vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 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: TX

Complaint narrative:
XXXX XXXX for XXXX XXXX  is alleging a line of credit for XXXX dollars. The contract does not bear my signature and contains incorrect banking iformation. It is an unauthorised loan that was created to scam me after paying a payday loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Municipal Collections of America Inc.
State: IL

Complaint narrative:
MCOA AT XXXX is calling me repeatedly for a debt my sister owes them. I do not have any information for my sister and yet they are relentless in their calls. 
The last call was on XX/XX/XXXX at XXXX XXXX. If You dont provide them with your phone number or your account number they are extremely rude and will not give you the time of day. I dont have my sisters account number Or phone number so therefore I can not help them I just asked them to take me off their list which they will not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: OH

Complaint narrative:
I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt.

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted.

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX.

Per a letter I received from the Ohio Bankruptcy Court, no verification was done as the courts do not verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX i got sick and spend a few days out off work. Two weeks after i was told by my Doctor that i needed XXXX i spend two months at home after XXXX and i receive a XXXX XXXX   XXXX check which was less than haft of my regular paycheck i wasn't able to make any payments on my monthly bills my utility bill was the only thing that was paid on time. 
XX/XX/XXXX i was able to go back to work and started paying all my late bills and was able to get up to date with everything.Thank God my mortgage is up to date. i check my credit report and i saw how much this situation affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Consultants call from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 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: OH

Complaint narrative:
I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt.

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted.

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX.

Per a letter I received from the Ohio Bankruptcy Court, no verification was done as the courts do not verify information.

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt. 

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted. 

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX 

Per a letter I received from the Ohio Bankruptcy Court, no  verification was done as the courts do not verify information.

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 2018-04-11 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: VA

Complaint narrative:
contacted transunion regarding inaccurate information regaring a supposed public record. i possess no public record or bankrutpcy. the information upon conclusion stated " verified as accurate '' i contacted the source and was told other wise. they provided no information, nor was i provided tangible proof. the specious info must be removed. i contacted customer service and was advised to contact the CFPB

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 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
My loans are being serviced by XXXX XXXX. I am apart of the Public Service Loan Forgiveness Plan. They are miscalculating my payments-not counting qualified payments from my employment at XXXX XXXX XXXXXXXX XXXX XXXX and the XXXX XXXX XXXX   where I was/am a XXXX XXXX. Both have been certified as qualifying employers. Yet, they have not counted all my qualifying payments. I called them on the phone and was given no real reason why more than half my payments have not been included in my total from my employment at XXXX and the XXXX XXXX XXXX. In XX/XX/XXXX when I first submitted they came back and told me I had 27 qualifying payments. I was employed at XXXX from XX/XX/XXXX-XX/XX/XXXX and  was making monthly payments at or more to the IBR payment range from while employed there. I understand that only payments after XX/XX/XXXX count towards PSLF plan but they have not counted payments during this timeframe that do count. I left XXXX in XX/XX/XXXX and have been employed by the XXXX XXXX XXXX as a XXXX XXXX ( XXXX XXXX  ) and XXXX XXXX XXXX XXXX worker. I just turned in my certification for XXXX in XX/XX/XXXXand they come back and tell me I only have 78 payments approved total from both employers and extended my final pay off date by years. I have should have 69 payments just from the XX/XX/XXXX. So even with them not fully counting all my payments yet from XXXX, based on them telling me they counted 27 already in XX/XX/XXXX, then I would have at least 96 payments. Whenever I call them they keep extending the time frame that they need to figure out why the payments are not all being counted. I am very concerned that XXXX is mismanaging my account and this will affect my outcome with the PSLF program. It is not fair that I am meeting the requirements and their poor handling of my account is extending my time before I can qualify to write my loans off. Can you please assist me in getting them to review my account appropriately and according to the rules so all my qualifying payments are counted from XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the XXXXXXXX XXXX XXXX. It is very frustrating to hear no real explanation from them regarding why they have miscalculated my account and to keep having their review process extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: Meade & Associates, Inc.
State: IA

Complaint narrative:
XXXX XXXX is a lifelong Iowa resident who has never lived in Virginia, nor traveled over 1,000 miles to shop at one of their local grocery stores. There are no grocery stores of this type in Iowa, and none of the identifying information from this creditor matches any legitimate information. 

Meade and Associates has and continues to violate : 1 ) The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 2 ) The Fair Debt Collection Practices Act, 15 U.S.C.1692

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint narrative:
Hi, I received a collection letter from a company called Kinum, and the collection letter does not give an explanation or date of service. The amount owed does not add up, and the collection letter looks like fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Fraud charges on XX/XX/XXXX and XX/XX/XXXX for a total of XXXX. 

I contacted Citi by phone within 24hours and reported the fraud and specific fraud charges. 

The first CSR, the fraud department one, cut me off when I was reporting which charges were fraud but assured me she listened after I asked. Told me I was getting a new card and the charges would be investigated and removed. 

Later I contacted them again by online. My statement was cut and everything was charged. The polite rep told me they had all my charges and were doing an investigation, I asked him which charges and he listed 1 of the 9. He politely took the rest of the charges and said it would be resolved. 

1 week later I contacted again asking for the charges to be dropped, as promised by Citi. I was told it would be escalated to an executive team and no contact back. 

I also contacted them by online chat after giving a few business days to resolve things and they ignored that as well. 

