vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 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:
I have attempted on numerous accusations with Experian and   XXXX   XXXX   XXXX   to dispute a file on my credit report that has been inaccurate for some time now. They suggested I get affidavit which I provided that, as well as a police report ... I sent a affidavit approximately over a month ago and sent ANOTHER ONE and still the credit bureaus nor the creditor has removed the file and I have provided every type of documents needed to prove that the account  XXXX  for  XXXX  is not mine. Its been taking more than 30 days and still no action.
I want to report this matter as in hopes you guys can speed up the process as I am trying to buy a home and its affecting my score.
<P/>
Thank you and enjoy your 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 non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My bank account balance has not been updated in o ver 2 weeks.

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 2017-07-17 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: North American Credit Services
State: FL

Complaint narrative:
In  XXXX  of 2017, I paid back a medical in the amount of   XXXX  . The creditor North American Credit Services advised me that once the amount was paid, the trade line would be removed from my credit. As of today,  XXXX / XXXX /2017, the trade line remains and has not been updated AT ALL. It is continuing to impact my credit when I was advised it would no longer. Instead, this company left the full amount on my credit report and just stopped providing updates, which is an FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a TJX Rewards Credit Card account in  XXXX  on Synchrony Bank with a credit limit of {$300.00} and I paid on time never missed a payment. I paid off my off my balance on XX/XX/XXXX  and I have not used the card since. I received a letter from Synchrony Bank saying they have closed my account due to 1 ) number of accounts with delinquency, 2 ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. 3 ) Proportion of loan balances to loan amounts is too high. 4 ) Length of time revolving accounts have been established.
<P/>
I never heard of this because there was no problem until I paid my account off and stopped using the card. I can do without this card but the principal I did not ask them to cancel the card. I do n't have a number of accounts with delinquencies and what gives them the right to cancel which dings my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I had a Target store card. The balance was {$6.00} which I paid in full and closed the account. The next thing I know is that Target charged me a late fee of {$11.00} on a  XXXX  balance and it now shows on my credit report as bad debt.     I 've tried to resolve it with them through a dispute but they answered with an " update '' and nothing has changed!     I have always had excellent credit and this {$11.00} charge is now affecting me on my upcoming purchases.     Please look int this for me as they should be removing it from my report.     Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I spoke to Debt Recover Solutions ( Collection Agency ) stating that  XXXX  has sold them my account which I owe &  XXXX . I explained to them the debt was already settled with   XXXX   and was removed from my credit file already before. But they insist I still owe the debt and trying to get my personal info. They are reporting to the credit agencies again and is affecting me from getting an apartment to live. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
We are in the process of trying to do a short sale on our home in  XXXX , CT. On  XX/XX/XXXX  I sent a fax to Chase and asked them to rectify the error they made in recording the lien on our house twice. In the fax I asked Chase to call me and mail written confirmation that they have corrected this error. To date I have received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: FL

Complaint narrative:
In   XXXX   of 2017, I paid back a medical in the amount of  XXXX . The creditor   XXXX   XXXX   XXXX   XXXX   advised me that once the amount was paid, the trade line would be removed from my credit. As of today,  XXXX / XXXX /2017, the trade line remains and has not been updated AT ALL. It is continuing to impact my credit when I was advised it would no longer. Instead, this company left the full amount on my credit report and just stopped providing updates, which is an FCRA violation.

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 2017-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Midwest Finance Corporation
State: TX

Complaint narrative:
I never gave this company permission to contact me at my current place of work and they constantly harass me at work or at home and when I tell her I do n't have the money she threatens to involve the cops when I have done nothing to get me thrown in jail.   XXXX   is rude in how she goes about charging her customers because I 'm not the only one who has had this experience with her, she also told another client she had that she did n't want her to lose her papers because " she knew she was trying to get her papers fixed '' when the person in question was born in the United States. If I tell her that I do n't have money she gets mad and tries to make her own date to make me pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: LA

Complaint narrative:
My loan was transferred to Flagstar Bank. First they did not pay my tax bill. It took several calls for this to be resolved. My first payment I attempted to make online had two numbers from my account transposed. When the payment failed they contacted me and I made it immediately over the phone. I have received my   XXXX   statement and I am being charged {$25.00} Total fees ( including late fees ) The rep explained it was for an NSF. When I explained what had happened and that there was NEVER AN NSF she said she would send a request for review. The case number given is  XXXX . The reps name is  XXXX  and I talked to her on  XXXX . XXXX .17 at  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 monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I had a loan with  XXXX . The last activity on the account on my part was   XXXX   2009. My credit report says that I refinanced the loan, but I never did. It says " refinanced, closed/Never late, but the unfortunate truth is I stopped paying the loan prior to  XXXX  2009.
<P/><P/>
The partial account number is  XXXX . The address identification number is  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 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Someone walked into a WellsFargo Bank at   XXXX   XXXX   XXXX     XXXX , TX on  XX/XX/XXXX  and changed my debit card pin and withdrew {$900.00} from my account.
<P/>
My apt was broken into and my debit card was home and they went to the bank and withdrew money. I reached out to the bank and they basically denied my claim and said that it was nothing they could do. They told me I probably allow this person to withdraw money from my acct.

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 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested numerous times from Experian to update my credit report with the correct file and I have not been successful. I keep getting the run around. I have provided documents showing a name change and they have not updated any of those information. My old name is   XXXX   XXXX   and it has been changed to    XXXX   XXXX   XXXX   XXXX  . I have also requested for any old addresses to be deleted in   vain. Please see attached a copy of my passport, a copy of my driver license with the correct address, a copy of my Social Security Card and a bill showing my current and only address that should be showing in my credit report. I have also attached a copy of the court order showing my name changed.

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 2017-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient sent a notice on XXXX XXXX that they would be willing to settle on the account. I called and and arranged to pay down {$3000.00}. I had 90 days to pay for it. We arranged {$1500.00} on the first payment which they received and the second payment a month later, and if I could n't do that call back in and we can change the payment date. They refused to do it. The baited and switched me. And said, " oh you have to pay it all now. These disgusting people that the federal government has hired are unethical, liars and I will not do this. I will stop any check payments on my bank, they have refused to honor what they told me. <P/>This can be recorded I hear all the time on the phone. Than let 's here it. IT will show a different picture.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: LA

Complaint narrative:
XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX   XXXX  XX/XX/XXXX ,  XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX . XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX   XXXX  XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX .   XXXX    XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX . This company, which I hold no contract with nor have received services from reported inquiries against my ssn with  XXXX , Experian, and   XXXX    credit reporting agencies. I have requested verification of the accounts, however the businesses failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to have these hard inquiries. I demand the businesses remove the negative report against my ssn at any credit reporting agency, including but not limited to  XXXX ,  XXXX , and Experian. In addition, the businesses agrees to have no contact in any form with me regarding these accounts now or in the future. They agree to remove my personal information from all accounts in The companies database. I had a problem with these a while back they was deleted and due to  XXXX  and  XXXX  glitch in the system they were added back on my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted  XXXX  and  XXXX  in good faith to ask them to delete the inquiries that they had illegally readded. These inquiries are adding a hardship on my credit and I feel my rights were violated by  XXXX  and  XXXX  I wish that  XXXX  and  XXXX  would stop victimizing me. As a resolution I wish that all of my inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
Multiple phone calls received from   XXXX   XXXX   XXXX   stating that we owed {$150.00} some dollars to   XXXX   XXXX   and that they were going to be filing a lawsuit against us. Phone calls started   X/X/17 ,  continued   XX/XX/XXXX  &    XX/XX/XXXX  unt il I informed them that I knew what they were doing was a scam and that I would be reporting them to the FTC / CFPB. We have not received a call since then. We owe nothing to  XXXX , never have. I have no idea how they got our name / number.

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 2017-07-17 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: GA

Complaint narrative:
This is a formal notice that you have failed to respond in a timely manner to my dispute concerning the accuracy of what you have on my credit report. Under the FCRA 15 USC 168i ( 5 ) ( A ), you have 30 days to respond to my request for VERIFICATION not VALIDATION, of which there is a difference of the erroneous items. Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per 15 USC section 168i ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the item removed at the address stated, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your credit bureau may be liable for : 1. Actual damage I substained by you failure to delete items 2. Punitive damage as the court may allow 3. costs of the court action, plus my fees for the attonery

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 2017-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Auto loan was paid off by insurance company for a total loss (   XXXX    ) with a posted date of  XXXX  XXXX /17. Gap insurance covered remainder of loan (   XXXX   ) with a posted date of  XXXX / XXXX /17. A payment was made during insurance settlement on  XXXX / XXXX /17 of   XXXX   resulting in a loan overpayment of that amount. Statements show a reverse payment was issued on  XXXX / XXXX /17. Spoke to lender and was informed a " explanation of payment '' form from GAP carrier was needed. Form was email on  XXXX / XXXX /17 to myself and lender to email address that was furnished to me. Funds from reverse payment have not been issued after several attempts to obtain explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC ( LVNV FUNDING LLC   XXXX   XXXX   XXXX     XXXX , SC  XXXX  is reporting that I owe them {$1000.00} for some type of loan. I do not have a contract with them nor have I ever had any business with LVNV Funding. The account was removed from my credit report on   XXXX   XXXX  , 2017 and was reinserted on my credit reports on the same day. I was not sent a notice 5 days prior to the debt put in collection, so by law this debt has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: We Collect Inc
State: WA

Complaint narrative:
I have had this phone number for 6 years now and I keep getting phone calls from debt collectors for   XXXX   XXXX   despite the fact that I have repeatedly told them that I do not know who that is, that this is not his number, and to stop calling me. Atlas Financial will not stop calling me despite me having told them this information several times. They call me at least once per week and sometimes they call more than once in a day, they call me with a robot pre-recorded message, they also call me sometimes with live people, they skip the phone call part and somehow direct themselves directly to my voicemail without my phone showing an incoming call at all, and sometimes they actually do make my phone ring before going to voicemail. There are also signs that this is a scam because when I  XXXX  Atlas Financial it comes up with a company that has nothing to do with debt collection, but I do not care to check into it deeply since I am not the person they are supposedly trying to reach anyway. The number they call from is  XXXX  although they have also called from a blocked number and from a phone number in  XXXX , Washington that I did not keep a record of. Their pre-recorded voicemail message that skips having my phone ring says, " We have an important message from Atlas Financial Services, this is a message from a debt collector, please call  XXXX  or visit our website at www.myatlasaccount.com. '' The reason I know they are looking for   XXXX   XXXX   is because when they periodically have a human call me that is the person they either ask to speak to or leave a voicemail message saying they are trying to reach. Please make them stop calling me.

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