vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX , while checking my   XXXX   XXXX    Credit report  I discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.

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 2017-07-17 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: ME

Complaint narrative:
I noticed a few weeks ago that I had a collection account from   XXXX   XXXX   on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in  XXXX  of  2014 . I disputed the information and they agreed to remove it. They removed it from   XXXX   and  XXXX  but not equifax. So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: Diversified Consultants, Inc.
State: ME

Complaint narrative:
I noticed a few weeks ago that I had a collection account from   XXXX   XXXX   on my credit report. I did an online chat to try to see where this stemmed from. The rep could not find any balances I owed, I called in and spoke with another rep who had the same findings. A few days later a woman contacted me saying they found that I never returned equipment and had an outstanding bill. I did return the equipment and closed down the account back in  XXXX  of  2014 . I disputed the information and they agreed to remove it. They removed it from   XXXX   and  XXXX  but not  XXXX . So I called back in and discovered its because they never notified the collection agency and now they are refusing to contact the collection agency and are stating the debt is valid. Doing research online and they have a history of doing this to consumers.They have not provided proof that this account and balance is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I 've learned while I was under wage earner, my identity have been stolen and is being abused. My personal information have been stolen. Drivers license, social security card. My date of birth changed with all   XXXX   credit agencies, my former employers have been changed from   XX/XX/XXXX - XX/XX/XXXX . All  of my former addresses have been changed.
While under  wage earner t he bank changed to Sun trust Bank. I never had a loan with sun trust. My payments were payroll deducted by my former employer   XXXX   XXXX   XXXX   XXXX  . I 've learned it is an inside job, the theft of my identity.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX  . I filed a   XXXX   XXXX   law sue in   XX/XX/XXXX . The family began preparing my death without my knowledge. In  XX/XX/XXXX  I was gi ven a   XXXX   XXXX   of   XXXX   XXXX   in the doctors office. I was flown to  XXXX  by a private jet. Both parties expected for me to pass away. They were told by the doctor if I do n't have a   XXXX   XXXX   I would n't survive.   XXXX   XXXX   amended & restated all of my tax returns and made themselves my conservator. They took my home in   XX/XX/XXXX   by selling the first mortgage on my home. The family refinanced my 2nd mortgage and took my home while I was under  wage earner. I am  reporting to all of my creditors. The case number was   XXXX  . I was discharged on   XX/XX/XXXX   with   XXXX   XXXX  . My social security number is  XXXX . My credit report do n't show the last four digits Of The loan/account number. This is the reason I included my social security number. My drivers license number is  XXXX . I 've reported the theft of my drivers license to the department of motor vechile in the state on Tennessee. Nothing has been done. I 've changed my last name to my maiden name, which is  XXXX . I kept my married name to prevent losing history. My parents are deceased, my father   XXXX   XXXX   XXXX   passed away in   XX/XX/XXXX .  His social security number is still being used by the     XXXX   Family  . My mother name us   XXXX   XXXX   XXXX   she passed away in   XX/XX/XXXX .  The FBI told me it 's an inside job.

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 2017-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XX/XX/XXXX  Dear Gentle Person, Hope you are well. Here is the credit card violation by Sychrony Bank credit supplier of Walmart : 1. I bought a TV in   XXXX    on an interest free for a year program ' 2. I paid extra each month almost to pay off before time period 3. 18 months later they charged me {$360.00} in interest & said it was for TV 4.On  XX/XX/XXXX  I got customer service & had to ask for Service Manager 5. I got  XXXX  at ext  XXXX  6. She told me I had to ask the money to be allocated for TV each month I stated no one stated such a thing or provided a document stating such a thing at Walmart or Sams 7. She stated thats their job not the banks 8. I stated that 's not correct you are the credit provider it must according to consumer law be done at the time of purchase disclosed all terms in writing & this was not done & is not being done at all 9. She then checked my account & stated she would allocate the extra money I paid & pay for TV I should see the refund by Thursday  XX/XX/XXXX  10. I did not see it 11. I called again after 25 min on the phone they stated it was being worked This is the big picture neither Walmart the seller or Sychrony bank is telling the buyers they have to call & allocate the funds specifically the item they are buying on the interest free program & thousands of Walmart customers or Sam 's do not knowing & are getting stuck with huge interest bills after paying extra to pay an item off.
<P/>
Thousands of consumers are getting hoodwinked by not getting told verbally or in writing this important fact. False advertising & consumer fraud it appears is going on here.
<P/>
Thank You   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 monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On   XXXX    XXXX , 2017 about   XXXX   XXXX  . I went to deposit cash in the PNC ATM ( they do not use envelopes for cash deposits ). I deposit {$65.00}, it kept spitting out a {$20.00} bill, and It ate it and said to contact financial institution, no recept for the deposit of {$20.00}. This is the 2nd time this has happened in approx 3 weeks!!!!!!!!!!! Last time it was at a different atm.
This was at   XXXX   XXXX   XXXX  , in  XXXX , PA.
I called PNC, they FLAT OUT REFUSED TO CREDIT MY ACCOUNT OF {$20.00}!!
I SAID I HAVE OUTSTANDING CHECKS OUT, AND THEY CAN BOUNCE. THEY ABSOLUTELY REFUSED TO EMAIL ME IN WRITING THAT IF A CHECK COMES THROUGH AND BOUNCES THAT THEY WILL NOT CHARGE ME A FEE. HOW CAN NOT EMAIL ME THAT STATEMENT IN WRITING?????????????????
i AM GOING TO LOOK INTO A LAW SUIT FOR THIS ONE, THIS IS SERIOUS!
yOU CAN NOT TRUST THEIR ATMS TO DEPOSIT CASH AT ALL. THEY USED TO HAVE ENVELOPES IN WHICH YOU WROTE YOUR NAME AND ACCOUNT NUMBER ALONG WITH THE DEPOSIT AMOUNT, THIS ABSOLUTELY CAN NOT CONTINUE.
THEY SHOUD BE SEVERLY FINED FOR THIS TOTAL NEGLIGENCE. THEY NEED TO HAVE ATMS THAT TAKE ENVELOPES FOR CASH DEPOSIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient keeps harassing me everyday. Calling m e 30 tim es a day every day, from different numbers. They keep violating my right under the law. This has caused emotional trauma for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: MA

Complaint narrative:
This company is imposing an apr way over the legal limit The cap is 36 % and they are imposing an over 700 % apr on our loan Making it impossible to get paid gave us a   XXXX   dollar lone witch exceeds that cap Wanted to find out if they were really licensed but i could not obtain the information?
Hoping you could help me out with that info?
If the company is not legal then i want my account closed and their operation investigated This is the first action I 've taken on this please advise Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am filing this complaint because Capio Partner LLC has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC
State: FL

Complaint narrative:
I am filing this complaint because CKS Financial has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On  XX/XX/XXXX    XXXX   XXXX   XXXX   through   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   AZ   XXXX    reported a delinquent account of {$3400.00} on Equifax site in my name. I did not purchase any item, contracted any loan or services from  XXXX  that resulted in delinquency. Neither do I contracted any private loan, mortgage loan, credit card debt or any kind of contractual agreement that involve any monetary value or the said claimed amount. My employment contract with  XXXX  does not include any agreement or clause that states that I will be charge with such amount whenever my contract is terminated or ends with   XXXX   XXXX  . A copy of my contractual obligation with   XXXX   will be attached for your review. I Remembered that I was employed by   XXXX   on  XX/XX/XXXX  as an   XXXX   XXXX   until  XX/XX/XXXX  when my contract with them came to an end. I handed over the files of all completed and pending sales, almost  XXXX  customers, and  XXXX  pending sales to   XXXX   XXXX   who was my immediate supervisor, as per company policies. Since I left  XXXX , I have never in any form sold any policy to any person as a replacement from the policies that I have written when I was employed by  XXXX . When I became aware of this information on my credit report, I reported to Equifax about the inaccuracy of the report. I also contacted  XXXX  to provide me with information about any account in my name with explanation of how I owed such amount and have since never been provided with such information. Moreover,  XXXX  have never contacted me about any debt after I have separated from them.Reference complaint number  XXXX , you referred equifax to investigate my complaint. Equifax rather corroborated with  XXXX  through   XXXX   XXXX   XXXX   XXXX   XXXX  , and added {$1.00} to the original amount of {$3400.00} to make it {$3400.00} and reported it again in my credit report on equifax official site. Now they have   XXXX   accounts in my name reported on my credit report from   XXXX   XXXX    through   XXXX   XXXX   XXXX   XXXX   XXXX   after the CFPB have referred Equifax to investigate my first complaint.  XXXX  of the account is reported as {$3400.00} and the other reported as {$3400.00} all from  XXXX  through   XXXX   XXXX   XXXX   XXXX   XXXX  , This illegal behavior of Equifax, indicates that they are in corroboration with   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   to damage and destroy my credit worthiness and to prevent me from pursuing any career opportunities. Equifax behavior also showed gross amount of disrespect for the Consumer Financial Protection Bureau ( CFPB ) .I want all of this inaccurate information remove from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
I have been in foreclosure procedeing since  XXXX  including   XXXX    court cases, last  XXXX  mortgage lender ask for dismissal without prejudice. After dismissal lender sells off mortgage and new owner files with same evidence and later dismisses. I tried to make payment with cash to  XXXX  which refused to accept payments covering my P & I plus escrow.
<P/>
  XXXX   XXXX  ,  XXXX  OH court cases as follows :  XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   VS   XXXX   XXXX     XXXX   XXXX   XXXX   VS   XXXX    Current attorney for new lender is   XXXX   XXXX  , LSR #  XXXX , (  XXXX  )  XXXX .
I called current lender and they redirected me to above listed attorney.
I contacted  XXXX  on  XX/XX/XXXX  to discuss options for my home on   XXXX   XXXX   XXXX   ,  XXXX , OH   XXXX   in which I occupy.
<P/>
I since followed up with several emails to   XXXX   ( last 2 emails ) XX/XX/XXXX , &  XX/XX/XXXX  which are still are yet answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Another name is listed on my credit report. There is also a chase account that states it is overdue, but it belongs to this other person on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On  XX/XX/XXXX , I received a statement from   XXXX   XXXX   XXXX   ( Contract # :  XXXX  ) stating they transferred {$87000.00} to a Chase Account in my name. This transfer was never authorized by me.
I went to a Chase branch in  XXXX , NY, on  XX/XX/XXXX . There I reported this fraud to   XXXX   XXXX  , a chase representative. He told me a Chase account ending in   XXXX    was opened at a different branch by someone claiming to be me. He did so without a social security number and some falsified identification.
Once the money was transferred into the bogus Chase account, it was then wired to a   XXXX   XXXX   account ( which I do not have ).
<P/>
I have also reported the theft to the   XXXX   County police department ( case # : XXXX  ). I spoke with Detective  XXXX , who told me he must have had the wrong number so he could n't contact me.
<P/>
I have contacted   XXXX   XXXX   since then, who told me to contact the Fraud department, which I did on  XX/XX/XXXX . I was told it was in their investigative department. They also asked me to fill out more forms, which I did.
I still have no answer from them on this. Considering I have several Chase Accounts, there was no cross checking done when this bogus account was opened.I was told also the person who opened this account was much younger than someone like myself who was born in  XXXX . I do n't feel that Chase did their due diligence, and I am due a refund of all moneys immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: AL

Complaint narrative:
On  XXXX   XXXX , 2017 -- Reliant Capital Solutions wrote a letter to my address claiming that I owe them {$550.00}. I have not spoken with anyone with this company and this is the only communication that I have had with this company.
<P/>
I wrote a letter for them to validate the debt that they claim I owe. My letter is dated for   XXXX   the  XXXX , 2017. I know that I am well within my 30 pay period to dispute the debt. I have yet to see any form of communication in reference to this debt.
<P/>
Reliant Capital Solutions has already reported this debt to all   XXXX   credit bureaus. According to the FCRA, Reliant Capital Solutions is in violations as they are supposed to respond to my request to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 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: MA

Complaint narrative:
Another name is listed on my credit report. There is also a  XXXX  account that states it is overdue, but it belongs to this other person on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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:
Another name is listed on my credit report. There is also a  XXXX  account that states it is overdue, but it belongs to this other person on 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 2017-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have never opened/or knew about this credit card or I did not make a purchase of {$3300.00}.

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 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BTH Management
State: OH

Complaint narrative:
I have a a unverified account from PLAZA SERVIC. I had previously disputed this account. I have never done business with PLAZA SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PLAZA SERVICProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Opened an account. Deposited a check for {$9000.00}. They said I could not withdraw funds until after 7 business days. After 7 days, discovered they have closed my account, taken the money out and stated that they can hold my money indefinitely while trying to contact the person whom wrote the check to me. This man is a  XXXX    XXXX   XXXX   XXXX   and   XXXX    that is about  XXXX  years old. I talk to him all the time but they claim they can not contact him. As far as I am concerned they have stolen my money, because it has been more than a month now, and I assume they do this to collect interest on money held this way by thousands.

Company response to consumer: Closed with explanation