vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 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: LA

Complaint narrative:
I have filed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to XXXX, XXXX & Equifax to have XXXX XXXX removed off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which is inaccurate, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI is reporting an {$80.00} bill I do not owe. The original company placed debt on my report for equipment in which XXXX did receive. XXXX acknowledged receiving the equipment and removed the debt. AFNI collection is inaccurately reporting a debt I do not owe. I never received verification or validation debt in writing when I requested it and disputed multiple times on my credit report. I researched on the FL Department of Finance website and AFNI is not listed as a licensed collection agency to do business in the state of FL as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Was sent a letter almost a year ago, stating if I did n't start paying my loans or pay in full, that my paychecks would be deducted {$170.00} each pay period until balance was paid. Then after setting up a payment plan for {$15.00} a month, I was hassled my advisor everyday calling and leaving voicemails daily. Then they would send me something in the mail saying that my payment did n't go through or call me saying it did n't process and I would pay it again. Then suddenly they stopped my automatic payment plan and transferred over to a new collector, then said I owed XXXX XXXX monthly ( which was n't the contract ) then saying I was n't paying my amount when I was sending them payments. And keeps sending me " pass due '' bill statements. I was told that I would n't collect any more interest since it had gone to collections, I have yet to see any changes to the balance. It has been the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Navient student loan services constantly harass me by phone call almost everyday and they always collect money from me even if Im not finished with my college degree. It was agreed that i would start paying as soon as I was finished with school but nevertheless they tricked me and i have been paying my loans ever since the call started. I recently checked my credit score and it decreased XXXX point away from me just because of Navient. I have file a dispute and I'm afraid it won't be a success because i have no confirmation ID's on any of the payments. I recently paid off more than 500 dollars and my credit score will increase over time but i need this negative statement off my credit report !!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
Standander is stating i have a debt with them, regarding an auto loan.  I know they have the wrong person.  This is a family members debt with the same name has me.  This has happen a lot, and I tired to file a fraud paperwork but because the family member has taken out the debt and had it repo.  I don't have a lot of options.  When I call in to customer service, I give them my social and they can't pull up the debt.  I'm not sure what to do, but this had landed on my credit and I can't get an auto, or house loan, or any type of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Due to A serious illness we applied for A loan modification from years XX/XX/XXXX to XX/XX/XXXX to lower our payments and interest rates down from 8/12 per cent so we could afford the payments. The process proceeded on until the house was under water with no conclusion on the loan modification application process. The amount of money went from XXXX XXXX XXXX XXXX XXXX, to XXXX XXXX XXXX XXXX XXXX during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I been trying to settle this account for several months, I send several offers in order to settle this account, but the lender refuses to provide me with a counter offer or mentioned a percentage to settle. Please help with this burden of my back. Really appreciate your help.

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 2017-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. XXXX XXXX failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line, and the failure to request the tradeline be marked as one in dispute, my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.

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 2017-10-03 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: TX

Complaint narrative:
XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. XXXX XXXX failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line, and the failure to request the tradeline be marked as XXXX in dispute, my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: TX

Complaint narrative:
XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. XXXX XXXX failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line, and the failure to request the tradeline be marked as one in dispute, my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.

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 2017-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: KS

Complaint narrative:
I do n't know what this debt is-I 'm pulling the information off my credit report. I called the collection company and they have my information. But it 's for medical debts in texas, I have n't lived in Texas for over 10 years. I contacted my health insurance company and they have no recorded of any request for payment for hospital or doctor offices in Texas. What I did find out, is the debts are over 6 years old so they do n't have much of a record. But these debts keep sitting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: NC

Complaint narrative:
My husband and I requested credit investigations with Equifax back in late XXXX. Well over 30 days have passed. My husband received his credit investigation results but I have yet to receive mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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 filed a dispute with Equifax on XX/XX/XXXX over fraudulent inquiries I noticed on my credit report. They did not remove them, and I filed another dispute on XX/XX/XXXX. I contacted them by phone on XX/XX/XXXX and they told me they could not remove the fraudulent inquiries without a report. 

To date, I have at least XXXX fraudulent inquiries on my Equifax credit report that are hurting my credit score. 

I was able to contact XXXX and XXXX, and they removed fraudulent inquiries from their reports. Equifax is the only credit bureau that refuses to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: NY

Complaint narrative:
I purchase two XXXX gift cards from XXXX located @ XXXX XXXX XXXX in XXXX XXXX NY XXXX on XX/XX/XXXX. In XX/XX/XXXX I went to make a purchase at retailer and found out that the purchase was being denied. I therefore looked up the history of purchases via the website listed on the cards XXXX and found transactions on both cards which were not performed or authorized by me. Thereupon I called the customer service # listed on the back of the card and filed all the necessary paperwork with them and sent it to them @ fax # XXXX. I contacted them numerous times after to find out the status of the dispute. I was told to send further information which I did on XX/XX/XXXX again I sent information regarding the fraudulent charges via fax to the number ( XXXX ) which I was given. On XX/XX/XXXX I received a letter from the company ( XXXX XXXX XXXX, XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, SD XXXX confirming dispute and requiring me to sign the document and send back. I did so and sent the document back via fax on XX/XX/XXXX. Since then I have contacted the company numerous times @ XXXX in XX/XX/XXXX and XX/XX/XXXX and was told repeatedly to call at a further date. As of today 's call ( XX/XX/XXXX ) I received word that no action has been taken since my last call of XX/XX/XXXX and have not received a resolution and reissuance of funds back to me. Please help me in this matter. The giftcards are issued by 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 monetary relief
Consumer complaint received 2017-10-03 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: PNC Bank N.A.
State: GA

