is a closed account. They report and update the account every week. So I called back and tried to just pay the {$65.00} the rep said XXXX see whats going on with account and call me back he wouldnt let me just pay and he acted as if he couldnt find the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 6 inquiries listed on my XXXX and experian report that I DID NOT authorize. I called XXXX and Experian to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: NC

Complaint narrative:
Collection company isnt license to collect debt in North Carolina. 
Their license expired as of XX/XX/XXXX and they recently started trying to collect in XXXX. I knew something was wrong when they rarely answered their phones. I got through a few times but after calling tons of times only to find that they arent license to collect. Attached photo of proof. 

Company : XXXX XXXX : Amount {$830.00} added to credit file account XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 6 inquiries listed on my transunion and XXXX report that I DID NOT authorize. I called transunion and XXXX to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX 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 2018-09-13 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: CA

Complaint narrative:
There are 6 inquiries listed on my XXXX  and XXXX  report that I DID NOT authorize. I called XXXX and XXXX to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
Report states that I received 12 years XXXX when I only received 1 year and it was successfully completed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
Diversified Consultants also known as XXXX has placed a collection on all three of my credit reports. They first sent me to a collection agency for the amount of {$240.00}. I responded with a letter and a copy of my receipt proving termination of services on XX/XX/XXXX. They continued to sell this so called debt to numerous collection agency 's and I  continued to mail my letter and receipt. After two years it is now on my credit reports. I mailed my receipt and letter to credit bureaus they did nothing. XXXX continued to bill me for cable services after I personally returned equipment and terminated services and have a RECEIPT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian declines to remove the unauthorized inquiries and opted instead to make false accusations and allegation in which I am quite displeased about ... 
However, I have read countless reviews about their erroneous reporting, and how they will claim you are using a repair company, because you know the law ... indeed a lot of complaints will sound the same when you ( Experian ) are causing the multitudes the same issues and grief ... litigation will follow if this is not cleared up, and the accusations don't cease, and it is at my discretion to use a company if I want, yet I opt not too, because I can take you to court myself ... and I know the law promptly delete- XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX In, 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 non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I bought a new iwatch two for XXXX dollars and change total witb a new Barclays credit i had obtained to improve my credit score. After two weeks I decided that it would be best to pay it off because i could miss i payment and that would be worst than trying to incresase my score by a few points, so did. 3-4 weeks later i call to see if my balance was indeed at XXXX. Surprising, my balance was over my approved credit limit. I call again in a week to see the satus of my disputed fradudelent charges and they ask me so many privacy questions ( at least 5 ) and apparently i answered one incorrectly so i get locked out of my account. I then had to mail them a copy of my id, bank statement, and social security card, not once but twice, while, my fraudulent charges where never issued a credit so although i did not owe them anymoney- i did. So not to get a late payment i sent in two payments as they requested. My onlynproblem is that they have marked one of them as 30 days lare.

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 monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Credit Protection Associates. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEM. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I have submitted certification of my employment history to XXXX XXXX XXXX/Pennsylvania Higher Education Assistance Agency/PHEAA for the purpose of tracking payments to count for XXXX XXXX XXXX XXXX ( PSLF ). The updated certification that I was given was not an accurate count to my total service completed thus far ( count was too low compared the to qualifying payments that have been made ). Also, the count of the last three loans of the account was completely omitted ( not given credit for qualifying payments ). I have called several times and submitted emails requesting an explanation for these incorrect numbers. XXXX XXXX XXXX/PHEAA is unable to provide an explanation at how these numbers were created. They have also not fixed their mistake. 

Of note, this is the second time in 2018 I am experiencing this problem and need third party assistance for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: ME

Complaint narrative:
Borrowed {$1000.00} from Big Picture Loans and was told there would be a one time finance charge, but they end up charging it every two weeks. Very misleading and cant get anywhere with customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
checking account XXXX under the name XXXX XXXX   was opened fraudulently and attached to the savings account XXXX with {$50000.00} that was electronically transferred from XXXX XXXX. XXXX XXXX sent out {$50000.00} under my name and social and dob, but bank of America and XXXX XXXX kept my name XXXX XXXX but changed the dob and social and used the address XXXX XXXX XXXX XXXX XXXX XXXX  florida XXXX  when I went to Bank of America to bring this to their attention they called the police in front of me, but there is no record from XXXX XXXX police department. I met with XXXX XXXX deputy outside the bank and he told me to go to report this to the XXXX XXXX  Police. I did drive there and arrive at XXXX XXXX XXXX to file report XXXX  with the agency on XX/XX/2018. Since then I went to Bank of America and they still have not disclosed their plans to allow someone else to continue using my name and {$50000.00} in XXXX XXXX, Florida. I have case id XXXX from the past as a reference. Also, BOA sent a letter to my address saying that credit card account number XXXX XXXX XXXX XXXX is reporting correctly on my credit file, but I do not see it anywhere on my credit file. Please tell me what credit file they are referring to?

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 2018-09-13 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: TX

Complaint narrative:
I previously file a complaint regarding Equifax. Equifax was not providing a status update regarding several disputes. Finally, Equifax responded outside of the 30 day ( XX/XX/2018 ) and the letter did not provide a status regarding the inquires. I attempted to call Equifax and file a complaint, but was told there was no estimated turn around. I want to inquires removed.

Company response to consumer: Closed with explanation