vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The purpose of this communication is to initiate the complaint process. 
The claim complaint is based on : ( 1 ) Non selection ( 2 ) Non referrals ( 3 ) No interviews ( 4 ) Never hired to work for the employer. On line web site duplications documents are included to verify applications submitted to the employer, from beginning XX/XX/XXXX to the most recent XX/XX/XXXX. Other applications were submitted before XX/XX/XXXX. 
Application content confirms the use of : ( 1 ) Background information checks ( 2 ) Credit reporting history - credit reports to confirm applications completions. Application section verifies race, other demographics. Applicant submitted additional documentation to verify race and XXXX. 
Factual background relative to the aforementioned claim complaint stated includes pertains to initial paper applications submitted during theXX/XX/XXXX. 

Rejected applicant is : ( 1 ) XXXX ( 2 ) Male ( 3 ) Not XXXX ( 4 ) Over the age of XXXX ( 5 ) Veteran ( 6 ) XXXX a. XXXX b. XXXX. 
These are the bases for the claim complaint. 
Separate documents were submitted with applications to designated identify the applicant 's demographics. 
At this point, employer 's selectees are unknown and no communications have been confirmed to the Human Resources department to justify the selectee 's demographics with the rejected applicant 's demographics. 
Employer 's specific reasons, pretext ( s ) for non selection, non referral, no interviews, never hired to work for the employer are unknown. 
Investigations would be vital and produce results to verify the claim complaint.

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 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have repeatedly disputed the XXXX account on my credit report. Experian did not investigate my dispute and not provided and proof that they contacted XXXX at all. I have sent Experian and XXXX a copy of my identity theft affidavit and FTC report. They refuse to remove the account and refuse to provide any investigations results.

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 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I contact Experian to dispute a few items listed on my credit file. My address was not listed, my name was incorrect, collections and an account that should have been removed or in the process of removal.

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 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent Experian a request to remove XXXX unauthorized and unverified accounts from my credit report. These accounts are incorrect and XXXX XXXX Violated Section 609 of the Fair Credit Reporting Act by not verifying signed Consumer Contracts PRIOR to reporting accounts on the credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
The interest rates charged by Barclay Bank Delaware on credit cards exceeds 19 % and is usurious. I requested that the interest be lowered so that I could pay the card off in 3 payments and was told that it could not be lowered. I am a senior. The balance on my card is {$12000.00}. and {$3200.00} respectively. I have asked numerous times for a reduction and have been told that nothing can be done. I have been told by my attorney just to stop making payments on the accounts because they will not work with me. They have told me that settlement on the accounts, even if they are paid in full would ruin my credit. I want the interest reduced to 8 - 9 % on each card. I do not want them reinstated - the bank cancelled them because I did not pay enough money on them despite the fact that I paid more than the minimum and have done so for years.

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 2017-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I took out a personal loan with a company called Springleaf Financial and I was making the payments on time until I ran into some financial trouble. I tried to work with company to make payment arrangements but that would not help me and then took unauthorized payments out of my bank account with out my consent. Now the company has changed over to One Main Financial and I am back to making payments, I am constantly be called harassed daily on my personal phone and on my job my about making payment arraignments, getting my checking account information, and when is my next pay period. They even go as far as telling me to go barrow the money from someone else so that I can pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
My dispute is with SpringLeaf Account # XXXX in the amount of {$6300.00} Tried to contact them with the information on my credit report - Was told they were no longer in business??? 
This is all the information I have : SPRINGLEAF XXXX XXXX XXXX XXXX {$6300.00} REV {$6300.00} $ XXXX {$6300.00} 1 0 0 0 CLOSED XP PURCHASED BY ANOTHER LENDER

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: HI

Complaint narrative:
The harassment is the defiance of telling them not to call company phone ... because I am a XXXX and the boss has told us not to answer non delivery calls because it interferes with safety. The ey have not obeyed our demands. The part that challenges me is that they call me on my work phone and usually it 's every day XXXX more than 3 times a day. The last straw is that demanding tones of coming in to make payments on their terms. They are demanding me to make commitments to pay that totally do n't meet my budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA

Complaint narrative:
I think this is an unfair and misleading practice by some loan companies. Why is this allowed to happen and be reported on our credit reports in this manner. It is not accurate because it makes other lenders think you are drowning in debt when the actual pay off on your loan is drastically lower. I have a consumer loan with One Main Financial and on my credit report it is reflected with a balance as shown below. 
Open - Current {$21000.00} The actual pay off is {$12000.00}. On our credit reports they are reporting the debt as what it would be if it was continued to be paid off for the life of the loan. Some other loan companies are following suit. This is ridiculous. If that was the case on my house it would look like instead of {$140000.00} remaining to be paid off the credit report would reflect about {$250000.00} as that would be the total of all the payments if I paid on it the next 28 years. I am assuming the loan companies are trying to hedge against someone filing bankruptcy on them but, it screws up consumers chances of getting loans when they need them because it misleads lenders and everyone about the real pay off amounts of their current debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
On about XX/XX/2016 I disputed this debt that is in collections on my credit report. I want it completely removed off of my account. I do n't know where it is coming from and this collections agency failed to verify any literature as proof of contract with them. I sent a dispute letter to remove this account of of my credit report on about XX/XX/XXXX and XX/XX/2016. Neither times this collection agency responded. It shows on my credit report as an OPEN collections account and that I owe {$180.00}, I want it to be deleted completely. Attached is the letter I certified mailed them last year.

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 2017-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
During the time from my original date of building my home, father deeded me ( .XXXX acres ) dated XX/XX/XXXX from the XXXX acres he originally purchased on XX/XX/XXXX. I have refinanced my home since the original date of obtaining property, which this took place on XX/XX/XXXX during this time the closing attorney staff ( XXXX XXXX XXXX, XXXX ) did not examine my portion of the legal description ( .XXXX acres ) closely and ending up including the parcel that did not belong to me. 
Sometime back in XX/XX/XXXX my sister made an attempt to mortgage her portion of the property during a title examination, and discovered the mortgage lien was attached to her property. This being said ; has made the entire Mortgage Note ( Carrington Mortgage services ) invalid since it included an executed instrument on a parcel that did not belong to me. 
I have made several attempts in contacting both the mortgage servicer and the attorney in trying to resolve this matter. This has been very XXXX for the past 9 month for both my sister and I with the failed attempts in resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I 've disputed the information with XXXX, Equifax, and XXXX about duplicates listed on my negative account regarding student loans. XXXX loan is listing for only XXXX $ but is clearly a part of the loan with the same account number and open dates. There are other student loans from Dept of Education/XXXX with the same everything thus, listing that I have XXXX negative accounts when there should only be XXXX. This is really hurting my credit score and I ca n't get the Dept of Education ( since the loans are no longer with them ) nor the credit bureaus to correct this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous negative and collection accounts that are reporting to my credit that has been previously removed. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run and or having the proper information on the said account. further more they refer me back to the credit bureau. Im not getting anywhere and want these negative marks removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. the accounts in question are as follows : XXXX ( Collection ) XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts were previously removed under FCRA but have been re added.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education
State: DC

Complaint narrative:
I have federal student loans serviced by Utah Higher Education XXXX ( XXXX ). XXXX recently transitioned to paperless billing, and claimed to provide access to billing statements online. This is false. When logged in to my account, I can see the date of my most recent bill and am given the option to " view/print bill, '' but doing so opens a PDF with an error message. There is also a " paperless inbox, '' which claims " You Do Not Have Any Billing Statements to View. '' I called XXXX, and the customer service representative seemed to be aware of the issue with the error message PDF, but said only that the IT department was located elsewhere and she could not provide me an estimate of when it would be fixed. She also could neither provide a copy of the billing statement via email, or upload it to the " paperless inbox '' section of my account. Instead, she said my only option was to wait to receive a paper copy, which she had to " generate, '' that would be sent in 2-5 business days. I believe XXXX is intentionally making it difficult for borrowers to obtain their billing statements, by transitioning to paperless billing but then failing to make billing statements actually available online.

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 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am making a complaint against Wells Fargo again about the {$30000.00} settlement check they will send me. This money is going to cover my legal fees but what about the water bills, the loss I incurred for not refinancing my property, all of the pain and suffering during these years for Wells Fargo to take responsibility? They said that the check they will send is not an admission of liability of their part but who are liable of this mess? Their lawyer dragged me into this so they should be liable. 
I just spoke to XXXX and the property has a water bill of {$13000.00}. I mentioned that from the beginning that I contacted XXXX and they could n't give me any information because the house was not on my name. Apparently it is under my name now since it is recorded and it has to be paid. 
The rate is going up and I can not refinance yet because Wells Fargo can not finalize my papers. It is lost opportunity for me. That is why I am asking Wells Fargo to settle with me fairly. They need to do something. I am really tired over this.

