vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance Group & Associates LLC
State: FL

Complaint narrative:
I was called at my cell phone number (  XXXX  )  XXXX  on   X/XX/17     at  XXXX . The caller id was (  XXXX  )  XXXX  and I answered and heard silence due to the dial being placed with an autodialer. When I got connected, I informed the caller this was a cellular phone and I requested not to be called.   I received another call from  (   XXXX   )   XXXX  to my cell phone number (  XXXX  )  XXXX  on    X/XX/17    at  XXXX . I answered and heard silence again from an autodialer and was then transferred to a representative. She stated she was calling fro m Alliance Group an d  Associates regarding a collecti on matter from   XXXX   XXXX   XXXX   XXXX . She did not give any disclaimer about call recording or give the required mini-miranda disclaimer. I asked why they continue calling my cell phone after I have requested no further calls and why they called with an autodialer and I explained this violates the TCPA. She immediately asked me to commit to payment for a debt I do n't recognize and then made threats to damage my credit and garnish my wages then hung up on me!   I called back  (   XXXX  )  XXXX  and another rep answered and did give a call recording disclaimer along with a mini-miranda disclosure. I asked again why they keep calling my cell phone with an automated dialer and she claimed the number was located through skip tracing and is permissible so I asked to speak with a supervisor. I was placed on hold then the same representative came back giving me a number in South Carolina for me to dial. I asked why I ca n't speak to a supervisor at her location in Pennsylvania based on her caller id. She stated she too is in SC and refused to transfer me and hung up.   I dialed back once more and another female answered and also refused to allow me to speak to a supervisor and hung up on me.   I have searched the internet and I am unable to locate a website for  Alliance Group and Associates and I  question their collection practices. I believe they are deceptive and are not following federal regulations or treating me respectfully or fairly. I feel harassed and with this experience, they have violated the following  : 1. My request to not be called on my cell phone further 2. The TCPA has been violated by calling my cell phone multiple times with an automated dialer 3. They refuse to allow me to speak with a supervisor and hang up on me continuously 4. They did not give all required disclosures ( call recording and mini-miranda ) 5. They are using spoof caller-id numbers to misrepresent themselves as a company local to Pennsylvania - and for no reason ... I live in Florida even though my cell has a PA area code 6. They are making outragesous threats to garnish my wages which is excessive and not permissible

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 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Requested credit line increase on Costco credit card, was denied and ECOA notice sent X/XX/17. ECOA notice stated denial was based on XXXX credit bureau on the basis of showing a garnishment, attachment, foreclosure, collection action or judgment either paid or unpaid. This information is erroneous, I went and double checked my credit report for all XXXX bureaus, none state any public records concerning credit. Spoke with XXXX, Account manager Citi ID # XXXX and he stated that he can not do anything but pull my credit again, resulting in additional inquiry to credit which would be impactful to my FICO. XXXX was a great guy to talk to, and he is absolutely not the problem. It seems that Citi does not provide the adequate information to it 's employees to resolve issues like this. Should the CFPB wish, I can provide a copy of my XXXX report and the ECOA notice to document that I do not have any public records on file in 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 non-monetary relief
Consumer complaint received 2017-05-26 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: Unifin Inc.
State: GA

Complaint narrative:
I received a call from  XXXX . They were very rude and refused to verify or validate the alleged debt and told me that they will put it on my credit and it will hurt my credit. They will not disclose the address of the agency nor will they tell me the proper name of the agency. When I call, they will not answer. And when I did speak to agents, they yelled and screamed at me and argued with me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Please see attached letter for details. I do not owe this debt. They are illegally trying to collect from me. They have illegally without my {$600.00} security deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I h ad a conventional mortgage until recently. I was serviced by   XXXX   XXXX   XXXX   XXXX  . I  was in the process of selling the property, and there was also a modification in process. The first payment for the modification was due   XXXX   XXXX       2017     which I paid in a timely manner. The next payment was due    XXXX   XXXX   2017 w hich I also paid in a timely manner. When I contacted Equifax,   XXXX   and  XXXX , after selling the property in    XXXX   2017, to  make sure tha t  XXXX  w as no longer reporting the mortgage as having a balance, ( I sold it      XXXX   XXXX  , 2017 ), I  discovered tha t Ocwen had reported that two pa yments in     2017   as being late. This would be impossible. First, as I stated above, the mortgage was in modification status. And, the trial payment f or   XXXX   XXXX  , 2017, w as paid. In addition, I paid  XX/XX/XXXX  payment, even though I knew I was selling the house in a few days. Thus, there were NO Late payments paid in    2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I 'm  currently banking with chase and have been for years. I have  XXXX  checking accounts with them. This morning we I wake up to two insufficient funds fees added to my account prior to this I received no notifications stating that my account was overdrawn anything nor did I get a notification about the first insufficient funds fee added this is not the first time this has happened to me it 's been happening over the years that I 've been banking with chase but now I tired I feel that there just taking money for no apparent reason, money I do n't have to give away I have kids to feed. When I called and told them about my issue they tell me that 's there is nothing they can do, I asked even if there a mistake on the banks behave the representative says " there nothing we can do ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-26 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: SC

Complaint narrative:
I have filed a Dispute with Equifax, Dispute number  XXXX . This dispute came back to me as resolved pertaining  XXXX  agencies I filed on. Both have been removed from my credit report as you can see on the attached results from Equifax. I was pleased. Then recently in a updated credit report, this item that was investigated and removed from my report ended up being placed back onto my report. This is getting really irritating. How can you investigate and have this  XXXX   XXXX  collection removed and then in a month have it added back again? I think this reporting bureau should lose their right to credit reporting. I have circled in red the disputed action taken from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
I contacted XXXX XXXX and 1st Investors Financial SErvices about several inquiries that are on each one of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in XXXX XXXX getting ready to move the following month I had no need to be shopping for a car in Missouri, I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate of TEXAS I have the RIGHT to request VERIFICATION of how they received information. XXXX XXXX sent a letter back dated XX/XX/17 stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in XXXX XXXX Missouri. I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract XXXX to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing my credit score to decrease and I want these inquires removed from all there reporting agencies immediately.

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 2017-05-26 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: TX

Complaint narrative:
I contacted  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   about several inquiries that are on each  one  of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in  XXXX   XXXX  getting ready to move the following month I had no need to be shopping for a car in  XXXX , I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate o f  XXXX  I  have the RIGHT to request VERIFICATION of how they received information.  XXXX   XXXX  sent a letter back dated   XX/XX/17   stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in  XXXX   XXXX ,  Missouri.  I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract  XXXX  to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing m y credit score  to decrease and I want these inquires removed from all there reporting agencies immediately.

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 2017-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: CO

Complaint narrative:
A medical debt was obtained by N.A.R. North American Recovery from XXXX XXXX XXXX XXXX Hospital and was billed to myself on XX/XX/XXXX for the amount of {$530.00}. I was next billed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of N.A.R. for the amount of {$550.00}. I contacted XXXX XXXX XXXX onXX/XX/XXXX and was told my account balance would be {$710.00}. I asked for an explanation or summary for charges at the time and was told " they could n't disclose that until the bill was paid in full. I reluctantly paid the full amount of {$710.00} which processed onXX/XX/XXXX by N.A.R. I asked for a summary to then be sent to me for viewing. The summary arrived quickly on theXX/XX/XXXX, however, did not state anything except that it was paid and the amount. I called N.A.R. on XXXX XXXX to ask for a summary or explanation of charges and was transfered to XXXX XXXX XXXX. I was told the charges added were for the summons that had been prepared by their law office. I asked the legality of adding fees being collected by a debt collector, and was told I had signed an agreement at the hospital on the date of my accident that I would cover any and all legal fees associated with this bill. My question would be is this a valid charge for interest & legal fees?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
The  XXXX   XXXX  settlement case. Turned in my car on   XX/XX/XXXX ,   promised that Chase would  pay $ 12,000+.  It is now   XX/XX/XXXX ,  my  XXXX  settlement account is blocked and I was told that Chase would call. They never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The company keeps calling stating I 'm late XXXX payments which Equals over {$450.00}. I keep requesting to have a lower monthly payment and in order to do so each month they keep requesting a full payment, and then the next month continue with the same sequence. I can not afford {$160.00} a month at this time. It 's frustrating and scary to think I may lose my credit due to student loans my parents took out for me when I was n't old enough to understand the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I had   XXXX    Capital One a ccounts that were included in m y 2013    Bankruptcy that was discharged years ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  Capital One cla ims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: VA

