vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I recently applied for an auto loan with XXXX XXXX and was turned down. I further looked into what scores they were referring to and found out that it was a credit reporting agency that I had never heard of called XXXX XXXX. There credit score for me was not even close to the other three agencies. They also had inaccurate information regarding my history. Based on this very unreputable company I was turned down for the auto financing form Ally. Their reasons for turning me down were not only inaccurate but very unprofessional because they were so wrong. This company should not be allowed to report credit worthiness for anyone.

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 2018-11-06 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: AZ

Complaint narrative:
I am currently applying for a mortgage loan with XXXX XXXX XXXX. Today they attempted to pull all three of my credit reports and scores ( XXXX, XXXX XXXX and Equifax ) thru XXXX XXXX. Only two scores came back ( XXXX   and XXXX XXXX ). Equifax had a message indicating my file is " blocked ''. I contacted the department within Equifax that handles consumer report " freezing '' via telephone today and was told there is no current freeze on my credit file and there is no history of there ever being a freeze. I contacted my mortgage lender with this information and they attempted to pull my credit but were unsuccessful. They gave me a telephone number to call ( XXXX ) which is the department within Equifax that oversees the " blocking '' of files. I called and again I was told there was no " block '' nor any history of a " block '' on my file. I contacted my mortgage lender again and after some research they were able to get information about the error they are experiencing : Error code XXXX signifies that Equifax has blocked the Lenders inquiry because the combination of demographics used ( i.e. Name, Address, SSN ) has been identified as fraudulent or not matching the credit file. To resolve this, the Lender must ask their consumer to contact Equifaxs Consumer Department at XXXX and validate the demographics the Lender is using to pull their credit report ( Name, Address, SSN ). Usually this is due to the info missing from the credit file or the information requires further verification from the consumer ( such as a new address or new last name due to marriage ). This occurs due to an automatic process in the Equifax system and is NOT put in place by the consumer. 

I have verified the mortgage lender is entering my correct name, address, social security number and date of birth when requesting my file. 

I again contacted Equifax at the number listed above and again told my file was not blocked. 

My mortgage lender will charge me a higher interest rate on my loan if they aren't able to access my Equifax report so this problem must be resolved IMMEDIATELY. This is an urgent matter. The closing on my new home will be delayed until they can get my Equifax file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: ERC
State: CO

Complaint narrative:
I had XXXX service when I moved to North Dakota in XX/XX/XXXX. When I arrived in North Dakota, I discovered that my service no longer worked. I call customer service only to find out that XXXX could not provide service in North Dakota. XXXX sent me forms to fill out so that I could return my equipment and told me that I would not be charged for the equipment or service since I arrived in North Dakota since they could not provide service. I was given an amount to pay that would bring my balance to XXXX   and assured that I would not be charged any additional amounts. I returned the equipment and paid the bill as instructed, but continued receiving bills for additional service charges. I call XXXX and was informed that their system simply had not been updated and that I owed nothing. Eventually the bill stopped coming, so I assumed everything was corrected, however, in XXXX, I found that XXXX placed the account with collections. I paid the collection account as a matter of eliminating the nuisance of collection, but now find that XXXX XXXX is reporting a collection tradeline on my credit report and is refusing to remove it. This account should never have been placed with collection and the collection tradeline is causing material harm to my credit and is preventing me from obtaining necessary financing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RMB, Inc.
State: NC

