vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
In XXXX of this year XX/XX/2018, I enrolled in auto pay for my 5 outstanding student loans that are processed with Navient, see attachment A. Enrollment in auto pay qualified me for a credit and on XX/XX/2018, I received a letter from Navient acknowledging the amount of credit to be {$1200.00}, see attachment B. 

The {$1200.00} credit was posted to a loan which I just paid off in XXXX, so I had to call Navient customer service to apply the credit to pay off 3 out of 4 remaining loans. On XX/XX/2018, I received acknowledgment letter about it, see attachment C. 

On XX/XX/2018, I called Navient to increase my automatic payment amount in order to pay my last remaining loan faster. I am not sure what happened at Navient at that point, but my credit was retroactively taken off, see attachment D. I didn't receive any notifications about this at the time. 

On XX/XX/2018 I received Navient notification that I am past due on my loans and showing outstanding balances on the loans that were paid off, see attachment E. 

I had called Navient numerous time trying to resolve the issue, the last call on XX/XX/2018 was almost two hours. The customer service representatives agreed with me and assured that the errors would be corrected, but nothing has been done so far. I keep the log of my calls to Navient should you need the details. Please help me to get this issue resolved, I am not supposed to be charged interest for the loans that have {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have checked my credit report today and realized I have another hard inquiry. I have not applied for any line of credit at the moment as I am working on improving my credit. The dispute is from Barclays Bank Delaware, I have not left my state in 5 years and its nowhere near Delaware.

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 2018-08-24 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: Risecredit, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, this company named Rise signed for an letter that I sent certified with a return receipt asking for proof that an amount they say I owed in the amount of {$650.00} that i found on my credit report. I do not owe this to this company and I'm asking for help in getting proof that RISE has a contract bearing my signature, which I know it does not. I am still waiting for the contract with them as of XX/XX/XXXX. The only thing they sent was a letter saying my claim was frivolous. If they have a contract they can send it the same way they sent me a letter saying it was frivolous. This is an account from XXXX that I know nothing of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: Monterey Financial Services LLC
State: TN

Complaint narrative:
placed in debt collection without proper written notice as per consumer protection laws collection service called but no written info until filed inquiry with consumer protection. it is difficult for me to converse on phone due to medical condition. plus to many phone scams. I need my credit report cleared or at least assurance that it will be cleared written and mailed to me, also did not receive copy of original complaint all I received from collection is a copy of a 14 year old contract I need current info from original deters contact info name fax number etc. also would need info on total amount was arrived at that I owe not just a statement but actual numbers so I can make sure this does not happen again. to put it in simpler terms who are you sending the money to when I pay you. look forward to resolution. will be un able to communicate for a few days medical treatment thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, this company named XXXX signed for an letter that I sent certified with a return receipt asking for proof that an amount they say I owed in the amount of {$650.00} that i found on my credit report. I do not owe this to this company and I'm asking for help in getting proof that XXXX has a contract bearing my signature, which I know it does not. I am still waiting for the contract with them as of XX/XX/XXXX. The only thing they sent was a letter saying my claim was frivolous. If they have a contract they can send it the same way they sent me a letter saying it was frivolous. This is an account from XXXX that I know nothing of.

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 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
This morning at XXXX on XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP was added with an open date of XX/XX/2018. On XX/XX/2018 i received the same notification on my XXXX   credit report, upon receiving this notification i immediately contacted XXXX  and CFPB to dispute this Debt collection that did not belong to me and it was removed and deleted by Credit Management LP on XX/XX/2018 ****Copy of previous dispute on XXXX This morning XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP with an open date of XX/XX/2018. I did not open an account with CREDIT MANAGEMENT LP or any original creditor. The original creditor listed does not provide services in my city or state. This Debt was disputed and removed from XXXX approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company XXXX XXXX XXXXXXXX XXXX sold it to another collection company after it could not be validated. This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees. 

***************************************************************************

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The debt of {$570.00} was paid in XX/XX/2017. The light place reported it back to the bureau but did not delete it. I disputed said collection and they won't remove it from my credit report. One bureau has already deleted it from my report but experian won't. This is affecting me buying a house and I just want it resolved /deleted so my family can be under one roof again.

