vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  ENHANCED RECOVERY  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from 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 2017-05-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ,  XXXX   XXXX   XXXX  Credit Card. I have tried repeatedly through the credit bureau and the  XXXX ,  XXXX   XXXX   XXXX   XXXX  to get them to correct ALL of my credit bureau 's. When contacted the Credit Bureau 's they are NOT correcting their error. On all bureau 's they are reporting my account as a charge off in status and not reflecting monthly payments and new balance. This account did go to collections, but I receive a statement every month and am making my payments every month and reducing my balance every month. They are charging interest every month, like a credit account. Therefore, it is not a charge off if I am making payments, receiving a statement from the company and reducing my balance. Also, they are reporting the false information to my spouses bureau as well.

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 2017-05-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX ,  XXXX   XXXX   XXXX  Credit Card. I have tried repeatedly through the credit bureau and the  XXXX ,  XXXX   XXXX   XXXX   XXXX  to get them to correct ALL of my credit bureau 's. When contacted the Credit Bureau 's they are NOT correcting their error. On all bureau 's they are reporting my account as a charge off in status and not reflecting monthly payments and new balance. This account did go to collections, but I receive a statement every month and am making my payments every month and reducing my balance every month. They are charging interest every month, like a credit account. Therefore, it is not a charge off if I am making payments, receiving a statement from the company and reducing my balance. Also, they are reporting the false information to my spouses bureau as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Contacted XXXX XXXX concerned about a inquiry on XXXX/XXXX/XXXX, I was told to contact creditor. I contacted creditor who after a 1hr call stated to dispute it because they have no information that pertains to me or the inquiry. I contacted the cb and they told me to file a complaint because they ca n't remove an inquiry unless the creditor sends documents to remove. Which they can not because the creditor has no info for the inquiry

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 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: PA

Complaint narrative:
In  XXXX  of   XXXX  , I lost my previous job. I defaulted on a loan from  XXXX   XXXX . The loan was sold to some company called "  XXXX  ''. I started receiving emails from a debt collector True Accord, who claimed to be collecting for "   XXXX   XXXX   '' as well as letters and phone calls from  XXXX   XXXX   XXXX   XXXX  who claimed to be collecting for "   XXXX   XXXX   ''. Believing "   XXXX   XXXX   '' and "   XXXX   XXXX   '' to be the same company, I waited until I was able to afford payments and made arrangements with True Accord. I have made payments for the last 8 months.     Yesterday, I received a letter from  XXXX   XXXX  claiming that I still owed the full amount ( {$5600.00} ) and asked that I contact the office to make arrangements. I checked my  True Accord a ccount which showed that at this point the balance is {$4800.00}. I called  XXXX   XXXX  who claims they have no record of receiving payments and are the sole debt collector for their client.     Attached is a screenshot o f True Accord 's p ortal showing original amount of loan is {$5600.00} and current balance is {$4800.00} as well as most recent letter from  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Center, LLC
State: NY

Complaint narrative:
I am  XXXX   XXXX   XXXX . This collection agency has put  XXXX   XXXX  and  XXXX  dollar charges into collections under  XXXX  different accounts. The first time I ever checked my credit report, I see  XXXX   XXXX  and  XXXX  dollar charges. I have never received a bill from a medical facility. If at any point I did owe, it would be under my parents. The time that this collection agency got the account I was just  XXXX . In order for anything to go into collections, it had to be delinquent for some time. I could n't have delinquency as a minor. I have never received a bill, a call, email nothing. I am requesting assistance in getting this removed from my credit file and having this company disciplined for erroneously reporting collections on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: NJ

Complaint narrative:
An unauthorized hard-inquiry was placed on my Transunion credit report today by  XXXX   (   XXXX  ) with the address P.O.  XXXX   XXXX ,  XXXX   XXXX , SD  XXXX  which corresponds with  XXXX  's address. I contacted Transunion ( the sole credit reporting agency which provided the hard inquiry to  XXXX  ) and they said I would need to get a letter of deletion from  XXXX  to forward to Transunion which is the only possible way I would be able to get the hard inquiry removed. I then contacted  XXXX  multiple times to ask for the letter of deletion as I did not authorize that hard inquiry and  XXXX  said multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard inquiry. I then contacted Transunion again to let them know what  XXXX  said and Transunion once again said they can not remove the inquiry without a letter of deletion from  XXXX . I am currently stuck with an erroneous hard inquiry negatively effecting my credit report for the next 2 years that I did not authorize due to  XXXX  's unwillingness to provide a letter of deletion although they can not find an application tied to my social security number.  XXXX  's inability to locate any applications tied to my social security number should be even more of a reason for them to provide me with a letter of deletion as it appears  XXXX  pulled a hard inquiry on my credit report without any authorization ( legitimate or illegitimate ) whatsoever from anyone.