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 2017-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I had gotten a XXXX loan and a XXXX loan through my school XXXX and began attending school in XXXX, graduating the following year in XXXX. From the word jump there has always been problems with XXXX/Navient. When I first set up the automatic payment that was free because there were added charges to doing it any other way, they would charge me 2 or 3 times the monthly payment. Then when I would contact them they would tell me that someone must have entered in a number wrong and they were sorry for the inconvenience. Over the next few months other things would happen like it did n't automatically make my payment and charge me late fees and their excuse was the same every time. They never once would return the late fees. For months it was problem after problem until I stopped the auto pay and began doing it myself but the issues did n't stop there. Issues would come up where they would switch accounts on their end so my payments were no longer being received and more late charges or they would change the amount of my payments so I was under paying and more late charges. All of these things would happen and there was never a warning or something to let me know that they were changing not even when they changed their name which guess what, it cause the payments to not get processed and I was charged late fees. When things were tough they would lead me into thinking that forbearance was just a freeze on my loans and would n't have a negative affect on me in any way and they never gave me any other options besides going into forbearance. I still have issues with them to this day and am sickened by how they conduct their business. I hope this lawsuit ruins them and those in charge see the inside of a cell. The payments I make are almost the minimum and they are still the highest monthly fixed price bill I pay besides the mortgage on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
The bank approved a XXXX from out country to take out of my checking acvount on the XXXX I have contacted them several times went in and filled out papers with bank mansger. They have returned my bill as insufficient funds and have now taken my social security money out of my account. It is now the XXXX and I have none of my money because of them stealing it from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I 've only received emails from XXXX different banks. All of them asked me to click on the link provided in the email to verify the accounts. I did not do that because they are not mine. I replied to one of the email accounts with Chase Bank stating I was not the individual associated with the account. There was not a telephone number to call so replying to the email was the only way I knew how I might be able to communicate. I 've received about six emails from Chase Bank since XX/XX/XXXX. 
On XX/XX/XXXX I received an email from XXXX stating the account has been accessed from an unauthorized location. I do not have a XXXX account but there was a phone number to call for this bank. 
XX/XX/XXXX, I received an email from XXXX stating they were contacting me to inform me that their security department identified unusual activity in my account. In this email there was only a link to click on to verify the account but no telephone number. This is again, not my account. 
I am being sued for a debt that I do not believe to be mine as well and inquired about an investigation concerning this as well as placing a fraud alert at the XXXX credit reporting agencies. 
I am not sure how to attach these emails to this website. If you can help me with that I would appreciate it. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Fed advised me, as a result, that they did remove my authorization for the USE of the card, however the debt will continue to be reported on CBR, per XXXX on XXXX/17. 
However, being an authorized user was never the issue. The debt was never mine to begin with, there is n't any application from me, in my name, anywhere what so ever! 
So why would n't Navy Fed remove My name from my CBR? This is NOT EXCEPT ABLE AT ALL!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
My complaint is against the company that holds mortgage Bay view Loan Servicing. The company is very unprofessional and is always providing incorrect information and misplacing documents. However this complaint is reference to harassing collection call. My mortgage is due on the XXXX of each month and I have a grace period till XXXX of each month. Bay view begins making collections call on the XXXX. The calls are excessive 6 -- 7 calls a day every hour on the hour. I understand that the payment is late but this has to be some form of harassment. One call and a message is appropriate. Please contact this company about their collection call process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Bronstein & Weiss Arbitration
State: AL

Complaint narrative:
Contacted me and family members who were not included on any debt, no debtor given or nature of call, would not send physical mail to us.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: A & O Recovery Solutions, LLC
State: FL

Complaint narrative:
I received a call from number XXXX, XXXX, MO, for several days and without leaving a voice mail message. I called them back after a few days and they asked me if I was XXXX XXXX. I asked them what this call was regarding and company name. The representative said it was " CCI '', and hat there was a complaint against me and that I was going to be arrested and my property taken. I told her that his was an illegal debt collection practice and hung up.

Company response to consumer: Untimely response