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 2018-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
We received our collected mail from the post office today, after having been on vacation for about 11 days. In the mail was an unsolicited credit card from Chase, called the " XXXX Rewards Visa Signature Card ''. The card did not have my full name on it, just my first and middle initials and last name. I never applied for or in any way requested this card. I called and reported it to Chase immediately and spoke to XXXX in their Security Fraud Division who says she has closed the account and will investigate. However, she could not give any confirmation number or other means of confirming that I had reported the issue and that this unsolicited account is in fact closed and that it will not affect my credit. 

This seems to be a likely case of identity theft but also a case of Chase issuing credit cards without proper checking of identity and then not handling the aftermath in a way that makes the violated consumer whole. In this time of rampant identity theft it seems highly negligent to issue a credit card without even knowing the first name of the person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FM

Complaint narrative:
Subject : Wells Fargo lawsuit just issued. 

Hi, I am a single XXXX year old lady. I am not sure of the date but I had a credit score of XXXX in XXXX - XXXX and I was renting my home out to keep it. I fell one month late and Wells Fargo started foreclosure. I begged for help. They were mean and not helpful and moved quickly to foreclose. At one point I finally reached out to family who gave me the {$4000.00} to stop the foreclosure. Wells Fargo said it was too late. The loan was perhaps {$160000.00} or XXXX. I had {$40000.00} in equity and was doing all I could do to hang on to my home. I had never been late with any kind of payment before in my entire life. I ended up homeless and because of having no where to live had to file bankruptcy which was quite traumatic to say the least. 

My children purchased a condo 6 years later in XXXX for me to live in. Three months after I moved in XXXX, the money their father left them in XXXX XXXX went up in smoke and the condo was worth half what they paid. They had no money to pay for it. I am doing every thing I can to stay on top. My credit score is up around XXXX. I just applied for a job as a XXXX in the XXXX. 


Is there anyway I can be included in this suit? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I sent in a Good Will Letter to Navient within 30 days they forgave me and deleted all of my late payments. Then the following month they took it back. I have proof that they forgave me then put the late payments back on my crew report. Please help me XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: COMMERCE BANK
State: AR

Complaint narrative:
COMMERCE BANK FINALLY CORRECTED OUR ON LINE ACCESS! WE WERE UNABLE TO MAKE ON LINE PAYMENTS AND AS A RESULT HAD TO PAY BY U.S. MAIL. ( SEE ATTACHED ). PLEASE CORRECT LATEPAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: GA

Complaint narrative:
I am a victim of identity theft, on XX/XX/2018, I presented a dispute to the 3 major credit reporting agencies via mail of accounts on my personal credit that I never benefited from nor authorized, yet after 3 calendar months I have received nothing in resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Caine and Wiener have NEVER SENT ANY CORRESPONDENCE TO MY HOME ADDRESS, this is NOT MY ACCOUNT, I have reached out to them on many occasions only to be told this is my account, THIS IS NOT MY ACCOUNT, AND I WANT IT REMOVED AND DELETED FROM MY CREDIT REPORT, I AM A VICTIM OF IDENTITY THEFT AND HAVE SENT THEM THE COPY OF THE FTC REPORT AS WELL WITH NO RESPONSE, I ALSO FILED A CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX AND IT WAS CONVERTED TO A CHAPTER XXXX ON XX/XX/XXXX WHICH I INCLUDED THIS ACCOUNT ( ONLY REASON I INCLUDED IT WAS BECAUSE THEY WERE AND STILL ARE REFUSING TO HAVE THIS DELETED FROM MY CREDIT FILE, PER MY ATTORNEY INCLUDE IT WITH THE BANKRUPTCY SINCE ALL INFORMATION I MYSELF, ATTORNEY AND TRUSTEE HAVE SUBMITTED TO CAINE AND WEINER WITH NO RESPONSE, I WANT THIS ACCOUNT TAKEN CARE OF AND DELETED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: MI

