vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX   XXXX  did n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practic es Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a  small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX , Experia n &   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my   XXXX   and TransUnion reports.

  XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX 
  XXXX   XXXX  
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: SECOND
MORTGAGE
Date Updated:   XXXX   
Payment Received:   XXXX   Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   
Pay Status: >Account paid in Full; was
a Charge-off<
Terms:  XXXX  per month, paid
Monthly for 180 months
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in  XX/XX/XXXX  and in   XXXX   for   XXXX  <
High Balance: High balance of  XXXX  from   XXXX    to    XXXX  ;   XXXX   from  XX/XX/XXXX  to   XXXX  
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX     XXXX       XXXX    XX/XX/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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my Equifax and  XXXX  reports.   XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX 
  XXXX   XXXX   Date Opened:   XXXX  
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type : SECOND MORTGAGE 
Date Updated:   XXXX   
Payment Received:   XXXX  
Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   
Pay Status: >Account paid in Full; was
a Charge-off<
Terms:  $   XXXX   per month, paid
Monthly for 180 months
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in   XXXX   and in
 XX/XX/XXXX  for   XXXX  <
High Balance: High balance of   XXXX   from   XXXX    to    XXXX  ;  XXXX  from  XX/XX/XXXX  to   XXXX  
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX     XXXX       XXXX    XX/XX/XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have received debt collection letter from "  American Express   XXXX   XXXX  '' regarding Credit Card account that has been opened on my identity but I never actually opened it.     As American express detailed account number have last  XXXX  digit "  XXXX  '' and balance of {$4500.00} In my further inquiry about subjected account, I 've found out that a credit account has been opened on my name on   XXXX   XXXX   and closed on   XXXX   XXXX  . However I never opened such account and do not recognize any transaction from that account. Hence someone else must have opened a fraudulent credit card account on my stolen identity.     My name is  XXXX   XXXX  and I am a resident of   XXXX   XXXX   XXXX  , NY- XXXX . My appeal is to investigate this fraudulent account and fraudulent charges on my account as soon as possible. Also please advice me how to deal with this fraudulent debt collectors.     I 'm attaching copy of debt collection letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: DISCOVER BANK
State: TN

Complaint narrative:
This account was set up without my consent. It was a student account. The charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with   XXXX   and  XXXX .

DISCOVER FINCL SVC LLC # XXXX 
  XXXX   XXXX   XXXX    XXXX , DE  XXXX 
  XXXX   XXXX  
Date Opened:   XXXX  
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:   XXXX   
Last Payment Made:   XXXX   Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX  
>Maximum Delinquency of 120 days in   XXXX   and in
 XX/XX/XXXX <
High Balance: High balance of   XXXX   from   XXXX   to  XX/XX/XXXX 
Credit Limit: Credit limit of   XXXX   from   XXXX   to   XXXX  
Estimated month and year that this item will be removed:  XX/XX/XXXX 
  XXXX     XXXX    XX/XX/XXXX    XXXX    XX/XX/XXXX  1

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-Minnesota Management Services, Inc.
State: MN

Complaint narrative:
In  XXXX , I was stuck on high deductible medical plan when my son   XXXX   XXXX   XXXX  . We incurred roughly {$3000.00} in expenses for multiple   XXXX  . Provider referred account to Collection Resources  XXXX   XXXX .  XXXX , Minnesota. I received a call on from them in the summer of  XXXX . We worked to resolve over time and I thought that we had, however, their understanding of resolution was not the same as mine and I received a bank account debit in the amount of {$2400.00} on  XXXX   XXXX ,  XXXX  without warning or notification. I contacted the firm and asked to resolve in a manner that would not overdraw my account, mean that I am unable to pay for planned car repairs which will impact my ability to get to work and also require juggling of payments and accounts to avoid missing other payments ( such as mortgage ). I was told that they would not negotiate on this and were going to keep my money. My complaints with the firm   : 1. Was told during phone call by representative that they would be unable to enter into a payment arrangement that did not include accounting for payment of balance in full within a fixed time.
2. I was forced to be evasive about ability to pay as a result of # 1 above and veiled threats connected to it. Event  ually, we agreed to a plan in which I would pay {$40.00} per month and make a final payment in full in  XXXX ,  XXXX . During that call the representative listed all of the debit dates but ended that series and mentioned a " final payment '' rather than another debit on  XXXX   XXXX ,  XXXX . It was my understanding that the " final payment '' was to be made by me or at least agreed upon with some warning. Not that I was committing to them debiting my account on a future date for an amount that is greater than my house payment.     3. Even had I agreed to such a payment ( which I firmly believe that I did not ), I do not believe that debiting a large amount without advance notice ... and not a recurring monthly amount ... is not ethical. Had I assented to this debit ( which I did not ), CR was attempting to prey and the fact that I had forgotten. They got the money and ran. A simple {$1.00} letter reminding me that they thought that I had agreed to pay {$2500.00} to them at a time when it would be clear to me would have avoided any confusion, however, this was clearly an attempt to grab money without the knowledge or informed consent of their victim.

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 2017-05-05 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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE CARD did  n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a s mall claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX ,  XXXX   XXXX   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

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

Complaint narrative:
This account was set up without my consent. It was a student account. The charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with  XXXX  and TransUnion.

  XXXX   XXXX   XXXX   XXXX   # XXXX 
  XXXX   XXXX   XXXX   XXXX   DE  XXXX 
  XXXX   XXXX   
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX   
>Maximum Delinquency of 120 days in   XXXX    and in
 XX/XX/XXXX <
High Balance: High balance of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Estimated month and year that this item will be removed:  XX/XX/XXXX 
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/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 2017-05-05 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: TN

Complaint narrative:
This account was set up without my consent. It was  a student account. Th e charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with Equifax and  XXXX .