Complaint narrative:
I made monthly payments to RMB Inc. only for them to send my account to the credit bureau. I requested with XXXX on XX/XX/2018 to get set up on automatic draft. XXXX from RMB Inc. confirmed that I was set up on automatic draft and that everything was current. 2 days later I am notified that they reported my account to the credit bureaus. I contacted RMB Inc 9 times on XX/XX/2018 to speak with a manager. Every representative sent me to a XXXX 's voicemail. I started my first call at XXXX XXXX and ended my last call right before they closed at XXXX XXXX. The representatives were very rude, XXXX, XXXX, XXXX, XXXX, XXXX were all unhelpful. When I left my voicemail I requested someone call and leave a message and email me if they get my voicemail. I haven't received any communication or contact with a manager at RMB Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has harassed me and my co-signer over XXXX situations over and over for years and every time I figure out its an issue from their end and call them out on it they stop harassing for a bit. Now most recently they havent even been reaching out to me, the borrower, instead they just reach out to my co-signer without any attempts of reaching out to me, claiming that my account is past due but in reality it is not and when I call and give them payment confirmation numbers they claim that their system takes a long time to update. Yet they have already taken the money out of my account! This is harassment and they tack on unnecessary fees that dont have any explanation. They need to investigated bc they truly have nothing but Horrible intentions towards their borrowers and all they do is lie and try to steal more money! How does it make sense to never contact the borrower yet harass the co-signer? They have all of my contact information! My account is always up to date but bc of their slow system they claim its past due until I give them confirmation numbers. They have also marked my credit report and Ive attempted to dispute it several times

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2018 I charged {$5000.00} toward a car at XXXX XXXX. On XX/XX/2018 I had a damage loss for {$490.00} on the same car. I called Citi about the loss and they referred me to the programs department that offers damage guarantees. The programs department would not offer an explanation but denied my claim immediately. They could not explain the program but insisted it wasn't covered. They said I would receive a copy of the program through the online messaging system. I reviewed the messaging the next day and they did not sent any document about the program. They did sent a message on how great the program is for the Citi Card. 

Loss : Vandalism. Broken Window. Police report on file.

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 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
Barclay 's Card has submitted hard inquiries without proper authorization.. Inquiries were made when a request for a larger credit line were made during the below dates. A hard inquiry was made and I was unaware and did not accept them to do this. This has brought down my credit score. 

Written requests to Barclays have remained unanswered. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Request all inquiries removed.

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 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
I formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay ERC the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. ERC reference number:XXXX ERC customer : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have been running behind on my credit card due to a loss of income. End of XXXX my credit report reflected me 60 days late which was correct. I called the collection company handling their credit cards and they set me up on payments of {$240.00} a month and much lower reduced interest. I was told if I made my payment by XXXX my credit report would not reflect any further past due than 60 days. I did pay {$250.00} on XXXX. I received an alert on XXXX I had been reported 90 days past due. I called in to complain to Walmart and they said they didn't have access to credit reporting but would put in investigation to correct. Nothing ever happened. No phone call, no correction, nothing. On XXXX I paid another {$250.00} and on XXXX I again received alert Walmart is  now reporting me 120 days past due!!!! I was told this would not happen. What is the point of being on a payment plan if I keep getting further past due?? I called in and their employees are clueless. I have spoken to my bank and told I can dispute both of my payments and get my {$500.00} back if not corrected. I will give this until XX/XX/20 or I will have to get my money back from the bank.

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 2018-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
My mortgage was sold to Carrington. Prior to the selling I made my monthly payment online and timely. Now Carrington has added fees to pay online so my only option is to go back to the 1990 's and mail them a check monthly. This past month, I mailed my check on XX/XX/XXXX, on XX/XX/XXXX I started getting phone calls and messages from Carrington about credit counseling. Monday XX/XX/XXXX I checked my bank account and I saw that carrington had cashed the check electronically. ( if I do that there is a fee ) The money was out of my account, so this reminded me to call them. When I called  them I was told they are a debt collector, they told me my payment was late! I told them they have there money and I have till the XXXX of the month. I was then told my payment was going to go up as a result. I was informed over the phone that my new payment was {$810.00} instead of {$790.00}. I was told they are a debt collector and they now need 2 months escrow instead of the 1 month XXXX had in the loan origination agreement. 