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 2017-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: VA

Complaint narrative:
An overdraft fee of {$36.00} charge though the balance showed was in positive. Also bank is charging $  XXXX  monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo is trying to cause problems with accurate transfer frim my savings to checking account. The reason b eing they would not give my  XXXX   year old a seperate acct possibly be a teen account to have her direct deposit checks. I am ok with that but if I transfer money her account to mines Wells Fargo will not pu t the money in my account or they will take money out. The purpose is to confuse our account so I will pay overdraft fees. In my checking alone dealing with debiting my account to pay bill they are using her account last  XXXX  and my account last  XXXX  to confuse the  XXXX . Also my daughter they place overdraft protectuon on my our account without my permission. Giving her a debit card . Wells far go caused my waterbill to not be paid in a timely fashiion. I am  XXXX  and on a fix income which they know for years. Every Adult know this is a serious problem they are being malicious I hope your office take this with respect and stop this matter ASAP. This is another scam to recamp their lost. Since  XXXX   XXXX , 2017-current they have change several of my date of transaction . Wells fargo will not let us see our full account including the cash amount so we will not see our tr anaction nor will they allow us to dispute transaction on line and will not let us see the full site to get our account summary.

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 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX   XXXX   XXXX   serviced my mortgage for one of the government mortgage holders.  Huntington Bank  bought   XXXX   XXXX   XXXX       In a letter dated  X/XX/2017 ,  Huntington Bank    reported to me that my hazard insurance expired. It did not. They demanded I provide evidence I obtained new coverage. On  X/X/2017  at  XXXX  I corrected the mortgage information with  XXXX . They were to provide the evidence directly to  Huntington  at  XXXX . During a phone call on  X/X/2017  at  XXXX  for  XXXX  minutes, that evidence was accepted.     In a letter dated   XXXX  , Huntington Bank informed me that they paid, or schedule to pay, an insurance renewal premium and received another billing notice from a different insurance company.contacted me again with the same request. During a phone conversation on   XXXX   at  XXXX  for  XXXX  minutes, Huntington demanded I provide evidence of hazard insurance for the period   XXXX   to   XXXX  , a prior period. During the same call,  Huntington  rescinded the demand and stated I would receive a letter confirming cancellation of lender provided coverage around   XXXX  . They affirmed I had no other obligations in regards to providing any other evidence.     In a letter dated   XXXX  , Huntington Bank verified receipt of the evidence, but did not verify the period  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX , a prior period. They resumed their demand for evidence of insurance and stated I am responsible for the annual premium of {$910.00} without that evidence. On  XXXX / XXXX / XXXX  at  XXXX , I attempted to call them. They announced they were closed, and I left my loan and phone numbers to have them call me back, as they offered. They did not call back. On  XXXX / XXXX / XXXX  at  XXXX , I attempted to call them again. They announced they were closed, and I left my loan and phone numbers to have them call me back, as they offered. They returned my call at  XXXX , and in that  XXXX  minute call,  XXXX   XXXX  informed me that a policy had been bound already.  XXXX  left a direct fax number.     From the  XXXX  web site, I printed my policy declarations for the period  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX . That evidence, and the  XXXX  letters were faxed from my home phone to  XXXX   XXXX  at  XXXX , but has not been accepted at the time of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Burton Neil & Associates, P.C.
State: PA

Complaint narrative:
In   XXXX   XXXX   XXXX    , I lost my previous job. I defaulted on a loan from  XXXX   XXXX . The loan was sold to some company called "  XXXX  ''. I started receiving emails from a debt collector   XXXX   XXXX  , who claimed to be collecting for "   XXXX   XXXX   '' as well as letters and phone calls from  Burton Neil & Associates who claimed to be collecting for "   XXXX   XXXX   ''. Believin g "   XXXX   XXXX   '' and "   XXXX   XXXX   '' to be the same company, I waited until I was able to afford payments and made arrangements with   XXXX   XXXX  . I have made payments for the last 8 months.     Yesterday, I received a letter from  Burton Neil claiming  that I still owed the full amount ( {$5600.00} ) and asked that I contact the office to make arrangements. I checked my   XXXX   XXXX   account which showed that at this point the balance is {$4800.00}. I call ed Burton Neil who  claims they have no record of receiving payments and are the sole debt collector for their client.     Attached is a screenshot of   XXXX   XXXX   's portal showing original amount of loan is {$5600.00} and current balance is {$4800.00} as well as most recent letter from  Burton Neil.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
XXXX  Transferred Ch.  XXXX  filing originally filed in  XXXX   XXXX  from  XXXX , Ga  (   XXXX  &  XXXX   )  to  XXXX , Fl (   XXXX   XXXX   ) . [ The balance transferred was {$4.00}, 200 ]   XXXX  Received a notice that Mortgage transferred from   XXXX   XXXX   XXXX    t o  Caliber Home Lo ans.      XXXX  Represented by the  XXXX   XXXX   XXXX  who REFUSED  to pr ovide me with a creditor list and amounts. Was told that the bankruptcy process is too complex for me to understand and I must pay what they tell me  ( withou t them providing me with a detailed summary ).      XXXX  Terminated my relationship  XXXX   XXXX  ( approved by  XXXX   XXXX   XXXX .      XXXX  Received detailed claim from the  Trustee  's office. The detailed list reflects Caliber with a total claim of {$77000.0 0} ( {$60000.00}, {$12000.00}, {$4300.00} ).       XXXX  Requested support fro m Caliber   (   XXXX   XXXX   XXXX   XXXX   ) since NO d ocuments were filed to support the {$77000.00} claim.      XXXX  Received a proof of claim in the form of a loan modification document with an as of date of  XXXX / XXXX / XXXX , but, still NOTHING to support the {$77000.00} claim.      XXXX  Court hearing to review creditor claims, focus on this claim fo  XXXX   XXXX   XXXX   XXXX   XXXX    ( Caliber Home Loan ). No document on file to support the {$77000.00} claim. Ordered by    XXXX   XXXX  to obtain support for the claim so that the {$77.00},    XXXX    can either be paid or dismissed for this bankruptcy ( next court date  XXXX   XXXX ,  XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I noticed on my  credit score is low er, even when I do n't have any loans, and I pay all my bills on time. I checked on  XXXX   XXXX  report  XXXX  inquires for  XXXX  credit cards from Citi on  XXXX   XXXX   2016 . I never applied for those credit cards and never received any. I received only some card from  XXXX   XXXX  I never applied to. I was surprised, because I only tried to change my flight. That was my all encounter with   XXXX   - my work handled the flight change.   Best Regards

