vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-06 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: TX

Complaint narrative:
I have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting. XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX Credit - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE harleys in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims. <P/>Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/XXXX- XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX - XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: TX

Complaint narrative:
I have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting. XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX Credit - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE XXXX in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims. <P/>Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/XXXX- XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX - XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2017-07-06 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 — Was not notified of investigation status or results
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
the company Universal Aceptence Corp/ Car Hop they always say that your credit will go all the way up. they say they can help me while them while they have the free will to cotinue calling me emailing me stating if i dont pay they will repo my car or turn off the car. which scared me respect

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 2017-07-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I would Like to file complain against XXXX and Experian which are credit report company. I called them to dispute hard inquires on my credit reprot and they want me to call each company on my report. I did call some of them and some companies will send letter to dispute and some will not. My name is XXXX XXXX Email address is 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 2017-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY

Complaint narrative:
I provide debt relief services, and Global Client Solutions LLC " GCS '' ( a subsidiary of XXXX XXXX XXXX ) establishes for my clients a sub-account within a master custodial account maintained at a FDIC-insured bank. My client ( s ) authorized a fee payment to me which GCS stole and absconded with the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: NY

Complaint narrative:
Navient calls my daughter, myself and my ex-husband about 20-25 times a day each. They do n't answer, and I am at work all day where I ca n't answer the phone, so they call my work as well as my cell phone number. I am going through a very bad divorce, my husband left with the marital funds and I do n't know where he is leaving me living from paycheck to paycheck ( and not a lot ). When I was home after having XXXX in XX/XX/XXXX, Navient called my work again and again ( a college main office ) and had the nerve to leave a message for me with our STUDENT WORKER!! They asked for me and, said it was XXXX from Navient, and said to forward a message to me about a personal matter. How mortifying a student had to email me at home in recovery about my late student loan payment! This is from when my daughter went to college for her degree several years ago. <P/>Here is what I found in my inbox from my STUDENT WORKER! Checking in & Forwarding message XXXX XXXX XX/XX/XXXX to me Hi XXXX, I hope you are healing fine and getting plenty of time to relax and restore. I 'm emailing you because a call came in for you by a woman named XXXX from Navient. She asks for you to contact her when you get the chance. Her number is ( XXXX ) - XXXX - XXXX XXXX XXXX. <P/>
Kind regards, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On XXXX/XXXX/XXXX I faxed a letter to TransUnion because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX 2.  XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX  XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX On XXXX/XXXX/XXXX I faxed an additional letter to TransUnion because I noticed unauthorized and fraudulent credit inquiries made by 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. <P/>On XXXX/XXXX/XXXX I received a standard form letter stating why companies access credit information. <P/>On XXXX/XXXX/XXXX I faxed another letter requesting validation and documentation.

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 2017-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: OK

Complaint narrative:
I have tried many times to come to a suitable arrangement with the company and what I can afford. I have multiple emails with them threatening me with fraud charges and them saying this is the best offer you 're going to get. They have also called me multiple times at work after me advising them not to do so because I could lose my job. I had to choose between repairing my car and having a place to live and they would not work with me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Looking for help in resolving a misunderstanding that has cost me {$140.00} in late fees and negative impact on credit report. Began earlier this year when I discovered my old Target credit card had expired I applied for a new one. I later learned, however, that my previous online profile does not carry over from one card to another and therefore, the settings I had in place to pay my account in full each month ( as I do with all my credit cards ), had been reset. In addition, I verified the settings were in place after the new purchase, but assume now I was seeing the old online profile. I assumed statements received were duplicative and the account was being paid. <P/>I never received other notifications from Target, by e-mail or by an identified phone caller. What I did receive, which I discovered in hindsight, were repeated robo-calls coming from a non-identified number that never left any voice mails. All this couldve been easily resolved with a simple phone message or e-mail notification. <P/>It was not until I received a letter from the collection agency that I became aware of the matter and when I did, I immediately brought my account up to date. However, by this point, there was no ability ( or willingness ) to adjust late fees and my original a {$56.00} purchase had ballooned to nearly {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
I have been contacted repeatedly by several different debt collection agencies about a debt owed to XXXX XXXX XXXX, XXXX, Pa. by an XXXX XXXX. I do not know how his name got connected to my cell number as I have had the number for 7+ years. I told the debt collection firms in XXXX, Ohio ; XXXX, Pa and the accounting department at XXXX XXXX that this is not XXXX 's number, that the only XXXX XXXX I knew is one that I arrested, that he is not at this number and to quit calling. Calls stopped for a couple of months and then I got one today from XXXX. I called them back ( and even though I blocked my number it was displayed to them??? ) Medical Revenue Service I explained this to the woman and she said that they just got the " account ''. She said that she would remove my number but the others said that too!!! I was recently informed by a neighbor that XXXX XXXX is XXXX, that he XXXX after an XXXX or something in the XXXX County ( PA ) jail. I informed these people of that. Someone needs to get the message across to XXXX XXXX XXXX and their debt collectors to get their information correct before they start harassing people and to get a system in place to remove bad information from the system Apparently this latest company buys bad medical debt and tries to collect, in this case they wo n't because XXXX is 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 2017-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
This is another in a series of charge and account discrepancies on my account levied by Ocwen.  