Complaint narrative:
On XX/XX/2012 an auto loan was taken out in my name with a company by the name of Westlake Financial in XXXX. I lived in XXXX  at this time. Theres a balance of {$7500.00}. I have been disputing this fraudulent account for years now. Its now still reporting to my XXXX  and giving me the hardest time. Not the mention by state law in XXXX debt collection credit reporting has a Statute of Limitation of 6 years. Now, Ive tried and tried and tried and this company still has not taken this off. Please remove this account as it is not mine and also violates my rights by law of ( SOL ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am in conflict with two ( 2 ) accounts that is reporting on my XXXX and XXXX XXXX credit consumer report. 
Named account XXXX. 
I had gone to the emergency room visit in XXXX FL. XXXX XXXX XXXX  around XXXX where my visit was paid for by my health insurance - However unbeknownst to me the emergency room doctors were not, I was not told this by XXXX XXXX XXXX   at time of admittance. NOT FAIR. 
Now these two XXXX accounts listed on my reports is now affecting my life. 
I was refused due to a background credit check because of this issue, of all places mobile home park to reside in. 
I became XXXX XX/XX/2013, but my day in court was literally 4 years later. 
Nobody is sympathetic that at the time I needed the medical care, while doctors are working as " Sub Contractors '' in the emergency at time of my need, and was not informed. no mention of a payment plan from XXXX. Doctor/s did not get paid on their time line so I was reported to their medical collectors, " XXXX '' The sign on the wall of the emergency room reads, and I'm paraphrasing, Everybody will be seen by a doctor, no matter of ability to pay at the time. 

XXXX XXXX can not pull back my account from XXXX, because the doctor 's reported me and they are somehow not affiliated with the XXXX?! This makes no sense. Now it is too late to make payment arrangements because XXXX is all scripted robot humans whom only want payment 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 2018-08-24 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: GA

Complaint narrative:
I found a complaint stating that the merchandise received wasn't what paid for and also noted that I was promised a refund. XXXX then sent information saying the item was delivered to CITI Bank and I noted that this isn't what I was disputed I had ordered glasses and received broken glass. CITI told me that there was nothing they can do since the tracking showed it was delivered then I stated and provided proof that I was promised a refund which is another way to dispute the transaction. CITI stated that XXXX said I did recieve the refund but that it didn't go back to my card and asked had I received it another way ; I replyed stating that the notice showed that it was suppose to go back to my orginal form of payment. CITI Replied on XX/XX/2018 that there was nothing that they could do about XXXX stealing my funds. I was told I could only file a damage dispute after the dispute closed but when it closed on XX/XX/2018 I was told I had 60 days to file the damage dispute.

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 2018-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft, on XX/XX/2018, I presented a dispute to the 3 major credit reporting agencies via mail of accounts on my personal credit that I never benefited from nor authorized, yet after 3 calendar months I have received nothing in resolve.

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 2018-08-24 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: GA

Complaint narrative:
I am a victim of identity theft, on XX/XX/2018, I presented a dispute to the 3 major credit reporting agencies via mail of accounts on my personal credit that I never benefited from nor authorized, yet after 3 calendar months I have received nothing in resolve.

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 2018-08-24 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: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
I am writing to file a complaint against Santander. I filed for bankruptcy in XXXX  of XX/XX/2018and around the time of bankruptcy filing Santander removed the account all together from the credit reports. Santander was included in bankruptcy and now that my bankruptcy has been discharged all together Santander suddenly reappears on my credit reporting showing it as a charge off/action collection on XXXX XXXX, however, on other credit bureaus they are showing as included in bankruptcy with a zero balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: C & M Associates Group, Inc.
State: NJ

Complaint narrative:
Calls constant. Live persons and robot. The phone number does not belong to person they ask for. Will not stop and we have contacted them several times to stop. We have this number many years. They get very nasty and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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: TN

Complaint narrative:
On XX/XX/2018 I submitted an identity theft dispute to all XXXX credit reporting agencies via certified mail. I have waited nearly 60 days, without a response nor solution to accounts I've been a victim of.

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 2018-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am one who filed for loan modifications with Wells Fargo. Due to injuries sustained in a XXXX automobile accident, I was unable to make mortgage payments beginning In XX/XX/2015. From that point untilXX/XX/2017 when I was forced to sell my home of 20 years well under market value in order to avoid foreclosure, I was in constant communication with Wells Fargo and even asked how much earnings I needed per month in order to qualify for the modification. XXXX XXXX, the loan specialist assigned at the time stated, as much as you possibly can, while refusing all requests for a specific answer to my query. Since selling the property I have had tremendous difficulty, having moved 3 times in the past year, completely destroying cherished belongings and relationships along the way.

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 2018-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2018 I submitted an identity theft dispute to all XXXX credit reporting agencies via certified mail. I have waited nearly 60 days, without a response nor solution to accounts I've been a victim of.

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