vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
I was contacted in XXXX XXXX by XXXX XXXX XXXX, a collection company contracted by Security Credit Services , LLC to collect on a debt of {$1600.00} that originated from a fraudulent line of credit at XXXX XXXX. This line of credit was the result of identity theft that took place on XXXX XXXX, XXXX. 

I faxed a copy of the police report and a personal statement saying that the debt is fraudulent to XXXX XXXX XXXX on XXXX XXXX, XXXX. After I sent the fax I followed up by phone to XXXX XXXX XXXX who told me the debt had been marked as fraud and there was no further action needed on my part. 

On XXXX XXXX, XXXX, Security Credit Services , LLC reported the collections account to XXXX and XXXX and is now on my most recent credit reports. 

At no time has anyone from Security Credit Services , LLC tried to contact me. I 've attempted to contact Security Credit Services , LLC by phone and email and have not gotten a response as of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: AL

Complaint narrative:
In the year of XX/XX/XXXX I attended the XXXX XXXX XXXX online for a XXXX XXXX. During that year The company XXXX XXXX XXXX agreed to tuition reimbursement. I completed the program with As in XX/XX/XXXX. The advisors then called and emailed me constantly to coerce me to continue studies in the XXXX program since I did so well, I explained that my salary was not enough to pay more loans, and they told me that they would guarantee me they would help me with finding a job in the {$100000.00} range that would improve my station in life. There was urgency due to classes beginning soon. After constant calls and emails I agreed to enroll after assurances that I would earn a high salary and be more comfortable in life. I continued with reimbursement program from the company. When I completed he XXXX program my grade point average was XXXX and I was congratulated. I contacted the XXXX for help in finding a job, I was told to enroll with all the job boards which I did. I also asked for a job with the XXXX  and wad told they were not hiring and continue with the job boards. I received no contacts from my resume submissions. I contacted the school and got no help. The only thing they were willing to do was defer payment and offer forbearance for the next nine years. Now the eligibility for deferment/forbearance ended and I am being harassed by Navient every day and several times a day. I explained that I was still in the same job that I started with with no raise or promotion. I was in the same status until XX/XX/XXXX when I was in XXXX XXXX and had to retire. I contacted Navient and asked  for a history of my account because they were not showing any payment on the account ever, I asked to have the account history sent to me in writing since my companys tuition reimbursement was used to pay for classes. 

I have not received anything yet and they continue to call me. I did not receive any benefit from attending the XXXX XXXX XXXX and with the interest added to the debt has made it untouchable with my earning status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize an inquiry by XXXX XXXX on my credit report and Experian shows an inquiry by XXXX XXXX on my personal credit file. Experian refuses to delete or allow me to dispute the inquiry. 

This is a conflict of interest. Experian allowed their client to check my credit. I did not authorize and did not provide anyone with my XXXX. 

I spoke with the following : XXXX Supervisor, Special Services - 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 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name listed under Personal Information on my Equifax credit report is incorrect. I followed Equifax 's guidelines and sent a copy of my correct name documented by a copy of my Driver 's Licence, Social Secuirty Card, Utility bills. I have been unable to get my name corrected. The credit union that add XXXX to the end of my name indicated that they have made corrections. Nothing I have done has corrected the problem with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: FL

Complaint narrative:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16 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: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXXl located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about early XX/XX/XXXX, I received a notification through XXXX XXXX that one of my credit cards had been closed. When I called Citi, they told me that it had been closed due to inactivity. Usually I would receive a letter indicating the credit card will be closed if I did n't use it. They refused to reopen the account unless they did a hard pull on my credit report. As you know, this affects the consumer 's credit score. They can easily do a soft pull and see the same information as they would with the hard pull, not to mention that my account with them has been opened for 17 years, since XX/XX/XXXX and always kept it in good standing. Hard pulls affect my credit score, they acknowledged that they could do a soft pull but refused to do that. They said that I had acknowledged that my account will be closed if it was not used in over 25 months when I acknowledged the terms and conditions I have requested the terms and conditions that I acknowledged at least two times and I 'm yet to received them. 
I feel this is unfair because it affects the consumer 's credit score and they should give notice about closing accounts.

