vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-16 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have two inquires from XXXX XXXX XXXX ( Inquiry : XX/XX/XXXX ) and XXXX ( inquiry : XX/XX/XXXX) I am not liable for and its showing up on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Between XX/XX/XXXXandXX/XX/XXXX I.C System inc placed a collection on my account originating from XXXX XXXX XXXX that is said to be opened XXXX of XXXX. This information is inaccurate and the debt for {$770.00} is not owed to me. I have already disputed this collection from XXXX XXXX on my XXXX acct and had it removed showing as credence resource management in XXXX of XXXX. It seems as though my information is being sold and sold again. I have already stated the information is inaccurate, not validated and is not owed to me when speaking with them on numerous calls a day even weekends. I am asking this account be removed not only because it is inaccurate and not owed to me but I am in the process of buying my first place as I am a single mother of XXXX living in a house of XXXX. I had my credit in line with no phone bills as required and they slap this account that I am unaware of onto my credit hindering me from moving forward with this process. I am pleading for a resolution to my problem with this company. I take two steps forward and they hit me with something else. Although the accounts are unfamiliar to me it is still an Excruciating process to have your name and credit cleared of false information.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NJ

Complaint narrative:
Account is fraudulent

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XX/XX/XXXX. The state of Kansas Department of Labor placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XX/XX/XXXX or XX/XX/XXXX these  are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus XXXX, XXXX, and Transunion do not want to remove them. The state tax lien is only showing on my Transunion report. Both items are stopping me to be able to establish positive credit please help and get them removed

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XX/XX/XXXX. The state of Kansas Department of Labor placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XX/XX/XXXXor XX/XX/XXXX these are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus Equifax, XXXX, and XXXX do not want to remove them. The state tax lien is only showing on my XXXX report. Both items are stopping me to be able to establish positive credit please help and get them removed

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a XXXX XXXX XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX .... XXXX/XXXX/XXXX XXXX XXXX XXXX .... XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a XXXX XXXX  XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

XXXX XXXX XXXX ... .XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XXXX .... XX/XX/XXXX XXXX XXXX XXXX .... XX/XX/XXXX=XX/XX/XXXX= XXXX XXXX .... XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX= XX/XX/XXXX/= XX/XX/XXXX= XX/XX/XXXX= 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 2018-01-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: OK

Complaint narrative:
I was trying to get a home and was told that i had to pay that off or show that there was a payment plan provided so i call Hunter Warfield to talk about the account and they said they could do the payment plan but they will not send me a copy of the agreement and i have have talked to other debt collectors and they said it was by law that they have to give a copy of that and i can not get them to give me a copy im not wanting a paper saying its paid in full just a copy on the laid out payments are going to be they can be reached at XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I keep getting calls from Navient for a person I do n't know in reference to another person I do n't know. Three times at least I have returned the calls and told them they have the wrong number, that I 've had this phone number for almost ten years, and each time they promise to remove it from the account, but they do n't. I 've tried XXXX the name they ask for, but the only one I can find in the area XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
The property associated with this Ditech loan was sold on XXXX XXXX, XXXX. The attorneys who closed on this loan asked for a payoff figure which was provided by Ditech onXX/XX/XXXX. The payoff amount was {$150000.00} and was good through XX/XX/XXXX. 
At closing on XXXX that amount was deducted from my proceeds and was wired to Ditech the same day. 
Even though Ditech knew the loan was closing they funded a flood insurance policy on this property which is a condo and is covered by the HOA flood policy. The charge for this policy, on the contents ONLY of a two bedroom - two bath condo that was closing for {$170000.00}, was {$4500.00}. That policy was never provided but a policy that they later charged me for was charged at {$110.00}. Their claim is that because the {$4500.00} was taken from my escrow account on XX/XX/XXXX it made the payoff amount received too little to close the account. 
They decided to keep charging me for escrow payments on this condo that I do not own and have even paid the County taxes for two years and have charged those to me even though the County has returned at least one of these payments which they have not credited back to the escrow account they are still using for the condo I no longer own! 
The attorney that represented me at closing has tried to correct this, I have tried to correct this but they continue to charge expenses for this condo that I do not own and make harassing phone calls and will not close this account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I was in need of car good running car .I went XXXX XXXX to buy a car it was a XXXX XXXX it had very low mileage. I drove the car about a month. the engine light .i contact the dealership .they told me to bring it to be checked was.I did was told the cowl was out and it would be replaced. I pick the car up from the dealership .drove it for a day the engine came on again this time I called Santander to inform them of what was going on with the car.I still made my payments on time of {$440.00} per mo .Even those the was sitting in my parking stall.this went on about two.expain to Santander.I can no longer make payments on a car that is not running. and pay for a rental car.I needed to retune the .so i parked it on the street.I they never told me they picking up the car .I recived papers in the mail the car had been repo .then the call stared every win am going to the balance .i ow {$12000.00} this repo I can not get another car loan because of this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
XX/XX/XXXX Modification granted ( All taxes and monies calculated ) XX/XX/XXXX- Caliber messed up escrow analaysis overcharged for payment XX/XX/XXXX- Escrow department issued a surplus credit ( {$370.00} ) XX/XX/XXXX- Escrow department states the account has a XXXX Called rep for Caliber on XX/XX/XXXX and asked why {$660.00} added to my XXXX payment and they stated in XXXX XXXX, they did an escrow analysis and I was short. So in XXXX I need to pay this mystery shortage. I asked for a supervisor because the associate was at this point not very helpful and I was told the supervisor was not available. I emailed a request for an explanation. The bank is unable to show me where this mysterious shortage came from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: WV

Complaint narrative:
I 've attempted to dispute this unknown collection with credit bureaus. The collector verified this debt. This debt collection is unknown.

