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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I spoke to   XXXX   XXXX   supervisor in the special handing department for trans union in let him know that I was affected by the glitch they had in there system for inquires where thy where taking off my credit report in reinserted without notifying me within 5 days he said I was the 100 person to called about the issue in he ca n't do nothing about it

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: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc
State: AZ

Complaint narrative:
ABC Financial Services keeps calling my phone number and sending letters demanding payment of {$10.00} and {$9.00} biweekly even they were notified by me and the XXXX XXXX XXXX Downtown  that Agreement # XXXX Member # XXXX was terminated on XXXX XXXX, 2017 due to XXXX non-compliance to provide items as per agreement for the XXXX Shower floor mats, and other items, and due to the abusive racial slurs made directed to me, a XXXX years old senior citizen with XXXX XXXX. XXXX have accepted the termination of this agreement, therefore, there is no longer charges of dues.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I called the automated number  XXXX  and was denied a report by normal means. They are circumventing the rules. The system is set up force you to pay for your free copy because it does not answer when prompting for your free copy.

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 — Information belongs to someone else
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I recently pulled my credit report and notice a fraudulent account on my credit profile by the name of Ability Service Recovery. I called and sent in several certified letters in the mail which I still have n't received any responses back from the company. I received several threatening calls from this creditor at my job and my cell phone. I feel threatened and disrespected. Now I 'm at a point where I am fed up and looking to file a law suit against   XXXX   and the creditor because it 's an error and it 's a fraudulent account.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in XX/XX/XXXX  so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in  XXXX  so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off

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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in   XXXX   so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted TRANSUNION bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave or if it was a problem with transuniion system error recently, I deal with a lot of foreigners so I 'm not sure if this is fraud or just a error with trans : I should only have   XXXX   KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX !!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED TRANSUNION AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :   XXXX   XXXX   XX/XX/XXXX    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   XX/XX/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  XX/XX/XXXX   XXXX    XXXX   XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX  XX/XX/XXXX  THESE ARE NOT MINES AS AT ALL /NOR AM I AWARE OF ANY OF THIS, LAST YEARS REQUEST :  XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
Summary of complaint or question : Navient keeps bothering me telling me I owe them for student loans. I am on a program with  XXXX . This has been going on for months so to list dates and such would be hard. If someone could call me it would be better.

Company response to consumer: Closed with explanation
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: CITIBANK, N.A.
State: CA

Complaint narrative:
My niece   XXXX   XXXX   using my Mothers ' name illegally, dated XX/XX/XXXX  &  XX/XX/XXXX  was able to receive several years of transactions of a joint account between myself and my Mother.
This fraudulent and identity theft action by my niece has caused a financial loss of approximately {$43000.00}.
CITIBANK has offered an apology for not contacting me of the invasion of my account, and the distribution of all the data without a subpoena.
My Mother passed away XX/XX/XXXX , thereby leaving me the sole owner of the account as the survivor.
correspondence letters attached.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On  XX/XX/XXXX  I made a deposit of {$4800.00} in the ATM the receipt said funds would be available in 2 business days. In 2 days it was not available. I went on line and it had a hold until  XX/XX/XXXX . I contacted the bank they said the check was not endorsed so they had to wait for the funds to clear. I contacted the individual who wrote the check. He said that the check cleared his bank on  XX/XX/XXXX . I contacted the bank they said it did n't matter they could change the release to XX/XX/XXXX . My business is suffering because I ca n't order the parts  to build   the    XXXX   that were bought with that check. The release date is after the date the   XXXX   is to be completed which means I will have to refund money that I have no access to. The bank has no right to hold money from me that they received the day after the check was deposited. There are fees on my account because there are things trying to go through because of funds are not accessible. This is not the first time this has happened.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
On  XX/XX/XXXX , I contacted the  XXXX  credit reporting agencies, Equifax,  XXXX , and  XXXX  to ask to remove only the dispute for   XXXX    acct per my lender request. Equifax is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by Equifax. The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once Equifax did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.

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

Complaint narrative:
Fedloan servicing automatically processes any overpayment into a pre-payment bucket that reduces the next month ( s ) payment. This ensures the consumer receives no principal reduction or any benefit whatsoever from making larger monthly payments to reduce the time and interest expense. Also, the only remedy they offer is to remove the pre-payment option. However, you may find that they reinstitute it a year or 2 later because the removal was not 'permanent '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
I received a collection notice from First Source, original creditor is  XXXX . I have disputed this account multiple times as I have no knowledge account and have requested   XXXX   provide validation of debt. Instead   XXXX    keeps selling the debt to different agencies and as soon as I ask for proof they sell it to another agency starting the dispute process all over again. The collection notice that First Source sent to me violates FCRA. This is the first notice I have ever received and it does not make a statement in the collection notice that I have the opportunity to dispute debt in writing. Please stop allcollection activity until debt is validated.

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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Having met the promotional offer requirements, I am eligible for 30,000 Delta skymiles. American Express is contending that I am not eligible because I had a similar card in the past. Although I applied for the card under the promotional offer, Amex did not inform me at the time of approval that I would not be eligible for the promotional offer. Only after inquiry, Amex is now telling me that I had a similar card in the past.

