vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Diversified Consultants, Inc. had a derogatory account on my credit report for an account belonging to XXXX. I am a victim of identity theft, I've already disputed the validity of this account and it has been removed from my credit profile twice. I recently moved and now I am once again starting to receive harassment via telephone and now U.S. mail regarding a debt that is not mine. Furthermore I have NEVER done business with Diversified Consultants therefore they have no right to contact me or harass me for a debt that is not even owed to them. The account number on the notice is XXXX and agency reference number is XXXX. The amount Diversified Consultants is threatening to damage my credit over is {$220.00}. Again, I have no business with Diversified Consultants, never have and I do not owe a debt to them or XXXX. I would like for them to discontinue contacting me and to leave my credit profile unbothered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: LA

Complaint narrative:
I decided to find a loan forgiveness program to start paying off my student loan and so it would not go against my credit score. I received a letter in the mail that said i I maybe eligible for services. I called the number and talked with a representative from Ameritech Financial. Her name was XXXX XXXX. She told me that i would pay {$170.00} for 13 mos then the payment would decrease to {$99.00} the 14th mos and going forward. She then transferred me to another agent who said that i would have to give my bank info because the payments had to be direct deposit so i did. Every month, they have been taking out {$170.00} and now {$99.00} as they promised. I have received a letter in the mail from federal trade commission that they are sueing Ameritech Financial for deceptive practices and the court has not ruled yet and that the money I've been sending them is not going towards my student loan. It also said for me to file a report and call them directly to cancel my membership which I will do after filing this complaint. I can send more documentation showing payments and the contract I've made with them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX CT on XX/XX/2016 to have a XXXX fixed were the XXXX XXXX off the XXXX XXXX XXXX # XXXX this is shown in second picture of the documents I have uploaded regarding this complaint. The XXXX had XXXX XXXX XXXX XXXX as you can see the dark XXXX mark in the XXXX with the XXXX XXXX XXXX XXXX at the bottom shows he XXXX XXXX XXXX XXXX. When I went to the XXXX he said he could place the XXXX back on the XXXX. I suffered allot of horror in this XXXX office. The XXXX XXXX XXXX XXXX XXXX that was working at XXXX XXXX  at the time seems to no longer work at this location at all. He seemed to have moved I believe to XXXX XXXX XXXX in XXXX CT. Tel # XXXX. This doctor stated he could fix my XXXX when attempting his practice with on me I found many strange un sanitary acts used upon my XXXX. I suffered great pains in this XXXX presents. My credit card company had taken payment away from him and failed to allow him to be paid I won the dispute against this doctor. Although I have won the dispute I managed to hire on a no fee unless I win with attorney XXXX XXXX XXXX in XXXX XXXX CT. This attorney seemed to pass on from a XXXX XXXX and my case was transferred to this Attorney XXXX XXXX in XXXX CT where you can see he gave me a letter of protection and then said later he could not obtain an expert witness to testify in court, so I could not bring a case against this XXXX XXXX XXXX at all. This was not making any sense to me at all. I was then given the opportunity to try to get my funds paid through the Connecticut XXXX Association. When I went to them for help I found that all these XXXX are sticking together, and I do not stand a chance at all on this damage caused to my XXXX from this XXXX resulting in over {$25000.00} in damages to my XXXX from him. You can see in the first XXXX picture that I enclosed that I had to pay to have the XXXX # XXXX XXXX the same day that he tried to place his XXXX XXXX XXXX XXXX into my # XXXX XXXX that was XXXX   XXXX. As soon as the XXXX wore off the XXXX was hurting, and it was XXXX. I used care credit to fix the XXXX and I was given a letter of protection thinking I am getting this money back from the representing attorney XXXX XXXX from XXXX CT Tel # XXXX. This is really misrepresentation and I will most likely be filing a grievance against this attorney for what he did. If you can please keep this collection away from me with XXXX XXXX that has been turned over to This Attorney XXXX XXXX XXXX XXXX that is asking me for {$7500.00} to be paid to his office. There is letter of protection the attorney never did any proper job at all for me that was representing me. If you have any further questions please contact me at XXXX. 

Sincerely Yours 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 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I was contacted by this firm XXXX XXXX stating that I was a victim of predatory lending. 