Company response to consumer: Closed with non-monetary relief
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: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
I have informed the Credit Reporting Agencies on XX/XX/XXXX of the inaccuracies and have asked them to have the Collection companies remove them from my report. I explained how I had medical insurance at the time and the insurance company paid 90 % of the bills. However, they refused to pay these smaller bills claiming I had secondary insurance ( which was inaccurate ) Now, I still have not heard back from XXXX regarding my request. 

Plus, my other complaint is by filing a complaint/request with XXXX they have lowered my score by over 20 points. I do not understand ... 

XXXX XXXX XXXX XXXX ( Collections ) XX/XX/XXXX - {$1100.00} XX/XX/XXXX -  {$1000.00}

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 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I reported and disputed charges on my XXXX XXXX XXXX Credit Card XXXX XXXX in XXXX XXXX for additional charges placed on my credit card for items I did not order or receive. I only ordered four {$45.00} items but was only sent and received two {$45.00} items ( A total of {$90.00} XXXX. for those two {$45.00} items. The remaining chargeson my credit card are bogus. I filed a dispute and submitted supporting documentation to XXXX XXXX whom failed to resolve this issue. Instead XXXX reversed the charges of {$850.00} back to me for me to pay for merchandise I never received.The company in question is called XXXX XXXX XXXX whom falsely advertises and represents themselves as XXXX XXXX XXXX.. I now know this is not a XXXX store but rather a fradulent company operating out of XXXX. Their website is XXXX XXXX ordered I placed on XXXX was for tour items at {$45.00} each. Four items were ordered but only two itits were sent and received. The Merchant individually sent the two items with seperate packaging and seperate tracking numbers each package weighed 1 pound. When I addressed this issue with the Merchant requesting my two remaining items the Merchant simply replied that no other items will be sent and no credits will be placed on my credit card. I reported and sent this correspondence to XXXX XXXX to help assist with their investigation. XXXX have failed in their lending practices and is upholding a fradulent company. I now have a fradulent credit card charge and bill for {$850.00}. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC
State: DE

Complaint narrative:
I took out a loan, for high interest Prior to making my first payment I secured a loan to pay off loan me at a lower interest rate. The second loan company issued a check to loan me to pay off the loan. The check was overnighted however by the time loan me received it more interest had accrued. I had auto payment set up with them so they took XXXX out of my bank account on the original due date. I called them and was told that they could n't apply the check to the account because it referenced it was a payoff and because another day or two of interest had accrued they had to take the XXXX payment out of my bank account. I understand they would need to charge my account for the difference due to the accrued interest but I feel for them to take out XXXX when i did n't owe that much is bad business practice. They received the check on XXXX XXXX my first payment was due XXXX XXXX. They had plenty of time to apply the payment without debiting my checking account. This overdrew my account and I was charged fees by my bank. I called them again and they said they would apply the check to my loan AFTER the XXXX came out and would send me the difference of the overpayment, that 's great but in the meantime my bank account is overdrawn and other payments I made are being returned nsf

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I called to get my account to stop blocking logins for XXXX and was told it would be noted and I 've waited and my account continues to be blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NJ

Complaint narrative:
account is a result of fraud

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: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase freedom credit card charge everey month a purchase fee whather you use or not the credit car a monthly purchase interest fee of {$21.00}. A total of {$250.00} that is insane my payment is XXXX wich {$21.00} goes tours the purchase interest fee. Only {$15.00} goes tours the monthly payment at this rate I will never finished the debt. I have 2 jobs is very hard to keep up with monthly payments but this is outrages. Chase Freedom credit card

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: AES/PHEAA
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I am undergoing a shortsale for the sale of my home with my mortgage holder ( Bank ) and have a negotiator working on my behalf to get a settlement. The Bank offer me a {$30000.00} promissory note settlement and I countered with {$10000.00} no interest. They then countered for {$10000.00} with 6.625 % interest and I accepted, and now the Bank is refusing to accept this arrangement and threatened that if I dont accept {$15000.00} promissory note that they will foreclose on my home. How are they able to change their last offer ( which I accepted ) and try to back me into a corner? I have their offer in writing. Please help ...

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX/XXXX/XXXX -- I receive an email telling me there 's a change in one of my lines of credit. I clicked on the linked provided, where it takes me to a page asking if you want to view single report, or a 3 bureau report. I clicked on 3 bureau, and it goes through the process of generating the report. It never notifies you of a charge. I 've never paid for a 3 bureau report before, and never had to. XXXX/XXXX/XXXX I see a charge of {$39.00} on the card on file. There use to be a step in viewing reports where they would notify you of a charge, but they have completely removed that step.Every few months I 've been able to get a 3 bureau report for not charge, so I did n't think anything of it while requesting. 

Their tactics are now fraudulent. 

I call in to the XXXX number for assistance in cancelling, and they walk you through a menu, you then get to one that says, " to cancel, log in to your Experian account, where cancelling is easy '' ( paraphrasing ). 

I log into my account, and under, " how to cancel '' section, it says to call a different number, XXXX, which takes me back to the same XXXX call tree. This time I select 'Billing ', and then it says, " your estimated call time is more than one hour ''. 

After doing some online searching, I find that this is the normal course of action. Nobody can cancel their subscription, and the banks wo n't block the charge. 

This may lead to a class action lawsuit for their fraudulent activities. I 'm only looking for a credit for the report, and to cancel my monthly subscription. If the CFPB can put a stop to their fraudulent behavior, that would be a beneficial outcome.

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