vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Creditrepair.com, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I signed up with creditrepair.com to repair my credit. On XX/XX/XXXX, I cancelled the service, but 2 days later, was charged a further {$99.00} despite my cancellation. 

The reason I cancelled the service was because I was not being made aware of any work actually being done, despite numerous requests. In total I paid {$300.00}. After cancelling I have repeatedly asked creditrepair.com in writing and over the phone, for a list of items they removed from my account but they have refused to provide it. I have requested a copy of my file and they have refused to provide that too. 

What they have offered to provide is a copy of my old report and current report - with the insinuation that the difference is down to them - however that would be inaccurate as I have since hired a different credit repair agency who may have made any said changes. 

I believe Creditrepair.com charged me {$300.00} and did not make any deletions to my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MN

Complaint narrative:
On XX/X/2017 at XXXX CST I received a call from XXXX by someone identifying themselves as " XXXX XXXX '' from " Diversified Consultants ''. He stated that I owed ~ {$450.00} for a delinquent XXXX XXXX bill. I immediately hung up, as I am on auto-pay with my XXXX account and checked while on the call that my balance was {$0.00}. I hung up to call XXXX to validate that they initiated the collection activity, which they denied and stated my account has never been in arrears. 
I called XXXX back and talked to them again. While attempting to verify the account they gave an address that I have never lived at. Apparently they were calling all the " XXXX XXXX '' s in Minnesota trying to find the right one. Either this is fraudulent activity or a highly suspect methodology for attempting to collect a debt. 
I would appreciate the company in question being warned against blanket calling like this. If I receive another call from them I will take legal action, as I 'm sure they are attempting to add someone else 's delinquent bill to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
A {$50.00} charge on XXXX/XXXX/2017 was made on my Citibank credit card that I did not make. I filled a dispute with Citibank. After Citibank " investigated, '' Citibank closed their investigation and charged me again. 

The documentation provided to Citibank from the merchant clearly shows a person with a different name made the purchase and mailed the item to a state 500 miles from my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My complaint is on Experian. My husband and I have been working on our credit for awhile now. We have spoken with credit experts and have been doing all of the things we can to help our score go up. We are trying to buy a house we have been since before the housing bubble popped. Our credit took a nose dive after 2009. But we 've been working on it, like I said. My husband 's score has been going Slowly up for months now. Mine have also Except for Experian 's. I called and spoke to Experian for 3 HOURS trying to find out what I could do to raise my score even ONE point. They explained to me that they do n't have any type of record in what my score has been. That the only way they could help me is to buy their membership. I did and they still would n't tell me things like what can be done to help my score. They would n't tell me or send me information on the formulae to which is used to come to my score. 
Now I used more than 30 % this past month for XXXX and I 'm still paying everything, yet Experian sent me an email stating my score had DROPPED 29 point, ..29 POINTS?!?! When I worked for months monitoring and paying and keeping low balances and my score did n't move a SINGLE point! 
FICO is supposed to be a part of the FAIR Credit Act are they not?! How is it FAIR credit scoring when there is NOTHING I could do to make my score jump UP 29 points in a single month but it 's completely possible to jump DOWN 29 points in a single month ... and Did?? 
That is NOT Fair Credit Scoring! 
As Americans we trust that our governtment, especially when they are supposedly monitoring for fairness, that they ensure that Fairness! 
My husband and I are good people. We do n't mind playing by the rules. We are hardworking American citizens and we deserve to just be treated fairly to the rules we follow, ourselves. 
I am sending a copy of this to my state representative, as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This continues to be an " ongoing '' complaint I have submitted against TransUnion concerning my XXXX XXXX acct. TransUnion continues to show me as having a high balance around XXXX but it was due to the reduced overall credit limit by the company that was the holder XXXX XXXX XXXX XXXX ) I called the bank and they were unable to correct because they sold the account. I contacted XXXX XXXX to update and report that my high balance was actually XXXX with a XXXX dollar balance. TransUnion also did not correct my payment XXXX I do not pay XXXX but always XXXX dollar payments per month. I currently now have a XXXX XXXX XXXX that should not be for I have not requested credit and I paid off two major accounts totaling close to XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: KY

