vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
1 year and a hAlf ago .. . .I req uested and received my credit report and notice numerous accounts that were inaccurate, erroneous, outdated, beyond  statue of li mitation, and JUSE Not MINE..and put a FRAUD ALERT ON MY REPORTS.I wrote all three credit bureau 's disputing the NEGATIVE ITEMS . .. .I Rec eived numerous responses stating items were 'VERIFIED'..However when I exercised my FCRA RIGHTS and requested VALIDATION..METHOD OF VERIFICATION, OR CONTRACT BEARING MY SIGNATURE from the  XXXX  CREDIT BUREAU 'S . (   XXXX  ... .. XXXX ..EXPER ) ..TO THIS DATE   XXXX   XXXX    2017..I H AVE NOT RECEIVED NON OF MY FCRA LEGAL ENITTLEMENTS .. . ..I am bein g VIOLATED and I need help and assistance. ... ..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 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES
State: FL

Complaint narrative:
{$5000.00} loan has a balance owed now over {$50000.00}. I have been consolidated to Great Lakes and in forbearance for many years now. I work, but could n't afford {$400.00} plus each month so they put me on income repay at {$140.00} per month but with hardships they put my debt on the back end and capitalized the interest and auto forbearance every three months. I ca n't afford repaying all this interest and penalties!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ERC
State: MN

Complaint narrative:
Date of Opening Account requested, plan of service, history of plan to prove this account should be removed ENHANCED  RECOVERY CORP  Balance {$25.00} Original Creditor :  XXXX  High Balance  XXXX   XXXX ,  XXXX  Opened Date  XXXX   XXXX ,  XXXX  Last Reported Individual Account.     Remove from my report Immediately

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I do n't know if my case is not that unusual. But I would like to be clarified with this please.   I have defaulted mortgage payments for family reasons. The bank of America foreclosed my property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL  XXXX    XXXX   XXXX   XXXX   XXXX  . I sent a cheque ( number #  XXXX   ) to  pay for the arrears but they returned the check because they want me to do the reinstatement process instead. They sent me reinstatement calculation dated  XX/XX/2017    at  XXXX  an amount of {$12000.00} which I though was very large amount so I borrowed money from my wife and relatives to pay. On  XX/XX/2017    at  XXXX , the bank o f America s ent me again a reinstatement calculation which I believe is the correct one with the amount of {$9300.00}. I called the bank  of America and spent 4 hours being transferred to 4 departments. One su pervisor told me that they will reimburse or send me the difference of the  XXXX  reinstatement amount which is $ {$3300.00} in  7 b usiness days. After 12 days, I called again because I did not receive a check. This time I spent  5 hour s on the phone transferred to every department in the ban k of America. One supervisor l ady told me that there is no such thing as reimbursement. I want to get back the overpayment that I have made. Kindly educate me please.    XXXX , bank  of America mortgage costumer Loan Number  :  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 2017-04-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
On  XXXX  .17 I ag reed to a purchase in the total amount of {$2500.00} from  XXXX   XXXX . I also took advantage of their advertised  12 mo  same as cash promotion.    Late  XXXX /early  XXXX   I received a call from someone who identified themselves as being a collector from Fortiva Retail Credit. I informed the caller that this was my initial contact with Fortiva and that I had never heard of them. The caller told me I need to pay approx. {$300.00} immediately to bring my account current or a delinquency would be reported on my credit report and that the 12 months same as cash offer from  XXXX   XXXX  was no longer an option due to my being late with my initial payment. I was told the total amount of my account was now over {$2800.00}. They also told me they accept only payments directly from my checking account and I would need to use my bank debit card.   I again informed 'collections ' that I had never heard of them and asked that they at least send me some verification of who they are and their connection to  XXXX   XXXX . I was told I would receive my documentation in the mail within a week. On  XXXX  .17 I rece ived my initial piece of mail from the company with an account # and balance, address, payment information, etc. I immediately called Fortiva offering to bring my account current but only if they would honor the origi nal 12 mo sac     agreement which they refused to do. I then offered to pay the original amount in full immediately but they insisted I owed them over {$300.00} in finance charges + late fees and could not do anything about derogatory remarks on my credit.   I have since spoken with their collection department several times, not including the many calls from them prior to having received my initial statement, but they insist on payment of all interest and fees. They can not allow me to discuss the matter with customer service until the account is paid to date bringing it out of collections.   I have no recourse but to pay their fees or have my credit ruined apparently. I did an online search of Fortiva and many reviews state the company engages in this activity as a matter of practice.   I want to note that   XXXX    XXXX  was given my current address, phone # and email information. They delivered the initial purchase to me by truck approximate ly 2 we eks after my purchase, sent follow up emails, called me during the purchase process and nothing has changed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: TN

