vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts listed on my XXXX XXXX, XXXX and Experian credit report is fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX, Line of Credit, XX/XX/2018, XXXX XXXX XXXX, Unsecured Loan, XX/XX/2018 2018

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 2018-07-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following credit inquiry on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXXXXXX XXXX, XX/XX/2018 XX/XX/2018

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 2018-07-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am actively being garnished for student loans that do not belong to me and that were collected on illegally. Money is still being pulled from my account and placed into an escrow account because the company, XXXX XXXX XXXX XXXX XXXX, is under investigation for unfair collections practices. These accounts are not listed on my credit reports, I had no former knowledge of this accounts until I was improperly served and then informed of the default judgement and I have tried for the past year to get this judgement vacated. I have requested proper validation of this debt which as resulted in tons of paper work being mailed to me and no definitive proof that these loans in fact are mine and that XXXX XXXX had jurisdiction and legal ownership of these loans to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax will not removed my fraudulent accounts. This is Defamation of character and willful injury. XXXX and XXXX has remove the accounts after sending them the same information I sent Equifax. This is poor reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
My name is XXXX XXXX and I have owned my home for 3 years and am in danger of losing it due to servicer negligence and an avoidable foreclosure. I am a veteran of the XXXX XXXX XXXX and was able to refinance this property with a VA loan. Due to a temporary hardship I fell behind on my mortgage payments and have been working diligently to get back on track with my servicer M & T Bank. I made the lump sum payment I thought would get my account current in XXXX, only to find out I was still behind due to all the fees and other charges they had levied on my account ; also, there was confusion due to another change in loan servicers ( there have been multiple changes in the short time Ive had this loan ). 

I could not pay anything more and decided to try to get my loan modified. I submitted multiple packages for review and after multiple denials I was finally approved for a trial modification. I made the first two trial payments, but then I was alerted that a small lien placed on my property by my homeowners association ( stemming from the same hardship period ) was going to cause M & T Bank to revoke my modification. That happened on XX/XX/XXXX, XXXXand M & T Bank then felt it necessary to set a foreclosure sale date for XX/XX/XXXX!!! I got them to postpone that sale date, but they rescheduled it for XX/XX/XXXX. 

I can make the agreed monthly mortgage payment but M & T Bank is not giving me a chance to get my mortgage back on track by rushing to sell my home so quickly. I am a XXXX XXXX XXXX veteran and am now a hard working employee of the XXXX XXXX XXXXXXXX. I also volunteer often with my churchs XXXX XXXX XXXX. In other words, Ive served my country in the military, I work now in a XXXX XXXX, and I continue to give back to my communityI do not deserve this treatment by M & T Bank. My hardship was temporary and I am back on my feet and able to afford the mortgage payment.

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 2018-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I returned my phone to XXXX  which required me to take a XXXX card and now they are charging me for a phone I returned to them, and put it in dispute resolution but XXXX put it in dispute resolution and still charging me for a fee for buying a phone I returned. 

Now, it is in my report and they refuse to take it off my credit report so I can not get credit so XXXX is asking me for something I no longer have as well as XXXX XXXX, as I tried to register my dispute resolution to take this off my credit report but they refused to let me register.

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 2018-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank is repeatedly assessing late fees to my mortgage account, when I have never been late on a payment in 12 years. I have been billed over {$200.00} in the last 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
I disputed an item that was falsely added by this creditor. On my credit file, they claimed I owed {$290.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX.18 that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or its alleged client. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my 2nd letter and furthermore, they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
his letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be properly verified or removed immediately.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from 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 2018-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amerifinance, Inc.
State: NY

