vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I 'm confused as to why XXXX XXXX REMAINS on my credit reports when they did n't provide the requested documentation in 30 days. I 've tried resolving this issue with Equifax as well as XXXX however to no avail. Equifax said the account is verified however calling to match up numbers is n't enough to properly validate an account. Also, XXXX XXXX with XXXX knows for a fact she did n't respond nor provide proof in 30 days under the law yet she continues to ignore my consumer rights. It is now XXXX and I have given XXXX as well as Equifax more than enough time to do the right thing. At this point I am ready and willing to seek legal action. This is my final notice before litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American express has frozen all of membership points for no reason at all. I have called several times and they keep telling me it will take 6-8 weeks for someone at corporate to review my account. I believe they have " randomly '' picked me out just because of my XXXX name. I can not find another reason for them doing this.There is no reason that ALL my XXXX membership rewards point should be frozen and this includes all my membership points accumulated, going on for several years now. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: ABR Recovery Services LLC.
State: KY

Complaint narrative:
I have attempted multiple times to have ABR Recovery Services quit reporting false information on my credit report. They are continuing to report that I have a balance and owe them money for a collection account that I paid off to another creditor. 
I have supplied this documentation to ABR Recovery Services and they have failed to remove their false reporting of this account to Equifax. I was denied a car loan due to this false report. I have do not and have never owed this company any money for the account that they are reporting. I have disputed this account directly XXXX XXXX, XXXX and to this day they have failed to respond to my dispute. I have also called to dispute this multiple times and the " XXXX ' offered me a 20 % discount and to have the account removed once I have completed paying the account. I explained that he was trying to collect on an account that was previously paid to another collector. This company is violating multiple federal laws by falsely reporting on my credit report and offering pay to remove services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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 — Investigation took more than 30 days
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I 'm confused as to why MDS Tradeline REMAINS on my credit reports when they did n't provide the requested documentation in 30 days. I 've tried resolving this issue with XXXX as well as MDS however to no avail. XXXX said the account is verified however calling to match up numbers is n't enough to properly validate an account. Also, XXXX XXXX with MDS knows for a fact she did n't respond nor provide proof in 30 days under the law yet she continues to ignore my consumer rights. It is now XX/XX/XXXX and I have given MDS as well as XXXX more than enough time to do the right thing. At this point I am ready and willing to seek legal action. This is my final notice before litigation.

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 2017-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX can pull your credit report to see if you owe money to other apartment complexes before they will rent to you. This lowers a persons credit score.

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 2017-08-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
This complaint is a restatement of the fact that Ocwen Financial Mortgage refused to acknowledge any court documentation, subpoenas or correspondence from their lawyers XXXX XXXX XXXX to my lawyers XXXX XXXX and XXXX XXXX of XXXX, Ohio. All of these legal forms were submitted from attorneys with loan numbers and the XXXX County Court of Common Pleas seal at XXXX.
Ocwen assigned XXXX XXXX of the Florida location who demonstrated no interest to the correspondence from CPFB and closed the case with a letter stating there was no lawsuit against me. The paper work indicated that XXXX XXXX XXXX owned by XXXX XXXX  had assumed mortgage assumption and refused to pay the bank for the property. I presented the contract and I was sued by Ocwen.
Finally, I was responsible for the legal fees, the homeowners insurance, the utilities and up keep of the property as this suit remained in court for almost two years. I have records of the amount of monies that I spent at XXXX XXXX XXXX XXXX, Ohio parcel # 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 2017-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Sir : On XXXX XXXX,2017 I was out of town, on a vacation, five hundred miles from my residence in XXXX XXXX. A letter arrived from Bank of America, regarding insufficient funds in one checking account. I reacted to The message immediately upon the date of this notice. I was not able to cancel my vacation therefore I applied for help at the nearest branch of Bank of America in XXXX, Nevada. The branch manager whom I spoke with informed me that the processing of this transaction was delayed only temporarily and my account funded later when I returned in two days. The information was incorrect and I should not be penalized for their error.

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 monetary relief
Consumer complaint received 2017-08-19 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have attempted multiple times to have XXXX XXXX XXXX quit reporting false information on my credit report. They are continuing to report that I have a balance and owe them money for a collection account that I paid off to another creditor. I have supplied this documentation to XXXX XXXX XXXX and they have failed to remove their false reporting of this account to Equifax. I was denied a car loan due to this false report. I have do not and have never owed this company any money for the account that they are reporting. I have disputed this account directly XXXX XXXX, 2017 and to this day they have failed to respond to my dispute. I have also called to dispute this multiple times and the " manager ' offered me a 20 % discount and to have the account removed once I have completed paying the account. I explained that he was trying to collect on an account that was previously paid to another collector. This company is violating multiple federal laws by falsely reporting on my credit report and offering pay to remove services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Anything due with ACCTS. Linked to address of XXXX Georgia us fraudulent, I never lived at or close to that address or town

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I tried to make an additional principal payment of XXXX. My mortgage allows curtailments and prepayments without a penalty. I was told by Wells Fargo representative on XX/XX/XXXX that I first have to make my regular payment first. I asked if I made a payment on XX/XX/XXXX whether my autopay for XX/XX/XXXX would still come out and I was told it would not. I made a regular monthly payment and an additional principal payment of XXXX on XX/XX/XXXX. The Wells Fargo representative was wrong and my regular payment was also taken by Wells Fargo autopay. My main concern is that the second payment also charged interest and escrow rather than being applied to principal in entirety. I object to paying duplicative interest and escrow payments in XX/XX/XXXX. I ask that my second XX/XX/XXXX payment be applied to principal. In addition. Due to wrong advice from WF representative and additional payment processed by WF one of my cc payments was rejected due to insufficient funds

