vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Called Navient about grace period. They stated that I already used my grace period and I advised thats impossible. I was in school from XX/XX/XXXX until XX/XX/XXXX. All of my other loan lenders have me in a 6 month grace period but Navient refuses to help is trying to collect on my loans with them. I should be in grace period until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
THESE XXXX FIRST HACK MY BANK TO COLLECT THE FULL AMOUNT OF A LOAN I WAS MAKING PAYMENTS ON WITHOUT NOTIFYING ME AND NOW THEY CLOSED MY ACCOUNT FOR 60 DAYS BEFORE, SO I APPLIED AGAIN AND THOSE NASTY JEALOUS XXXX STALKING MY ACCOUNT BLOCKED MY ELIGIBILITY FOR NO REASON AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: NJ

Complaint narrative:
My friends and I were visitng XXXX and purchased gemstones from a jewler on XX/XX/XXXX and XXXX 2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of XXXX. We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by XXXX to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Chase ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. X/X/17- {$4400.00} X/X/17- {$800.00}, {$5200.00}, {$1000.00} Copy of correspondence with the bank is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MD

Complaint narrative:
They do n't have the right to collect in the state I reside in which is the state of Maryland. The address that comes up on my credit report is  XXXX , FL. Also, on my credit report the full does n't appear either. It says Enhanced Recovery Compan instead o f Enhanced Recovery Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: TX

Complaint narrative:
I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond. XXXX XXXX, XXXX - Opened XX/XX/XXXX, should be also deleted since it is seven years old. XXXX XXXX XXXX, XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX, XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX. <P/>These XXXX accounts below on my Transunion are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my XXXX and Transunion I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies. <P/>XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - is reporting on my XXXX report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report. <P/>XXXX XXXX XXXX account - Opened XX/XX/XXXX, is paid in full.

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 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On X/X/2017 I mailed a dispute letter to TransUnion regarding a Tax Lien showing on my credit report. TransUnion signed for this letter on X/XX/2017 as proven with USPS tracking ID : XXXX. <P/>On X/XX/2017, I received a notification that the tax lien was " verified '' Absolutely no documentation or proof was sent with this " verification '' notice that the debt is mine or is being reported accurately. <P/>On X/XX/17, I sent yet another letter to TransUnion, requesting their method of verification, the name and telephone number of who they verified the information with and specific instructions to provide me with the documents that support their reporting. TransUnion signed for this letter of X/XX/2017 as verified with USPS tracking ID : XXXX. <P/>Today, X/X/2017, I received yet another notification that this tax lien has been " verified ''. Again NO DOCUMENTATION WAS ATTACHED TO SUPPORT THE REPORTING OF THIS PUBLIC RECORD. <P/>The Resolution Summary states the source of the public record is a courthouse, however, upon contacting the courthouse listed on my credit report prior to filing the dispute, they stated the court does NOT report to the credit bureaus and therefore, could not help me with the issue. To further complicate matters, TransUnion then sent a separate letter on X/XX/2017 stating they use a third party to verify their information but did not list who that third party is. As a consumer, I have the right to know, who is reporting negative information against me and where that information came from. <P/>As I read through the new credit report provided to me today ( X/X/17 ), the tax lien listed states that the information was updated on X/XX/2017 ( which is the day they signed for the second letter ) which indicates to me, no further validation was done on this item in question after my second letter was received.

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 2017-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Hello, I am writing this message because I am having a problem with the transunion credit bureau. As im going over my credit reported dated XX/XX/XXXX. Ive noticed multiple inquiries on my report that I have not authorized. Now by reading and doing some research there were a glitch in their system which occured, so that may have an effect on this matter. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to give me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification. I called today and spoke with a XXXX and XXXX, and was told I had to send a letter to the creditors. Here are the inquiries listed XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( i have XXXX account with them, not XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/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 2017-07-09 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: NJ

Complaint narrative:
My friends and I were visitng XXXX and purchased gemstones from a jewler on XX/XX/XXXX and XXXX 2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of XXXX. We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by XXXX to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Chase ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. XX/XX/XXXX- {$4500.00} Copy of correspondence with the bank is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: TX

Complaint narrative:
I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond. XXXX XXXX, XXXX - Opened XXXX, should be also deleted since it is seven years old.
XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX. <P/> These XXXX accounts below on my XXXX are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my Equifax and XXXX I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies. <P/> XXXX XXXX XXXX XXXX Opened XXXX XXXX - is reporting on my Equifax report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report. <P/>
XXXX XXXX XXXX account - Opened XXXX XXXX, is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: TX

Complaint narrative:
I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond.
XXXX XXXX, XXXX - Opened XXXX, should be also deleted since it is seven years old.
XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX.
<P/>
These XXXX accounts below on my XXXX are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my XXXX and XXXX I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies.
<P/>
XXXX XXXX XXXX XXXX Opened XXXX XXXX - is reporting on my XXXX report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report.
<P/>
XXXX XXXX XXXX account - Opened XXXX XXXX, is paid in full.

