vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX cell phone, the phone 's ESN # XXXX, the SIM # XXXX for {$310.00} thru a special XXXX XXXX XXXX promotion ( if customer signs with XXXX XXXX XXXX ) from XXXX XXXX XXXX in XXXX XXXX, CA. 

XXXX XXXX XXXX rep called XXXX XXXX XXXX and setup acct # XXXX and for 2 hours was unsuccessful to keep/transfer my business cell phone number. The rep gave me my purchased cell phone and stated I could try on my own. I visited two XXXX XXXX XXXX stores and then called customer support and technical support in which all attempts still unsuccessful to transfer my cell number. 
Within 8 days ( including XXXX XXXX and XXXXXXXX XXXX has a 14 day return policy ), I returned the cell phone onXX/XX/XXXXand was refunded and was told the XXXX XXXX XXXX acct was cancelled since I did not use the cell phone. From XX/XX/XXXX thru present, I continued to receive XXXX XXXX XXXX billing for XXXX. I called and explained, no change. I then sent all receipts, notes to explain I did not have any type of account with XXXX & XXXX I am now being mail abused by many different creditors as well as XXXX XXXX XXXX to pay {$100.00} that I do not owe. 
XXXX XXXX XXXX has placed this debt on my credit report and I disputed but still received collection letters. I ask that the CFPB investigate XXXX XXXX XXXX for fraud charging and unfair practices against the consumer. Thank you.

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 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: First Data Corporation
State: TX

Complaint narrative:
Explaining ' a ( XX/XX/XXXX - XX/XX/XXXX ) Request ' for a Telecheck File Report, A Specialty Reporting Agency in the Collecting and Selling of Personal Information for the use in Credit Determination. 

Telecheck does not provide " full disclosure '' of the File Report ( # XXXX ) for the Dispute or Correct in an understanding of Pinpoint Service Errors of the Contributor ' : XXXXXXXX XXXX XXXX XXXX XXXX ', the Importances for Represented Elements received from XXXX XXXX XXXX, In an Evaluation of Review '  of an Effective Communication with XXXX and Myself since, XXXX of XXXX. 

Evaluations ' of the Continuing Escalating Concerns of XXXX XXXX ' _ Specialty Reporting Agency, in the Collecting and Selling of Information for the use in Credit Determination, An Evaluation of Allegiances and Alliances of Telecheck/FirstData that is ' of my XXXX XXXX XXXX XXXX ' Account, the Pinpoint Service Errors ' of the XXXX XXXX XXXXXXXX XXXX XXXX : Personal Banker ', the Escalated Concern of numerous Application Reporting ( s ) for a Simple ' Secured XXXX ' Approval.

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 2018-03-11 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: FL

Complaint narrative:
I SENT EXPERIAN SUPPORTING DOCUMENTS IN REFRENCE TO COLLECTION AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX THAT IS NOT LICSENSED NOR BONDED IN THE STATE OF FLORIDA WHICH IS A VIOLATION PER FLORIDA OFFICE OF REGULATION AND ADVISED THEM TO DELTE 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 non-monetary relief
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I disputed an account with all 3 credit bureaus regarding Diversified consultants in which they purchased or inherited an account from XXXX XXXXXXXX XXXX {$580.00} XXXX after I asked the to validate this account and they could not validate, and now I have asked Diversified Consultants to validate this account as well, and they did not validate. But they are still reporting this inaccurate account on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have placed a dispute with equifax on XX/XX/2018 regarding a chapter XXXX BK that was not related to me with confirmation # XXXX. I checked my credit report due to an alert of a score change on XX/XX/2018 and noticed the item was deleted ( chpt XXXX BK ). On fri XXXX the item was re-inserted back on my report. I contacted Equifax again on XX/XX/2018 to notify them that i was not notified in writing nor email of the reinsertion within 5 business days allowed by law per the FCRA. I also faxed them a formal complaint letter to remove item on same day. Equifax removed the item on XX/XX/XXXX for 2nd time and reinserted it again on XX/XX/2018 confirmation # XXXX. THis is now a direct violation of my rights under the FCRA. Equifax is knowingly and willingly dmamaging my scores and credit reports on purpose as i am in the middle of closing a mortgage. They also claimed to had verified information with courts and courts told me they do not verify third party information such as the credit bureau. the re-investigation was incomplete as they were untruthful with me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Upon checking my credit report, I discovered that Walmart placed 3 derogatory marks on my credit report about an account that I have with them. The following was written on my credit : XX/XX/XXXX, 30 day late, XX/XX/XXXX, 60 day late and XX/XX/XXXX, 90 day late. This account has never been 30, 60 or 90 days late. The minimum payment that was due in on XX/XX/XXXX was XXXX dollars, which Walmart debited out of a XXXX XXXX account. From there, a minimum payment is due on or before the first of each month. They have been getting their monthly payment every month. I would like this derogatory marks ( s ) removed off my credit. I wrote a letter disputing this and no response was received from Walmart. On XX/XX/XXXX, I called Walmart and asked why they reported inaccurate information ... the rep told me that although I pay every month on the first, they cut their statements off on the XXXX of the month. I don't understand what the rational is. i pay every month on the due date. 