  XXXX   XXXX   XXXX   XXXX   #  XXXX   
  XXXX   XXXX   XXXX   XXXX  , DE  XXXX 
( XXXX )  XXXX 
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of  120 d ays in  XX/XX/XXXX  and in
 XX/XX/XXXX <
High Balance: High balance of $  XXXX    from    XXXX   to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Estimated month and year that this item will be removed:  XX/XX/XXXX 
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX       XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
I am very concerned with this mortgage company. The first loan was paid in full and even lien's were paid. One reporting agency is stating that the loan is closed and the other is stating that it is not. I went through a Deed in Lieu procedure and even closed on the property at the bank,  XXXX . Please have the reporting agencies remove all late dates and times from their reports.  XXXX  and  XXXX . Furthermore, please have Nation Star report this correct closing and no late payments to my report. That is the fair resolution.


NATIONSTAR MORTGAGE LLC # XXXX 
  XXXX   XXXX   XXXX   XXXX    XXXX , TX  XXXX   (   XXXX  )   XXXX   
Date Opened:  XX/XX/XXXX  Re sponsibility: Individual Account
Account Type: Mortgage Account
Loan Typ e: CONVENTIONAL REAL ESTATE MTG Da te Updated:   XX/XX/XXXX  
Payment Received: $ XXXX 
Last Payment Ma de:  XX/XX/XXXX  P ay Status: >Account  120  Days Past
Due Date<
Terms:  XXXX  per month, paid
Monthly for  360 m onths
>Maximum Delinquency of 120 days in  XX/XX/XXXX  f or   XXXX   and in   XX/XX/XXXX  fo r  XX/XX/XXXX <
High Balance: High balance of   XXXX    from   XX/XX/XXXX  to  XX/XX/XXXX ;      XXXX   from    XX/XX/XXXX   to  XX/XX/XXXX   Estimated month and year that this item will be removed:   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Western-Shamrock Corporation
State: GA

Complaint narrative:
On my second payment, I called to make it early, and the lady said their machine was acting up and double charging people, so she could n't take my payment. I went out of town the next day for work for 20 days. I did n't take my card because I did n't want to lose it, and we got per diem for work, so I did n't need it. I called yo pay when I got back yo town and they were charging late fees. I explained that I had no problem with paying, but I was not responsible for the fees because I tried to pay early. He said they would n't take the fees off, so I said i was n't going to pay. The problem comes when they continuously call my mother, my reference, and do not call me. I told them on  XXXX   XXXX  to call me, and they called her again today  XXXX   XXXX . The guy just laughs and tells me i need to pay.

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

Complaint narrative:
I was denied from a lender for " too many inquiries '' on my Equifax Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Equifax Credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason : 1.   XXXX   XXXX    XX/XX/XXXX   2 .   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX   3.   XXXX   XX/XX/XXXX  4.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX   5.    XXXX   XXXX    XX/XX/XXXX  6.   XXXX   XXXX     XX/XX/XXXX  7.   XXXX   XXXX   XXXX    XX/XX/XXXX  8.   XXXX   XXXX     XX/XX/XXXX  9.   XXXX   XXXX    XX/XX/XXXX  10.   XXXX   XXXX     XXXX     11 .   XXXX   XXXX   XXXX    XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
After filing my first complaint due to numerous telephone calls and not getting a response, This complaint is being filed as an additional amount of extensive telephone calls have been made to get information on a  Quiet Title Action th at is currently pending. We need an assignment or a corrective lien release -- We need to know the status of the  Quiet Title Action.

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 2017-05-05 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am in need of assistance in straightening out my accounts with your organization. I have called multiple times and get the same answer yet my balance is not corrected! I keep getting told it will b e 5-7 b usiness days to fix the issue.its been nearly  2  weeks and my Stafford loan balance is still not correct. I made an extra {$700.00} payment to the  Stafford Loan  specifically and someone there arbitrarily decided to split the payment between the accounts!   XXXX   XXXX    XXXX  verified the payment was sent, yet the Stafford account is still today NOT showing the correct balance of {$1300.00}.   I noticed today a class action lawsuit is in the works regarding this same type of issue! This needs to be fixed and shouldnt take fifteen calls to your call center in the  XXXX  and the aggravatin g 3  minutes it takes just to connect to a live person!   PLEASE HELP!      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I received my report in the mail and noticed multiple inaccuracies. I have disputed this account ( XXXX XXXX XXXX XXXX ) time and time again. I have advised them that the account is reporting inaccurately. The account is reporting inaccurate amounts. The account balance has n't changed for 2 years when payments have been made monthly! i requested verification on how the company was verifying that the account is reporting accurately and Experian has not provided that information. And now the company has completed yet another fraudulent act they have changed the account balance from XXXX to XXXX. I have advised Experian over and over and have not received any relief for this account it needs to be removed from my credit report. it is reporting different information to each credit bureau which is a major violation. I have also disputed MULTIPLE times both XXXX XXXX XXXX  accounts ( XXXX ) the are reporting inaccurate payment history and also reporting different information to each credit bureau i also requested Experian to provided how they verified the account as reporting accurate and they have yet to provide that information.This account needs to be removed ASAP The next account is XXXX XXXX ( XXXX ) I have NEVER done business with this company. I have told Experian that multiple times and still they advise that the company has verified the account and i have requested proof of verification and i have not received that either. Also a closed account can not report as late!. This account needs to be removed ASAP

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