vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
On XX/XX/2017 I was shopping for a wedding ring with XXXX XXXX ( Location : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ). I found a ring that I liked and there was a special running through the end of the week. The clerk suggested that I put the ring on " Hold '' using my already existing XXXX XXXX credit card but that he would only be able to hold it through the end of the week. 

On XX/XX/2017 the XXXX XXXX store clerk called me to ask if I had decided yet, I told him at this time that I had changed my mind and would not be buying the {$7000.00} ring. He told me " Not a problem, I will remove the hold on your card and put the ring back in the case ''. 

Over the last 9 months I have been arguing and deputing with XXXX XXXX who are convinced I now owe them {$250.00} including late fees and finance fees. This has had a negatively impact on my credit score, caused me much stress, and wasted considerable amounts of my time. 

Both of the " investigations '' by XXXX XXXX came back indicating that a Gift Card was purchased for {$100.00} on XX/XX/2017 and that my depute was invalid. I have never received a gift card and have never bought any merchandise from XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: NY

Complaint narrative:
I got a call at work and they left a message saying that it is for debt collection. This is very concerning because it was left at my work place and I absolutely do not owe any debt whatsoever ( nor have I ever been contacted regarding this because I am not delinquent on anything ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Genesis Credit Management, LLC
State: CA

Complaint narrative:
Every day they call and leave a message that " this call concerns a matter of important personal business. '' I've talked to one of their representatives and he says my number isn't in their system but they continue to call and leave a message every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XX/XX/2018 RE : Mishandling of escrow account by Mr. Cooper My problems with Mr. Cooper formally known as Nationstar Mrotgage started about XX/XX/2018. I have included a large file of documents relating to what they did or better stated didnt do. The net issue is that they failed to pay my property taxes with the funds that I paid them on a regular basis with my monthly payments. When they received the delinquent tax bill they used this to re-calculate my impound account payment and significantly raise the amount I had to pay monthly. I spoke finally to XXXX XXXX who worked to get that corrected and she did get some relief but they NEVER returned the excess funds I had to pay. Then I discovered that they received another delinquent tax bill so after somewhat correcting my statement they once again raised what I have to pay. 

I believe their escrow department is totally incompetent. I also believe they use coercion bordering on extortion to force me to pay this incorrect amount. They know that if I dont pay the incorrect amount they will show my payment delinquent which will have a SEVERE impact on my personal credit. They also know there is NO RUSH to fix this for the same reason. They have taken my money in BAD FAITH and they are not returning my and correcting this issue. 

When I mentioned to XXXX XXXX that since Mr. Copper charges me a late fee if I am late paying them I think they should compensate me likewise. Her comment was, We cant do that. 

My contact at Mr. Cooper is XXXX XXXX XXXX Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: TX

Complaint narrative:
I have submitted multiple letters to Equifax requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX. Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from Equifax providing the proper validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: TX

Complaint narrative:
XXXX, TransUnion, and XXXX  were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.

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 2018-09-10 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: TX

Complaint narrative:
XXXX, XXXX, and Equifax were contacted to dispute a negative reporting on my credit report. When they investigated they affirmed the negative report based on the collection agency 's affirmation that it was correct. According to the client of the collection agency it was a mistake on their part and was erroneous. You can not personally contact a credit agency to correct errors. It becomes a loop of non-contact with you continuously providing your social, address, date of birth and every time you do you expose yourself to identify theft. This must change and there must be a fair way to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: KY

Complaint narrative:
When I got a new lease of a new car from XXXX XXXX of XXXX in Spring of 2015, I was offered floor mats for a fee of {$100.00}. I declined. At the conclusion of my lease of a XXXX  XXXX XXXX, I was presented with end of lease fees. Included in those fees were ( 4 ) {$35.00} charges, totaling {$140.00}, for missing floor mats. 

I have tried repeatedly to address this with TFS ( Toyota Financial Services ), the  dealership, and the Toyota Customer Experience Team. My case # with the Customer Experience team is XXXX. The agent I have worked the most closely with on this team, named XXXX, told me over the phone in XXXX that the dealership admitted to her that they did not include floor mats in my lease. The dealership has promised me ( in early XXXX ), and XXXX, in late XXXX, that they would pay the {$140.00} fee directly to TFS, since TFS is demanding payment, despite my not having received these floor mats at any point during the lease. 

Despite their admission, and promises, the dealership has not remitted payment to TFS in the amount or {$140.00}, nor any amount. TFS claims the dealership contacted them on XX/XX/XXXX to do " research. '' The customer experience agent XXXX  claims the dealership has promised to call her back to resolve TWICE, with no call actually made. I am getting nothing but the run around and lies from the dealership, and the Customer Experience team is no longer being helpful ( three times they have promised to follow up with me only to never call ). Of course I should not owe money for a product I never received, and Toyota needs to figure this out internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was unfortunately late on a payment with my Chase Shappire credit card in XX/XX/XXXX that did not exceed more than 30 days. This was just basic human error on my part and I have not been late ever since. I've only had this card since XX/XX/XXXX and it is my only credit card. When I called Chase to remove the late mark on my report I was told I was past the 90 day grace period and they can not remove the remark. I tried calling a few more times and even disputed it with all 3 credit bureaus and still no luck. 

I recently applied for a small loan for debt consolidation and was denied. The principal reason for denial was : missed payment reported on my credit report. They checked both XXXX  and XXXX. My other 2 loans reporting on my card ( 1 school and 1 personal ) both have no late or negative remarks as they have been paid on time every month. 

After doing some research it states that 35 % of your score is based on your payment history. I think this may be the reason I have been denied as I applied for a school loan and one other credit card between XXXX and XXXX of this year and was also denied. 

I need help getting this late remark removed off of my report so I can get a small loan or second credit card for any potential emergencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: CA

Complaint narrative:
On this day I received an email from " Experian '' dated " XX/XX/2018. '' It inaccurately stated that my " Federal Student Loan '' was labeled now as " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' in its entirety ).

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 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed transUnion twice to remove all personal information out dated and obsolete they have not done so, they update twice now and information still on account please remove items on the two letters I mailed to you twice names, address s, jobs, spouse, phone numbers they are obsolete I did not attach personal letters to this case

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 2018-09-10 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: MSW Capital, LLC
State: AE

Complaint narrative:
I have an account listed on my XXXX and XXXX credit reports that lists XXXX XXXX as a creditor. They claim to have sold the debt to MSW Capital LLC, after numerous calls to MSW, they will not answer their phone and I do not see an email address to send email to. XXXX XXXX  will not allow me to make any payments to them, and MSW will not answer their phone. 

This should be removed from the credit report as it is very unprofessional and I believe the data to be inaccurate. They report to XXXX and XXXX with different data, and then nothing to XXXX. There should be consistency. Since there is not, it should be deleted as retroactively assessing negative information would be biased and unprofessional.

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 2018-09-10 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: TX

Complaint narrative:
I have submitted multiple letters to Experian requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from Experian providing the proper validation of the 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 2018-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: IL

Complaint narrative:
I have a loan that was sold to XXXX XXXX. The balance has not change since they got the loan. I have sent them copies of the Promissory note and copies of the statement how the loan was process at XXXX XXXX. I have called several time requesting a reason why the balance never change and was told it is under Investigation. on XX/XX/XXXX I call and was told the loan had not been paid in over a year and that they we going to start refusing payment because the loan was past due. on XX/XX/XXXX I spoke XXXX from Selene I made a payment and told her of my concerns and explain to her that I have a XXXX XXXX and that this was getting very stressfull. She went over the file and stated that she could see the payment and did not understand why the account is showing late. The amount of the loan is {$3300.00} since XX/XX/XXXX I have been sending XXXX monthly.I have my statement showing the payment from XX/XX/XXXX to current. History showing the org. loan was not a interest only loan and the payment history before the loan was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: TX

Complaint narrative:
I have submitted multiple letters to TransUnion requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX ).  Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from TransUnion providing the proper validation of the 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 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I have never received a phone call or letter in the mail from this company or even heard of them. I have just been notified that I owe a collections of {$180.00} and it also states that the account was opened on XX/XX/2018. I have never used XXXX XXXX because I don't have cable. I only pay for internet through XXXX XXXX XXXX. I do not have signed a contract or gave permission for anyone to get anything in my name. Could you remove this account from my credit report? This has just dropped my credit score 10 points.

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 2018-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
Dear Sir/Madam, Inreference to complaint ID XXXX The XXXX XXXX XXXX wakefield & associates or XXXX XXXX XXXX wakefield & associates as they call themselves claim they were not paid by my insurance for services they rendered to me in 2016.They falsified the amount of money they claim i owe them and reported false dates services were rendered.The current owner of XXXX XXXX is a XXXX XXXX and all those who work for him at every XXXX XXXX are his XXXX   XXXX.It might sound crazy and unbelievable but if you try to find out if it is the truth you will find no lie about it.They tried me to be a XXXX XXXX but it has never worked and it will never work.They are not quitting on me and i will never give in to be a XXXX XXXX.placing false debt collection accounts on my credit history is another alternative means to put me into a mess and try to me make me a XXXX XXXX. 
I tried to upload my proof of payment from my insurance company on XXXX so that XXXX can dispute the debt collection accounts placed on my credit history but it could not work.I currently don't have money to mail my proof of payment document to XXXX.Mailing and uploading is the only way acceptable to submit any dispute supporting document.Here is a detailed summary of my claims history summary report ( proof of payment ) from my insurance : Dos refers to dates when services were rendered Status refers to dates when they were paid Billed amount refers to how much they charged Adjusted amount refers to reduction money with medicaid Allowed amount refers to how much they were paid after a reduction with Medicaid Paid amount refers to how much they were paid.

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 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MT

Complaint narrative:
Global client solutions of XXXX XXXX has been taking automatic payments from my checking account to pay towards 2 payday loans. To date nothing has been paid towards my accounts & I can not reach GCS to either get my money refunded or see why they are not establishing a payment program with these 2 payday loan companies. I think theyve collected about XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I left the country and moved to XXXX in XX/XX/XXXX. 

I visited the local TD branch and changed my address to my XXXX address to receive my monthly bills. 

I was unaware that my mortgage was being unpaid as I did not receive any of the mail. 
I have never been late in paying the mortgage or any bills at all in my life until this move, I'm unsure why my mail was still sent to my former address when I went to have it changed and explained my move at the branch. 

Late reports were listed on the Conventional Real Estate MortgageXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Home Equity Loan XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Since XX/XX/XXXX, Navient has failed to abide by the ACH payment arrangements that I have scheduled on numerous phone calls with its representatives. The company has repeatedly failed to draft these payments, drafted payments on dates which I had not consented to, failed to reset the payment schedule after account changes ( e.g. debit card replacement ), and abide by what I was told by customer service representatives in terms of payment schedules and impacts to my credit.

I have also requested written correspondence with the company instead of phone calls, and told the company that they may no longer attempt to contact me via telephone. These requests were not honored.

Most recently, after the theft of my Navient-linked debit card in XX/XX/XXXX, I contacted Navient to provide the replacement card. I was told, after almost twenty minutes on the call, that my account was in good standing. I explained that it could not be, and then I was put on hold, and then disconnected. Too many calls to this company end in such a manner ; they are time-prohibitive and do not tend to accomplish the goal. I placed a second and third call, and was told that I needed to monitor my account, and then call back. I placed a fourth call and made a payment on XX/XX/XXXX, of XXXX. I was told that I was behind by one payment, and that I should make it as soon as possible, but that my payment schedule would now resume. No further automatic payments were applied. on XX/XX/XXXX, the representative also told me that my payment would bring my account current and prevent my credit from being negatively impacted. Within a few days my accounts were reported as delinquent to the credit bureaus, however. 

On XX/XX/XXXX, I wrote an email to the Navient customer advocate office regarding the most recent issues that I have described. I received an automated confirmation, but no response to this message. 

I have six accounts with Navient. Most of them carry a principal balance greater than my original disbursement. We have made almost {$67000.00} in payments. Our accounts must maintain a competitive interest rate to potentially be satisfied in the future. Navient representatives have stated to me that a diminished interest rate depends entirely on these scheduled bank drafts, which the company has failed to execute.

Company response to consumer: Closed with explanation