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 2018-01-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Hello! I have had a VA mortgage with XXXX XXXX for the past several years. I had absolutely no problem with their customer service and was always on time with my payments. XXXX sent a letter in XXXX letting me know that my loan would be transferred to LoanCare as of XXXX. I work in the XXXX industry so understand this is a normal practice. 
In late XX/XX/XXXX I prepaid my XXXX property and school taxes to my county ( ~ {$7500.00} ) and called XXXX mortgage to let them know not to make the XX/XX/XXXX payment and to inquire if I could decline an escrow account going forward since I have had my loan for more than 12 months, have made timely payments, and am ~55 % LTV . The agent explained that I can decline escrow however LoanCare would begin servicing my loan on XX/XX/XXXX so it was best to wait until then to take action. 
This began a 2 week odyssey of trying to get information from LoanCare on my mortgage loan. I called XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the computer service either gave me an odd busy signal or hung up on me while I waited on hold. I called again on XX/XX/XXXX and after waiting on hold for 15 minutes for a customer service agent, was told that LoanCare had not processed my loan into the system yet and it could take a few weeks. When I asked if I could be moved up the priority list because of my escrow questions/information i was told there is no way to do that and to call back a week later and it would probably be in the system. In the meanwhile I have been going on the website with my loan # and social security # to see if my loan is entered and everytime i try I get the error message " no records found. '' I called again today ( 1 week later ) twice and both times, after sitting on hold for 10 minutes, the computer system voice told me to enter my phone number and someone would call me back. 
This is the worst customer service I have ever experienced. There are several issues here : 1 ) I have not made a mortgage payment yet for XXXX and am not going to send the $ until I know that they have possession of my loan in the system and accurate records. 
2 ) I do not want them to make a payment on my property/school taxes due on XXXX because i have already paid. If they make the payment it 's a financial loss to me and a lot of time on my end to try to have my county refund the payment. 
3 ) I have been waiting for weeks to have my escrow account turned off, the money in the account returned, and my new payment calculated. This is $ $ $ that LoanCare is earning interest on and I am not. 
4 ) I have a right to my full loan information and 2 weeks have gone by where I can not access it.

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 2018-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CIT BANK, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I have sent three emails to CIT Bank asking about the {$100.00} bonus I was promised when I opened this account. I was told I would receive this bonus if I kept an average daily balance of $ XXXX in this account for the first three calendar months AFTER I opened this account. I was also told I would receive this bonus within 45 days of the third month. So I should have received this bonus by now. I opened this savings account in late XXXX of 2017. I did in fact keep this balance through the months of XXXX, XXXX and XXXX. I have not received replies to my two most recent emails concerning this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kashia Services
State: NJ

Complaint narrative:
I am unable to pay back payday loan due to unfornate accident would like withdrawal from checking to stop in fact interest amount is ursury and illegal in my state and compensate see attached documentation for more details

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NV

Complaint narrative:
There is a collection account filed with CBE group that was assigned by XXXX XXXX after the account was billed for an increased amount without notification or authorization. I talked to a XXXX XXXX representative in XXXX of XX/XX/XXXXregarding this and she did not acknowledge a payment that they sent me a receipt on, told me they did not have to notify me of a fee increase, refused to allow me to talk to a supervisor and refused to accept a partial month payment for a two week period covering the last week in XX/XX/XXXX and first week of XX/XX/XXXX The receipt i have from XX/XX/XXXX was almost $ 50 month higher than XX/XX/XXXX and there was no notification of the increase. It should be noted that I had called XXXX XXXX in XXXX of XX/XX/XXXXto cancel my account because of a similar rate increase and they reduced my monthly rate telling me that they would provide me notification if any rate increase was anticipated. It is important to note that I did not have a contract with XXXX XXXX with any time limitation and was on a month to month service verbal agreement with them. The address for CBE group is shown to be : XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: FL

Complaint narrative:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.

