vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft and I have a collection account and credit inquiry listed on my Equifax credit report that 's fraudulent and unauthorized, and do n't belong to me. The following debt collection account and credit inquiry do n't belong to me : XXXX/17, XXXX./XXXX {$1200.00} and XXXX/17, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
I have had an account with a company called XXXX for over a year. I had a down turn and they offered a payment agreement to help me keep my account current. I recently checked my credit files and noticed a company called XXXX claiming to be collecting for them in the amount of {$1600.00} ( I only owe {$500.00} ). I immediately contacted the original company and they had never heard of them when I let the credit bureaus know and disputed XXXX immediately responded by removing their account, however, they re-submitted it under another name, Security Credit Services. I spoke with the original company again, and they explained it is fraudulent as other customers have contacted them about the same thing. I have disputed it again with the credit bureaus, but it still remains on my credit reports. This is fraud, as they have not purchased or gotten my account from the original company, who is still taking payments directly from me per an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is presented as a collection company, but is in fact the primary billing agency for XXXX. After having 'XXXX ' and being billed, I tried to find ( going from department to department ) a way to pay the hospital directly and was told to contact XXXX . I paid monthly installments for this medical bill until it was paid in full and they stopped sending invoices, only to find out that they backdoored my perfect credit standing. This was for sudden XXXX. My excellent ( check the history ) credit status should be restored immediately.

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 2017-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
After my first 2 years of paying for my loan, I went to make a payment and it doubled. When I called to find out what happened, I was told I 've been making interest only payments and that timeframe just expired. I was very unhappy to hear this because not only did I expire all the interest only options preventing me from using this in a future time of hardship, but it set a very unfair expectation on my budget that I then had to stress to Remanage suddenly. Oh, not to mention, this expectation was either set poorly or not at all from the beginning. In the desired resolution section, I elaborate on their forbarence process and how that works and some very concerning parts of that process where I feel this company takes advantage of its loan borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
XXXX and XXXX are both reporting a balance totaling {$2100.00} despite being the SAME company, this is not ethical reporting. XXXX is reporting on behalf of XXXX in the amount of {$1000.00} while XXXX hired a second organization reporting the same dollar amount. In addition, the items in the employment contract were NOT provided however, 5 years after by 6 week employment, XXXX reported an outstanding balance to 2 separate collection companies. These items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have very directly requested an investigation to determine if I am a victim of Identity Theft or bank fraud. After not receiving proper verification as is required by Experian under Section 609 of the FCRA Experian is now in direct violation of the law. Federal law very clearly states that Experian is to provide " physical inspection of documentation '' when requested by consumer. Experian has not done this and must delete XXXX XXXX from my report as it clearly is not mine and unverifiable upon request.

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 2017-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I borrowed these loans while I attended my University back in XX/XX/XXXX-XX/XX/XXXX. I had an original balance of about XXXX after graduating. But somehow through so rough patches in life and work, somehow the student loans have gone up to XXXX. I have been making current payments for almost over a year now and it seems to not be decreasing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Have faxed information several times to Equifax dept of consumer affairs and they keep stating that they have not received my forms for ssn and utility bill but have received my disputes. this initial began on XX/XX/XXXX/17 and I was told I could not get a copy of my credit report until they received this information. Well I received a copy of my credit report. They are stating information is missing from the SSA 85 form which is their address. I corrected the information and faxed it over the last 2 weeks and they receive the other pages in the fax but not these forms. I believe someone is taking the forms out. I just want to take the fraud alert off and have my inquires and disputes taken off my credit report and they are n't allowing me to do this. if I mail the form I believe they are going to state they have n't received that as well please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC.
State: CA

Complaint narrative:
I am a XXXX veteran who contracted XXXX while in Florida. VA card was presented at time of XXXX visit. This bill should have been sent to the Veterans Administration for payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Sterling Infosystems Inc.
State: IN

Complaint narrative:
Consumer reporting agency reported negative information that is more than seven years old. Which is against my rights under the FCRA.