This inaccurate information on my credit report is defaming my character and preventing me from getting credit.

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 2018-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is my service now after they bought it from I'm not sure who. It has gone from service provider and bought out by the next. Anyway I went to school at XXXX XXXX for under two years but am being told I owe Navient {$170000.00}. On a recent statement is says that the money was from XXXX XXXX in the amount of approx. {$78000.00} but now I guess in interest up to the current amount. I have never rec 'd this amount of money {$78000.00} from anyone, not XXXX XXXX and certainly not XXXX XXXX. I have asked every rep on a recorded line about this balance and none of them have any answers. I did agree to start paying on this loan although I didn't agree with the amount back in XXXX or XXXX in order to be eligible to apply for a so-called Obama mortgage program to help people get into a home program that would allow a smaller down payment. I was told that I had to start paying on these loans although I NEVER agreed to the amount. And I still don't. I need some assistance on how this loan has ballooned up to the amount of a home, and how and who rec 'd the principle amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Ref complaint # XXXX I asked for further information as to how the interest was being allocated and have not heard back, it has been apx 4 weeks. I have continued to pay interest only for over 4 years, yet still pay more each year in interest and want to see how this is determined, where it goes and some type of balance as far as interest. I paid over 6000 in interest this year ... which is more than last. I would think each year the interest would be decreasing but it is increasing which does not make sense. I want to see where all my money is going, interest included. The forms I was given only shows principal not any interest. How much interest could I possible owe!? At this rate I could have paid for 3 homes!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NY

Complaint narrative:
My complaint is with Statebridge, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ( Their phone number is XXXX ) I originally had my mortgage with XXXX and it was transferred to Statebridge over a year ago. 

The amount I am supposed to pay monthly ( Fixed interest rate ) is XXXX per a modified loan agreement that was signed about 4 or 5 years ago. However they are billing me for XXXX per month. 

When I called up to get more information I was told this was for insurance and property taxes. 

I live in a coop in XXXX XXXX XXXXXXXX. I pay insurance for the inside of my apartment through XXXX XXXX. Also the management agent for the coop pays insurance for the outside of my apartment. As for property taxes the management agent also pays my share of property taxes. ( There is not an individual tax bill for my apartment but rather a tax bill for all the apartments in the co-op and the management agent pays then bills us for based on the number of shares owned ). So every month when I pay my monthly maintenance charges ( of which I am current ) part of the payment includes property taxes and insurance.

However Statebridge claims they received an individual tax bill for my apartment when XXXX does not give individual tax bills for coops but a total bill for all the apartments in a coop which the managing agent then charges us for based on the number of shares in our apartment. 

