vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-22 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: CA

Complaint narrative:
I have provided both Equifax and   XXXX   with police reports and affidavit from the FTC they have stated the information provided was not good enough to investigate these accounts. I submitted documents in accordance to the FCRA and they have refused to adhere.   They are stating that the police report or affidavit has t o be signed by an officer, when the police department has accepted the report and provided a verifiable police number online . If the CRA is doing a proper investigation they will be able to verify the police report number through the  XXXX  Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I saw an inquiry on my credit report from Equifax consumer affairs that was done without my consent. when you contact them they give you the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: CA

Complaint narrative:
I have mailed letters and sent Them VIA FAX AND MAIL a request for them to remove the address  XXXX   XXXX   XXXX   XXXX  CA  XXXX  as this address does not belong to me and belongs to a family member please make them remove it this is causing problems they dnt care and do as the wish and say they are not responseable for what is reporting if they are not reasonable and responseable who is they are out of control and do as they want with do rules please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
Everytime I call the company, I can not seem to get a hold of anyone. On the off chance I do, they assure me that automatic payments for my mortgage are scheduled, but I never see the payment get taken out. Then, when I call to follow up, I ca n't get a hold of anyone. Even today, I tried to call them, and their automated system hangs up on me, and I can not seem to get through to anyone who can help me. When I have gotten through to someone before, they tell me they 'll find out what 's going on with the payments not being taken out, and then I never hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I applied for  the Amazon Visa Rewards c ard for the cash back and promotiona l Amazon  credit. I currently h ave   XXXX   ca  rds and a good credit score with no marks against it. Chase did conduct a hard credit inquiry, so they were aware of my standing. I 'm certain that I qualify for this credit card.      I was asked to submit proof of my identity such as a government issued ID. I sent a copy of my state driver 's license and a copy of a recent bill. I was then notified that the application was closed, and I was given no reason as to why. I also inquired as to what I could do to satisfy their requirements to prove my identity, and they would not tell me. I called multiple times and spoke with multiple representatives, and none of them could give me a reason for the closure or information about what I could do to satisfy them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
XXXX   XXXX  says that I owe {$900.00}, I had already paid the {$900.00} the time I was moving out of the apartment. Then they said the {$900.00} was for the carpet repair, it is impossible as I had already cleaned the carpets myself and paid someone to do that. I DO NOT owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
on  XXXX   XXXX    XXXX  , I receive a mail from my bank state that I have a court order levies on my account, for the amount of  XXXX  of outstanding principal remains due and unpaid., assigne to whom this debt is owe i s ( palisades collection, llc ) J UDGMENT DATE  XXXX  .th  e sc am by the collection agency is using my old address @ the court in  oder for me  not know about it, until now he come after m e, 1 ] fo r a 10 years plus debt, I want to have a full detail of that debt, and how debt was made, and also how much  palisades  collection .llc paid for it. from who he brought it from?     XXXX   XXXX    XXXX   XXXX  of  XXXX  index  XXXX  plaintiffs palisades collection, llc defenda nt,   XXXX   XXXX    INDEX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Was Contacted by  XXXX   XXXX   XXXX   XXXX  that Equifax has me listed as deceased and i must correct that before they would consider a Car Loan.     Submitted a dispute to Equifax on  XXXX / XXXX / 17  to correct the information. As of today information has not been corrected, and still unable to apply for  a Auto Loan.      Checked today  XXXX / XXXX / 17  list my dispute as expired. Dispute # is  XXXX .     Tried submission of anothe  r Claim today, was unable.
Paid {$7.00} for a credit score, than it stated it could n't provide me with a score. But am able to get a Credit Summary, not a score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
" We have  XXXX  business accounts (  XXXX  XXXX  XXXX ,  XXXX  XXXX  XXXX  ) with  Paypal. Paypal ove r-drafted my  XXXX  XXXX  XXXX  account by - {$490.00} because my  XXXX   XXXX  reported suspicious use by my random  XXXX  charge for a ride I randomly got in  XXXX   XXXX  ( where I communicated with my  XXXX   XXXX  that same day that all charges made and pending were all mine and there was no reason cause for concern ). Becuase of this, paypals " system '' automatically charged back  XXXX  previously made transfers of {$300.00}, {$100.00} & {$100.00} that I transferred from my  XXXX  XXXX  XXXX  ( which is attached to my verified  XXXX   XXXX  account  ) to  my  XXXX  XXXX  XXXX  resulting in this - {$490.00}. I 've called to resolve with paypal they keep placing blame on  XXXX    XXXX   whereas I show in my  XXXX   XXXX  statements that Paypal got paid the {$500.00} AND I called to confirm with  XXXX   XXXX  that there was no open charge back cases and they confirmed there are no open cases at all for me. I call paypal pack because we had a client pay us through  XXXX  XXXX  XXXX  and paypal 's  XXXX   XXXX   XXXX  confirmed they will not give us access to our funds for at least 80 days because " there 's an open charge back case '' that  XXXX   XXXX  needs to resolve for them. So not only is paypal ripping us off and in both accounts but they 're also effecting are ability to receive funds active or pending to be able to pay our own selves, furthermore causing us to loose clients. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited a check into my checking account for {$2800.00} I waited a couple of days to make sure the check funded I we nt to the Chase Br anch at  XXXX   XXXX   XXXX   XXXX  and I asked the teller if the funds cleared for that check.Her response was yes it funded so I withdrew  XXXX  and then I noticed a couple of days later that my checking account was over drawn by the amount of {$2800.00} and I was told the check was returned for insuffeciant funds.So they use what I had in my acoount to cover that. I went to Chase again to discuss the problem and I was informed there is nothing they can do but I asked if the funds cleared and was informed it does n't matter if there was enough money in my account to cover it that is how it works so I have been charged over draft fees on top of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I opened an account ( residential account ) with  XXXX   XXXX   XXXX   XXXX   (  known today as "  XXXX  ' ' )  in  XXXX . I personally went to this company and closed the account in  XXXX  ( I am attaching evidence ). During the last years, this account appeared in my Transunion credit report in the "  Closed  Accounts '' section until it was removed from my Transunion credit report. Recently ( since  XXXX   XXXX  ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with Transunion along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately, Transunion did not accept this evidence so as to remove this account from my credit history. I called again to Transunion and they asked me for another kind of lette r ( Credit Correction Letter ). T hen I called again to  XXXX  and they informed me that they " will '' send  a Credit Correction Letter.   Originally  XXXX  informed me they sent the letter but they did not. Attached you will find evidence that I went personally to  XXXX  in  XXXX  to ask for a letter as an evidence that this account was closed in  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have a mortgage with Ocwen loan serving. I have paid my mortgage on time. I was in bankruptcy from  XXXX  to  XXXX . I gave Ocwen {$46000.00}. I have not seen any change in my mortgage. My mortgage payments are still the same. I have called  Ocwen  and the costumer service rep. Stated that the {$46000.00} went towards my principal. But when I look at my statement the {$46000.00} is not on my statement or online statement. I have called repeatedly and I would get transferred or hang up on. I would like this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax wo n't investigate an account and summarily responds with verified even while the account keeps fraudulently changing to remain on my report. I have called and disputed this multiple times to no avail. When I ask why the date of first delinquency has changed so as to remain on my report longer Equifax just offers to re-investigate and then sends a letter with the same response that the information has been verified  ( no explanation as to how or what that means ). I  am providing copies of an old dispute response from Equifax highlighting previous information reported along with a copy of what is currently showing on my report marked in yellow to highlight the discrepancies and to showcase how Equifax is knowingly reporting false information. In my old report the full history of the account appears, along with a much earlier first date of delinquency. In my latest report, the account history has been deleted and multiple inaccuracies appear, not least of which is that the date of first delinquency has been reported as MUCH later. This has been changed in order to keep the account showing on my report. Equifax is clearly not complying with applicable fair credit reporting laws and I will be hiring an attorney as my financial well being is severely hampered by the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TimeMark Solutions, Inc
State: TN

