vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
I have changed my phone company and internet service from time warner to XXXX XXXX XXXX the internet was disconnected first and I went to the time warner office to turn in my internet modem they would not take it, " they said the whole service had to be disconnected before anything was turned in ''. I did not get a reference number saying I was trying to turn it in. 
All I have a new bill of when my new service was connected. I received a very large bill and made a phone call to the company and told them it was not right. I would a proper bill for what I really owe from my previous service. They assured me they would take care of it and send me one. That did not happen. 
Nothing was received from them, until a collection agency sent me emails trying to collect and not sure if that is proper to send that to my business email. 

I responded back and they informed me I did not cancel in time, which I did try and the company would not let me. This was verbal I guess I need a reference number for all conversations now? 

XXXX XXXX of XXXX is when the new service was connected for the phone lines. XXXX XXXX is when the fax line was installed and when I tried to being the modem back. 
I am getting charged for service stopping XXXX XXXX that is a month of service not used and going to collection to boot. 

Even my phone calls and many attempts to bring the modem back on my lunch hour did not work. 

There was a sign on the door closed for lunch. So I called 2 times, and finally called again they finally came and took the equipment. On XXXX XXXX. There was no contract with time warner.

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 2017-10-06 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: NC

Complaint narrative:
I have disputed a XXXX XXXX Credit Card account on my Equifax, XXXX, and XXXX accounts several times. Each time I dispute the discrepancies for the last day of activity, close date, and payment history, and the disputes are returned as verified. I have sent a dispute online and also mailed a dispute letter requesting validation of this account. Equifax, and XXXX has failed to investigate this account and continues to report inaccuracies on my credit report. 
According to my research, XXXX XXXX is reporting to XXXX : a closed date of XXXX/XXXX/XXXX, high balance of {$XXXX}, and last date of payment XXXX/XXXX/XXXX, but no payment history. 
Equifax is reporting no close date, date of last payment XXXX/XXXX/XXXX, and no payment history. 
I am concerned that these accounts may not belong to me and/or the reporting to the credit bureaus may be inaccurate. XXXX XXXX has failed to provide any validation of this debt so I am submitting a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
the account number from wells fargo does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from XXXX  and XXXX and XXXX thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: CA

Complaint narrative:
the account number from XXXX XXXX does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from XXXX  and equifax and XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: CA

Complaint narrative:
the account number from XXXX XXXX does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from experian and XXXX and XXXX thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: One Technologies, LP
State: CA

Complaint narrative:
I want to report consumer fraud. I used XXXX, which I believe is located at XXXX XXXX XXXX XXXX, XXXX XXXX Pmb XXXX, XXXX TX XXXX. After entering my information, I received three credit scores from the various bureaus. The scores I received from XXXX were XXXX, XXXX, and XXXX. XXXX represented that these were my scores and advertised its services to improve the scores. I know I have excellent credit and was surprised by my scores, so I went to XXXX and requested my scores and reports from all three bureaus. I did this within minutes off receiving the scores from XXXX. My actual scores are XXXX, XXXX, XXXX. It became clear to me that XXXX was reducing the actual scores of consumers in order to encourage the sale of their services. After a period of time, XXXX could simply report the actual scores and claim that their efforts improved my scores worked, improving the chances that they will get an ongoing customer. This is clearly consumer fraud and unfair business practices. I immediately cancelled the recurring fee by phone, but was left disturbed at what occurred.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CHASE MTG, XXXX, XXXX Its been a total or more than 6 months for this situation with Chase mortgage. Ive asked for Chase mortgage to show me steps that were taken for the verification process between creditor and credit bureau. I am requesting CHASE MTG, XXXX & XXXX credit reporting agencies to show me proof of verification that is supposed to be in your files. By law FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it but you guys are reporting and doing things backwards, there for you are breaking the law. Anything that isnt done appropriately can land you guys in hot water and in trouble with a lawsuit. This is my final attempt to resolve this account and I am requesting it to be removed permanently from my credit file. I have recorded all attempts to contact you through certified mail, FTC, BBB. I am in the process of filing a law suit. Why isnt this account removed from my credit file, the letter clearly says that there is no account under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AFNI INC.
State: NJ

Complaint narrative:
I had an account with XXXX which I paid in full. The account was supppose to be removed upon payment but it 's still there. According to credit report on credit karma it was a removed collection but it 's still posted as a derogatory mark in collections account. I also have an account with Afni for XXXX XXXX XXXX that keeps appearing on my account which was removed off of my report but keeps reappearing. The amount was disputed once the account was cancelled. I 've contacted XXXX they ca n't seem to find my information but it 's clearly on my credit report saying that I owe XXXX. One of the papers I attached clearly shows that XXXX XXXX XXXX account was closed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I contacted Discover in regards to a " XXXX XXXX '' program, involving the freezing of charging privileges on the account, combined with a lowering of the interest rate to 9.99 %, and automatic payments of {$14.00} per month, paid on the XXXX of the month for a period of XXXX months, or until I was under the credit limit, at which point I was free to be removed from the program upon request and verification. 