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 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2017 I escalated my complaint to wells Fargo corporate to inform them the claims department was refusing to investigate my claims the rep I spoke to before XXXX stated the claims department do not have to investigate my fraudulent transactions ( in other words ) and begame putting words in my mouth that was not what i said like she was conspiring to my fraudulent transactions or it was her her self which had a part in these fraudulent transactions on my account

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 2017-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I worked as a manager for a cell phone store. The cell phone store issued me an american express card to purchase items for the store. The LLC should be responsible for the debt, not an employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XX/XX/XXXX charge credit card {$1700.00} call credit company explain just found now ex-room mate made charge while out town without my permission they told me call company charge made to XXXX online charge call them lady said talk to her boss see refund charges back to me XXXX refund me {$1400.00} call td bank credit card company when got statement told them that did not refund whole amount so they XXXX all XXXX of us talking on phone charge {$250.00} for shipping well online store have free shipping lady said be too much lost of amount told lady was not aware of charges file police report this not right merchandise that was order never came to my residential such big item exercise equipment that item had set up day/time for XXXX to delivery never delivery send back to XXXX lady from company said call me back 3 days she never call me back again wait 5 days call TD credit card saying never call me back file dispute against have copy police report with case number sign paper work should get 10 working days NEVER received paper work again call TD bank told never got paper work that this time send paper again attack copy police report fill paper will be case number i been dealing with TD BANK from XX/XX/XXXX-XX/XX/XXXX they are not good credit card company this disputes was handle very poorly NOW final got letter saying case is close more than 60DAYS this going on and on since XX/XX/XXXX-XX/XX/XXXX how can this dispute be close on top this letter sent me was wrong amount that was dispute letter amount {$1700.00} that should be {$250.00} and still make payments on dispute charge of {$250.00} that all own them anyway not going use this card until remove and credit money own me if professional when call about this amount in XXXX should been removed from my bill when ask dispute lady dispute amount appear statement she told me it up to me if send in monthly payments of dispute amount good thing did because they did not know what they are doing my credit will be ruin messing with TD BANK dispute amount should been remove until been resolve lastly call TD BANK ON FRIDAY XX/XX/XXXX ask them what can be done they suggest calling XXXX again put me on hold lady could not find there telephone number than want me write letter to TD BANK to reopen my case XXXX since too longer than 60days explain that was not my fault this case start in XX/XX/XXXX -XX/XX/XXXX something should been done and finish i was in right time frame when file dispute not my fault that TD BANK dispute department fell there commitment handle within 60 days item was charge on credit card without my permission on XX/XX/XXXX for {$1700.00} the credit back {$1400.00} not shipping charges like said was not ship to my home merchandise at XXXX location waiting for day/time be delivery never delivery still paying on this dispute from XX/XX/XXXX UNTIL NOW THIS IS XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I received a letter from from XXXX regarding a debt I owe. I responded back informing them to validate the debt and provide the following : provide a license authorizing them to collect the debt and Proof of unbroken chain of title from ( XXXX ) to ( CCS XXXX ) authorizing ( CCS XXXX ) to collect alleged debt. 

If debt was purchased from ( XXXX ) by ( CCS XXXX ) provide proof of purchase and the amount that was paid. 

I have yet to receive the requested information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
I am not sure where this account originated from. I have sent numerous letters asking that this account be validated or some sort of documentation bearing my signature be provided to me as it is my right. All of my efforts have been ignored. I would like to be provided with proof this account really exists and belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Macy 's American Express card. On XX/XX/2017, I had a balance of {$4.00}. I am enrolled in autopay. The {$4.00} was paid in full on XX/XX/2017. On XX/XX/2017, I was charged a {$2.00} finance charge, after my account was paid in full/I had a XXXX balance. I contacted the credit card & they told me I was charged the fee because I carried over a balance the month before. Therefore, I would have continued to have a {$2.00} balance every month because I would constantly be carrying a balance.