Complaint narrative:
There are many inquiries on my credit report that I did not authorize, XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX has multiple inquiries from XX/XX/XXXX-XX/XX/XXXX This inquiries were never authorized by me and I would like 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 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was recently made aware of a derogatory account on my credit report from a XX/XX/XXXX bill with XXXX XXXX owed by my ex-wife. I sent XXXX XXXX supporting documentation that I had not lived at the service address since XX/XX/XXXX and that I had never received a bill for the amount in question. I also filed disputes with both XXXX and Transunion to no avail. I contacted XXXX directly and did pay the amount due. XXXX refused to remove the item from my credit report. My unblemished credit report went down by XXXX points due to a debt that I was not aware of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: GA

Complaint narrative:
The number ( XXXX ) XXXX and other variations of this number have been calling my mobile phone and my job for several months now. They would call my work number first, and then hang up without saying anything. Then a few minutes later, the same number would call my mobile number. I have blocked several numbers with the XXXX area code from my mobile because I know this company continuing to call me from different variations of their business numbers. Today, someone called my work number and wanted to verify my date of birth and did n't even tell me the name of the company. I asked what was this dealing with, and was told that it something to do with " my business ''. I ended the call because I was not going give my personal information. I then called the number back and the name of the company is FIDELIS RECOVERY MANAGEMENT. I stayed on the line to see why they were calling me. The woman on the line stated that she was a Manager, and that she needed to verify my employment and date of birth. I told her that I do n't give out my personal information. She stated that the company she was representing was XXXX, and that I had an account with them in 2014 and was making payments on the account. I told her that I do n't recall an account with XXXX, but that I had some fraud issues going on with a family member. She stated that if it was fraud or identity theft, the perpetrator would " hit and move ''. I again told her that my issues was with a family member, and that I did n't have an account with XXXX. I asked why was n't any letters sent out, and she stated that several letters had been mailed to me. I did n't get any letters. She stated that my information needed to be verified, so the company ( XXXX ) she represents will continue to decide on what actions needed to be taken on the account. I told her that I was n't going to verify any of my personal information, and I ended the call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: FL

Complaint narrative:
I have been trying to arrange an income based repayment plan with Navient since XXXX 2017 and I 've tried to follow their instructions, submitting my application, proof of income, self certification letter, and other documents explaining my income status, each time completing the submission process and receiving confirmation that everything succeeded only to start receiving emails stating that I have a payment due that is not what was agreed upon and when I contact customer service, in every single case, they tell me that they have never received my application and have no documents from me. 

When I have requested that my situation be escalated to a higher level, I am told that there is no such process for escalating a complaint nor the possibility of any kind of supervisory appeal to assist in resolving whatever is happening. I have been charged late fees which have been added to the principle of the loan as a result of this chaos. When I attempted to simply just start sending in payments, I was informed that the payments I made were simply going to pay for the late fee penalties and would not be considered payments on the student loan, forcing me to cancel the payments. 

I feel like the pattern of operations Navient has been demonstrating is exploiting people who are in positions of financial hardship and designed to confuse, frustrate and pressure borrowers into agreeing to repayment terms that are beyond their ability to pay and a system where penalty fees can be added to the loan principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
There are many inquiries on my credit report that I did not authorize, XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX Chase Bank has multiple inquiries from XXXX XXXX XXXX This inquiries were never authorized by me and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
There are many inquiries on my credit report that I did not authorize, XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX fromXX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX has multiple inquiries from XX/XX/XXXX-XX/XX/XXXXThis inquiries were never authorized by me and I would like 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 2017-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
My mortgage was in payment arrangements through XXXX XXXX XXXX. Carrington mortgage assumed the loan in XX/XX/XXXX and when I contacted them to set up payments they told me my bill was {$26000.00} and I would have to pay that amount in full to then set up payments. I submitted a request for mortgage assistance in XX/XX/XXXX. I received a letter on on XX/XX/XXXX dated XX/XX/XXXX that addition documents were need. I submitted those on XX/XX/XXXX withe a deadline of XX/XX/XXXX. I was on the phone when the documents were sent to verify the arrival of the documents. I call back on XX/XX/XXXX not having heard back from the company and was informed the the case was closed and denied due to paperwork not being received on time. I have the emails and confirmation that everything was received. I was informed today that I need to submit and entire new packet. So I did and was told to call back to verify that it was received, I did but was informed that they will not process the packet at this time but within the next 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, 2017, I sent a payment in the amount of {$70.00} to the Cash App ID $ XXXX, only to find out that it was the incorrect ID. I reached out to XXXX XXXX to reverse the transaction, and I was advised to dispute it through my bank. I then sent the {$70.00} to the correct XXXX XXXX under the correct Cash App ID. When I spoke to Simple support on the phone on XXXX, the representative was understanding and helping, as if he 'd encountered the situation before and he assured me that I would hear from the disputes team some time this week. I sent documentation of the transactions, conversations that I had with XXXX XXXX via email, and a screenshot of both the correct and incorrect payments. 2 weeks later, I received a message that they can not /will not help resolve the dispute and that I needed to reach out to the merchant. Again, I contacted XXXX XXXX and they once again stated that they will work with Simple to resolve the issue. I reached back out to simple and today, the only message I received from the disputes team is that they have closed my dispute because they ca n't find " an appropriate resolution ''. The disputes team did not contact me for more information, or clarification on the matter, they just closed out my dispute with no help. I 've sent multiple requests to the Cash ID that was paid in error for my money to be returned, but have had no such luck. I contacted the BBB, signed a release form, and Simple would n't even work with them to help me resolve this issue. I am currently {$70.00} in the hole due to a mistake, I have provided everything I can to Simple to prove that this was done in error, and I have not received assistance from my bank in resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent several debt validation letters to Transunion over the past 6 months and they do not do any proper investigation or fulfill any of my requests for investigation. I told them about my address being in correct, I sent in proof of my utility bill with driver 's license and ss card, they sent me a stall letter. I asked for XXXX account on my credit to be removed because it could not be validated by company. They still have not completed it. I have a discharged bankruptcy that is not reporting on XXXX or XXXX so why is it showing on Transunion? I have told them this and they have yet to budge on any of my requests and it has been well over 30 days each time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX my spouse went to withdraw money from our checking account at Chase. Upon doing so, it was discovered that most of our money had been depleted from bot our checking and savings account. My spouse immediately went into the bank and notified them that 2 unauthorized transactions had occurred on our account. One was to XXXX XXXX in the amount of XXXX and the other was to XXXX XXXX in the amount of XXXX. The bank was informed that we do not have accounts with either of these companies and did not make payments to either of them. 
On XXXX/XXXX/XXXX, Chase granted us a temporary credit of XXXX while they researched our disputed claim. On XXXX/XXXX/XXXX, I was informed that they had researched our claim and that since the payment was made from our IP address, that they would be reversing the credit. Since I do not have accounts with either of these companies, I asked if they had disputed the charges with them. I was told that I had to dispute the charges myself. I attempted to dispute the charges with both XXXX XXXX and XXXX XXXX, but neither company can assist me without account numbers. Since, I do not have accounts with them, how can I dispute charges with out an account number. I am trying to get this information from Chase, but have not been successful!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
I attended XXXX XXXX XXXX University, located in XXXX, Texas, in the fall of XX/XX/XXXX. After attending the school for a little over 3 weeks, I decided to resign from the university simply because it was n't a good fit for me. I set up a payment plan with the university to pay for my tuition and paid the first installment while I attended the university. About a year later ( XX/XX/XXXX ) a  collection agency calling on behalf of the university says I still owe the university {$2500.00} for the rest of my tuition and the months I did n't attend the university.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I applied for a job onXXXX and a man named XXXX XXXX sent me a check byXXXX XXXX  for {$1900.00} which was {$1600.00} over the amount I was supposed to get. He asked me to forward the rest to XXXX XXXX at Bank of America. I had deposited the check into my BOA checking account XXXX and transferred {$1600.00} to BOA account # XXXX. I thought the bank would not release the funds to me until it had cleared. They would n't release any information about the BOA account I sent the money to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: CITIBANK, N.A.
State: LA

Complaint narrative:
This continues to be an " ongoing '' complaint I have submitted against XXXX concerning my Best Buy acct. XXXX continues to show me as having a high balance around XX/XX/XXXX-XX/XX/XXXX but it was due to the reduced overall credit limit by the company that was the holder ( XXXX XXXX XXXX ) I called the bank and they were unable to correct because they sold the account. I contacted Best buy to update and report that my high balance was actually XXXX with a XXXX dollar balance. XXXX also did not correct my payment hx. I do not pay XXXX but always XXXX dollar payments per month. I currently now have a XXXX credit score that should not be for I have not requested credit and I paid off two major accounts totaling close to XXXX XXXX XXXX and XXXX XXXX XXXX in 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