In short, Carrington is not XXXX, they do not do anything to reduce paper use without charging the customer, They took / bought mortgages and are not complying with the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018, I ordered a 3-4 person double layer hydraulic-lift tent ( order XXXX from XXXX XXXX -- XXXX XXXX XXXX ) for {$69.00} and received on XX/XX/2018, a single layer tiny non-hydraulic tent ( it looks like a flimsy tent for a child/pet ). I disputed this charge after not hearing back from the customer service after lodging my complaint on XX/XX/2018. I sent photos and also noted that with checking, this XXXX XXXX is a XXXX scam and that there are many of us who were taken. Citi card denied my dispute " since we have not received the credit slip or chargeback approval letter from the merchant to prove they agree you are due credit for this charge. '' A description from others about the scam : XXXX XXXX XXXXXXXX

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 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My dispute is with Chase Card Services Original Claim # XXXX New claim # XXXX I have been trying to get rid of a double charge from XXXX XXXX in the amount of {$990.00}. 

XX/XX/XXXX Statement TOTAL= 2 charges and 1 credit for {$990.00} XX/XX/XXXX Statement TOTAL= 1 charge for {$990.00} XX/XX/XXXX Statement TOTAL= 1 charge and 1 credit for {$990.00} XX/XX/XXXX Statement XX/XX/2018 I was charged a late fee once for {$25.00} for not paying the disputed DOUBLE charge. Please remove the fee. 

GRAND TOTAL= 4 charges and 2 credits THERE SHOULD BE 3 CREDITS. I SHOULD NOT HAVE TO PAY {$990.00} BECAUSE I ALREADY DID. 

This is ridiculous. I received a service. I paid for it. I paid my credit card bill. And I keep getting charged again and keep disputing again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase Bank has requested my credit report without my knowledge on the following days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've sent written requests for proof that I had applied for these, Chase has not responded to any of the letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2018 I started refinance of my house. In the middle of XX/XX/2018 I was notified by my lender that they are unable to obtain my credit score from Experian. On XX/XX/XXXX I contacted Experian and was told that they have a glitch in the database, they created Ticket # XXXX and said that it will be fixed within 3-5 business days. 

On XX/XX/XXXX I contacted Experian again and was told about the same glitch in their database, they created another Ticket # XXXX and said that it will be fixed within 3-5 business days. 

On XX/XX/XXXX I contacted Experian again, talked to several different people, finally was transferred to a supervisor by the name XXXX, she was extremely unprofessional and not helpful, she said it may take weeks or months for them to fix the issue with my record and score. I asked them for a letter stating that they have a problem with the database, but they rejected giving me the letter. 

As of this day it hasnt been fixed, I can't obtain a loan, lost lock of the interest rate and dont know what to do.

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 2018-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
( 1 ) Background : I withdrew a total of four $ XXXX student loans ( $ XXXX total ) for school, two of which were from Wells Fargo ( $ XXXX + $ XXXX = $ XXXX total from Wells Fargo ). 

( 2 ) History : I had to leave my university due to unforeseen health issues, and continued & completed my education at a local college. This was when I pulled out the two Wells Fargo loans, with the intention of completing local college & going onto a 4-year degree & XXXX XXXX XXXX. 

( 3 ) Change of events : Due to my time in & out of school ( due to medical issues ), my repayment terms changed at Wells Fargo, and my interest rates on both Wells Fargo loans ballooned above 14 %. My other student loans are half that rate ( for the same original amount withdrawn ) ( 4 ) Payment history : To Wells Fargo, on the two $ XXXX loans combined ( $ XXXX total ), I have already paid back over $ 125k ( {$120000.00} to be exact ) and currently owe {$87000.00}. I feel this is predatory lending practices. So not only do I still essentially owe the original $ XXXX, but also $ XXXX more on top of that, despite having paid back over {$120000.00}. Wells Fargo lent me $ XXXX and has made an additional {$76000.00} profit off off me, so not only have I paid back the original loan amount, but more than $ 75k on top of that - more than double the original loan amount! 

( 5 ) Note on interest : On both of my loans, my interest is more than double the principle. I pay over {$1500.00} a month combined. 

( 6 ) Other student loans : In comparison, my other two $ XXXX loans from other companies are {$200.00} a month and {$260.00} a month, respectively, for a total of {$460.00} a month. Wells Fargo is surcharging me over {$1000.00} a month over what my other loans are ( same original principle ).

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 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MN

Complaint narrative:
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$1400.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
Failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation