vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BlueChip Financial
State: MS

Complaint narrative:
I got a loan from XXXX XXXX  for the amount of {$800.00}. I attempted to pay them the money and thought I would pay them back with just a few dollars for interest. They ended up restructuring the loan of {$800.00} saying that I owed {$2000.00}. The company is engaging in predatory lending practices on its loans to the consumer. The balance owed is more than 3 times what was borrowed. XXXX is engaging in assisting XXXX XXXX in predatory lending services working hand in hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
XXXX is stating that I owe a debt in access of {$660.00} dollars.and I am not understanding what the amount is based on.because still to this day of XX/XX/19 I am still with XXXX  phone service and has been.i pay my bill regularly on time every month..some has called me regularly stating that I owe and Ive told them numerous amounts of times I a still with XXXX  and pay my bill on time..Ive sent letters and attempted to call to settle this and yet still no conclusion and now it has been put on my credit ruining my credit score..please help me figure out what is going wrong..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: MI

Complaint narrative:
Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there are so many breaches and hack on the regular, and come to find out, someone outside the country whose not even a citizen has all of my personal information. I received a notice in 2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance, I am a XXXX employee, working for a XXXX, i take my finances serious. I'd like for this information to be removed from my profile

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 2019-02-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a certified letter to Experian Credit Reporting agency on XX/XX/2019 asking them to verify the collection account listed on my credit report they failed to do so one of the representative stated to me all they do is call the debt collector and ask them the name of the person who they listed as owning the debt and maybe the address and if they can verify your name and address then the debt stay on you credit report and I told him I don, t owe this debt what if my information was used he stated it don, t matter as long as the collection agency have your name and address then they consider its verified and keep reporting it keep reporting it I am so glad they have a consumer financial protection bureau because these people will completely think they can get away with everything I think Experian don.t care about reporting the wrong information on consumer credit report because they get paid to do so I have a fraud alert on my credit report and I asked them to please verify the debt and also to remove the collection that are not mine three companies listed a debt on my report that is not mine please make these company stop reporting information that is not mine and fix all the items on my credit report here is the letter I sent them On XX/XX/2019 which they fail to do so I sent them a letter stating this According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on my credit report. Otherwise, fraudulent account. That is reported company will be talking to court you have 30 days from the date listed above to send contract in full are I will see you in court I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts Action need to be taken Admittedly

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 2019-02-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My identity was stlen and someone had tried to open up cards and pull unauthorized hard inquiries with my credit. 
XXXX 1.XXXX XX/XX/XXXX 2 XX/XX/XXXX 3.XX/XX/XXXX XX/XX/XXXX 4.XX/XX/XXXX XX/XX/XXXX1.XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someone had pulled hard inquiries without my permission XXXX  1.XXXX XXXX, XXXX and XXXX XXXX 1. XXXX XXXX XXXX XXXX 2.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 non-monetary relief
Consumer complaint received 2019-02-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone had pulled hard inquiries without my permission XXXX   1.XXXX/XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX  1. XXXX XXXX  XXXX  XX/XX/XXXX-XX/XX/XXXX 2.Citi Cards CBNA XX/XX/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 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian, XXXX, XXXX, CFPB & FTC Please take note of the following : Per CFPB Complaint # XXXX Direct Dispute with XXXX XXXX. XXXX XXXX  stated the following : Our office received multiple disputes filed through the credit reporting agencies ( CRAs ) beginning XX/XX/XXXX. In response to those disputes, we reviewed our records and confirmed that the information we reported to the CRAs, including the number of payments and delinquency dates were accurate based on our records ; as such, there are no adjustments necessary. Our records do not indicate any previous changes submitted by XXXX to the CRAs. Any discrepancies reported by the CRAs would need to be addressed by them directly, as we report the same account information to all CRAs. 
According to XXXX XXXX the issue is with Experian, XXXX and XXXX reporting incorrect information and puts the burden of failure on each of the CRAs, as well. Ive disputed this account for inaccuracies ( 4 to 5 times now with each bureau ) and each time payment dates have changed. 
Question is : If XXXX is reporting the same information to each of you and you all are reporting differently plus the fact that the on-time/ late payment dates are being changed during each dispute. Who the XXXX, is making these inaccurate changes. In according to XXXX XXXX claim these are changes to the account they did not authorize or initiate. This constitutes fraud. 
Each Report for Each of these bureaus have changed during each dispute and I have the screenshots and the reports to prove it. See attached FYI : I have previously asked you to remove this account to it being inaccurate and unverifiable, but yet you refuse to. I hereby demand, the removal of this account in full based on the facts stated above and previously. You have failed verify the accuracy of this account but yet lie and tell me its verified when in fact it is not, repeatedly. 
[ attached : Screenshots showing various changing dates, etc ] Either the CRAs or XXXX XXXX is lying, but none the less, due to XXXX XXXX statement in our direct dispute CFPB Complaint # XXXX dated XX/XX/XXXX, this account just became unverifiable.

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 2019-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Receiving MULTIPLE calls a day from Navient about my 'debt. ' I have no account with them. They are clearly looking for someone -else-, however they leave no reference to the name or account number in question. 

When I called to try and deal with the situation ( twice ), they tell me they can't stop calling because I only have my phone number as a reference ; they required a name or account number. I tell them they aren't LEAVING a name or account number in their twice ( or more ) daily calls, and ... silence.

I asked for a manager ; they say one will call me back ( which didn't happen ). They call multiple times a day from different numbers ; I am a professor and I have to open these voice mails over and over to see who is calling me and ensure it isn't a student who needs my attention. This is harassment at this point. I even tried writing a Cease and Desist letter to their corporate headquarters, which was then returned as undeliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I opened a checking account on XX/XX/XXXX and the bank is refusing to mail me a debit card on the account. I have had a credit card account with Chase for years and wanted to have my banking at the same bank as my credit card. They are providing me no information why they are trying to restrict me from having access to my money, and the only thing I can think of is that are trying to use my money for the interest and not allow me access to it for that reason. All I want is a debit card, it is that simple. I am not sure if the actions by Chase are money motivated because they want to use my money to make additional interest, or if they are racially motivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
XXXX XXXX $ secured credit card. 
{$300.00} ... 

This card was requested to be closed utilizing the funding i put as a deposit to pay off the debt and close it over 7 years ago ... 

Advised it would be taken care of. 

Then i started receiving late payment notifications to which i requested card and account be closed and relinquished. From XXXX $ debt. 

They refused to take XXXX out of my XXXX ... And in turn charged me over 450 in fees that is what the debt is. 

They screwed me out of XXXX and my credit rating ... 

This needs to be completely reviewed and cleared

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 2019-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: LendUp Loans LLC
State: RI

Complaint narrative:
I responded to an offer for a credit card. The offer stated {$75.00} fee for 500 in credit. I accepted and used the card once in XXXX with a purchase of {$65.00}. I then tried to use it and was told the card was restricted. I called but was unable to get a reason for the restricted status. I never received a bill or an explanation and when checking my credit report there was a delinquency and an amount due if {$200.00}. I am disputing the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Loan was taken out in XXXX of XXXX, I had also taken out the insurance that would cover the payments, if anything happened. In XXXX of XXXX I had broken my foot and was unable to work for over a year. I asked Tower if the insurance would cover the payments, and at the time they told to bring them medical records, and it would be covered. I had several problems with Tower loan doing the correct paperwork work to get payments made like they should've been. I was told ins only made two payments and the rest was on me to make even though I had taken out the ins to cover such things if they did happen. I had asked them at different times for a print out of payments that had been made by myself and the ins company and have never received one. I was issued a summons in XXXX of XXXX served by a deputy to appear in court in XXXX XXXX I called the XXXX XXXX XXXX   was told to meet XXXX XXXX at the courthouse on that day and she would have the agreement paperwork for me to sign stating I would pay 200.00 a month. I met with XXXX outside the courtroom and was told " here is the agreement for you to pay 200.00 a month sign here, I have to get back in there '', nothing was explained to me nor did I receive a copy that day. I asked if she was going to mail me a copy of the agreement, she stated yes and I have still not received a copy of the agreement. I started making payments of 200.00 a month in XXXX. XXXX I was unable to make a payment in XXXX. I was going mail in a payment today, XX/XX/XXXX, but had gotten a garnishment letter with added expenses making the total from XXXX to XXXX to where after paying down to XXXX they added XXXX more to what it was with an interest rate of 51.91 % being compounding now.