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 monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXX, I received in the U.S. mail my " FREE '' annual credit report from " XXXX '' credit bureau. However, on " Page XXXX of XXXX, '' under the " Account Review Inquires '' it unlawfully notes that a Debt Collection agency called " Diversified Consultants '' unlawfully accessed my " XXXX credit file and then posted a false " Collection '' notation on to it dated " XX/XX/XXXX. '' This " Diversified Consultants '' company intentionally violated my " Due Process Rights '' per the ( Federal ) Fair Credit Reporting Act because I was NEVER contacted in any way by this Debt Collection agency. Furthermore, it does NOT even state the alleged " Amount '' of Debt that it 's trying to collect NOR does it state " What '' type of Debt it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Debt was paid in full XX/XX/XXXX. ( I have receipt and canceled checks ) Was called and ask to pay XX/XX/XXXX I explained the debt was paid. Told debt is cleared. Contacted again XX/XX/XXXX, explained debt was cleared. I was told is was a mistake after I explained and I would not be contacted again. But 2 times after pay off debt???? Something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp
State: RI

Complaint narrative:
Back in XX/XX/2016 I was doing so research on student loan forgiveness. After a couple of calls and XXXX searches I was contacted by Equitable Acceptance Cooperation. I was told the Obama had passed this law and the student loans that I was paying back were not supposed to be that high. I was told that this company would get my student loans consolidated and it would be better for my credit and lower my monthly bill. This sounded great to me. This company told me that I would have to pay a fee for the service that would be broken up into monthly payments and then I would also have a new student loan payment plan. I unfortunately agreed to this as I thought it was a legit. After a few months I have been paying both my fee to Equitable Acceptance Cooperation and to XXXX. I contacted XXXX with some questions and they advised me that this was a scam and to report it to the Federal Trade Commission. Equitable Acceptance has put a hard inquiry against my credit and debt on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level of fraud by putting this on my credit before contacting me as I have been at the address for years. 

Very shady practice to do that.

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 2017-04-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for the Delta Gold Skymiles Card from American Express on XXXX XXXX, XXXX. I signed up for an offer of XXXX bonus Skymiles after spending {$1000.00} on the card within 3 months of account opening. I fulfilled this spend requirement shortly after, and American Express themselves initially confirmed on XXXX XXXX, XXXX that I met the spend requirement for the XXXX Skymiles bonus ( thus verifying the bonus was attached to the account ). After this, I made a phone call to American Express customer service to follow up on when the Skymiles would post to my account, and a representative told me verbally that if I did n't see the Skymiles in my account by XXXX XXXX, I should call back. Shortly after XXXX XXXX had passed, I called back to American Express and they told me that I was ineligible for the bonus and would n't receive it, regardless of what multiple representatives had previously confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I was sent emails stating that they would assist me with an income-driven repayment plan. Not only was I deceived in their intent to assist me but after numerous delays in processing by Navient to start the deductions, they notified the credit reporting agencies that I was late in my payments and now I have lost XXXX points on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
ON XX/XX/2017, my online password, PIN number and security question answers were changed and an unauthorized debit was made on my AMEX Serve account for {$410.00}. They told me it would be resolved in 7-10 business days. It was n't. Then they said it should be resolved in 30-45 calendar days to give them time complete the investigation. They said I will be contacted by phone or email if I was needed or once they resolved the matter. I have called more than 10 times on my own because their has been no resolution or contact on their part. Even though I changed all the info with their help, it happened again on XX/XX/2017. The info was changed again and another debit was made for {$100.00}. I placed another dispute with them and they said it would be placed with the initial dispute and escalated to be resolved and someone will contact me within 24-48 hours. No one did. The 45 days was up on XX/XX/2017. I called once again and they said they are still working on it but they have no info to update me with, I just have to wait and no supervisor can assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against Experian, XXXX and XXXX because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " Nebraska '' in XXXX/XXXX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XX/XX/XXXX to XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XX/XX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX XX/XX/XXXX and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,

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