vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I Am Having a Problem with my Credit Report for some reason Equifax Place a lock on my Credit Report Trying To Use Lock & Alert and this Problem is being happening for 6 month and Equifax is not allowing me to Access My Report and i have send letter to Equifax with my Social Security Number State ID And All The Documents they Ask For I Have Send it To Equifax and Equifax has not fix my Problem that i am Having with my Credit Report and i cant log in to my Lock & Alert and Equifax wont remove the Restriction of My Credit Report Please Help me With This Problem And I Also Requested Copy On My Credit Report With Equifax and they Have Not Send it to me Please Help me Resolved this Problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2010 Wells Fargo had multiple accounts and credit I'm my name I was just notified this past year and now I'm a victim of identity thief from Wells Fargo.. I have no way of getting help leaving my apartments and moving forward have no family and am almost in a day homeless trying to fight for my identity.. Please take action and 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 explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I was with Covered XXXX XXXX, under XXXX XXXX. 
Date of Services was on XX/XX/2017 and XX/XX/2017 and all the billing for year 2017 was covered under this plan. 
CMRE Financial and XXXX XXXX XXXX continues to send collection notices and has posted this debt on my credit report. 
This is bill is not due and should be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: OR

Complaint narrative:
In 2008 I had an account with US Bank, the following year I had an ex-girlfriend use that Card and Identity to steal and overdraft the account, I reported to the police and verified she was using drugs and did not have permission to use my bank card, after that US BANK never contacted me, I was understood the matter was resolved, Now a Company that refuses to verify their address only calling themselves XXXX XXXX out of XXXX XXXX Phone Number XXXXXXXX continues to call not only I but my mother, my father and XXXX knows who else, when first speaking to them they stated the documents were from XXXX COUNTY XXXX COURTS, NOW it seems they only had two XXXX   Address ' one in XXXX  XXXX, and the OTHER in XXXX, in which allegedly they sent documents to those address ' 45 days ago I never received, they have drove on my private road and created further civil complaints by pretending to be a company they are not, as well as Un Fair Business Practices, Badgering, Patronizing and All around being RUDE, I don't owe the US BANK Anything..

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 2018-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I graduated from the school. I did not receive my certification to get a job. Therefore the major I graduated from I couldn't get a job because the institute I graduated from said I have to pay the loans in order to get my certificate of completion. So I ended up get a regular job not one that I graduated from. Now the student loans that I have are piling up. How can I delete those loans from my credit score since they never gave me my certificate of completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
Lender Fees are Usury and its lending practices are predatory. Texas law allows only a 10 % annual interest rate on a secured loan I borrowed XXXX dollars against the Title of my XXXX XXXX XXXX. I was told it a was only a 30 day loan. I was told the interest would only cost me XXXX. dollars if paid within 30 days. 
.The contact terms the company set was a six month payment term with interest fees that the total would be. {$8600.00} for a 30 day loan of XXXX I bring home XXXX a month before expenses. I was not told I could have opted out of the contract in three days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 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: NC

Complaint narrative:
i have a charge-off that is over 7 years old ( 10 to be exact ) that has showed back up on my credit report as of XX/XX/XXXX ( Originally placed as a charge off in XX/XX/XXXX ) which is past the statute of limitations. This should only have been showing on my report for up to 7 years. I have disputed this several times with no results. Not even a detailed letter from the company showing what I allegedly owe. Ive only received that said information has been verified as correct which makes no sense because its past the statute of limitations. This is on my Experian report. My last dispute results report number is XXXX for XX/XX/XXXX & results were 'account verified as accurate '

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 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I pulled up my credit report and show a debt owed to XXXX XXXX XXXX, when I contacted them I was instantly told I was being transferred to a supervisor since I didn't not want to disclose my full ssn, once someone picked up I briefly spoke to a XXXX that advised this was a debt from XXXX XXXX which I show on my credit was charged off on XX/XX/XXXX, but XXXX is showing them I owe as of XX/XX/XXXX. I have never received any phone calls nor letters from XXXX nor was I aware of them until today XX/XX/XXXX. when I spoke to XXXX she informed this was being handled my a specialist and I needed to be transferred at that time I held until the phone hung up. I do not see how this company ( XXXX XXXX ) can report a debt onto my account that I am unware of and also without contacting me to try and verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: Credit Karma, LLC
State: MA

Complaint narrative:
there are 16 inquiries don't belong to me and i called XXXX XXXX and they told me to file complaint here. i am VICTIM of their inquiry issues

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Camelot Financial Services, Inc.
State: OK

Complaint narrative:
I have and installment with XXXX XXXX in XXXX XXXX Ok. I am still due for a partial late fee of XXXX. I have received 2-3 calls everyday over a partial late fee. They attempted to call my Job and were told that I could not receive personal calls at work. Since then, someone has called my job twice since being told I can not have personal calls, and then hung up. We do have caller Id at work. I received several harassing phone call and messages saying the will continue to call my job, with being well aware I can not receive calls at work. I spoke with XXXX she stated I was 2 months past due, I told her I am not, I am due for a payment as of today XX/XX/2018 and part of the late fee from may. She insisted on arguing with me say that she will continue to call everyday. I did express to her if I continue to receive the harassing phone calls I will send my cease and desist and will report her to the Cfpb, she responded in go ahead. XXXX was very rude and had a nasty attitude once I told her my name. with this office through mail, I will continue to pay on my account until paid in full. did express to XXXX I will drop my payment in the night drop on the XXXX. I also have a loan with their sister company XXXX XXXX XXXX, which is through the same home office and I have never had these problems with XXXX XXXX XXXX, which is right next door to XXXX XXXX. XXXX XXXX   XXXX are friendly and considerate and a great office to be in business with. XXXX XXXX, the staff is rude and they harass you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NM

Complaint narrative:
I have received this bill from XXXX XXXX XXXX XXXX ON XX/XX/18. I have no idea who they are collecting for as I have not received a bill. I am XXXX years old and my mom usually handles things like this. I called them and she only told me that It was for an emergency room visit in XXXX. i told her that I had not received any bills or my mom would have told me.I then notified her that I was in an accident and did visit two emergency rooms I believe. However, I had insurance and I was fully covered. I then provided her with my XXXX XXXX XXXX Information from my card which stated that the Coverage began XX/XX/2018. She took the insurance information and then asked how would I like to make the payment. I said why would I male a payment when I was covered? That is what insurance is for I said. She then said well, you could pay the balance and then let your insurance reimburse you. I told her, why don't you pay it and let the insurance reimburse you? She then said that we will not be contacting you again about the debt. I told her I did not say not to contact me. I want to make sure that it is taken care of. I asked her was she going to contact the insurance company. She said yes. I asked her would I receive some kind of confirmation that this had been resolved. She could not assure me that I would. I then told her that I have already mailed a certified letter to the address on the letter. I have submitted the bill to XXXX XXXX XXXX. I also told her that I would be submitting a complaint with the CFPB.

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 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
The following records are have been recorded and disseminated wrongfully. 
LexisNexis failed to dispute XXXX XXXX 's information which is incorrect and incomplete. The company continues to collect and disseminate ambiguous and questionable information that is designed to discriminate and deny consumer coverage as deceptive business practice. As such it should be investigated for the legitimacy and ethics of its services as it is only benefiting corporations and not fairly services consumers. 

As stated previously road side assistance which is part of the policy benefit is NOT related to driving and is NOT considered a claim and is NOT relevant to the driving record just as XX/XX/XXXX ( Catastrophic ) due to natural disasters such as IRMA. Are impacts from natural disasters supposed to penalize consumers? 


XX/XX/XXXXclaim has been updated as NOT at fault. This is not correctly recorded. 
XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Catastrophic ) Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I would like to let the XXXX app have access to my account by using my supplied credentials. It had acess but was blocked since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I paid a debt settlement to IQ Data International on the basis of a pay-to-delete. I have requested multiple times for a validation of debt and they refused until I paid the debt. After contacting the original creditor they stated that I have no debt obligation with them and any amount I paid the collection agency would result in the removal of the account from my report. IQ Data has yet to honor this on the basis of " recorded agreement ''. Although the account is " settled '' I would like for IQ Data to substantiate their right to provide derogatory and fraudulent information to my reports which should have been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 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: PA

Complaint narrative:
I opened a credit card with XXXX XXXX XXXX in order to establish credit. After using it and paying it off for a few months my credit was in a good spot and I was able to open a credit card with my regular bank. I no longer used my XXXX XXXX credit card and did not think much of it. 

