vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid off a XXXX 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from XXXX 's attorney. It was a settlement that XXXX 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, XXXX 's in conjunction with XXXX ( they merged ) have reported to all 3 credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the 3 credit bureaus, XXXX 's credit and XXXX, however I am told that internally, XXXX 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and XXXX 's constantly denies THEIR OWN paid in full letter. I spoke to XXXX 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please help me!

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 2017-08-07 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: NY

Complaint narrative:
The response to my initial complaint is unacceptable as it has no relevancy in regards to the complaint submitted ... " Equifax has reviewed the complaint and its records. Please be advised XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number, Date of birth and address. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17. '' The complaint was not about validating whether or not the account holds the correct name, SS, DOB & address? Once again the complaint is in regards to the equity loan being identified in a class action suit and by Attorney Generals from over a dozen states as a predatory loan by a company who, to this very day, stands behind and supports predatory lending practices. A Company who has been found guilty of defrauding the american people at ever turn. This loan in question Acc # XXXX was sign by me under false pretenses and deceptive loan practices. I 'm forwarding your response to Florida 's Attorney Generals and to my attorney as proof of my attempt to resolve this matter amicably and as a testimony to my unwavering pursuit for justice. It is my hope that my complaint will be taken seriously at some point and Equifax comes to the same final conclusion and outcome as did XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
I have called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XX/XX/XXXX and then again today. This company accessed my credit without written consent and arerefusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING  IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO. Account name ONEMAIN Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
NCC Business Services, Inc with and address of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed up on my credit report in the amount of {$3300.00}. This is from an apartment I rented several years ago. I placed a first and last months deposit down. I moved out, gave proper notice and was never given my last months deposit back as a walk through was not scheduled. Now I have this on my credit report from a company I have never hear of. They have never called me, never sent me any formal notification of the debt, no contact or notice at all. I called them when I saw this on my credit report and I was provided a break down over the phone that I owed this money for carpet cleaning, fleas, rent and late fees. I requested that information be sent to me with a break down and description of what I was being charged so I could review it and try to contact the original rental company but NCC refused to provide me anything and said they could not provide me with any information. This is a bogus debt and I have disputed it on all XXXX bureaus just to have them come back and say it is not being removed. I do not understand how to resolve an issue that I ca n't even review documentation on. How can you pay on something that you do n't even have supporting evidence of and I know that the fees are not accurate or valid. I gave proper notice and was never given anything by the original apartment complex advising me of what NCC is now saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I '' m filing this complaint against Wells Fargo N.A. for failure to engage in loss Mitigation. I was under approve for a modification in or around XX/XX/XXXX shortly after I started making payments. I was forced to retire from my job and I apply for my Social Security, which gave me a big reduction in my income. Which caused me to default. Now Im facing foreclosure which was file on XX/XX/XXXX. I engaged help from a HUD train Housing Counselor to help me get my modification reinstated. After we contacted Wells Fargo to request that my modification be reinstated along with my Housing Counselor they refused to work with me claiming that my loan was under ligation. She explained to them that my loan was in foreclosure and still under to redemption period Im trying to save my home. They totally refuse. My housing Counselor explained to me that she involved in a civil suit with Wells Fargo and she believes that was the reason why they claiming I was involved as well. My counselor informs me to made the call myself. I made a second call on XX/XX/XXXX to Wells Fargo they were very persisting about not being able to help due to the ligation. Upon asking which ligation they were referring to they fail to answer. Well Fargo demand that I seek out a lawyer, once again I ask the same question why do I need to hire a lawyer for a modification. They reply by saying because of the alleged ligation Im supposed to be involve in. Them they proceed to demand who am Im working with. Since they refuse to give me information concerning this ligation I refuse to tell them who Im working with. I feel like they have violated my civil Rights they are discriminating me due to my housing counselor, yes! I want to keep my home. Please HELP

