vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This collection account is not mine. I do not own Portfolio Recovery. 

I have attached a copy of the letter I received from Portfolio Recovery Associates XXXX which is dated XXXX XXXX, XXXX which has the account number : XXXX I have also included a copy of my old credit report from XXXX which is dated : XXXX XXXX, XXXX which was 7 years and 3 months ago which had Portfolio Recovery listed with the same account number of : # XXXX This account is actually a " Time Barred Debt '' after 4 years. 

According to the old credit report Portfolio Recovery Associates opened in XXXX XXXX and was last reported XXXX XXXX. 

The original Creditor was listed as : XXXX XXXX XXXX which I have no recollection of when this account opened. I do n't remember even having an account from XXXX XXXX XXXX. 

I do not owe this debt as it shows it was issued in XXXX. This was 12 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient keeps ignoring my allocation instructions, as I am paying ahead on my loans. I write the instructions on a separate piece of paper when I send it in, and also call them before I mail the check with the instructions to put into the computer. They always say they are sorry and it wo n't happen again, yet each month I have to call back after I go online and see my payment has been allocated incorrectly. Dealing with them is 15-25 minutes of frustration each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have many credit inquires that I did not authorize through Equifax.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I tried to dispute a couple of accounts on my credit and XXXX account stayed open. They never updated my information from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: OR

Complaint narrative:
I notified ERC twice about an alleged debt owed to original creditor " XXXX XXXX XXXX '' for the amount of XXXX. 

I sent them a letter by regular first class mail back in XXXX of XXXX asking for verification and reporting dispute. They did not respond. I sent a second letter by Certified Mail Return Receipt Requested in XXXX of XXXX requesting a settlement in which I agree with pay a partial amount and they agree to remove the account. They did not respond. 

They have failed to respond either time and have since changed the " Date of Last Activity '' on the account on my credit reports to a more recent date -- harming my credit score. 

I have contacted XXXX XXXX XXXX directly and no one can validate that any debt belongs to me under my social security number or name. 

The company has now violated both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by 1 ) Never sending me an original DUNNING letter that such a debt existed 2 ) Not responding to official requests for validation of said debt nor reporting the debt as disputed 3 )  Updating or " re-aging '' the account on my credit report to make it look current and harming my credit score. 

I am in the process of trying to get a mortgage and this score damage has caused me to not be eligible for the best rate. This constitutes actual harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: MA

Complaint narrative:
Transunion has credit inquires that I did not authorize on my credit report XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX. 
XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2017-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX . XXXX XXXX, IL. XXXX ( XXXX ) XXXX Account # : 1. XXXX - opened XX/XX/XXXX-closed XX/XX/XXXX JPMorgan Chase & Co XXXX XXXX. XXXX XXXX XXXX, IL. XXXX Dear Sir or Madam : I am writing to dispute in regards to my checking account, which was closed without anyone telling me why? I opened acct. with Chase on the day mentioned above with the upmost of good intentions. My SSI check and my child support check is deposited monthly. I was wondering since XX/XX/XXXX why, would your bank chose to just close my account? I tried to pay a bill and my card was denied! So I called the bank and was told that my account was closed and, I will be notified by mail! But what happens to my direct deposit checks? How am I to get my money? I am a single mother with XXXX sons, I have bills to pay! Im a very honest person. I feel that someone in the bank should have set down with me and told me why my account was closed. 
If you are wondering what took me so long to contact you on this matter, the reason is I didnt know what to do. 
I would appreciate a response from you in writing or email. Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX CC : Consumer Financial Protection Bureau Federal Trade Commission Office of the Comptroller of the Currency Federal Reserve Consumer Help Center FDIC Consumer Response Center National Credit Union Administration

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: MA

Complaint narrative:
Transunion has credit inquires that I did not authorize on my credit report XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX. 
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX 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 2017-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glenn Associates, Inc.
State: MA

Complaint narrative:
I am being charged for a service where I had active health insurance at the time. I had XXXX XXXX XXXX XXXX and I had disputed this through the credit bureaus with no success XXXX/XXXX/XXXX is the date of service for {$400.00} I am also being charged for date of service XXXX/XXXX/XXXX for {$360.00} XXXX/XXXX/XXXX {$230.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several inquiries on my Equifax report that were not authorized, I believe they are related to the Equifax breech. Equifax refuses to help me or remove these inquires. I have spoken with the companies and they have no record of me having ever done business with them and some claim to have reached out to Equifax to have removed and they have failed to do so. The inquires are as follows. 
- XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX- XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX XXXX I have never done business with any of the above creditors and until they showed up on my report I had never even heard of them and Equifax refuses to help me with this matter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I tried to dispute a couple of accounts on my credit and XXXX account stayed open. They never updated my information from my credit score.