Complaint narrative:
AmeriFinance INC, is currently my Lienholder for my XXXX XXXX XXXX. While having a few financial problems in the past few months due to a breach of identity theft and bank fraud. This company calls me multiple times a day, different representatives, different languages other than English. Not only to do I speak to one representative, someone else will email me, Text me. The company has called my family members repeatedly. They also have an automatic call system to call me every few hours. I have explained to the company that the best option is to email me. While working in a secure building during working business hours. I am unable to answer my telephone. On average they leave about 2-3 voicemails daily. I have never been more than 30 days late on this loan. While speaking to family members, One of the agents spoke about the loan to a relative. In return, They were able to inform me about what was owed on the account and my monthly bill. I find myself making a payment arrangement with an agent via email. whereas they still contact me about the debt. No one speaks to each other or provide notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
On XX/XX/2018 after loan offered by Avant, Inc . I filed an electronic application. 
I selected their offer available in their website for a loan of XXXX with a repayment plan of 24 months. 
On XX/XX/XXXX they sent me the contract documents ready for me to sign, however, instead of 24 month payment plan, they wrote the contract for 48 months claiming the 24 month was no longer available in my state??? If their website had such offer, they will have to honor it. I phoned twice and spoke to two different supervisors who will not approve the contract as originally offered. ( 24 months ) Today XX/XX/XXXX. I called their office as they requested me to do, and this time they came up with a new offer never requested before by me? Avant is willing to lend me {$7500.00} with a repayment plan of 36 months? I never requested this amount or terms. 
I am hereby demanding the original request of XXXX to be contracted for the 24 month originally offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Received phone call from Southern Management Systems on XX/XX/XXXX attempting to collect over {$600.00} based on a lease I guaranteed for my daughter which ended on XX/XX/XXXX. I requested they send me detailed information about the debt including copies of all invoices and charges. I disputed the debt with them, I have not received any further followup from them explaining the nature of the debt. 

If they amount owed is valid, they should have contacted me prior to 9 months. They have already reported it as a bad debt to credit reporting bureaus, yet I still have not received any further information about the debt. I contacted them to follow up on the dispute on XX/XX/XXXX, they could not tell me the status of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: AL

Complaint narrative:
Ive noticed fraudulent inquiries Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2018 Inquirer Name XXXX XXXX XXXX XXXX Date XX/XX/2018 Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/2018

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 2018-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
The amount of XXXX was taken from me by XXXX. There was a claim filed then I got the money back. The bank reversed the claim and forced me to pay it back. The claim was filed XX/XX/2018. Wells Fargo gave the money back then claimed it wasnt fraud by forcefully taking me into saying it wasnt.

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 2018-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Last year around XX/XX/2017, l received a letter stating that my mortgage was being transferred to another company and that my payments would not change. My payments were XXXX per month with taxes escrow included. This company claims l owe XXXX more in escow and that l had to set up payments. I do not owe XXXX dollars in escrow. Now my payment are XXXX per month. My taxes are less than 4000 per year. I am being ripped off by this company. Also, l have a second mortgage that was transferred to the same company that was a home equity account with payments of less than 200.00 per month and now l am paying XXXX dollars per month and they are trying to make me pay escrow of {$380.00} per month on this account that was never escowed. Please help me with this company because they are trying to make me unable to keep up payments on my home. I was told by my account manager that it would be taken care of but nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ameritech Financial
State: IN

Complaint narrative:
Ameritech Financial, and or XXXX XXXX XXXX XXXX ( XXXX  ), lead me to believe they were a loan servicer for the Department of Education. I had no idea they were not a legitimate servicer until I received a noticed from the Federal Trade Commission in XX/XX/XXXX, stating Ameritech Financial/XXXX  is being sued by the FTC for deceptive practices. I immediately tried to login into my FAFSA account, as noticed stated to do, only to find the password I last known it to be, had been changed and non of my verified information was up to date. Upon much needed research, I called Student Loan Support Center on XX/XX/XXXX, when a gentleman named XXXX helped me to gain access and control of my FAFSA account. He also confirmed the lawsuit was legitimate and the following fraudulent activity. I had no idea that on XX/XX/XXXX, Ameritech Financial/XXXX filed an IDR on behalf stating I have XXXX children, XXXX other dependents, and an annual income of {$43000.00}. Which is a complete lie. I have never wanted children nor do not have any children, I was single and living alone, and earning {$45000.00} at the time. Then, on XX/XX/XXXX, they re-certified the XX/XX/XXXX IDR stating I had XXXX children and XXXX other dependents with an annual income of {$49000.00}, and that I worked for a public service company. Again, do not have children, nor dependents, I have never worked for a public service company since I have been out of college, and I do not believe they filed the correct annual income. From XX/XX/XXXX to XX/XX/XXXX, Ameritech Financial/XXXX charged me fees totaling {$3800.00} ( attached ) for services the government apparently offers for free. While Ameritech Financial/XXXX acted as a sponsor, they used the following service agents to process fees : Global Client Solutions and Account Management Plus, in connection with Reliant Account Management. Ameritech Financial/XXXX enrolled me in federal programs that I did not qualify for leaving me no capability of actually paying down my loans, and or the accumulating interest causing me {$3400.00} in capitalized interest ( attached ). These unlawful and defrauding acts of defamation, along with consumer and systematic abuses, has caused me immense pain and suffering, emotional distress damage, and mental anguish. I feel extremely violated, embarrassed, grief, XXXX, and XXXX. Not to mention the hours of research and time this whole process has taken away from my means of making a living. I am an accountant, this is quarter end, and making time to address this unfortunate situation has been an impediment on my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: SLM CORPORATION
State: MN

Complaint narrative:
I currently get my private loans through XXXX. I got these loans when I started my 2nd year of college. At the time, I figured it was the best option for me to help me get through my years at school since I wasn't getting enough through XXXX and wasn't getting help from my parents. I graduated in XXXX of XXXX. In XXXX of XXXX, I was suddenly hit with a big amount of money that I was suppose to pay monthly that I was not going to be able to pay. I was able to bring it down at the time to {$490.00}. By XXXX of XXXX, it had gone up to {$500.00}. XX/XX/XXXX thru XX/XX/XXXX I was paying {$500.00}. When a year had gone by, the amount jumped and I was paying {$660.00}. As of right now, I am paying {$670.00} a MONTH ( its slowly going up each month )! I tried calling and asking for a way to make my payments easier for me to pay and they said there was nothing they could do except get me in forbearance, which for me was NOT an option that I wanted nor did I agree with. I am literally using a single paycheck to pay for this loan. Three of my loans interest rates are 11 % and the lowest one being 7.1 %. The other two are at 9 %. I am to the point where I am not going to be able to afford daily life because this loan is taking half of what I make from one job a month. ( This isn't the only loan payment I pay, but I haven't had issues with Federal Loans at the moment ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: HUNTINGTON NATIONAL BANK, THE
State: MO

Complaint narrative:
I am actually trying to lodge a complaint about credit inquery into my credit as part of mortgage applications and job applications. Previously I have never had issues with my credit but now I have multiple hard inquiry over a recent period. 

Huntington bank XX/XX/2017 and XX/XX/2017. Neither of these were authorized. I had submitted information to a mortgage broker to allow them to come up with a GENERALIZED idea of possible loan amounts. After the first one was completed, i had emailed a different broker within the same company as I was trying to work in a different region than the original inquiry. They once again wanted all my information but i informed them specifically to NOT SUBMIT a request because I had all that information and huntington bank should already have all my information for any mortgage quotes they could provide. INSTEAD they inquired again which affected my credit score. I attempted to contact them to resolve this issue but the mortgage broker said there was nothing he could do. I COULD UNDERSTAND TWO DIFFERENT BANKS BUT THIS IS THE SAME BANK AND IT PENALIZES MY SCORE!!!

Is there ANY WAY to get one instance removed? I understand the initial huntington bank but the duplicate really hurts my score and was unreasonable!

Thank you for any help you may provide

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
XXXX XXXX was my cable provider at one point. The service was not disconnected at my request and I never received the final bill at my forwarding address. I contacted the company several times by phone to inquire about the final statement. Each time I was given the round around and transferred between representatives. I never received a final bill. I was contacted by a debt collection agency and was furious. I immediately contacted XXXX XXXX and this time was connected to a supervisor and proceeded with to pay the outstanding balance. I was informed the debt collection agency would not contact me again or make any credit report listings. That information was false and I now have a negative credit listing from Diversified Consultants.

Company response to consumer: Closed with non-monetary relief