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 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX   XXXX  accessed my credit file on  XXXX   XXXX ,2017 without my permission. I have contacted them via mail, email, fax and phone to notify them that I had not given them permission to access my account. They have failed to remove this inquiry as requested. I have provided them all the information necessary to address this issue to no avail. They have this inquiry still placed on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
As of XXXX XXXX, 2017 Hyundai Finance is reporting a negative credit reporting to the XXXX XXXX XXXX XXXX and Monitoring that payment is pass due in the amount of {$890.00}, Ref [ Case number : XXXX ]. I have not received any billing in the U.S. Mail or Email for the pass due amount and not a response to my last submission referring to the Hyundai Car Registration Payment and the Early Termination Fee ; which was not a bill. Hyundai Finance first stated that payment was made in full, no payment was due, not even the early termination fee. [ Case number : XXXX ] reference that XXXX XXXX XXXX did not make the full payment as first reported and now request that I make the payment as disputed, which was confirmed again the payment was made in full. I noted that there was a disputed within the XXXX XXXX XXXX XXXX regarding the Trade-in which I received a letter from XXXX XXXX XXXX asking that I return XXXX XXXX because finance was not approved as of XXXX XXXX, 2017. I received the certified return receipt notice dated XXXX XXXX, 2017 in my mail box 15 days after the date of the letter along with several Letters regarding denied finance for the XXXX XXXX. When I did bring the XXXX XXXX to turn it in, XXXX had agreed to Finance the Auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I have made several attempts to get resolution since XXXX to current. No matter what the companies name was at the time XXXX XXXX, XXXX XXXX XXXX, Conserve, Ombudsman, etc No avail EVER.
<P/>
My wages and Taxes are being garnished, I really do n't understand why both are being taken I have asked that multiple times. I still do n't have an answer to why the last payment arrangement XX/XX/XXXX with Concerve ( ph # XXXX XXXX XXXX XXXX ) that was set up and money was withdrawn from my account ceased.
<P/>
XXXX Ombudsman had someone name XXXX XXXX assisting me at one time I was told yes I have a case XXXX had made contact with a supervisor of the collector at the time. I kept writing and requesting a hearing to stop pay/tax garnishments and to also request to only contact me at XXXX XXXX XXXX ONLY. ( never happen ). The alleged hearing was pending and no more information after that. Another garnishment.
<P/>
I have made several complaints / request for assistance thru Ombudsman to no avail. I receive a generic letter stating issues were resolved however, they were never properly looked into.
<P/>
I contacted Ombudsman on another occasion to request a different investigator whom also did not assist me.
<P/>
My Recent attempts was on XX/XX/XXXX. I called XXXX XXXX XXXX I was advised as long as I pay I would receive over {$1100.00} off of my debt. I called XX/XX/XXXX spoke with someone name XXXX ID # XXXX when I asked about the {$1100.00} the line was disconnected. I called about got another XXXX the line was dropped again.
<P/>
I have a garnishment which has already caused a financial strain on my household. I can not borrow another {$1.00} from anyone. I am being over charged with these garnishments. I can not afford my household expenses ( food, bills, Car Note ) and everything is behind and past due.
<P/>
I have requested my payment be lowered to {$100.00} bi-weekly. I am not getting assistance from anywhere.
<P/>
I would like to know whom the regulators are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: AL

Complaint narrative:
Kay Jewelers reflects I opened an account o n  XX/XX/XXXX  which is not true. I have contacted them numerous times over the past 5 years. They have failed to act and state I owe them {$1000.00} which is simply untrue. I have called them well over 30 times this year alone and countless times years past. I have sent them faxes, emails, and letters to have this issue resolved. The latest set of letters were sent in  XX/XX/XXXX ,  XX/XX/XXXX and  XX/XX/XXXX . Kay Jewelers which parent com pany is  Sterling Jewelry  have failed to operate in good faith when someone who was obviously a victim of identity theft notifies them of such and tries to have said theft removed from their credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: FL

Complaint narrative:
I was denied from a lender due to " too many inquiries '' from Equifax. I was alerted by that, therefore i proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Equifax and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Date opened :XX/XX/XXXX Date reported : XX/XX/XXXX Delinquency first reported XX/XX/XXXX Amount : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I contacted Experian as they erroneously reported a Chapter  XXXX  Bankruptcy on my credit report. I have tried to have this erroneous information removed for well over 3 years. I have called, emailed, uploaded documents to their website, and sent them numerous certified letters to no avail.

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 2017-07-09 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: GA

Complaint narrative:
This letter is to inform you that XXXX, XXXX and Transunion have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX XXXX X/X/16 XXXX XXXX XX/XX/16 XXXX XXXX XX/X/16 * XXXX XXXX X/XX/16 XXXX X/XX/16 * XXXX XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX XXXX X/X/16 XXXX X/XX/16 * XXXX X/X/16 XXXX XXXX X/XX/16 * XXXX * XXXX XXXX Thank you, 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