From: XXXX XXXX 
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX  XXXX
Subject: XXXX XXXX, Loan XXXX, XXXX -XXXX XXXX

Thank You for providing a breakdown of the outstanding miscellaneous fees on the account.  I do have to point out more discrepancies and errant charges similar to the ones recognized on my escrow advance.

Highlighted below, why am I being charged for foreclosure fees and title reports last year.  The loan was still in an unemployment modification at the time and is currently not in foreclosure.  I was unemployed from XX/XX/XXXX-XX/XX/XXXX.  Ocwen was well aware of my situation at the time and actually started a second modification review process when the first modification ended.  Since regaining employment in XX/XX/XXXX, I have repeatedly been denied the opportunity to make payments and start a long-term repayment plan.  

I want to reestablish recurring payments, keep the house and rebuild my credit.

Please removed these charges from my account when determining my long-term repayment plan that I have repeatedly asked for.  

Date Description Amount
-------------------------------------------------------------------------------------
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX 
XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXXXX/XX/XXXXProperty Inspection $XXXXXX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXX Property Inspection $XXXX 
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXForeclosure Fees $XXXXXX/XX/XXXXTitle Reports $XXXX
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Valuations $XXXX 
XX/XX/XXXX Property Inspection $XXXX
XX/XX/XXXXProperty Inspection $XXXX
----------------------------------------------------------------------------
Total $XXXX

Thank YouXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Saw a hit on my credit bureau from a collection company. I called the number and was told they were collecting for XXXX XXXX. I advised that the debt was not mine and I had never received notice of debt before going on my bureau. They told me they had the wrong address which is why they did not notice me. I told them to remove debt and they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
GC services is a loan servicer that has my loan threw The department of education. they said if i do 6 payments consistant then my loan will go outta default. I DID THAT THEN THEY STATED I NEEDED 9 CONSECUTIVE PAYMENTS TO FINISH THE PROGRAM. THEN THEY GARNISHED MY TAXES. I DID THE PROGRAM THEY SAID THEY WOULD THEN WAIVE THE REST OF THE LOAN AND THEY DIDNT THEY JUST SOLD MY LOAN TO ANOTHER SERVICER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: WA

Complaint narrative:
I called my card on on XXXX XXXX 2017 before going to get a money order at XXXX XXXX it said that I had XXXX on my card, I got to the store and only XXXX was on it I cant get a hold of anyone or do anything and this is the 2nd time this has happened. I got XXXX dollars taken off my card and no one can tell me where it went or anything I am tired of this and I do not have any recourse on this. <P/>I can not get a hold of any one with Direct Express because the automated system keeps hanging up on me. It says we are experiencing higher than normal call volume and hangs up on me. <P/>this is the only money I get for the month and then I am out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX told me that the cost of my XXXX work would be {$40.00} because my wife had really good insurance. Then after the work was done it was {$450.00} because there was some kind of error. They told me they would do an audit of my account to see what the difference was and get back to me. They never got back to me. They just sent me a bill which I did not pay because they told me they would do an audit of the account. My wife and I called them numerous times and they never gave an explanation. If they had told me it would have been that expensive at the start I would not have had the work done. <P/>Then we came to find out that they reported the account to collections as it is now on my credit report to AWA Collections on XXXX XXXX, 2016. AWA has never contacted me to get the debt resolved they just added it to my credit report which I feel is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX. All my accounts were handed over to a law firm. I checked my credit report in XX/XX/XXXX and  noticed that all my accounts have been closed and discharged except one from XXXX XXXX for {$1600.00} ( originally from XXXX ). I look up their phone number and call ( XXXX ) XXXX to get an account number so I could dispute since I have recieved nothing in writing prior. I speak to rep that transfers me after I provided my social. The second rep proceeds to verify my identity and then tells me that they will not provide me with even an account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I logged into my mobile banking app and noticed my account had a negative balance. When my work day ended at XXXX I proceeded to deposit {$50.00} into my account which would have placed a positive balance of approx. {$32.00} in my account. upon the completion of my deposit I noticed my account was still negative approx. {$1.00}. I then logged into my account and saw a overdraft fee had been applied. I proceeded to contact customer service. I had previously been informed by customer service that if a negative balance was corrected within that business day no overdraft fee would be applied. Upon talking to customer service I was told that since my account went negative on XX/XX/XXXX that I should have corrected the balance that day. I was under the understanding that XX/XX/XXXX is considered a federal holiday and therefore not a business day. The customer service representative then informed me that US Bank considers any day a business day regardless if it is a weekend or holiday. The CSR told me that since it was now XX/XX/XXXX they had applied an overdraft fee of {$36.00}. When I question how that was possible, due to the account going negative on a federal holiday and not a business day I was pretty much told oh well that us how we do it. This is not the first time that I have had problems with this bank and their ridiculous overuse and abuse of overdraft fees. But it is the last time.

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