Company response to consumer: Closed with non-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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
THIS IS MY 3RD DISPUTE TO EQUIFAX AND   XXXX   IN REFRENCE TO THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I HAVE MAILED CERTIFIED LETTERS TO EVERY CREDITOR MENTIONED AND NO RESULTS. I AM REQUESTING THAT THESE FRAUDULENTS INQUIRIES BE REMOVED SOME WERE MADE 2 AND 3 DAYS IN A ROW WHICH DOESNT MAKE SENSE THAT I WOULD REQUEST MY CREDIT TO BE PULLED BACK TO BACK. I CONTACTED THE LOCAL CITY POLICE DEPARTMENT AND I HAVE FILED A POLICE REPORT THIS IS FRAUD AND UNAUTHORIZED. THERE ARE OVER   XXXX   INQUIRIES THAT I DID NOT AUTHORIZE AND I HAVE SPENT OVER 60.00 SENDING OUT XERTIFIED LETTERS TO EACH CREDITOR WHICH I SENT COPIES TO EACH CREDIT BUREAU SHOWING I DID MY PART. AT THIS TIME I AM ASKING THAT THE FOLLOWING INQURIES BE REMOVED FROM MY CREDIT FILE THAT I DID NOT AUTHORIZE. EACH CREDIT BUREAU HAS A COPY OF MY FORMAL POLICE REPORTS FROM IDENTITY THEFT. MOST OF THE INQUIRIES WERE FOR ONLINE AUTO LOANS. PLEASE REMOVE FROM CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: WY

Complaint narrative:
To whom it may concern, We are contacting you, with the hopes that you will assist us in resolving a very unfortunate matter that has happened between us and our lender, Midland Mortgage.
As a result of a medical hardship and defaulting on our mortgage, back in   XXXX   of 2017, we applied for mortgage assistance with Midland on  XX/XX/XXXX . We heard NOTHING from them, until  XX/XX/XXXX  when I received a denial letter.. with no explanation.
When I called Midland, I was told that our home had been sold on  XX/XX/XXXX .
On  XX/XX/XXXX I received a letter stating I still had time to save my house.
I received NO Notification of Sale, I also never received Notice of Publication and when I looked on my own, I only found 2 publications. the requirement is publication, being 4 weeks in Wyoming.
When we spoke to Midland on  XX/XX/XXXX , we told them that the sale of the house must have been done illegally - and they hung up on us. We called back on  XX/XX/XXXX  and when we brought up the improperness of the sale, Midland hung up on us a SECOND TIME.
To complicate matters even more - this sale was conducted in   XXXX   XXXX   County. We live in   XXXX   XXXX  . I 'm not an attorney, but I do believe that makes the sale null and void. They are currently being represented by  XXXX  and   XXXX   and we are getting little to no cooperation from them either - they have hung up on us, when we called on  XX/XX/XXXX  for information.
This complaint is being filed, not only with the Consumer Financial Protection Bureau, but with the Consumer Complaints division of the Wyoming Attorney General 's office.
Please contact us immediately, so that we may resolve this matter and go back to the table in good faith negotiation with Midland Mortgage.
Sincerely,   XXXX   XXXX     XXXX     XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have been trying to work with this company for the past year dealing with this issue. This is not my credit cad, I have never had any type of capital one credit card. Matter of fact, I just applied for a   XXXX   XXXX   card. They are falsely reporting {$860.00} owed to Midland Funding. I do not owe Midland funding anything. I have no contract with Midland Funding. I have asked Midland Funding several times to give me verification and validation of this debt, and all they keep sending is a bill for {$860.00} with payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a XXXX rental car purchase ( Recommended by Chase ) via XXXX XXXX XXXX. When I was at rental car place the invoice came out to be {$220.00} and I was told that " everything was prepaid ... [ I ] have to signed the contract to pick up the car. '' After two weeks, the charged show up on my credit card and when I called CHASE to dispute the charge, after 4 hours of waiting CHASE was not even tried to help me but referred me to XXXX and closed my dispute without solution! After I called XXXX, the rental car service said I signed contact and the charge is not disputable. Now a helpless consumer, I have to pay for this scam hosted by TWO COMPANIES, CHASE ( refer and protect their partner ), XXXX ( force you to sign misleading contract, and so called protected by LAW ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Having met the promotional offer requirements, I am eligible for 30,000 Delta skymiles. American Express is contending that I am not eligible because I had a similar card in the past. Although I applied for the card under the promotional offer, Amex did not inform me at the time of approval that I would not be eligible for the promotional offer. Only after inquiry, Amex is now telling me that I had a similar card in the past.

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 was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
On  XXXX   XXXX , 2017, I contacted   XXXX   in reference to {$200.00} collection debt that is placed on my credit report. The amount was  XXXX  out by  XXXX . I contacted   XXXX   XXXX   XXXX   .  on  XXXX   XXXX , 2017 and spoke with   XXXX   XXXX   XXXX   to have the negative entry removed from all  XXXX  credit bureaus.   XXXX   XXXX   XXXX   asked me to email him proof of the returned equipment and he was going to rectify the problem, No change was done. I sent another email on   XXXX     XXXX , 2017 and received no response.

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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$4100.00} with   XXXX   and   XXXX   credit reporting agencies. I requested verification of the debt and account however the business 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 pay for the alleged debt.

Company response to consumer: Closed with explanation