When I got orders to XXXX I was attempting to get a home loan so I could purchase a home and was told that I was declined due to late payments on a XXXX XXXX credit card. I looked into the account and found out I had been charged an " Annual '' fee monthly from XX/XX/2018 through XX/XX/2018. I was then charged interest and late fees on these " Annual '' ( Monthly ) fees. I had not been charged anything XXXX through XXXX, nor had I used my card since XXXX or XXXX. 

I contacted the company and after much difficulty and back and forth they finally agreed to remove all charges and re-report it to the credit bureau. I have statements showing that they credited back my account and I owe XXXX dollars and also closed my account. However, they still reported me as having a late payment in XXXX. I contacted the company again today and instead of being helpful, they gave me the runaround, told me there was nothing they could do and I could contact the CFPB. 

I believe this is an extremely shady business practice. After someone stops using the card for about six months and can be reasonably assumed to not be paying too much attention to it they start charging people monthly and tacking interest and late fees onto these payments. When I got in there I owed almost {$100.00} on a credit card I had not used in six months. When I spoke to them they were very difficult and were fighting me tooth and nail to not remove these fees. They would continually tell me " Oh I can only remove one late fee, '' and then I would be persistent and all of a sudden they can remove two late fees and one of those " Monthly/Annual '' fees. I had a 15 minute back and forth with someone with what the definition of the word " Annual '' means. When I was finally put through to a supervisor they agreed to clear everything within about two minutes, which tells me this is the business practice ; Try to get people to pay them anything they can get on credit cards they are not even using. 

I am a member of the armed services and this is affecting my ability to get approved for a mortgage which means I am going to have to either eat the cost of a temporary living situation until this gets resolved or go a different direction. 

I could not more highly recommend to anyone to steer clear of XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase credit card has charged me a fee as well as additional interest over the base interest without informing me of getting my consent. this purchase was not a cash advance but they changed the definition without informing me and refuse to repeal the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I would like to file a complaint against the banking institution of Wells Fargo XXXX XXXX XXXX XXXX XXXXXXXX Wisconsin, for improper representation of receiving a XXXX Home Equity line of credit. I feel that XXXX XXXX XXXX, who was the acting personal banker at the time didnt give me the detail information to make the best financial decision about this type of XXXX Home Equity line of credit for me and my family. I wanted to purchase a car and do some minor home repairs, with the majority of the loan for the car purchase. I had a meeting with top personal banker XXXX XXXX XXXX who was willing to assist me in that financial decision. The XXXX Home Equity line of credit was for {$30000.00} and after eleven years of paying since XX/XX/2007 I still owe {$23000.00}.

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 2018-06-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Home Loan Center, Inc.
State: NY

Complaint narrative:
XXXX XXXX was the third party that arranged from disclosure to closing.Actually this is happened from the month of XX/XX/2016.From Lender the loan account and the Escrow account.when I tell XXXX to forward all documents to me, they dont send the documents.Its so much mean to ignoring me that matter! More than two years of hiding no response to my letter.Im so tired of that happened, this is not the first time I made that complained in the same company!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC
State: CA

Complaint narrative:
The company refused to work with me, refused to set up a payment arrangement so I can be back on my feet!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/XXXX I called Navient to discuss why the previous month they took {$690.00} from my account last month and schedule a payment for this amount for the upcoming month when I am supposed to be on the rate reduction program. I have been on the reduction rate program for a couple of years now. In XX/XX/XXXX I was sent paperwork to reapply which I filled out and sent back to Navient on XX/XX/XXXX. From XX/XX/XXXX until  now no one called to follow up on the paperwork like they normally do which triggered my phone call for today. 
Upon calling Navient I was transferred to five different departments and when I finally go to the correct department, a gentlemen got on the phone and told me that I was not eligible for the reduction program. He also told me that I was entitled to a refund since the full payment was taken from me last month " company protocol '' and wasn't sure why no one took care of it for me. Therefore when I asked " why I did not qualify for the program anymore '' he was unable to tell me so I asked to speak to a supervisor. Once she got on the phone she told me that I did not qualify for the program and when questioned " why '' she stated that the back office picks and chooses who qualifies and she did not know why or how I was chosen. And according to cooperate they are not offering rate reduction programs for people anymore. She had not options to offer me. And ended with that if I don't pay they will come after me legally. Then the phone call was over.

Company response to consumer: Closed with explanation