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 2017-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This debt is being reported on my credit reports without validation of debt. I disputed this debt with Calvary Portfolio Services on XXXX/XXXX/2017. To date I have not received ANY correspondence validating the debt in which they say I owe and what is being reported to all XXXX Credit Reporting agencies. As of today it has been a total of 81 days since my original request and this company has ignored me and failed to provide validation of this debt. However, Calvary Portfolio Services, LLC., is still reporting this alleged debt to all XXXX credit bureaus monthly. This has adversely affected my credit score and has limited my credit worthiness.
I initially requested DEBT VALIDATION from Calvary portfolio on XXXX/XXXX/217. I never got a response validating the debt. What I received was a letter dated XXXX/XXXX/2017 stating they were in receipt of my dispute letter and could not investigate because my " dispute '' lacked information that would allow them to investigate. What I requested was debt validation. In that request I specifically stated that this is NOT a refusal to pay but a request for debt validation. However, Calvary Portfolio decided to ignore my request for debt validation and simply label it a dispute. This was done twice. The same exact correspondence was sent again on XXXX/XXXX/2017 after I sent a SECOND written debt validation request.
Calvary Portfolio continues to report this invalidated debt on my credit as verified. What exactly was verified that would validate this debt and prove that I am in fact that responsible party and why have I yet to see such information. Calvary Portfolio has and continues to violate my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Navient took over my loans and has repeatedly guided me to forbear loans and also to do " interest only '' payments.
When I call them, I get people who can barely understand English and they will not transfer me.
I have told them how much I can afford to pay and they wo n't help at all really. They are thieves. They act like they are there to help but clearly are not putting the consumer in mind.
They need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have called this company now twice on a Recorded line and asked them to provide by law the permissible purpose for their inquiry and they say they can not do that and would remove it. That was back in XXXX and then again today. This company accessed my credit without written consent and are refusing to remove the inquiry. This is the last chance to do it before a complaint with the State Attorney Generals office is filed. ON A RECORDED LINE TODAY THE REP SAID THAT THEY HAD ME GOING IN AND APPLYING FOR A LOAN WITH A BRANCH HERE IN XXXX XXXX THAT IS 100 % FALSE, I HAVE NEVER DONE SO. I AM DEMANDING THAT A SIGNED AUTHORIZATION BEARING MY SIGNATURE SHOWING THAT I DID SO TO BE SENT TO ME IMMEDIATELY IF YOU WISH TO KEEP THIS INQUIRY ON MY CREDIT REPORT. IF YOU REFUSE I WILL HAVE NO CHOICE BUT TO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERALS OFFICE HERE IN COLORADO.
Account name XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unspecified. This inquiry is scheduled to continue on record until 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 2017-08-07 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
t
his company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where CHASE accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately.
Account name CHASE Date of request XXXX/XXXX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE PURPOSE )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I was an account holder with XXXX. My account # was XXXX. XXXX was notified that my Landlord revoked permission to have the dish on my roof. The rep was to cancel my account. I was advised I would NOT be charged a cancellation fee because it was my landlord who was revoking the permissions. A box was sent to me and the receiver was promptly returned. XXXX has acknowledged receipt XXXX XXXX, 2017. A few weeks later I received a bill for early termination and service use. I immediately contacted XXXX  and the rep I spoke with acknowledged my service should have been disconnected. She acknowledged I was being billed incorrectly for the termination fee. She also acknowledged I was being billed for two months of service after I returned the receiver. She advised me the issue would be resolved and I would receive no further bills. NOW I am getting a collection letter from IC Systems. They are advising my account is in collections. I advised I was disputing the debt. The collector stated I needed to contact XXXX directly. I spoke with XXXX from XXXX on Friday, XXXX XXXX, 2017. She was rude and disrespectful. She intentionally hung up on me and placed me back in the queue. The next representative barely spoke English and disconnected my call as well. I called back a 3rd time and XXXX  was my XXXX rep this time. She advised me XXXX did n't have access to my notes since the account was in collections. She advised I write to the corporate office. I spoke with XXXX XXXX at the collection agency. I was advised he was a manager. He offered to Settle the account. I advised him I am disputing this bill as false. I made him aware of my intentions to file a complaint. I have sent this complaint in writing to IC Systems as well as to the corporate office of XXXX in XXXX XXXX, CO. I am desperate to have this corrected. I do not want this falsely reporting on my credit bureau report. This debt is an error. If someone would take the time to read the notes on my file they would see the error by 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 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Roundpoint mortgage sent me a notice indicating that my escrow account was going to have a shortfall so in XX/XX/XXXX they increased my escrow payment by over {$200.00} dollars per month. By XX/XX/XXXX I was already struggling to make that increased payment so I signed onto my online account and noticed that what they had indicated on the escrow increase was not true. Instead of a escrow shortfall I actually had a surplus. I wrote to them at that time that I wanted a new escrow analysis done since my escrow account was too high. They did not respond to my written request so I called in XX/XX/XXXX to explain the situation. They agreed to do the new analysis, but when it was completed my escrow payment only went down by approximately {$50.00} dollars, and they sent me a bill for an escrow shortfall. I did not pay the bill. However, in that time, I have been late on my payments while my escrow has continued to increase to the current balance of {$6500.00} ( XX/XX/XXXX ) and my XX/XX/XXXX taxes and insurance has been paid. I just called Roundpoint again to tell them that the analysis was wrong. The service representative told me that they would complete a research which will take until XX/XX/XXXX, and then if they find an issue they will do a new analysis within 10 days. At their timeline, the issue wo n't even be addressed, if at all, for another month. Having made my initial request in XX/XX/XXXX, I believe that they have adversely affected my credit standing, created financial hardship for myself and my family, and have exceeded the amount that they are legally able to collect in my escrow account.

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 2017-08-07 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
When I received my credit reports. The information was reported charged off when actually I paid the account in full and received the title. Also I took a title loan years after it was paid off and the car was totaled the insurance company paid the Balance off and sent me the difference. This company reported it. As being repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
I have been contacted by Berlin Wheeler regarding a debt for the XXXX Clinic. My current doctor is in that office. I have been contacted several times by phone. I have asked for validation of this debt. This has never been provided. I have an account with the Clinic and make monthly payments on the account to XXXX Clinic. I have told Berlin Wheeler that I will not pay them, also not to contact me by phone.
I have asked for verification several times, but have yet to receive it. The calls continue, nothing in writing has been provided. Also, if this is reported to my credit bureau, I will file suit against XXXX  Clinic and Berlin Wheeler for FCRA violations.

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 2017-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I 've been struggling for years to repay my loans at 13 and 11 percent interest rates. I 'm 60k plus in debt. The customer service reps wo n't tell me what enitites hold my loans, and due to the exorbitant costs of my interest rates, I ca n't touch my principal. They offer scant info on refinancing and my credit suffers as I try to make ends meet. The best way I can describe Navient 's tactics is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a reservation for 3 hotel rooms on XXXX on XXXX XXXX, 2017. The reservation did not meet the criteria being offered so I attempted to cancel the reservation both through XXXX and capital one. XXXX refused to cancel the reservation. Capital One was n't able to offer me the refund after they contacted priceline. XXXX cancelled the reservation with the hotel assigned after the dispute was initiated. I was n't able to use the hotel that I booked on XXXX and was still billed for the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: CO

Complaint narrative:
this company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where XXXX accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately. Account name XXXX Date of request XX/XX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE PURPOSE )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
this company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where XXXX accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately. Account name XXXX Date of request XX/XX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE PURPOSE )

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