Reference secure messages : 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 2018-04-11 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: R.A.Rogers, Inc.
State: IA

Complaint narrative:
1. ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thru XX/XX/XXXX timeframe. 2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. 3 ) Further, based upon the published requirements for membership to this credit union, XXXX XXXX would have been ineligible for legal membership or services due to : 1 ) The fact he was living abroad when these accounts were opened and utilized. ( Figure A ) 2 ) In conjunction with Item 1, XXXX XXXX status as an Iowa resident ( verified thru any and all identification documents which he has possessed that are valid and legal, would have made him legally ineligible for membership. 4 ) XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX XXXX XXXX to comply with : 31 CFR, Part 1020, Rules for Banks, Subpart D 1020.410 Records to be made and retained by banks and Opening Account Procedures. The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C. 1692 It is because of these facts, and the documentation, provided which proves that these two accounts were in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On XX/XX/2018 I was informed that XXXX  Credit Reporting had lower my credit score by 105 points, Because, I had returned a vehicle to a Buy here Pay Here company and the company took the vehicle back, and closed out the loan and, I owned any other payments because the vehicle had a lot of problems, So I want to complain about Transunion taking such a drastic action over a closed account that, That was the only option the car place had was to close the loan out, I had the vehicle over a year no missed or late payments etc now because I no longer have the vehicle I am punished for it by having my credit score lower a LOT!! 
I feel it is an abuse of their tryant authority,

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 2018-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I applied for a loan with the company called Upgrade. Initially they requested my XXXX which I was told that was all they required, I sent in. Then they requested my banking information along with my identification ( driver license ), I forwarded. Then over a week later I was asked for a picture id along with me holding the id and to take a picture with it next to my face. Before I can sent it, I had a call and message on my phone number that I had listed on my credit reports due to fraud. I did not have the same number on my application solely because I wanted to reassure that whatever organization in which I apply for credit would go according to protocol and contact me at the number listed on my credit file to verify my identity. Well, the gentleman XXXX called and left me a message to call back on my number XXXX and I did and again, I called him from the phone number listed on my credit report. Well, a few hours later, I received the letter via email saying I was denied as a result they could not prove my idenity, Well, I do not know what they based that off of. I sent all the documents they requested immediately, they contacted me on the number on my credit file and they just requested id with me holding the id next to my face and to take a pic and send it to them, which I did not have that opportunity which would have easily substantiated who I am and they still should accept that as proof. I did not submit as I just received the request but after receiving that request, they contacted me by phone, again, Upgrade contacted me on the number listed on my credit file for fraud, I requested to speak to someone other than the agent XXXX and spoke to someone by the name of XXXX who I thought would comprehend what I was saying but she did not. You have all my personal information which supports who I am and you did not give me the opportunity to submit a picture of me holding my id next to my face which was also proof of who I am. If you were not going to use my face pic holding my id, why would you even send that as an option. You just called me today ; however, I submitted my application about two weeks ago, so you could have did a phone verification initially credit pull and if you were not satisfied that it was me, it was no need to request all of my personal information you have and also request another picture id with me holding the picture next to my face. I can not believe a company would be so unfair. I went through all of this over two weeks, which the company indicates fast funding which is false, for this company to do this, this is extremely upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: MI

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, MI. XXXX ) SENT A COLLECTION NOTICE FOR XXXX ON XX/XX/XXXX. I CANCELLED MY MEMBERSHIP IN XX/XX/XXXX BECAUSE THEY CANCELLED XXXX XXXX AN EXERCISE CLASS AND THE REASON WHY I JOINED THE GYM. THE COLLECTION AGENCY STATED THAT I OWE FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. I HAVE PROOF THAT I CANCELLED THE MEMBERSHIP AND CALLED TO SPEAK TO XXXX XXXX ( MANAGER ) WHO APPOLOGIZED AND ACKNOWLEDGED THAT THE AMOUNT IS WRONG BUT STATED THAT HE COULD NOT DO ANYTHING ABOUT IT BECAUSE IT HAS ALREADY BEEN SENT TO COLLECTION AGENCY. FIRST CREDIT SERVICES , INC. XXXX. XXXX   XXXX XXXX XXXX XXXX, XXXX, NJ. XXXX IS WHO SENT TO COLLECTION NOTICE ON THEIR BEHALF. I ALSO SPOKE TO XXXX AT THE GYM WHO STATED THAT THE AMOUNT IS WRONG HE WOULD NOT GIVE ME HIS LAST NAME BUT XXXX XXXX WHO ALSO WORKS AT THE GYM SUBSTANTIATED THIS INFORMATION.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I send a debt validation to the creditors and requested debt verification with my signature and they dont send the correct validation and verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Recently purchased a mattress and were told they had a 3 year 0 % interest payment plan due to the price of the mattress if using the store credit card. Along with the store personnel we calculated what the monthly cost would be over that time period and were told it should be around $ XXXX/month. Never were we told that the payment is based on a percentage of the balance. Received first months statement and the payment was {$130.00}. We attempted to revise this with XXXX XXXX which is the credit card provider for XXXX and they replied back that they were not willing to change the payment amount and that it is 5 % of the balance and each month the payment will be a little less due to the outstanding balance going down. If you calculate this out over the 3 years there would still be an outstanding balance left at the end which would mean that anyone who thought they would pay it off by the end would either have a much larger payment to attempt to make at the end to not incur the fees or if they were unable to do so all interest that was accrued would be charged to the account. We spoke to XXXX customer service and they said since XXXX took over their credit card processing they have had numerous complaints about this company by customers for a variety of reasons. We now are stuck attempting to make a payment that was double what we were expecting and if we were to return the merchandise they removed our old mattress and we would be left with nothing. XXXX  is very deceitful in their practices and whatever promotions that are being presented to customers should make sure that the people that offer these promotions understand how the terms of the card work and should not promote lower payments and put customers in this position. XXXX should learn how to properly deal with customers or should not be in business. I have a few credit cards that use the 0 % interest financing for large purchases and have never had any of them try and gouge me for double the monthly payments up front. XXXX XXXX  has been wonderful and should replace XXXX as the card provider to XXXX.

Company response to consumer: Closed with non-monetary relief