vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: PA

Complaint narrative:
Consumer Adjustment Co is reporting a negative collection account on my credit report ( XXXX, XXXX, XXXX ) The debt is from a hospital called, '' XXXX XXXX Hospital '' located in the state of Missouri in which I do not live in. I have never received any services from that named hospital and have informed the debt collection agency that this fraud. I have been a victim of severe ID theft. I have provided the agency with proof of my dispute of fraud and this account is still listed on my credit report, reporting negative every month. I have sent in letters directly to the agency and also have done a direct dispute with the actual credit bureaus. I'm at lost of what to do now ... .. I just need for this fraudulent account to be removed from my 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 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have two hard inquires on my credit report that we not made by me. They were applied on XX/XX/2018. I believe my identity has been compromised.

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 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is XXXX XXXX XXXX XXXX account number the bureaus are reporting XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is XXXX XXXX XXXX XXXX account number the bureaus are reporting XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.

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 2018-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
This complaint is in conjunction with a previous complaint I filed against my previous mortgage lender, XXXX. 
I filed a complaint against them for an unauthorized unapplied funds account due to their error and never notifying me. They shorted me {$1400.00} on my escrow account and then transferred my loan to Mr. Cooper. Mr. Cooper failed to notify me that they were my new lender and so my payment was late. And then they continued to raise my monthly payment stating I was short. After I conducted my own investigation and found the discrepancy, XXXX made good and forwarded the {$1400.00}. 
However, prior to that XXXX sent a letter stating that if I paid them {$1200.00} my account would be good and I would not owe anymore money. I did this. The {$1400.00} XXXX sent to Mr. Cooper was then placed on a monthly payment as opposed to returning it to me. I demanded the money be returned to me due to them not having permission to utilize it for a payment. It was returned.

Now Mr. Cooper says that they have placed an unapplied funds account stating I am {$1400.00} short in my escrow account. I have never been late for my payments. I have documentation from Mr. Cooper starting if I paid the {$1200.00} all would be good. However now they are stating my monthly payment is going up yet again. I can not speak to the previous people Ive been dealing with. I can not get anyone to call me back.

I have been dealing with this for almost 1 year and nothing has been resolved. I would like some assistance. Due to all of these issues with Mr. Cooper they submitted numerous late payments to the credit bureaus which have affected my credit score. I have never been late. I have bank documentation stating so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
In XX/XX/XXXX or XX/XX/XXXX, I spoke with a representative from Navient. In XX/XX/XXXX, I spoke with  XXXX, from Navient. We stayed on the phone for over 20 minutes. Three days later, XXXX calls back and explains there was a problem with the e-sign. I told her I was at work and had to handle the call expeditiously. She assured me it would take about two to three minutes. Once we were on the phone for over 10 minutes, I had to hang up. I have repeatedly asked Navient NOT to call me at work. Now, they are calling everyone with the same last name, even though they were not authorized to call. Navient is harassing other people with the overwhelming phone calls. They still call me at work even though I have asked time and time again not to call me. Representatives from Navient are informing people that this is a business matter, which essentially says, they are a bill collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i made a deposit to my chase bank through the atm machine and my funds were withheld all of them.

i made a deposit on the same bank through mobile and it was cleared a day after. the checks concerned are both the same from my employer.

how come there is a hold on t his one? all of my funds of {$2700.00} were withheld.

emailed the banks several times and got conflicting responses. first, i was told there is no hold.

second, there is a hold.

I would like to request that holds will be done on my check/s I should be given the option to cancel my deposit at the atm machine so that i can just encashed it at the bank where the check was drawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
" SOUTHWEST SYSTEM " I see service with that company under my name in a credit report and I have no clue about it, no knowledge at all regarding this. 
The service was opened on XX/XX/XXXX at {$1700.00} and up and right this month of XX/XX/XXXX the bill is now {$1900.00} up. I need help regarding this matter. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc.
State: FL

Complaint narrative:
Was notified on my credit report of a negative impact. When investigated I discovered a charge that I am completely unaware of from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: Kriya Capital, LLC
State: LA

Complaint narrative:
I sent the following correspondence to credence on XX/XX/XXXX : Dear : Credence Resource Management On XX/XX/XXXX I noticed this debt on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Louisiana Fair Debt Collection Statute RS 9:3562. Please forward the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 
I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 
Aside from verifying the debt, do not contact me about this debt. The FDCPA require that you honor this request. 
Sincerely, XXXX XXXX On XX/XX/XXXX they let me that they had received my complaint and would investigate. On XX/XX/XXXX I requested the results of the inquiry in writing with additional calls on XX/XX/XXXX and XX/XX/XXXX with no response. The company then responded on XX/XX/XXXX indicating they were still investigating. I then called the same day and received no clarity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
At the end of XX/XX/XXXX, I went through a very nasty divorce that brought financial burden on me and lots of instability by making me change my residence 5 times in 2 years and lastly ending up living in my car for 8 months. Despite all these events, I was able to secure employment and an apartment. Meanwhile, the Student Loans were sent to a collection agency that imposed very high collection fees. On a debt of $ XXXX, the agency added $ XXXX.in collection fees. I called the collection agency on two occasions ( XX/XX/XXXX & XX/XX/XXXX ) and wrote them once ( XX/XX/XXXX ) in hopes to lower or remove the collection fees, but they refused. On the contrary, they mentioned that the collection fees will be going up every month if there is no payment received on the entire balance due of {$31000.00}. For 8 months, I lived in my car during XX/XX/XXXX-XX/XX/XXXX. How can I have {$31000.00} in my back packet to pay them when I need to pay rent and secure food and shelter for myself?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 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: MI