Upon requesting removal from the program, I was told ( falsely ) that this was not possible. The argument became quite heated, and it came to the point where I 'd said that we either need to find some remedy, or close the account, and that I would wait for the debt to age out. I eventually began using profanity, and she told me she would terminate the call. I told her to " go XXXX herself '' and she hung up. 

Upon calling back to speak to another representative, I received a notification that an email was received from XXXX. The email said my account had been closed. 

This happened without a proper request for authorization on my part. Me being angry does not constitute a verbal contact, as there is no agreement portion involved, and because of that, it 's also not enforcable, because it 's unlawful. 

I 'm seeking the maximum damages, as this resulted in my losing access to the money that I put into the card before my request ( {$260.00} ). Also, it damaged my credit report because this was a closure of my oldest account. 

They refused to provide a copy of the internal complaint I submitted for " security reasons ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: VA

Complaint narrative:
Two fraudulent Hard Inquiries on my account.
The first one is from XXXX XXXX. It is showing up only on my XXXX credit report. It shows up as : XXXX on XXXX/XXXX/XXXX, I was alerted and called XXXX on XXXX and told them was not me and that I need the inquiry reversed. They said they would have the inquiry removed. It is now XX/XX/XXXX and it is still showing on my XXXX XXXX account. I spoke to XXXX XXXX agai, spoke with XXXX in their fraud department today, XX/XX/XXXX XXXX EST and they are again promising that they will remove the inquiry with 30-60 days. anything you can do to make sure they really do it would be appreciated. 
2nd one was on XX/XX/XXXX. It is only showing up on my Equifax report and it registered as XXXX. I called the number that was associated with this also on XX/XX/XXXX and again was assured the inquiry would be removed. It also has not been removed off my Equifax report. I have been told that the XXXX stands for XXXX XXXX XXXX someone was trying to open a credit card in my name at XXXX XXXX. They have my social security number and a prior address of mine. I have put a freeze on all credit bureaus because of this but need these hard inquiries removed from credit report. Thx

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I had my car financed with Santander XXXX XXXX. I had no choice with the loan company the dealership ( XXXX ) went with, I owed more than the car was worth.The interest rate is so high XXXX XXXX and whenever I have contacted them, the customer service is not helpful and also very rude. I do n't like that they wo n't refinance at a lower rate. I feel like I 'm being ripped off by this company. I have paid for this car twice from the looks of it I still owe XXXX plus on this car as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I recieved my student in XXXX, the sum of XXXX. I paid my student loan off in XX/XX/XXXX, my final payment was XXXX. 
In XX/XX/XXXX, I started getting calls and letters that I need to pay almost XXXX, they were claiming that there was never a payment made in the XXXX yrs it took to pay it off. I have spoke to XXXX, XXXX XXXX, Navient multiple times, I have sent my XXXX XXXX XXXX that I paid the loan off. I have maintained that my record show it was paid, but I did tell then that I if they did some research and proved I owed XXXX, the. I would pay it, but all my record show i paid the loan off in XX/XX/XXXX. And they claim that that XXXX payment is the only payment they know of. So, over the years while u have been fighting with them since XXXX, I keep demanding a forbearance and tell them to do the research and go over the proof I have sent them. They never do, and I just received another letter staying i still owe XXXX. This has been going on since XXXX, I have provided my burden of proof that it was paid, and they still refuse to go through everything, still stating i owe XXXX. Every year I demand a year long forbearance, I inform them that I refuse to pay them another dime and to do their jobs and get the XXXX together. I am constantly harassed by them and it becomes very stressful and it has ruined my credit. I refuse to pay a loan that I already paid off. They say they will look into it, but they never do. Also for years they would take my federal tax refund, but yet still claim they have not received payments, those refunds total a couple XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association
State: NJ

Complaint narrative:
A fixed rate XXXX XXXX XXXX ) was refinanced in XXXX for XXXX loan. The servicer of the loan is also expected to make the home owners insurance and property tax payment and it is New York Community Bank, headquartered in XXXX, New York. Servicer address is XXXX XXXX. The servicer increases the monthly balance due using an annual mailing entitled, loan analysis, without providing adequate justification. Specifically, The property taxes have remained between XXXX annual since the inception of the loan and the home owners insurance has increased from approximately $ XXXX XXXX per year, the monthly payments has increased using the annual analysis from approximately XXXX per month to the most recent XXXX during this period. The bank does not provide the requested details showing the method it uses to determine the amount of shortage. The annual increase in monthly payment amounts for the most recent year is XXXX and it exceeds the payments due for the noted variables of insurance and taxes. Accounting for the life of the loan, the accumulated amount would approximately equal ( XXXX X XXXX years= XXXX ) Upon inquiry, I have received a letter dated XXXX/XXXX/XXXX, explaining that as of XXXX XXXX, the loan servicing organization would be XXXX XXXX customer service, with the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Would you please offer a response that would allow me to address this issue if in your opinion there is matter for me to pursue, including the need for investigation or legal services if necessary. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with Capital One police report attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was open with XXXX XXXX XXXX on or about XXXX XXXX and monthly payments were never late. The amount of the payment always exceeded the required monthly payment. After almost XXXX years of satisfactory payments there was a DISPUTE filed with XXXX XXXX XXXX regarding XXXX XXXX. The Bank was alerted prior to XXXX '' XXXX Transaction Request for payment, XXXX XXXX XXXX XXXX the Transaction anyway and played me along for XXXX days then dropped the DISPUTE. I had informed the Bank I would not and never pay the erroneous Transaction, XXXX later refunded the Transaction amount however the damage was done late fees on top of late fees were processed. However my position has not changed and my relationship with XXXX XXXX XXXX was TERMINATED. The issue of Credit Inquiries or the amount of Inquiries I have no control over the amount of the Inquiries in the course of day to day living and the Credit Agencies should not be allowed to give them credence and make the Inquiries an issue against the 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 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
on XXXX/XXXX/XXXX I submitted a request to Experian to have some personal info updated on my credit report. On XXXX/XXXX/XXXX I received a response that the info was updated and they included a new copy of my credit report which had a long list of inaccurate addresses and other personal information. On XXXX/XXXX/XXXX I sent them another letter asking them to remove all the inaccurate addresses. The only address that should be on my report is the XXXX on my driver 's license. Today, I checked my credit report and noticed that NOTHING was updated - even from the first letter. I DO N'T UNDERSTAND HOW THEY CAN LIE AND SAY THAT THEY UPDATED MY INFO AND NEVER DID. THIS IS COMPLETELY UNACCEPTABLE!!!!

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 2017-10-06 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Charge approximately % 2500- {$3000.00} per month on SunTrust XXXX . Typically pay in full and avoid interest advertised at 16 %. Left {$300.00} unpaid first of XXXX. XXXX statement included {$12.00} interest charge due solely to my leaving a {$300.00} balance the previous month. That is 51 % interest.

I am aware that Supreme Court decisions have rendered state usury laws unenforceable. Burying a 51 % rate in indecipherable small print is no justification for robbing consumers however.

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 2017-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Moore Law Group
State: CA

Complaint narrative:
I owed a debt that was satisfied in XXXX. In XXXX, I received a letter from The Moore Law Group that they were going to garnish my wages for this debt. I had my credit report showing that the debt had been satisfied, but XXXX of their representatives by the name of XXXX, said that there was no proof. He argued with me and was XXXX of the rudest men I have ever encountered, not professional at all. I agreed to pay them XXXX  just to have them stop harassing me. I did not know my legal rights and I just wanted them to leave me alone. I did not receive any other paperwork from them until XXXX weeks ago when I received a letter of wage garnishment from my employer. The wage garnishment was for XXXX}. The original amount they had claimed I had owed was only XXXX. I called The Moore Law Group and spoke with XXXX of their representatives, XXXX at extension XXXX. He told me that he would put in a dispute with the original company, XXXX. At that time, he told me not to worry about the wage garnishment. On XXXX XXXX, my check was garnished. I called that day and tried to reach the original person I had spoken with. I was unable to speak with him. I proceeded to remain on hold and asked to speak to a XXXX or supervisor. I was then connected to a XXXX XXXX at extension XXXX. I told him about my previous conversation. He told me the wage garnishment was still in effect, the original company had not responded and when I asked for my file information to be sent to me, he stated he would not tell me any information unless I reascended my dispute. When I told him I would n't because I did n't owe the money and they had no proof, he became silent and would not respond to me. I have never been treated so poorly by anyone and that is a large sum of money to owe from a XXXX year old debt that is beyond the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation