vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 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: MD

Complaint narrative:
My name is  XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX , or  XXXX   XXXX  and my address is   XXXX   XXXX   XXXX    XXXX   XXXX  Md  XXXX  not  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX ,  XXXX   XXXX    XXXX      XXXX   XXXX   KY  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   Ky  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX . Also my phone number is  XXXX  not  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 non-monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Late last year I received an email offer from BBVACompass bank asking me " to come back ''. They offered me {$150.00} if I opened a checking account with them, made an initial deposit of {$50.00} or more, and had  XXXX  direct deposit of at least {$300.00} deposited into the account within 60 days of account opening. I tried opening the account online but the system directed me to go into a branch. I did that on  XXXX / XXXX / XXXX  and opened the account with the bran ch manager a nd deposited {$50.00}. A direct deposit of {$300.00} was made on  XXXX / XXXX / XXXX  from my employer and numerous calls and emails to them have resulted in multiple promises to deposit the {$150.00} into my account. Continuous run around and still nothing. It is impossible to speak to a representative that actually has the power to give me the money that I 'm owed. They are never " available ''. Early on in this process I phoned the  manager  who opened my account in my local branch, and he told me that he 'd heard from at least  XXXX  clients that are having the same problem. He told me that they were n't getting their cases resolved unless they had the original copy of the email sent to us by BBVA. I have a copy of that email and I 'm still not getting the money I 'm owed. This is known issue to the bank and yet they do nothing to fix it. Abysmal customer service. On a side note, I left the bank originally because they were highly inconvenient and had a poor online presence.     No business should be allowed to treat their customers in such a shabby way, at least without their being a public record of their behavior. I am seeing your help to get the money I 'm owed and log a complaint that hopefully encourages them to change their ways. Thank you in advance for your assistance with my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03 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: FL

Complaint narrative:
On   XXXX     I contacted  XXXX   XXXX  in  XXXX  Florida inquiring about a vehicle. I was told to submit my information into their website for pre-approval  WITHOUT  a hard inquiry. No impact on my credit score. I called and confirmed this several times with the sales person, the pre-approval was soft inquiry with no impact on my credit score. The next day I received an alert that a hard inquiry had hit my Equifax report. Upon checking, it was  XXXX   XXXX . I contacted the dealership and was told that they were mistaken about the inquiry and I asked them to remove it.They said they would look into it and get back to me. After a few days with no response or removal, I again contacted them and I was told that they did not have the ability to remove the inquiry. I disputed it with Equifax only to have the dispute closed within  XXXX  hours stating the inquiry was validated as accurate. I contacted Equifax and they told me that only the dealership can remove the inquiry meaning the dealership lied to me both about the inquiry in the first place, but also that they ca n't remove it.     I did NOT authorize this hard inquiry and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: MO

Complaint narrative:
I received a bill statin g Selene Finance w as requesting {$160000.00}. on house at  XXXX   XXXX   XXXX   XXXX , MO  XXXX . Problem is bill was sent to mortgage owner  XXXX   XXXX  and she has been deceased since  XXXX , We sent the copy of death certificate and informed  Selene Finance that   XXXX   XXXX   was  deceased the rep said all collection would cease because they did indeed had copy of death certificate. On  XXXX   XXXX  some people who said they were from  Selene Finance  looking for  XXXX   XXXX  they were informed once again she is deceased. In the state of it is illegal to collect or try to get monies from a deceased person an d Selene Finance  was notified of this their address is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  phone number  XXXX   XXXX   XXXX  property or account is  recognized under   XXXX   XXXX  and her address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
It is shown that the following agenc y,   XXXX   XXXX   XXXX    with an address of  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  phone number (  XXXX  )  XXXX , are not bonded in Texas and can not legally collect debt. They are active on my report as of  XXXX   XXXX ,  2017 in  the amount of {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: TN

Complaint narrative:
having problem with credit bureau and their reporting method on credit report on my credit file it state that i have  XXXX  public record that has been reported inaccurate this file is not accurate according to the fair credit these file is missing information on these bankrupt these reporting agency saying this account has been verified but the agency want provide for me their verification method i ask several of times this public record is missing information for as which date this account was dismiss, the amount place under bankrupt per fair credit account that on credit must be accurate or account has to be remove when thirty dayfair credit state that the reporting agency supposed to have a copy of all document on file im asking this reporting agency to provide me with copy of all document that suppose to be on file i have ask before i have n't received any information next step will be civil action for discriminating because the area i live im provide lower credit scores and defamation this credit bureau action is damaging to good of my reputation.