Complaint narrative:
I am having an issue obtaining my credit report with Experian,  XXXX  and  XXXX . I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot o f one  of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one star reviews and complaints by consumers who have other persons ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX     2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.

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 2017-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I  fell behind on my mortgage due to medical reasons.I sent Diitech monthly payments and they sent them back to me. I requested a modification and Ditech to refuse to letting me apply for a modification. I have a schedu le sale date on   XXXX , 2017  that need to be cancelled

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
Boug ht   XXXX    XXXX  at    XXXX   XXXX   and financed them, I guess throug h Citizens Bank.   Payments are hitting m y    XXXX   XXXX   credit card monthly  (   XXXX   pa yments each month ). I have never received any statement, have no idea what the account number is, the balance, etc. I attempted to find the loans o n the Citizens website, ho wever I do n't have any account number. Attempted to call, they could not locate the loans. I have n't received anything on either of these loans ( no disclosures, statements  ), the only thing I get is an auto email each month telling me that the payment is being processed. I have no idea what the rate is, the APR is, or the term is. Because I was never giv en disclosures with this information, I should not have to pay the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
All loans have been paid & closed

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 2017-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX   XXXX ,    2017  Consumer Financial Protection Bureau   XXXX   XXXX     XXXX    XXXX    XXXX , IA  XXXX   RE  : Complaint Against   XXXX   XXXX   and all  XXXX  major credit bureaus To Whom It May Concern : I have requested from the creditor   XXXX   XXXX   and the  XXXX  major credit bureaus to update my credit report to reflect the correct beginning balance and that the account was paid in full, on a 90 days same as cash transaction. The response was that the creditor verified that the information was reported accurately.     I purchased  a sofa with ottoman f rom  XXXX   XXXX   XXXX  and entered into a financial transaction with   XXXX   XXXX   with the intentions on paying off the remaining balance, after an initial down payment, within 90 days ( Same As Cash ). Not only did I pay off the balance in full, I paid it off in 60 days instead  of 90.  I also have a Certificate of Ownership and a receipt from  XXXX    XXXX    that certifies that I own the  sofa and ottoman o utright.     From the beginning, it appears that  XXXX   XXXX  assumed that I wouldnt pay off the merchandise within 90 days so, they reported to the credit bureaus that my beginning balance was over {$2100.00} and the current balance is showing as over {$1800.00}  (  Please see uploaded documentation from my Experian credit report ).     The account balance has never been anywhere close to {$2100.00}. I only paid {$710.00} for t he sofa & ottoman before  taxes and delivery fee. I put down over {$200.00} plus taxes and delivery paid to  XXXX   XXXX . I paid the initial, monthly rental payment almost  2  months prior to th e  XX/XX/XXXX  due date then the remaining balance of a little more than {$400.00} on  XX/XX/XXXX . The deadline to payoff the balance on the 90 days same as cash agreement was  XX/XX/XXXX . I   demand that  XXXX   XXXX  report the correct beginning balance and that the account is paid in full on all  XXXX  of my credit bureaus. Its damaging my credit and  credit score  when it appears that I went out and applied for {$2100.00} in credit when in fact, it was only {$710.00} and 90 days same as cash.     Thank you.

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 2017-05-26 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I had    XXXX     XXXX   XXXX  accounts that were included in my  2013    Bankruptcy that was  discharged  years ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  XXXX   XXXX  claims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!

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