Bottom line is I do not wish to be billed by Statebridge for insurance and property taxes when I am either paying for this on my own or through my monthly coop maintenance. Also originally I was a month ahead on my payments when my account was transferred to Statebridge but the extra payment was confiscated by Statebridge for its fictitious property tax and insurance payments on my behalf.. I would like this money ( One month 's mortgage payment ) that was stolen from me to be returned to my account or refunded to me )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
I lease a XXXX XXXX XXXX and XXXX from XXXX. Upon checking my credit report, I noticed that there was a 30 day late reported inXX/XX/2017.  This is inaccurate and it should be deleted. I have contacted the company recently and they responded that they were not going to delete the item. The account is current. 
This erroneous information is preventing me from obtaining credit. The company has writtten me regarding my lease trade in and I would like to trade in my car and lease another vehicle from them ... however I can not obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
On XX/XX/18 My alleged past due amount was {$6500.00} on that date I made a payment of my entire annual bonus and then some for a total of {$700.00} bringing the balance down to {$5800.00}. This was reflected on their website. The very next day on XX/XX/18 ( Saturday ) I checked the site because everytime I make a substantial payment they jack up the balance, just as they did a month ago when I gave them most of my tax return. Surprise, Surprise,  they are up to their usual fraud. the balance " magically '' jumped back up {$220.00} in one day! Keep in mind this is on top of my usual $ XXXX/mo payment. I can not find anything on their site about fees or anything that would justify this. Given their long history of criminal abuse of lenders I am utterly disgusted. They have been robbing me of my life 's labor for years and it seems nothing is changing, no one is helping me! I will spend all my free waking time tomorrow on top of the 10 hour day I have to work getting shuffled around on their automated phone system, which has been so honest and helpful in the past ( extreme sarcasm ) PLEASE HELP ME FROM THESE CRIMINALS!!! I AM BEGGING YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
As i reviewed my credit report i noticed that there was an account in debt and in collections already in which was not me so i want it be removed from mt credit file. This is the account name, number, date it opened and closed, and balances as it appears on my credit report : CITI Bank credit card- acct number : XXXX Opened on XX/XX/2014 closes XX/XX/2014 Credit limit is {$200.00} Amount past due {$220.00} and High balance is {$310.00}.

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 2018-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2015 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XX/XX/2017 I spoke to a representative and told the person them that this bill was inaccurate because their was a second insurane that should have been filed at the time of the visit and the man who i spoke to begin to tell me that i need to be responsible and pay my bills i told the rep that i was not going to go back and forth he then begin to make a threat to me and say that he was going to have it placed on my credit report because that would be the next step my concern is that it was placed due to threats this problem have causes a significant drop in my credit score. I will like for this to be resolved and removed off my credit report

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 2018-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
I recieved a bill from a debt collector XXXX XXXX on XXXX XX/XX/XXXX for a emergency standing room visit on XX/XX/XXXX stating I owed XXXX past due at that time for services rendered. What they don't state is my insurance paid for said visit our obligation was a XXXX co pay which was paid at that time ... I sent certified mail stating this and requested a actual statement from XXXX XXXX stating actual charges..They sent a in house statement from their company.My concern is this is Medical Fraud .How did they obtain my info and why was I not notified prior to the Debt collector contacting me.Account number per XXXX XXXX XXXX XXXX   is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: MI

Complaint narrative:
I have attempted to dispute the account with Hunter Warfield with the credit bureaus and they have indicated that the account has been updated. I would like to add that this company is not licensed to do business in the State of Michigan. As such, I am asking that they discontinue reporting that I owe a debt to them. With my recent dispute to the credit bureau, they have also updated my report, adding a family member 's name to the credit report. She has not pulled her report to confirm if they are reporting but if they are, I am requesting that they remove this information immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I saw a web advertising for Amex Premier Rewards Gold Card ( -XXXX XXXX XXXX XXXX XXXX ) what Amex mentioned {$2000.00} spending within 90days and I can get XXXX MR points. But Amex didn't give this XXXX   reward points.

Amex said that I already had same card with rewards points.

But, when I apply this card, web site application didn't mention about that. And former card made long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I have never done business with XXXX XXXX and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.

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 2018-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I received a demand letter from XXXX  a collection company. XXXX is demanding XXXX for debt collection for XXXX XXXX XXXX XXXX XXXX.

This debt does not belong to me and is a result of identity theft. I have made serval attempts to resolve this issue with XXXX with no help.

XXXX is attempting to collect a debt which never belonged to me.

I demand this debt be verified and copies of all documentation for this account be emailed to me for discovery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: LA

Complaint narrative:
I have never done business with Security Credit Services and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I have never done business with XXXX XXXX and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.

Company response to consumer: Closed with explanation