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 2018-01-16 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: FL

Complaint narrative:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have 12 student loans from XXXX XXXX account and one from navient that keep appearing and that i am no longer liable for on my credit report Open dates for XXXX XXXX XX/XX/XXXX ( 13 yrs, 11 mos ) XX/XX/XXXX ( 13 yrs, 2 mos ) XX/XX/XXXX ( 12 yrs, 1 mo ) XX/XX/XXXX ( 12 yrs, 5 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 7 yrs, 4 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 7 yrs, 4 mos ) XX/XX/XXXX ( 6 yrs, 8 mos ) XX/XX/XXXX ( 6 yrs ) XX/XX/XXXX ( 6 yrs ) XX/XX/XXXX ( 5 yrs, 4 mos ) Open dates for navient XX/XX/XXXX ( 11 yrs, 2 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I have a account Im collections on my credit profile showing ( Capio Parnters and XXXX XXXX XXXX ) not liable for and also keep getting phone calls from but I dont answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have ben trying to dispute a bankruptcy that is on my credit report for over a year with TransUnion. I have sent in letter after letter, and also verification that this bankruptcy does not belong to me. The only reason they keep verifying it is because they are calling an automated system getting information. I called today an spoke with XXXX on XXXX/2018, and at first she said they verified electronically, then when I informed her that I contacted the court and they informed that that they do no communicate with any credit agencies or third party credit agencies, then she comes back to the line and tell me she called a number and verified it on the phone just then. my question to her was how do you know that he information was correct when you did n't actually speak to a live person, and you did n't physically receive any paperwork verifying this information. She told me well that was all they needed they did n't need to speak to anyone or need any paperwork to verify it. I find this practice odd because most public records are verified through XXXX or XXXX. I just want it verified the correct way or have them remove it from my credit report. I have sent information to them verifying that the BK is not mines and can not be verified.

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 2018-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I sent a request for debt validation by certified mail on XX/XX/17 and requested, to AMCOL Systems Inc. 1. Agreement with your client that authorizes you to collect on this alleged debt. 
2. Agreement that bears signature of the alleged debtor wherein he promises to pay creditor. 
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
The company failed to respond to my debt validation request, therefore essentially admitting that the debt in question is inaccurate. Per Texas Finance Code 392.202 ( b ) ( 2 ) this requirement states that the trade line must be deleted from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: TX

Complaint narrative:
I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXX located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit 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 2018-01-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXX located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Tribal Lending Enterprise, Inc.
State: NJ

Complaint narrative:
I am unable to pay back payday loan due to unfornate accident would like withdrawal from checking to stop in fact interest amount is ursury and illegal in my state and compensate see attached documentation for more details

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: UT

Complaint narrative:
Signed up for a checking account under a promotion to receive a {$200.00} within 60 days after having a direct deposit of at least {$300.00} post to the account. I met the terms of the promotion, but the bank has not given me the {$200.00} within the timeframe specified in the terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax and XXXX show 2 items on my Credit Report that should have fallen off 7 years after the first delinquency ( ie right now ). They have not, and I have submited disputes, however Equifax will not allow me to view the progress of the dispute online. The 2 delinquent errors are not consistent across reports, and XXXX actually removed both of them already! This is confusing to creditors, say when I go to refinance my student loans, that they see different reports across all 3 bureaus, XXXX showing me in perfect credit, XXXX, showing me an issue or two, and Equifax showing me with two delinquencies. I have a credit rating of XXXX, but these items hold me back. I work hard to keep a good credit score, just look at my past 7 YEARS of activity. This is not fair to hold on to items, inconsistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I have a account Im collections on my credit profile showing ( XXXX XXXX and Penn Credit Corp ) not liable for and also keep getting phone calls from but I dont answer.

Company response to consumer: Closed with explanation