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 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FL

Complaint narrative:
I called American Medical Collection Agency  ( AMCA )  to dispute the amount they were reporting to the credit bureau {$140.00} and the female agent verified all my information and disconnected the call. I received a bill for the amount of {$250.00} but reported {$140.00}. The bill shows  XXXX  separate dates of service over a period of two years (  XXXX  ) added together. This debt is in violation of my rights because I was not sent a bill with the appropriate amount. Taking and adding bills from separate past dates together is a violation. I want my this removed from my credit. I want to receive an accurate bill with the amount that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
this company is reporting that i have had a auto loan through their company this fraud i never had a loan the document that was sent to me is that i bought a car from a company name   XXXX   XXXX   XXXX   which is false and on the document it stated that i traded in a   XXXX    XXXX   XXXX  and that false as well look on signature that 's not how i sign document and what was the vin number on the so  XXXX  that was traded in i guess any one can get a loan through this company all that have to do is steal a person information wow amazing reply to case  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 2017-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
I have an issue with  Sallie Mae because they ca n't offer me any type of repayment plan that is in line with my income. They said I gave up the right to graduated payments because I had to go into forbearance while I searched for another company to refinance with. I do n't qualify with any of the other finance companies because I do n't make enough money. I called Sallie Mae twice   today to ask if there was some way I could avoid defaulting on the loans and sparing my co-signers credit  XXXX . I offered to make payments on the loans but I ca n't afford the full amount.  Sallie Mae told me that I would have to let the loans go into default or delinquency for  XXXX  days before anyone in Sallie Mae Collections  would call me to ask me why I was n't making full payme nts. Only then, would they offer me alternatives. This is, of course, after everyone who co-signed with me has a  XXXX  late on their credit report which lowers thei r credit score significantly. I owe Sallie Mae {$170000.00}. The payments are {$1500.00} a month. I can pay maybe a {$1000.00}. Even this amount leaves me with no disposable income. Sallie Mae wo n't work with me. I 've tried every possible alternative I can think of before  just defaulting on the whole mess. And taking my whole family down with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Credit card is  the Gold c ard fr om Barclay.      i am a military member and the know this. when i signed up  XXXX   XXXX  for the card it was a 0 % apr and the annual fee were waived for the duration that you are  XXXX   XXXX . this has since change and was done so in a way that does not seem sufficient or appropriate. prior to deployment (  XXXX   XXXX   )  the company changed the policy for new members but and informed me ( when i called to notify them that i would be deploying and using the card overseas ) that i was grandfathered in and had nothing to worry about.  Barclay knows that i am  on deployment since  XXXX   XXXX  to present and that everything that i do is done online or via email. yet they decide to change there policy again and are no longer grandfathering the annual fee for members and provided a letter sent to my home address stating that  XXXX   XXXX  my card with be charged the annual fee. since i received this information via my spouse, i immediately logged into the website, while on   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and attempted to verify that this letter was official or a prank. i had no messages on the web site and no email had been sent to the email address on the account. still concerned that t his may  become an issue for me, I called barclay as soon as i could which was in  XXXX   XXXX  over a month later. they informed me that they had changed their policy and that was it, there is no way to get back.     I believe that this company has used military member to get there card seen by the public. once they felt that there cards had received sufficient publicity they decided to changer there policy. this along with the fact that the only message received from the company about a major policy change was letter mailed to my address, seems fishy to me. i would assume that any well established company would at least post a message on your account and send you an email alerting you to the fact that " a major policy change had been placed into affect, please log on and check your messages and my effect your account ''. All they send out is a written letter to the address. i am not the only military member affected by this policy change. most were not even given as long as i was before they were to be charged. i have  XXXX  officers i  deployed with  who were only given less then 2 months by the time they received the notice.  XXXX  of them never saw the letter because he is single and does not have anyone read his mail while he is  deployed. h e was forced to call the company and found out a few days before he was to be charged.