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 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX, XXXX, TransUnion, CFPB & FTC Please take note of the following : Per CFPB Complaint # XXXX Direct Dispute with XXXX XXXX. XXXX XXXX stated the following : Our office received multiple disputes filed through the credit reporting agencies ( CRAs ) beginning XX/XX/XXXX. In response to those disputes, we reviewed our records and confirmed that the information we reported to the CRAs, including the number of payments and delinquency dates were accurate based on our records ; as such, there are no adjustments necessary. Our records do not indicate any previous changes submitted by XXXX  to the CRAs. Any discrepancies reported by the CRAs would need to be addressed by them directly, as we report the same account information to all CRAs.

According to XXXX   XXXX the issue is with XXXX, XXXX  and TransUnion reporting incorrect information and puts the burden of failure on each of the CRAs, as well. Ive disputed this account for inaccuracies ( 4 to 5 times now with each bureau ) and each time payment dates have changed.

Question is : If XXXX is reporting the same information to each of you and you all are reporting differently plus the fact that the on-time/ late payment dates are being changed during each dispute. Who the XXXX, is making these inaccurate changes. In according to XXXX XXXX   claim these are changes to the account they did not authorize or initiate. This constitutes fraud.

Each Report for Each of these bureaus have changed during each dispute and I have the screenshots and the reports to prove it. See attached FYI : I have previously asked you to remove this account to it being inaccurate and unverifiable, but yet you refuse to. I hereby demand, the removal of this account in full based on the facts stated above and previously. You have failed verify the accuracy of this account but yet lie and tell me its verified when in fact it is not, repeatedly.

[ attached : Screenshots showing various changing dates, etc ] Either the CRAs or XXXX XXXX is lying, but none the less, due to XXXX XXXX statement in our direct dispute CFPB Complaint # XXXX dated XX/XX/XXXX, this account just became unverifiable.

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 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX, Equifax, XXXX, CFPB & FTC Please take note of the following : Per CFPB Complaint # XXXX Direct Dispute with XXXX XXXX. XXXX XXXX stated the following : Our office received multiple disputes filed through the credit reporting agencies ( CRAs ) beginning XX/XX/XXXX. In response to those disputes, we reviewed our records and confirmed that the information we reported to the CRAs, including the number of payments and delinquency dates were accurate based on our records ; as such, there are no adjustments necessary. Our records do not indicate any previous changes submitted by XXXX to the CRAs. Any discrepancies reported by the CRAs would need to be addressed by them directly, as we report the same account information to all CRAs. 
According to XXXX XXXX the issue is with XXXX, Equifax and XXXX reporting incorrect information and puts the burden of failure on each of the CRAs, as well. Ive disputed this account for inaccuracies ( 4 to 5 times now with each bureau ) and each time payment dates have changed. 
Question is : If XXXX is reporting the same information to each of you and you all are reporting differently plus the fact that the on-time/ late payment dates are being changed during each dispute. Who the XXXX, is making these inaccurate changes. In according to XXXX XXXX claim these are changes to the account they did not authorize or initiate. This constitutes fraud. 
Each Report for Each of these bureaus have changed during each dispute and I have the screenshots and the reports to prove it. See attached FYI : I have previously asked you to remove this account to it being inaccurate and unverifiable, but yet you refuse to. I hereby demand, the removal of this account in full based on the facts stated above and previously. You have failed verify the accuracy of this account but yet lie and tell me its verified when in fact it is not, repeatedly. 
[ attached : Screenshots showing various changing dates, etc ] Either the CRAs or XXXX XXXX is lying, but none the less, due to XXXX XXXX statement in our direct dispute CFPB Complaint # XXXX dated XX/XX/XXXX, this account just became unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: Medical Data Systems, Inc.
State: MD

Complaint narrative:
XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS , INC . Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS , INC . was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is a counter response to WF 's response to my original claim filed in XXXX WF is distorting the facts about my loan modification process and not owning the responsibility that because of how they handled the loan modification, this has put me in arrears of $ XXXX that they are now demanding I pay in full or I'll be facing foreclosure. They are refusing to work with me since I filed my initial compliant and as retaliation for filing my complaint. WF need to assume their role and responsibility in putting me in the position I'm in and resubmit my applicable for HUD partial claim that had been previously offered to me.

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 2019-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX has a debt on my Credit Report that is beyond the Statute of Limitations for CA. They can only have a debt marked as collection for four years. They have attempted to keep the debt in collections by changing the name to XXXX  XXXX XXXX. 

This needs to be removed from my report as Collection. I have stated repeatedly that I do not owe this debt and XXXX XXXX XXXX has never been able to substantiate it. They are now attempting to mask it under XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation