vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I have reach out to handle the incorrect inquiries on my credit report with Transunion. The company had a credit inquiry reporting situation which has affect my report. The report does n't meet the requirements of the Fair Credit Reporting Act section 611.

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 2017-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: CA

Complaint narrative:
I had a perfect record with a score of XXXX when all the sudden it dropped to a XXXX over night from a delinquency stated XX/XX/XXXX that was not reported until XX/XX/XXXX, this year. I am looking to buy property within the next 2 years in California as I have been a California resident for a long time so this naturally devastates me. The reporting collectors, Paramount Recovery Systems, did not report the delinquency until five years after the date of the medical service. Paramount did not contact me when the 5 year old " delinquency '' showed up on my report either and I found out because I routinely check my XXXX score through XXXX every other month or so. Back when this service was performed, I had settled what I owed to the original Medical company and they did not reach out to me after that point with any further bills or mail at all. This was because we had settled that payment completely. Paramount has since bought that companies debt and is attempting to reap money out of falsified debt reports that they have created five years later. The fact that the original company has not contacted me since the original time span of the services proves that the payment was accepted and settled. It is not right or fair, five years later, for Paramount Recovery Systems to attempt to falsify delinquencies to reap more money. I have disputed the account with credit bureaus, however, I need further help against this matter. The fact that the original XXXX XXXX XXXX has not made an attempt to contact me in 5 years proves that this claim is being falsified by Paramount Recovery Systems. Please let me know if you or anyone in your office can help me fight this. I have disputed the account to credit bureaus and Paramount has somehow come back with falsified documentation for the account that I am attempting to dispute. I am a good citizen with a clean record and otherwise perfect credit score looking to buy property within the next few years and I do n't want my future to be severely hindered by this falsified credit report due to Paramount Recovery Systems. Attached is the copy of my credit report including the falsified account by Paramount Recovery Systems. Please note everything else on my credit history is completely perfect and I have never missed a single payment in my entire life.

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 2017-08-30 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: CASHCALL, INC.
State: CA

Complaint narrative:
Cashcall routinely tries to collect a debt past the 4-year statute of limitations. I receive emails and letters asking me to pay a balance that I am no longer liable for, and when I call them they tell me to pay. Then Cashcall changed the last date of payment to reflect a more recent year to keep the debt on my credit report. I disputed it with the credit bureaus. This loan was taken out in 2010. This is fraudulent and illegal. It is way past the 4-year limit statute to collect allowed under California law.

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 2017-08-30 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: Navient Solutions, LLC.
State: KS

Complaint narrative:
I will like to flile a claim against Navient in the amount of {$59000.00} for a debt of student loans! I would like Navient to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of Navients XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for Navient to reach out XXXX XXXX and XXXX and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
Back in XX/XX/XXXX I applied for Income Drive Repayment. I received an email XX/XX/XXXX letting me know based on my income I would be on a Pay as you Earn Plan and my payments would be totaling XXXX. In XX/XX/XXXX I was hit with a bill for XXXX. When I called they assured me that I did not need to make this payment and their supervisor 's were looking into it but they had no idea why that was happening. They took me off direct debit and told me NOT to make the payment. When it still was not resolved in XX/XX/XXXX I called again. This time I asked to talk to a supervisor. The supervisor I talked to basically told me there were two bills in XX/XX/XXXX one for my PAYE amount of XXXX and another large one that made the total over {$800.00} and because I did n't make the payment of XXXX that it was my fault the issue still had n't been resolved! She told me to keep making the payments of my approved PAYE amount but my account still says I am past due and I owe XXXX. On top of my past due amount my account now says I owe XXXX for the month of XX/XX/XXXX. I have no idea where they are getting this number? It is not what I was approved to pay. I have called several times and each time they tell me something different about my loan total. I just want the issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I applied for the XXXX XXXX Credit Card two weeks ago. On the site it offered a {$200.00} STATEMENT CREDIT after spending {$500.00} in the first three months. I applied for this card and was approved. Upon approval the page loaded and now said that I would receive a {$200.00} XXXX GIFT CARD. Normally, this would not have been much of a big deal to me but because we are going to XXXX in less than a month, the gift card would arrive too late for us to use at the park. Since, the promotion being advertised was NOT what I was being given I decided to call the company and ask them to uphold the offer that I had been promised when applying. I worked with them ( was told I 'd need to meet all requirements BEFORE they could submit anything for me ) and after meeting ALL of the requirements I called back and submitted a request to receive the promised {$200.00} as a statement credit. They sent the issue to their Advertising Dept. where it was rejected. I called back and this time asked to speak with a supervisor. This supervisor was VERY HELPFUL, he went to the site that I had applied for the card from, saw that I had in fact been offered a different promotion and told me that he would push it through and make sure that they " did what they had promised. '' I felt assured that all would be resolved and waited. Then today I received another written notice that my request had been denied. I called and was informed by a supervisor that there was no other option for me to resolve this, that there was no one with more authority that I could speak with and no way for me to speak with someone in the department that rejected my claim. He told me there was nothing else that could be done regarding this situation and while I sat there in shock at being told that they would not continue to help me with this, he politely hung up on me. I can not believe that an established and trusted company such as CHASE bank would treat a customer this way. I did everything required and their promotion is falsely advertising something they are not willing to give. I also calmly tried to give them a chance to make this right and was treated very poorly AND they have done nothing to resolve the false advertising which can be easily viewed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This whole situation has left me feeling powerless and unheard so I am hoping that the CFPB will help me to hold CHASE accountable. The last supervisor I spoke with made it very clear that the company did not care what they had promised and that I could not do anything about it. I do not believe that this is appropriate or fair. 