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 2017-10-01 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: GA

Complaint narrative:
I have XXXX credit inquiries on my Transunion credit report that are not only unauthorized but I have never heard from the companies. I have contact the companies who say they have contacted Transunion to remove these inquires and they have not done so. Transunion refuses to help me and continues to deny all disputes I have made on this matter. The inquires are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-XXXX 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 2017-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several inquiries on my credit report that I did not authorize. I have always wondered how someone could get access to my credit report and now I know. Equifax has confirmed that I was XXXX of the people affected by the XXXX and now someone out there has my credit information. I would like for them to delete these unauthorized inquiries ASAP. 

XXXX Inquiries XXXX : XXXX XXXX Inquiry : XX/XX/XXXX -  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX BANK XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Inquiry : XX/XX/XXXX + XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXXInquiry : XX/XX/XXXX + Auto Financing XX/XX/XXXX XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Loans XXXX. 
XXXX Inquiry : XX/XX/XXXX + Complete Dept. XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX DEALER XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX Unions XXXX Inquiry :XX/XX/XXXX + Complete Dept. Stores US XXXX Inquiry : XX/XX/XXXX + All Banks ASSOCIATED CREDIT XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions XXXX Inquiry : XX/XX/XXXX +

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
The complaint for AMERICAN EXPRESS company with my American Express XXXX XXXX XXXX Credit Card. I have issued with this company because part of my reward is missing. I applied this card on XXXX XXXX and got approved on XXXX XXXX, XXXX. On that time, the Amex company offer that card with " Earn up to XXXX bonus Starpoints Offer ends XXXX/XXXX/XXXX. As with the consumer card, you would earn the XXXX points in two stages : XXXX after you use the card to make {$5000.00} in purchases within the first three months, and an extra XXXX after you make an additional {$3000.00} in purchases within the first six months. '' I met the purchased requirement on the first month I opened this card ( used {$5000.00} in first month ), however I only got XXXX star points until right now. I talked with American Express customers ' representative many times, different people gave me different answers. They mentioned me different people have different card offer, so they open the investigation for me on end of XXXX. On last time I chatted with one customer representative ( either XXXX or XXXX, I can not remember right now ), he confirmed I am in the " XXXX '' offer list, another XXXX points will be released end of XXXX. Right now, is XXXX XXXX, XXXX, I still did not receive the another XXXX points. I called them today, their answers are totally different than last time. They told me I am on the XXXX points lists, different people have different offer. 
However, I am 100 % confirmed when I applied this card, my offer is XXXX points. After searching all the other websites, I confirmed the offer expired on XXXX XXXX. Right now, American Express Company removed all the XXXX points offer information on its website, but if you google '' AMEX SPG XXXX '', you can find many websites have the offer information. The card is not selected customers card, it opened to public who want to apply. 
( I listed some websites who have this offer information : https : XXXX https : XXXX http : XXXX ) The company right now do not want to give me another XXXX points. They made the distinction between me and other applicants. I want you guys can solve this issue for me. I am the customers of Amex, I want this company to treat me fairly. If necessary, I can provide all the information about my card, offer and any other if you guys need. Thanks for the help. I will wait for the reply from you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In XXXX of 2016 I contacted XXXX to ask about finance charges and let them know I was about to be out of work due to a XXXX. I have since contacted them 10 times, either via direct mail or email. I first offered to pay off the amount in full but I had just found out they raised the interest and the intro rate had expired. I wanted that taken off and I would pay the balance. They never responded. I wrote two more times before they responded with a rejection of my offer but. I response to being out. They wrote a letter finally in XX/XX/XXXX but I specifically requested it be handled via mail to insure accuracy. They have never responded now my credit is hurt because of it and they still have not addressed that I have been out on a XXXX 's XXXX injury since XX/XX/XXXX and have not made payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
MY ISSUE IS WITH FIFTH THIRD BANK. AND HAVE TWO ISSUES. THE FIRST IS, THAT MY ACCOUNT IS OVERDRAWN FROM A PURCHASE OF {$150.00}. I WAS IN A BAD CAR ACCIDENT AND CANT PAY THIS BILL NOW TO THE BANK, AND I TOLD THEM TO CLOSE THE ACCOUNT OUT AND THAT I WILL MAKE MONTHLY PAYMENTS TO THEM. THEY SAID THEY WILL NEVER CLOSE THE ACCOUNT OUT AND WILL KEEP ACCRUING CHARGES AND I WILL HAVE TO CONTINUE TO PAY A MONTHLY CHECKING ACCT FEE OF {$11.00} PER MONTH. THIS HAPENED IN XXXX AND THEY CHARGED ME WITH A {$34.00}. XXXX OVER DRAFT FEE, AND {$11.00} MONTHLY BANKING FEE, SINCE I WONT HAVE MY XXXX XXXX CHECK IN THEIR ACCOUNT ANYMORE, AND I REFUSE TO EVER BANK WITH THEM, REGARDING ISSUES A FEW MONTHS A GO, WHERE THEY PAID A PAYMENT FOR ME, WITHOUT MY PERMISSION. SO, I WAS CHARGED A TOTAL OF {$190.00}. I THEN GOT A LETTER, XXXX XXXX FOR A BILL OF {$190.00}, AND THEN, XXXX XXXX FOR {$190.00}. AND THEN XXXX XXXX THE BILL IS NOW {$200.00}, AND THEY KEEP ADDING FEES AND CHARGES. I WANT THEM TO STOP ADDING CHARGES AND TO CLOSE MY ACCOUNT IMMEDIATELY AS I HAD ASKED THEM IN XXXX WHEN THIS ORIGINALLY ALL HAPPENED. I HAD A SIMILAR ISSUE WITH A DIFFERENT BANK AT XXXX, DUE TO OVERDRAFT FEES A FEW YEARS A GO, DUE TO MY VET NOT HOLDING A CHECK I WROTE TO THEM UNTIL I GOT MY XXXX CHECK, AND IT BOUNCED MANY CHECKS, ACCRUING TO {$300.00}, YET, XXXX BANK, CLOSED THE ACCOUNT IMMEDIATELY, AND TURNED IT OVER TO THE, CREDIT BUREAU. I FEEL LIKE THIS IS THE BEST SOLUTION FOR THIS MATTER, AND INSTEAD OF MAKING AN, {$11.00} MONTHLY FEE FOR A CHECKING ACCOUNT WITH NO MONEY IN IT, IS TO CLOSE IT, AND I CAN PAY THEM THAT {$11.00} A MONTH TOWARDS THE BILL, AS THATS THE MOST I CAN AFFORD, IF THEY DONT, THEN THEIR BILL WILL NEVER BE PAID TO THEM RE, THE {$150.00} AND OVER DRAFT FEE, SINCE I GET {$690.00} PER MONTH TO LIVE ON FROM, XXXX XXXX WHICH IS HARD, AND NOW I GOT WRECKED INTO, MY CAR WAS TOTALED, AND MY CAR IS ONLY WORTH, {$1200.00}, SO I WILL BE USING A TAXI, WHICH IS EXPENSIVE, AND I CANT BUY A CAR NOW FOR {$1200.00}, SO I HAVE MAJOR MONEY PROBLEMS AND HEALTH ISSUES AND INJURIES FROM THIS CAR ACCIDENT. PLEASE HELP ME WITH THIS MATTER, AND HAVE THEM CLOSE OUT MY ACCOUNT, SO I CAN START PAYING THEM {$11.00} PER MONTH TO PAY THIS OFF, INSTEAD OF THEM CHARGING ME EVERY MONTH FOR AN EMPTY ACCOUNT, WHICH I HAVE HAD TOO MANY UNETHICAL THINGS DONE TO ME VIA FIFTH THIRD BANK, AND IT HAS BEEN FRUSTRATING. THANKS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I applied for a loan modification with XXXX XXXX XXXX during the summer. Well eventually I find out that my bank intended to sell my mortgage. The account number for XXXX XXXX XXXX is XXXX. I tried to find the proof of this since I had put the paperwork online in the upload section. Found out that I can not access this. Awful convenient for them. My account was transferred to Carrington Mortgage Services LLC. The account number for this account is XXXX. I on numerous occasions let them know I was behind and wanted to apply for a loan modification. Well finally I was sent an application. I filled it out at the beginning of this month and uploaded all the documentation they required. That was on XXXX XXXX of this year. On the seventh they indicated it was incomplete. So I uploaded the rest of the documentation on XXXX XXXX. The website shows that no one has looked at anything since XXXX XXXX. I called on Friday and they just brushed me aside. Why is there no one looking at my application. So on Friday I get a letter saying Carrington plans on foreclosing. I know that I am behind but is this not dual tracking? I have not even had anyone tell me what is missing or anyone even look at anything since XXXX XXXX. How can they make a decision if they do not even look at my application? So now I am going to lose my house because someone is not doing their job. This seems unfair. I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: WV