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 2017-05-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed Equifax proof that my student loans were not 90 days late as they have reported and they have yet to fix their mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Within the past 6 months, Equifax have blocked my credit file from me viewing via online. I literally have to spend  20 minu tes on hold to get transfer from the customer service dept. to the office of consumer affairs dept.  ( legal dept. of Equifax ).  I have spoken to sever al specialist including (   XXXX ,   XXXX   XXXX  , and  XXXX   XXXX  ) excuse me if i misspelled their names. We have spoken over the phone more than  12  times now. I repeating asked why is my file being locked from me viewing. Why I ca n't update my file, my old address is still on the file which the other  XXXX  bureaus already corrected the issue. I believe th e specialist at t his office of consumer affairs is personally attacking me from every corner. It 's not fair i ca n't look at my file like the other  200+million consumer Equifax deal with. on top  of this issue i have another issue with Equifax reporting of my tradelines. I repeated asked if my account could be disputed to update my file, i get denied or stated that i had to file the dispute online when my file is block to view even for disputes. It 's like a run around with  Office of consumer affairs. This is unprofessional, childish, Equifax should be fine for allowing s uch a harmful practices being displayed by these specialists. They treat me like a piece of trash from the dumpster. I am a victim of identity theft and is being treated like this. : ( this is a sad moment for the integrity of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
In  XXXX   XXXX  I look a title loan out on my  XXXX   XXXX   XXXX  from Title  Max  in  XXXX   XXXX , IL.   On  XXXX   XXXX ,  XXXX  I filed for Chapter  XXXX  Bankruptcy. My bankruptcy was discharged on  XXXX   XXXX ,  XXXX . The loan was  discharged through my bankruptcy, however, Title Max has refused to send my ti tle back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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:
I mailed   XXXX   proof that my student loans were not 90 days late as they have reported and they have yet to fix their mistake!

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 2017-05-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an account with Transunion since  XXXX  where I check my credit. There ar e 4  student loan accounts that I co-signed for my son between  XXXX  -  XXXX  that was closed and written off as bad debt between  XXXX  -  XXXX . At that time I had lost my job and my son could not complete his studies. These accounts are suppose to be removed from my credit report in  XXXX   XXXX . About 3 months ago these accounts were duplicated and appear as open. So each account is on my credit report 2 times. I spoke with Transunion and they said an investigation will be done. One month ago I received a report from Transunion and no changes were made.

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 2017-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Genesis Lending
State: DC

Complaint narrative:
I was informed by   XXXX   college that they would be able to secure a job for me after completing their program despite that fact that I had  XXXX . I informed them prior to enrolling, in   XXXX   XXXX  < that I had a   XXXX   and they informed me that would not be an issue. Since completion of the program in   XXXX   XXXX  , I have not been able to secure a job. The original loan provider was Genesis. They were closed down by the government due to misrepresentation. The loan was then transferred to   XXXX   XXXX   XXXX  . I was informed that students who attended between  XXXX  and your loan was fraudulently provided, they were to be forgiven. This has not taken place. The collections department has called repeatedly for payment. I have been paying on the loan since  XXXX . Since the government closed Genesis due to fraud,   XXXX   XXXX   XXXX   should not continue collection.

Company response to consumer: Closed with explanation