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 2017-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I did a balance transfer fro m Barclays. I h ad the funds transferred to   XXXX   XXXX  . I waited  two  weeks, but the funds never showed up in my account. I had called   XXXX   XXXX   and they never seen those funds. I also called  Barclays. I was told that the situation was going to be taken care of in sev eral weeks. I am angered about this situation because I have payments due soon and have to pay over 20 % plus interest, but no funds.      XXXX / XXXX /   2017 FR ONT-END FEE $  XXXX   XXXX  )  XXXX / XXXX /   2017    XXXX   XXXX    XXXX  $   XXXX   XXXX   XXXX    XXXX / XXXX /   2017  BALANCE TRANSFER FEE {$6.00}  XXXX / XXXX /   2017    XXXX   XXXX    XXXX  {$200.00} v/r  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 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I rented a car from     XXXX   XXXX   XXXX   o n XX/XX/XXXX . I e xtended the ren tal three  times over the cours e of four  weeks. I extended my rental on three separate occasions. Each time I extended my rental I was told by  XXXX  they would be putting a hold on my account that would be applied to my final balance when I returned the car. I checked on my account i saw the holds that were applied each week. However when I returned the car there was insufficient funds in the account. Therefore my account was overdrawn by approximately {$650.00}. I called  XXXX  to see why the hold on my account were not applied to the bill. I was told my bank had to release the funds. I check my account the holds were no longer showing. I wen t to two s eparate Chase branches and I was told there was never any holds on my account, there is nothing they can do and I need to be more careful with my money. I called  XXXX  while in the bank and they gave my the dates and amounts of the holds.  XXXX  also told me if I had chase call they would give them the authorization code to release the the holds but the associates at  Chase r efused. The  XXXX  holds were  on  XX/XX/XXXX  for {$260.00},  XX/XX/XXXX  for {$270.00} and XX/XX/XXXX  {$220.00} totaling {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: World Recovery Service, LLC
State: VA

Complaint narrative:
World Recovery Service  ( WRS ) collected on a debt that I had back in  XXXX  of  XXXX . I received a letter from WRS that states that the account in question was paid in full. In  XXXX   XXXX  I received a phone call from a lawyers office stating that the original creditor was taking me to court because I did not pay my debt. I explained that I did pay my debt and that it was paid to WRS and they sent me a letter proving that my debt had been paid in full. The person told me that they had a string of debt collection agencies that had the debt after WRS. This means that WRS collected the debt but did not report it properly and allowed the debt account to be sold off to another company to collect on. WRS received money from me to pay of my debt and from another collection agency when they sold the debt to them to be collected on. I 'm not sure if this is just a mistake or if this is a trend with their business. I would like for someone other than the business itself to look into this matter to determine if they are failing to report payments they collect purposely and getting paid twice or if this was a one time error.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have disputed this debt with all  XXXX  credit bureaus. They have failed to show proof of debt, but will not remove it off of my credit. I did n't not break my lease, and when I moved out there was  XXXX  monies owed. This was never explained to me nor did I received notification about this debt prior to seeing it on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: FL

Complaint narrative:
I filed disputes with Equifax. They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation within XXXX days or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All equifax did was send me a response saying the accounts were n't reporting which they are. Equifax - A medical bill with an account number listed of XXXX and {$490.00} balance, A medical bill of {$81.00} with an account number listed of XXXX, A medical bill with an account number listed of XXXX for {$57.00}, A medical bill with account number of XXXX for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also XXXX XXXX. I also filed disputes with XXXX and XXXX they have not responded to my request for proof of investigation which was over 52 days ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with equifax. I am following up with this complaint in hopes that they really do an investigation this time. XXXX - XXXX XXXX XXXX and XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in 30 days. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX ,   XXXX   and Transunion. I would like to see my credit updated correctly. Tax lien remove, no scores decline after submit  Dispute and Inquiry sto p going into my credit report.

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 2017-05-04 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: NC

Complaint narrative:
XXXX  Experian and  XXXX . I would like to see my credit updated correctly. Tax lien remove, no scores decline after sub mit Dispute and Inquiry sto p going into my credit report.

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