Complaint narrative:
I am writing in reference to Midwest Recovery Systems. I do not have a signed contract nor any contract with this Agency. There has been absolutely no correspondence or notification from this company at all. This company has first fraudently reported the " Opened Date '' as " Unknown '' & then later reported the open date as XXXX.XXXX, 2017 the date the collection was placed on my Credit Report without notice. I demand to see a signed contract between Midwest Recovery Systems and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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:
In XXXX I mailed dispute letters for the negative items on my credit report to be investigated. After applying for internet services through XXXX XXXX I was told that their was already XXXX count opened at another address but I didnt live their so I provided a copy of my military orders to show to XXXX XXXX and was told to check my credit for other items. After viewing my credit in XXXX XXXX i have over 90 credit inquiries and most were from fraud so I got a police report through XXXX XXXX Kansas police department located outside XXXX XXXX Kansas. I faxed it over to the burea on XXXX XXXX at XXXX at the box and ship located in XXXX XXXX Kansas . At the time I had credit repair companies fixing my credit which was XXXX XXXX XXXX and XXXX XXXX. They both submitted the police report and I received letters stating it was added to my report but whenever I call the three bureas I dont get an answer. They told me it was under investigation and the link they provided doesnt work its always unavailable. Ive tried contacting the companies from which the inquiries came from but they dont keep records was what I was told from representatives.

Company response to consumer: Closed with explanation