This correspondence reference the complaint filed against XXXX XXXX. This was a firm that sought me out alleging that I was a victim of predatory lending with mortgage company ( Pennymac ) I had completed two trial payment plans ( 6months ) of {$1200.00} a month each to get an approved modification and XXXX in late fees and delinquent payments was added on. 
Thanks XXXX XXXX and established a business contact stating the firm represent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
The current holder of my Mortgage, Freedom Mortgage Company at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX NMLS ID : XXXX has failed to pay my Taxes out of the escrow account for the past 3years, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They had an incorrect TAX ID entered for my property and have been using my money to pay the TAX bill on a different property. XXXX county and the City of XXXX received this over payment and returned it to Freedom mortgage company, who now have no record of the returned payment. In XX/XX/XXXX I received notice of failure to pay XX/XX/XXXX property taxes from the city of XXXX. Upon calling the City of XXXX I found that they had not received payment for XX/XX/XXXX and XX/XX/XXXX and these tax leans had been sold of to a third party lean holder, XXXX XXXX. If XX/XX/XXXX taxes were not payed by XX/XX/XXXX they to would be sold off to the same lean holder. I called Freedom mortgage company In XXXX where they discovered the issue was their fault and they would get it fixed in 7 days. 30days after that call they still could not provide me with an update on the back taxes and the payment of XX/XX/XXXX 's taxes which were now due in 5days. I then paid the XX/XX/XXXX taxes and fees out of my pocket so that these would not be sold off again. I have called on a weekly basis since then, no one from management has ever called me back and the only people that can provide updates on the status are the TAX Department and the Escrow Department however you are not allowed to speak with them directly. On XX/XX/XXXX I sent to Freedom Mortgage company the payoff amount required by XXXX XXXX for the XX/XX/XXXX and XX/XX/XXXX tax Bills amounting to XXXX to release the Lean. I also sent the receipts for my personal payment of the XX/XX/XXXX taxes and fees amounting to XXXX. Every time that I call in they tell me that a resolution will be provided in 2 week ... At then end of may a note was placed on my account that payment was sent to XXXX county for XXXX dollars and I was called stating a refund was being sent out to me. XXXX county is not owed any money.and no one ever called me. They can not tell me exactly where or who they directed the XXXX county payment or its current status. They also do not show any payments being sent to me. Every 2weeks I call in and get a new Customer service person on the phone, restate my case, correct the miss information, resend receipts and am Told this has been escalated and I will receive a call in 7 days. There is never a call and the process repeats upon me calling in.

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 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners
State: CA

Complaint narrative:
Business sent a text message asking that I return the call. I forgot. 2 days later I get a call from a private number. I answer and speak to a XXXX XXXX. She verify 's the case number in the text message and then begins to verify my personal information. First she calls me a man, I am not a man ... Then she confirms my DOB which the date she had was incorrect, then she confirms my social. Which was incorrect. Then she asks about a street that I lived on at one time. I am familiar with the street name from my childhood, however she did not give a street number. Because I have lived on that street 20 years ago, I acknowledged the street name. Then she begins to tell me I have an unpaid debt from XX/XX/2009 and it's currently $ 1800+ the {$2500.00} court fees because they are getting ready to file a lawsuit against me. I let her know that I the account is not mine and that I have no recollection of it. She stated " Well they said you opened the account, and good luck in court, if you don't settle this account today ''. Once again I told her that I am not settling any account today, first it's not my account, 2nd she provided me in depth details about the wrong person and their account, and 3rd that she would be the one needing the luck in court, because the DOB and Social that they have for " me '' as she stated is not correct. Not only that she threatened me with court for an account that was closed in XX/XX/2009. Even if this was my debt the statute of limitations is 4 years from account closure, or last negotiations in my state. She said I will be mailed the court documents and it would be best for me to show up, again I let her know that she didn't even have an address for me and she said it will go the the last know address. This is not right! It's not my debt, but if she had convinced me and I hadn't known better, and paid this account off for something 1 that I don't own, but was scared about being sued so I paid it, and 2 that I didn't know my statute of limitations for my state, that I could have been tricked into paying something that I can not be sued for. This is not the proper way to handle something like this. Now I have access to a social that is not mine, and a DOB as well as an account number. What if I was an identity thief? This company basically provides any information necessary to attempt to make a dollar. In this day and age this should be stopped, as people do pray on the identity of others, and now this business has provided me someone else 's info.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-05 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: Credit Card Receivables Fund Incorporated
State: PA

Complaint narrative:
I recently filed a complaint against XXXX XXXX  about an inaccurate information on my report, they responded by saying that account was sold to Unifund. address : XXXX XXXX XXXX XXXX, OH XXXX XXXX Since then they've not been involved in reporting the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: FL

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

This item Bankruptcy : Discharged CH-XXXX XX/XX/XXXX XXXX-XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items could not be validated with written proof of contracts or chain of title for collection agency along with copy of license for the state and it has been well over 30 days as required by law. The original request occurred XX/XX/XXXX, followup sent XX/XX/XXXX and then again XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a store credit card with Macys on or about XX/XX/2015. I purchased a shirt with the expectation to pay off the balance in full. However, sometime afterwards I ended up receiving a call that I was late on the payment. I had not received any reminder notices in the mail or via email and resulted in paying the small balance over the phone. However, it still has a negative impact on my credit report. If possible, I would like to resolve this issue. Please advise -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 2018-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My account # XXXX was frozen by Citibank in XX/XX/2018. Citibank has NOT mailed the ( last ) XX/XX/2018 statement to my address on record. Why???

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 2018-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I contacted Transunion and spoke with a supervisor whom I advised Of 7 hard inquiries on my credit report that were not authorized by Me. I did not request for my report to be pulled by any of the companies listed below. I was instructed by the representative that I could file a complaint on the hard inquiries from the following companies that I will list below. 
XXXX XXXX refused to assist me in disputing the inaccurate information. She refused to dispute or investigation stating that they do not dispute the hard inquiries and that I had to contact the companies directly or if I did not want to do so I could file a complaint. 
My complaint is that Transunion does not have any signed documents that allow them to place hard inquiries in my credit report therefore I would like the removed immediately. the unauthorized Inquiries are as follows - I am Requesting that Transunion Remove the following Hard Inquires from my report. The report number for my Transunion is XXXX 1. XXXX XXXX - inquiry XX/XX/2017 2. XXXX XXXX XX/XX/2017 3. XXXX XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 5. XXXX XXXX   XX/XX/2017 6. XXXX XX/XX/2017

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 2018-07-05 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/2018 I sent a written request via USPS to TransUnion for a free, complete copy of my credit report. I included proof of my Identity and current address with my written request. 

This is the first credit report that I requested during XX/XX/2018. 
This is the first credit report that I have requested in the last consecutive 12 months. 

I have not received my Free credit report that I requested.

I have received no response from TransUnion and my request was made over 90 days ago.

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 2018-07-05 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I contacted Experian to resolve a issue multiple times and they refused to reinvestigate issues that I have. 
They claim it was verified but it wasn't Bankruptcy. Not verified please re verify XXXX XXXX XXXX. 
please reverify Unauthorized credit inquires. 

Not removed. 

I should have no hard inquires on my Experian credit report. 

I'm sick and tired of getting the run-around. 

Please remove all unauthorized hard credit inquires. 

Thanks

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 2018-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc.
State: TN

Complaint narrative:
Ingo Money App ( infomoney.com ) is a shell company created by XXXX XXXX XXXX XXXX ( XXXX ) that provides mobile/online check-cashing services via mobile app. My tax refund check was stolen out of my mailbox and fraudulently cashed using the Ingo Money App in XX/XX/2017 by an unknown person. I have contacted both the XXXX XXXX and Ingo to  obtain a refund of the money ( {$850.00} ) they facilitated the theft of and both have refused to provide restitution. When I called to inquire about the " customer '' who cashed the check in my name, Ingo admitted to having the thief 's email address and phone number but would not release it to me without a subpoena. Ingo also admitted that they do not require any identification whatsoever to cash checks. Their website advertises the option to cash checks into any form of cash that can not be traced back to the casher, such as XXXX gift cards. They also advertise that should a check be returned as unpayable, the casher will not be fined or penalized. Their business model is geared toward appealing to identity thiefs and scammers and they need to be stopped. To date, I have not been made whole for my stolen tax refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I need some help maneuvering the student loan bureaucracy and ask for assistance to help me qualify for loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) program. Here 's my background : I have been paying monthly on my student loan since XX/XX/XXXX ( over 120 payments ). When I first started paying my student loan after XXXX school, I was making payments to Sallie Mae, which eventually was sold to Navient. Much like when a mortgage is sold, you just keep paying monthly to the loan provider, which is what I did. I also have worked full-time in XXXX XXXX for over 10 years. First, with the University XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX XXXX XXXX University ( XX/XX/XXXX- XX/XX/XXXX ). I qualify for the PSLF based on my years of public service and consistent re-payment of the load. Unfortunately, there is a loop hole in the law that the loans have to be consolidated under a directly consolidated loan through the federal government to qualify. Since was making payments through Sallie Mae and Navient, I was told by Federal Student Aid that my years of payments essentially " don't count '' toward loan forgiveness and I would have to consolidate the loan and make 120 more payments to qualify. I would have no way to have known about these options through Navient. This law was put in place to help those of us with crippling student load debt ; however, I would not have known to consolidate the loan back in XX/XX/XXXX when the law was put into effect. The issue is that I would have had no way to know this. I've done everything right. Consistent monthly payments for 14 years, working for state institutions and supporting public education. The issue is that

Company response to consumer: Closed with explanation