Thank you so much for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE

Complaint narrative:
My mortgage was transferred to Carrington Mortgage from XXXX XXXX XXXX on XXXX 2016. While I as at XXXX I have never missed a mortgage payment. I received a statement claiming I owe {$4800.00}. My normal mortgage payments are {$950.00}. Carrington Mortgage has changed the amount due ever month since the transfer to them. I pulled my credit report this year and found out I was being reported late for 3 month. I have since made an extra " normal '' mortgage payment to bring my account current. Now Carrington is charging me a monthly late fee for past due amount that I do not owe. My XX/XX/XXXX mortgage payment is not being accepted as they now want a minimum of {$2900.00} of which I do not have. By not accepting my mortgage payment will now cause me to again be late on my credit report, hurting my credit substantially. I need my account corrected, my payments accepted and my credit standing corrected. I have tried to dispute these " Unknown Fees '' that should never have been charged to my account with the credit bureaus and the Carrington Mortgage but the fees are still on my account. It also seems these fees was transferred from my original mortgagor, XXXX XXXX XXXX. As, I have NEVER been late my entire 12 years with them prior to the transfer, I should never have been assessed these enormous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was told over a year and a half ago that my loans were under investigation for fraud because the school closed down while I was attending because they were stealing money I stopped paying my loans because I was told I did n't have to by teachers working at the school it has impacted my credit score tremendously and I can not buy a home with this on my credit score since I was XXXX I have been dealing with this horrible credit score because of missed payments I contact financial aid I contact navient and no one helps me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: KS

Complaint narrative:
I will like to flile a claim against XXXX in the amount of {$59000.00} for a debt of student loans! I would like XXXX to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of XXXX XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for XXXX to reach out TRANSUNION, XXXX and XXXX and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!

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 2017-08-30 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: KS

Complaint narrative:
I will like to flile a claim against XXXX in the amount of {$59000.00} for a debt of student loans! I would like XXXX to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of XXXX XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for XXXX to reach out XXXX, EQUIFAX and XXXX and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: KS

Complaint narrative:
I will like to flile a claim against XXXX in the amount of {$59000.00} for a debt of student loans! I would like XXXX to validate that these debts are mine XXXX XXXX XXXX, by providing me the original wet signature contract for all debts listed below! furthermore I would like to request a copy of XXXX XXXX and validation of original loan amounts and dates to which these debts occurred, ( listed by account number below ) are attached to! If all of the documentations are not sent, I will like for XXXX to reach out XXXX, XXXX  and Experian and remove all debts from my reports. 

# XXXX {$9700.00} # XXXX {$4400.00} # XXXX {$4300.00} # XXXX {$8000.00} # XXXX {$4100.00} # XXXX {$4000.00} # XXXX {$1900.00} # XXXX {$1500.00} # XXXX {$7800.00} # XXXX {$1900.00} # XXXX {$1200.00} and any other debts you are wishing to collect on! please validate and stop reporting!

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 2017-08-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax by phone regarding my credit report im unable to get my report or score from XXXX XXXX or any other credit monitoring service. This is not the first time and its just an on going issue with my equifax credit report. They have fixed it before and it has happened again where all my credit accounts have vanished from my report. Its impacting my lifestyle and my credit worthiness to creditors. Every time I have contacted them they tell me all is fine on their end and I do have an actual file with them how ever nothing is reporting when I pull my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
To Whom It May Concern, Checkr is a company that XXXX uses to do back round checks on all applicants. 
I had applied with XXXX 3 to 4 times in the last 1 and a half. Same response " no '' due to " Identity Theft ''. I in no way have been accused nor have been a victim. I 've tried and tried to resolve however, not enough information is given from checkr. Please assist in this matter. Its causing hiring issues. 
Sincerely XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Presto Auto Loans, Inc.
State: AZ

Complaint narrative:
on XXXX. 2014 I stop paying a tile loan. I call the tile loan office because I had a financial issue. the loan company and I never could get it resolved. there was a period when I made some payments after but the interest kept going up. that 's when I got into a deep financial hardship. now present I 've reach out to the collect department and I was told that I had to pay full amount that was is pending on loan, plus interest. My defense is are they allowed to collect the full amount and interest? .. after it shows a charge-off 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 2017-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SERVICELINK LOSS MITIGATION SERVICES
State: MI

Complaint narrative:
XXXX XXXX, by way of SeriveLink, LLC, recorded an unsigned, unverifiable, QuitClaim Deed in error, falsely, misrepresented, in XXXX XXXX XXXX of Deeds. As the Secured Party Creditors, and the holders of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX XXXX XXXX XXXX, their alleged claims and/or requests prejudice my rights, titles, and interests in regard to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. For me to provide them with a remedy, I conditionally accept their offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof that the property is acquired by a new entity, 2. VERIFIABLE Proof of a copy of your lease ( even if expired ) or any other proof of your right to occupy the property, 3. VERIFIABLE Proof that the property in which I reside has been foreclosed, and 4. VERIFIABLE Proof of Proof of any security deposit paid and/or copies of cancelled checks or other proof that shows payment ( s ). 
5. VERIFIABLE Proof of any rent/lease payments and any other correspondence related to my occupancy of the property. 
6. VERIFIABLE Proof that a contract exist with any of the said parties.

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 2017-08-30 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo Visa, is refusing to give senior, XXXX XXXX XXXX reimbursement for credit card purchases made by a caregiver, XXXX XXXX, who has been charged with XXXX felonies for this theft and senior abuse. XXXX XXXX 's district attorney has provided proof of charges.Wells Fargo states that because she promised to pay it back they will not reimburse him. We have all documents of proof. We have been dealing with this since XX/XX/XXXX.XXXX XXXX XXXX XXXX XXXX at the age of XXXX, XX/XX/XXXX, but our family wishes to pursue Wells Fargo and Visa to repay his estate.I hope that you can help us. The amount of the theft on the Visa charges are {$14000.00} and XXXX in interest and fees.for a total XXXX.XXXX XXXX also made payments to XXXX Visa out of his checking account in the amount of $ XXXX.XXXX XXXX also used a Debit card without his permission in excess of 100 thousand dollars.Wells Fargo will not reimburse for these losses,.

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 2017-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Processing Group LLC
State: MA

Complaint narrative:
0n XXXX XXXX 17 XXXX from XXXX XXXX XXXX called my daughter in NC, my son - law in NC, my son in XXXX, Ma and left me a message too from a restricted phone number. XXXX, told my son his co had a warrant for my ARREST and needed him to get me this urgent message. My son hung up on him. my message stated he had a summons for me to appear in court to call Law Firm XXXX XXXX XXXX XXXX XXXX at XXXX with file # XXXX ..I called the number today and spoke to a XXXX XXXX who I told my family members were harassed and that my son was told they had a warrant and my message stated they had a summons for me to appear in court? I told XXXX XXXX this co is out of line, not licensed, not following lawful, guidelines. XXXX XXXX disagreed and did n't want to listen. I have not received anything from these people and they had an old address I lived at. I asked to have info sent to my correct address and he only threatened me and said I will be receiving a summons to go to court being sued

Company response to consumer: Untimely response