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 monetary relief
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL

Complaint narrative:
I lived in the XXXX at XXXX XXXX XXXX back in 2014. There were some issues at this property and I had requested to move before the lease ended. I was advised to pay the lease breaking fee of {$1800.00} and will forfeit my security deposit. I had provided 2 money orders totaling that amount and once I had a walk thru with the property manager and they determined that I have a {$0.00} balance. I have Section 8 and you are not able to move from a property unless you have a {$0.00} balance. As you may know, I still have Section 8. A few years from when I moved from there, I saw on my credit report a balance of {$340.00} and later it increased to {$440.00}. I called the complained on BBB and the management property stated that I owed that money for repairs that were needed. There were no repairs needed when I moved out, which was the purpose of having a move out inspection. I checked in the state of Illinois and the state of Colorado and saw that the collection company IQ Data International IN does not have a license to collect in either state. Please help me to resolve this matter and remove from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card was used at XXXX for a XXXX dollar whoever did this used credit not sure if the transaction was keyed in are a copy of my card was use but my card never left my wallet i do n't make charges for that sizable funds checking my online account after being denied a transaction I discovered it this took placed on the XXXX to of the month of XXXX I noticed it on the XX/XX/XXXX the and contacted the bank on the same after returning a fax to them they emailed me saying they wo n't replace my funds that money was all I had please help XXXX @ XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Anything due with ACCTS. Linked to address of XXXX Georgia us fraudulent, I never lived at or close to that address or town

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 2017-08-19 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: AES/PHEAA
State: AZ

Complaint narrative:
The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?

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 2017-08-19 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: AZ

Complaint narrative:
The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?

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 2017-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
On the date of XX/XX/XXXX an account was opened in my name for a XXXX XXXX account in the amount of {$900.00}. I joined the XXXX and left for XXXX XXXX XX/XX/XXXX. When checking my free annual credit report around XX/XX/XXXX, I noticed a collection from AD ASTRA RECOVERY SERVICE with XXXX as the original creditor. After calling XXXX XXXX about this matter, they told me that this account was in collections with a third party collection agency and that I needed to contact them for payment details. I kindly explained to XXXX XXXX that this account was not opened by me, but they kept pushing the fact to call the collection agency and was done talking with me. AD ASTRA RECOVERY SERVICE did not help either, all they kept pushing was that I owed {$900.00} and how would I like to pay it. I explained to AD ASTRA RECOVERY the same thing that I explained to XXXX XXXX, I joined the XXXX and left for XXXX XXXX XX/XX/XXXX to XXXX XXXX, GA. where I remained for 2 months and 1 week. AD ASTRA really blew that off and was still asking for payment. I have been disputing this collection for over 4 years now and I keep getting the same results which reads " Account information disputed by consumer, meets FCRA requirements ''. The last update was XX/XX/XXXX and this account is still open and hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management has reported a debt that does n't belong to me with all three bureaus. I requested that they validate this debt and delete it my certified mail once in XX/XX/XXXX and again in XX/XX/XXXX. They 've yet to validate or delete it and it 's impacted my credit score negatively

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 2017-08-19 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: MA

Complaint narrative:
I graduated in XXXX. I started college in XXXX in which I took out a XXXX XXXX loan then switched to navient. After 3 years of graduating out of no where they uped my monthly payment TWICE as much. I was paying {$170.00} and bam out of no where {$500.00}. I called to lower my payment and instead of working with me on a plan, they told me I could pay {$200.00} each month but in 2 years I then would be paying {$400.00} and in 5 {$700.00}. It 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On the date of XX/XX/XXXX an account was opened in my name for a Speedy Cash account in the amount of {$900.00}. I joined the XXXX and left for XXXX XXXX XX/XX/XXXX. When checking my free annual credit report around XX/XX/XXXX, I noticed a collection from XXXX XXXX XXXX XXXX with SPEEDYCASH as the original creditor. After calling Speedy Cash about this matter, they told me that this account was in collections with a third party collection agency and that I needed to contact them for payment details. I kindly explained to Speedy Cash that this account was not opened by me, but they kept pushing the fact to call the collection agency and was done talking with me. XXXX XXXX XXXX XXXX did not help either, all they kept pushing was that I owed {$900.00} and how would I like to pay it. I explained to XXXX XXXX XXXX the same thing that I explained to Speedy Cash, I joined the XXXX and left for XXXX XXXX XX/XX/XXXX to XXXX XXXX, GA. where I remained for 2 months and 1 week. XXXX XXXX really blew that off and was still asking for payment. I have been disputing this collection for over 4 years now and I keep getting the same results which reads " Account information disputed by consumer, meets FCRA requirements ''. The last update was XX/XX/XXXX and this account is still open and hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: TX

Complaint narrative:
I have filed several disputes to investigate account. The company keep verified the account in less than one day  and not properly investigating it. I have explain to the credit reporting company that the XXXX XXXX is paid off. They refuse to update my account to paid in full.

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 2017-08-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting agency has delete a positive account from my credit report without authorization the account is XXXX XXXX and its account number is XXXX. I did not want company to do an investigation on this account did not have my permission

Company response to consumer: Closed with explanation