Complaint narrative:
Yes I was charged XXXX for a purchase with rv parts and I filed a dispute with my bank on my own secured credit card and they still have not issued my credit I prepared the case for them and gave them 7 emails so that they could win under the fair credit billing act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX calls my home phone & cell phone asking for another person regarding an outstanding debt. I have informed them the person they are seeking does not live at my residence and asked them to stop calling. Their response is asking me for other person 's info and then hanging up the phone. Today at XXXX XXXX home phone & XXXX cell phone they are calling me again. This has been happening for over a period of time. I am a senior citizen and they are disturbing me..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: Creditors Bureau Associates
State: GA

Complaint narrative:
Creditors Bureau Associates is trying to collect a medical bill on behalf of XXXX XXXX XXXX ( of which I do not recognize ) and have reported it on my credit and should not be there because medical bills are not lines of credit. Opened XXXX XXXX, XXXX ( of which I had insurance through XXXX or XXXX XXXX XXXX, up until XXXX XXXX I believe ) Amount of {$210.00}. I have asked XXXX and the creditor that they please remove this from my credit as IT IS NOT A LINE OF CREDIT. 

XXXX XXXX XXXX XXXX is trying to collect a medical bill on behalf of XXXX XXXX XXXX ( of which I do not recognize ) and have reported it on my credit and should not be there because medical bills are not lines of credit. Opened XXXX XXXX, XXXX. Amount of {$460.00}. I have asked XXXX and the creditor that they please remove this from my credit as IT IS NOT A LINE OF CREDIT. 

I have also requested XXXX to remove several hard inquiries that I do not recognize and/or did not authorize and they have yet to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
On XX/XX/XXXX we were advised our Reverse Mortgage was sold to Champion Mortgage of XXXX, TX. We were advised monthly statements would be supplied by Champion Mortgage. On XX/XX/XXXX we sent a letter to Champion Mortgage requesting information on how to make re-payments to Champion Mortgage. As of XX/XX/XXXX we have NOT received any monthly statements nor any instructions as to how to make re-payments. Further we are advised Champion Mortgage is the subject of a class action lawsuit for increasing fees and charges on elderly reverse mortgage holders by ignoring their request and making unauthorized inspections without knowledge of the property owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than XXXX  days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The accounts in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 0XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Dispute of {$1600.00} on my chase card was initiated by me on XX/XX/XXXX, for the charge that posted on XX/XX/XXXX. The merchant is XXXX XXXX XXXX XXXX  in XXXX XXXX, VA. I disputed it on the fact that services were not performed nor did I receive the services. After several months, Chase informed me in XX/XX/XXXX that they were siding with the merchant. The merchant has provided false information to Chase and I have provided proof that the information and answer by the merchant are lies/false. Chase refuses to understand even with proof that the merchant 's answer is fraudulent. The balance has remained which I will not and will NEVER pay any of this balance. Chase is allowing fraudulent activity by a merchant. There were never any services performed or received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
IN VIOLATION OF HIPPA CRA AND MY RIGHTS AS A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: OH

Complaint narrative:
This company has added this account to my credit reports. XXXX, XXXX, and XXXX. I have never received any communications from this company. I have no idea who they are. I have no dealings with them. Never heard of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: MI

Complaint narrative:
I received a Credit Report from Experian on X/XX/2017. There are multiple unauthorized requests for my Credit History I contacted Experian and requested they investigate and eliminate inquiries and they refused

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 2017-10-03 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: CA

Complaint narrative:
I tried to disput info from my eqiifax report. All the other companies fixed it no problem. Not only did they not fix it they deleted all my good credit, current and past. 17 years worth. I olve over the phone. Called them 9 times. Takes 40 minutes to get a human on the phone. They say I requested it I ask for supervisor and wait another 20 minutes. They repeat the first guy. I finally get one supervisor that admits I did n't do it but they wont fix it. I have to call creditors which I do. They wont call Equifax like Equifax guy said. Not how its done. So again I call and I wait, Go through whole thing again and they keep transferring me to nowhere, Or the ohone just loops from one recording to another. I call until they close, They refuse to return my imformation they deleted. Cost me over XXXX pts on my score. Now XXXX XXXX has returned the derogatory marks back to my report where the had removed them. No notice or reason why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 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: NC

Complaint narrative:
I have called Equifax, XXXX, and XXXX several times disputing hard inquiries on my report that I have not authorize. Especially Equifax after the breech, since it states that I could be effected by the breech. They state '' that I need to contact the credit companies to have them removed from my credit report ''. I have called the credit companies that pulled my credit and they state " that the three credit bureau has to do the removing ''. So I have called them back and stayed on the phones for hours for the three bureau 's to tell me it 's nothing they can do. These inquiries are on my report without my knowledge and I want removed for its hindering my credit score from working on purchasing my house next year.

Company response to consumer: Closed with explanation