Complaint narrative:
I am a victim of identity theft, I filed a police report back in XX/XX/2017. I sent each credit reporting agencies the documents to fix the issues of fraudulent accounts and inquiries. The reporting agency equifax has been giving me a hard time since XX/XX/XXXX of getting the information removed, I have sent them every document that was asked and still nothing has been done. I was told by them them that I can dispute the information a 100 times and it will still be the same result, I have been hung up on and spoken to very rudely, I have disputed the information more than 10 times. I would like to be treated like the victim and not the thief that stole my identity. This has went on long enough and has become a hassle in my life where I cant get anything due to what is being reported on my credit. I am just asking for the accounts and inquiries to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The company is trying to collect XXXX in behalf of XXXX. They have reported to the credit agencies this information incorrectly and now are involving XXXX to report the information incorrectly to replace their name as the collector of the debt. I have been advised that this debt was going to be corrected but it now is being used to hurt my credit by XXXX and Caine Weiner initiated it and replaced their name with XXXX 's name. There is no proof that this debt is mine and I have made the request to provide this information and it is up to 4 years old. This information has been reported to 4 credit bureaus. This is purely a tactic to harm me as they have stated that they would do by moving the debt from them to XXXX and back and forth to keep reporting it badly on my credit report. I am now being reported badly with no proof. This has been ongoing for over 6 months and continues with misrepresentations and new bad information showing up on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: WA

Complaint narrative:
My husband and I submitted investigation requests to Equifax and XXXX XXXX on XX/XX/XXXX. More than 30 days have past, and we have yet to receive responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My husband and I submitted investigation requests to XXXX and Trans Union on XX/XX/XXXX. More than 30 days have past, and we have yet to receive responses.

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 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
About XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. Around XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, but this credit bureau has a bankruptcy reporting on my credit and has it listed as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Account is paid off. Court records state that and have last payment proof. Put on credit report as in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Services is attempting to collect a debt not owed. The information as to where the debt is from is false, and the incessant phone calls from different numbers and verbal abuse from collecting agents has bordered on harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My homestaed property loctaed at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX was in forceclosure and taken away on XX/XX/2012 I was never aware of this the bank of Bank of America and XXXX XXXX never contacted me to inform me of this situation. I would of gladly worked with these banks and I would of never lost my property that I worked so hard to obtain my homestead property. I never received any documents that the above mentioned property was going into foreclosure. I will provide any documents necessary.

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 2018-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
Leased a new bed and a scratch n dent stove from XXXX " Lease to own/My Not Lease It '' I have paid well over twice the purchase price of the items.

They don't tell you that after 3 months that they automatically take your purchases out of lease to own and basically you start rented the items. No one tells you about this. So, you believe that one day that the payments will end and you will own the items. That's what they told me in the store! That this is a lease to own. Make the payments and at the end of a period of time you own the merchandise.

This is total FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: PNC Bank N.A.
State: MD

Complaint narrative:
. I requested a copy of the online application filled out online to get this credit card. Did not receive it. May I have a copy of the online application used to get this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I received a letter of denial from XXXX XXXX for a vehicle I did not try to purchase. The requesting Auto dealership XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not on the internet with a valid phone #. My credit report was run by Ally Bank and was denied. The reporting Credit Bureaus were XXXX, XXXX, and something called XXXX XXXX XXXX. XXXX XXXX XXXX The difference on my credit was reported lower with XXXX by 200 points. I don't care about that but what I do care about is I never tried to buy a XX/XX/XXXXXXXX XXXX automobile. This report should never have been run. 
Application Number w/ Ally Bank was XXXX reported on XX/XX/XXXX They gave a phone # on the letter to call XXXX but I was suspicious of this # so I looked Ally Bank up on the internet and called the XXXX  number listed on the web. Of course they do not know anything about it and can not give me any info. They even said they did not have a complaint dept or fraud dept I could speak to ( is that even legal? ). They insisted I give them my DOB and SS # over the phone. I refused and ended the phone call. Also- I do not know who XXXX XXXX XXXX is but there are numerous complaints filed with the XXXX and disparaging remarks on the internet about this Credit Bureau . they list a phone # XXXX but it is also on the letter so I refuse to call it. This has got to be illegal and if it is, I want to know how to fixt this so I can keep them from running my credit report. I think Ally Bank and XXXX are committing fraudulent operations.

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