Complaint narrative:
I called and thought I was speaking to a   XXXX   customer service rep. However by the end of the call I realized I was not. This was a company called time mark solutions. I gave them my social my debit card as well a license number. They did n't tell me until the end of the call when they were " supposable '' sending me my paper work that I never got that they were n't  XXXX  they were a debit consolidator. Here is there number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
On  XXXX   XXXX ,  XXXX , I contacted Monterey Collections at  XXXX  in response to a debt collection notice dated  XXXX   XXXX ,  XXXX , from  Monterey  Collections for their  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Account No.  XXXX , in the amount of {$1200.00}. The original amount of the debt to  XXXX  was {$1100.00} from  XXXX   XXXX ,  XXXX , and payments were made to  XXXX  through their website between  XXXX   XXXX  and  XXXX  of  XXXX  until the amount was paid off.     The collection agent I spoke with was extremely rude to me and refused to let me speak or even finish a sentence. When I told him that I was disputing the debt, and that the original amount of the debt was less than the collection notice, not to mention all the payments, he said that I would have to provide proof of payment to  XXXX , rather than him requesting same from the company.     I also told him that the collection notice had an incorrect name for me, and he said it did n't matter. Throughout the conversation, he bullied me, would n't let me speak, talked over me, was harassing and ruder than anyone I have ever dealt with over the phone and caused me to be extremely anxious and in emotional distress.     He refused to let me talk about the facts or numbers in question and kept saying that he would have to get a copy of the original agreement. Collection agencies should have proof that a debt is actually owed before they start harassing citizens. Also, when a consumer disputes a debt, there should be a professional response from the collection agency, not bullying, condescension, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores . One of th ose factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in  2016 and the most recent one by the mortgage broker. I was concerned, so I requeste d my credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: MO

Complaint narrative:
I receive daily calls at my employer from  Atlantic Credit , a company for which I have never done business with. I find this repetitive attempt to collect a debt, that I do not believe I owe  Atlantic Credit , harassment and I feel my employment is in jeopardy as a direct result of these repetitive phone calls.

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 2017-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Williams & Fudge, Inc
State: SC

Complaint narrative:
I am reporting multiple incidents involving one of your employees. The most recent incident was X/XX/2017 around XXXX XXXX. XXXX XXXX is the person that has called me, my fianc, and my father numerous times, regarding a student loan. About a month ago, he was calling up to 6 or 7 times per day about balance of {$800.00} from XXXX XXXX College. I immediately contacted my father and we paid the debt from XXXX XXXX. Today, he called me again but this time he said it was regarding a {$50000.00} debt to the company he works for. I have always tried to offer any information I could and resolve the issue. I am paying my student debt in monthly payments so I had questions as to why I was receiving so many phone calls from XXXX XXXX and why he was so aggressive over the phone. When I asked for more information, XXXX XXXX said he " did n't know why the numbers were so high '' and that I could be imprisoned for not settling this debt right now. I continued to ask for more information since I was clearly taken back by this news. XXXX XXXX replied by telling me that if I did n't " resolve the issue '' before XXXX XXXX tonight with him that there would be consequences. I wanted to bring this issue to your attention since I 'm sure your company does not condone this kind of unprofessionalism. <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended   XXXX   college from  XXXX  of  XXXX  until  XXXX  of  XXXX . I was on an   XXXX  scholarship  that paid 75 % of my tuition. So I needed a loan to cover the other 25 %, which was about {$3000.00}. This is the only student loan I should have. The following year I was given more scholarships for   XXXX   and I joined the   XXXX    and   XXXX   programs. With both of those programs they covered the left over 25 %. For my  sophomore and junior year I moved off campus so if anything my tuition should have went down. For some reason the school took out another {$8000.00} loan my Junior year. I never saw any of that money and I never signed for it. When I told navient this they sent me a promissory note that I signed my freshmen  year for the {$3000.00}. They advised that once I signed that letter my freshmen year I do n't have to sign anything again for them to take another one. So basically they can take a loan when they want once you sign a promissory note. It doesn'the seem right to me. I should have had to sign something for them to take out {$8000.00}. I even tried to go to the school to get some paperwork from back them and they could not provide me with any. I 'm not disputing the {$3000.00}. I know I owe that but I should n't owe the other {$8000.00}. I never needed or saw it applied to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC.
State: TX

Complaint narrative:
The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had sent {$65.00} on  XXXX   XXXX     2017  to  XXXX . When the beneficiary went to pick up the money they had told her that the order of her name did not match the order they had and she could not collect the money. When I found out of the problem I wen t to Wells Fargo we re I had sent the money from on the XXXX , XXXX , and the  XXXX  of  XXXX   2017  and every time I went they told me they could not do anything and this is not the first time this has happened.I would like to get this problem fixed since the money is really needed by the beneficiaries.

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