Complaint narrative:
My payments are being made as they wised. I only owe a little over  XXXX  $ left on a reposessed car and they are calling nonstop to get even more money out of me and calling family members of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have made several principle only payments to my student loans with Navient? Instead of them applying all of the extra payments toward the principle, Navient takes interest payments from the extra principle only payments and applies the remainder of the principle only payment future months payment so that they can earn interest from principle only payments. When I make these payments using Navient 's website I choose the option which allows me to make the principle only payment and I still would be responsible for the next month 's payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I joined  XXXX   XXXX  for a personal trainer, after receiving a personal trainer by the name of  XXXX . We setup payment dates which the money would be taken out on. One week prior to the first payment due, I reached out to  XXXX  to reschedule the first payment.  XXXX  was very understanding and she would let management know about the change.  XXXX  told  XXXX  another personal trainer and  XXXX  said he could change it but he never did.  XXXX  reason for not changing it was because he had personal family issues going on but that is not a good reason not to do your job plus that was unfair to me. So the {$250.00} was taken out of my account and that let me in a bind. The same day the money was taken out, I went up there to get it resolved but they were n't understanding or compliant at all. They said it is what it is and they can not do anything about it in a very rude manner. So I cancelled my membership and they still want me to pay for a gym I stopped attending the same day they refused my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CIR, Law Offices
State: CA

Complaint narrative:
I was sued and had a wage assignment for a credit card issued by Chase that I also received a  XXXX  for. The debt was cancelled, I paid taxes on it and I still had the wage assignment. I paid over {$5000.00} through the wage assignment. This was done by  XXXX   XXXX   XXXX   XXXX  and CIR Law Offices. I want to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Loan modification authorized by Chase Bank without my consent. Therefore I am not liable for this debt and Chase is not allowed to continue reporting on my credit report. Please advise Chase to comply with FCRA Sections 616 and 617. Chase sent me mortgage documents for this loan that did not contain my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Bureau of America Ltd.
State: OH

Complaint narrative:
I have a a unverified account from  Collections Bureau Of America  #  XXXX . I had previously disputed this account. I have never done business wit h Collections Bureau Of America.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15  U.S.C.1692g, I  dispute the validity of the debt purport I owe. I reque st thatCollections Bureau Of America Provide  verification o f the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Collections Bureau Of America Cease and Desist all further communications and collection acti ves and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Kross, Lieberman & Stone, Inc.
State: SC

Complaint narrative:
As this department is fully aware I am a victim of identity theft. Several debt  collectors  have ceased their reporting of these fraudulent accounts.  Kross, Lieberman and Stone is  a debt collector that has broken the law. They did not have correct information of mine and when I submitted my ID and my police report to show this they changed the information in the fraudulent account to match my good information and then went to report to the credit bureaus with correct information on me because they stole it from my good information that I gave them to prove that what they had in that account was wrongful. This is egregiously wrong and it is against the law to put good information in place of bad information when there 's a claim of identity theft.  XXXX   XXXX  is the particular agent for that collection agency and he was rude and disrespectful and he 's the one that perpetrated the fraud on their side. I have contacted the Attorney General and the FTC and now I am contacting the Consumer Financial Protection Bureau to have these people breaking the law stopped and cease and desist from their unlawful actions.   The fact that the previous collection agent stopped and then this new company got the account should show the they are breaking the law and still trying to collect on an unlawful and illegal debt.

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 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
A dispute was processed with  XXXX ,  XXXX , and  XXXX . There was not proper verifiable documentation of the alleged debt. This account was added to my credit reports without proper notice.

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 2017-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Exeter Finance, LLC.
State: NE

Complaint narrative:
The company pulled my credit without my authorization. The inquiry is reflecting on my  XXXX  and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Been getting harrassing calls fr om Monterey Financial Collections ab out a debt I have no idea about. They put it in collections without ever sending me anything in the mail to prove to me I owe anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
The company pulled my credit without my authorization. The inquiry is reflecting on my  XXXX  and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to all parties associated with the UNAUTHORIZED inquires. The company states that is is the credit bureau who removes inquiries. I reached out Experian with no result and the worst customer service dept ever. Who has no knowledge on anything and can never provide you with a supervisor. These inquiries was ran without my knowledgement. These inquiries are not for any credit offer, insurance etc. The was done online according to the companies. There is company of and id or social security card or signatures.

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 2017-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I have been hit with almost {$200.00} in overdraft fees f rom BB &amp; T. I payed s ome bills the day before my direct deposit from my employer was deposited only after checking to see if I had any pending deductions. I had no pending deductions showing on my account so I figured with my direct deposit being deposited in a few hours I 'd be safe but when I checked my account the following morning I had been hit with numerous overdraft fees, I called the bank and they said they do n't post all pending deductions daily so that 's why I was charged and there 's nothing they can do because I had  XXXX  overdraft in  XXXX  of    2016 and  they only refund  XXXX  every 24 months.I ca n't afford to pay {$200.00} in overdraft fees when I only make {$300.00} a week, is there anything I can do?

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 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On  XXXX   XXXX ,    2017 I  sent certified letters for  XXXX   XXXX   XXXX   XXXX  {$550.00} ) as well as to  XXXX   XXXX   XXXX  ( {$250.00} ) regarding  XXXX  negative items reporting on my report negative asking them to validate the debt. After 30 days, I did not receive validation and/or verification of the debt in the mail as asked. Instead both agencies ignored my request all together and did not provide verification. In  XXXX   XXXX ,    2017 I rea ched out to Experian the agency where the acounts werre reporting negative and explained to them that I previously disputed these  XXXX  accounts with original agencies and received no response. They opened up a new dispute on  X/XX/2017   . I then called today  X/XX/17    to check the status, and per Experian they received verification of these accounts. I explained that how can they receive verification and I did not receive correspondence in the mail? I asked to get a copy of the alleged verification and was denied with the staff stating that the agency does not provide that information. As a consumer if I am disputing something on my report I am entitled to copies of documentation in response to my request and both the original agencies  XXXX   XXXX   XXXX  as well as  XXXX   XXXX   XXXX  failed to provide the information requested. 30 days later, Experian a reporting agency also failed to provide verification and/or validation of debt they have reporting negatively on my report.

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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed the validity of a public record item I had noticed on my credit report and Transunion updated it as Released/Satisfied and this is not correct or true at all. I have never and will never satisfy a {$120000.00} lien. this is ludicrous. I have never been obligated to pay any type of sum and there is no such lien against me, this IRS lien was settled for just under  ten thousand  many months ago and it no longer should have any thing to do with me. This is inaccurate and illegal. the connotations of this appearing on my credit report and  XXXX  my financial life and I have not been able to financial recover. I politely disputed this and they claim to have verified it and its status yet it is grossly incorrect and fabricated. this lien is invalid and illegal labeled and appearing on my credit report. It must be removed immediately or I will seek legal action. There is ABSOLUTELY NO WAY this was verified as it does NOT exist!

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 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have been a customer with  XXXX   XXXX   XXXX  for 4 years now. I have always had internet service with them. Last year in  XXXX , my credit card was shut down due to fraud and that caused my payments to be late with my internet service.  XXXX   XXXX   XXXX  shut off my internet, and I had to re-establish my account with them after I resolved the issue. When they re-established my account, they opened up  XXXX  accounts simultaneously for the same address. I managed to get them to close  XXXX , however I was unaware of the second one that was still open. I got a message saying that I owed {$93.00} on this account. I disputed it saying that I never consented to this account being opened in my name. I had several people inform me they would remove it from my account and that it would take a " few billing cycles ''. In addition to dealing with this account, I had an offer to open up another bundled account with a home phone to reduce my current  XXXX   XXXX   XXXX  internet service bill. I did not want to have the home phone, however they opened it up in my name without my consent anyways. Now I have  XXXX  accounts,   XXXX   opened without my knowledge, and  XXXX  now having gone to collections. The home phone was charged to me as {$110.00} and the other internet for {$93.00}, all the while, I have current internet service with  XXXX   XXXX   XXXX  at my address that I am paying on time each month.  XXXX  have gone to collections. My  credit score  was  XXXX  and is now  XXXX . I am currently disputing   XXXX    delinquent accounts but not getting anywhere.

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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Victim of frau d - Criminal ha s been charged and is serving a prison sentence for this crime. Even after documentation to support this was submitted credit reporting agency refuses to delete the incorrect information according to the FCRA

Company response to consumer: Closed with non-monetary relief