vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
My mortgage was recently bought by Specialized Loan Servicing LLC. To pay my mortgage I can choose to pay by phone, online, or send a check. Unfortunately, with all those methods you need an account number. I was never sent an account number in time to make my payment on the first of the month. AND their entire website is down. I've tried it on multiple devices and connections .AND it is after-hours for the phone system.

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 2019-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery collection agency was filed on my report on XX/XX/2017 The amount that this company is saying that I owe is a total of {$360.00}. I do not have a contract with their company, and I requested copies of the contract where it states that I should pay this amount. Portfolio Recovery was not able to give any validation just a copy of a bill that I was not responsible for. I am asking that they remove any collection amount from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent dispute letters for the inaccurate account s to be removed from my credit report on XX/XX/2019, XX/XX/2019, and XX/XX/2019. However they never sent me documents to show me how they verified the accounts per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and the have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX says for 2 years I owe them {$300.00}. I have paid my actual usage, plus 2 mos.  Of double payments of {$60.00} when I had a minor issues with outside hose pipe minimal use. I have asked them multiple times to correct. They send it late or not at all, sometimes without my name or acct hidden in watermark. I have been blocked by the fa consumer division. For the record of predatory harrassment and unsolicited debt collection illegal practice and accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I signed up for an Income-Driven Repayment Program in XXXX, 2017. I was able to keep those payments current until I was forced to take a XXXX  XXXX from my job. When I contacted Navient to report that I would be unable to make my payments, I discovered that my payments actually increased ( which I was never told ) and they gave me no other options that could help my situation. 

I have repeatedly reported to Navient that I have XXXX  XXXX XXXX XXXX XXXX and am struggling physically, emotionally and financially. Meanwhile, they continue to harass me. I was just given an ultimatum that I needed to pay {$6300.00} by this past Friday or I would be facing legal consequences. All the while I keep repeating to them that I just don't have the funds. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Everythingelseiskeepmefromgettinganythingidon'thavenocarortruckornothingevertimeItrytobettermyselfbecauseIreallyreallyreallyneedsomecreditstartedhowcanIwhenIkeepgettingdeniedoneverything??allthebankandfinancialcompanyandcardealershiptelluntruefultellnooneouttherewantedworkwithmebecauseiamonXXXX.XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: CT

Complaint narrative:
I was victim of identity theft and filed a dispute with 3 companies and hard credit inquiry that didnt come off my report and XXXX credit card in my name as well. they didnt remove anything from my 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 2019-07-01 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: CT

Complaint narrative:
I was victim of identity theft and filed a dispute with 3 companies and hard credit inquiry that didnt come off my report and XXXX credit card in my name as well. they didnt remove anything from my 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 non-monetary relief
Consumer complaint received 2019-07-01 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: CT

Complaint narrative:
i called all the 3 credit beauros and tried to remove credit inquires that were made using my identity. i have been a victim of fraude and sent them police reports and they never removed the credit inquires and 1 of  my accounts on XXXX for a car loan.

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 2019-07-01 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: PERSIAN ACCEPTANCE CORP
State: CT

Complaint narrative:
i called all the 3 credit beauros and tried to remove credit inquires that were made using my identity. i have been a victim of fraude and sent them police reports and they never removed the credit inquires and 1 of my accounts on XXXX for a car loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 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: CT

Complaint narrative:
I was victim of identity theft and filed a dispute with 3 companies and hard credit inquiry that didnt come off my report and XXXX credit card in my name as well. they didnt remove anything from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I attempted to deposit two checks through SunTrust 's mobile deposit on their app on XX/XX/19. I was immediately notified of a hold being placed on one check, a personal check. For the second check, a cashier 's check, I received an email saying it would process on that same date, XX/XX/19. My account was frozen the next day and with no notice to me. I called them the following day, XX/XX/19, to inquire why I could not access my account and they told me it was under review and that they could not disclose any other information but I should get a letter in the mail. The next letter I got in the mail was in reference to the two checks and it told me those funds were both subject to hold but would be available on XX/XX/19. On XX/XX/19 I called again to find out the status of my account and was told it was still under review. I spoke with someone on XX/XX/19 who informed me my account was closed and they had mailed a check with my balance and that balance did not include the two checks that I had attempted to deposit through mobile deposit. I was told those checks were still on hold because of suspected fraud and they did not have a time those funds would be released but it could be months later. I asked them to attempt to get a better idea of how long it would take and she said she would try to pass that request along. I called again on XX/XX/19 to see if there was an update on my two checks and there was not. Also this supervisor told me this could take up to a year to resolve and once this had been passed on to the fraud department it did not have to be within the 9 days laid out by the Expedited Funds Availability Act. These two checks are under {$1000.00} each and it has been 17 business days since my attempted deposit and 11 business days after they said the funds would be available.

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 2019-07-01 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: FL

Complaint narrative:
In violation of FCRA, XXXX, XXXX, and Equifax ALL reporting AND supplying inquiries over 2 yrs old thereby giving creditors false and misleading data causing financial harm to me and causing me to get turned down trying to purchase automobiles and other credit products. 
THIS HAS been reported several times before and they lied and said data was removed yet it is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
I paid the debt in full and want it taken off of all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: GA

Complaint narrative:
I want Experian to correctly report my credit information and stop trying to twist my arm into buying into their app services by reporting problems that dont exist and failing to update my XXXX XXXX, XXXX, and Experian reporting, and reporting illegitimate fico scoring that doesnt apply to my current credit status.

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 2019-07-01 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: FL

Complaint narrative:
In violation of FCRA, TransUnion, XXXX, and XXXX ALL reporting AND supplying inquiries over 2 yrs old thereby giving creditors false and misleading data causing financial harm to me and causing me to get turned down trying to purchase automobiles and other credit products. 
THIS HAS been reported several times before and they lied and said data was removed yet it is still being reported.

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 2019-07-01 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: U.S. BANCORP
State: IL

Complaint narrative:
- In XX/XX/XXXX, when I checked my U.S Bank Credit Card, my credit line was decreased to the lowest amount. I called them as soon as I realized and they said I had some debt that I need to pay for the car I bought which I have no idea what they were saying because I did not purchase a car or anything. I received some mails regarding car payments and I threw them away because I thought those were spam or junk mails. I believe this is a fraud by someone who stole my information.

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 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Requested HIPPA consent and proof I owe a debt. All that was sent to me was a statement with no signature or consent form by HIPPA to release my private information to a debt collector. Also, I see medical charges charged that do not belong to me based on their medical coding from the original Creditor. I clearly requested a HIPPA consent and proof I owe the debt. All evidence is attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: FL

Complaint narrative:
idtheftvictim.Ineedtheseitemsremoved.fraudXXXXXXXXXXXXXXXXXXXXchapterXXXXbankruptcy

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 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Received an email from paypal. email address XXXX. They said " XXXX XXXX sent you a payment request. '' XXXX XXXX  payment request details : transaction No. XXXX dtd XX/XX/2019 amt requested {$290.00} USA pay now. _ I did not click the pay now in blue background button because I do not have a paypal account. The bottom of the email said " Emails from paypal will always contain your full name.To learn more please go to the paypal website and click security at bottom of page. Please don't rely on this email to get in touch with us. Click Help & Contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: NV

Complaint narrative:
I have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap.. XXXX XXXX XXXX ( Original Creditor : 10 XXXX ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX UNIVERSITY TUITION 2 ) 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 2019-07-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I bank with Chase, all my bank accounts are with them and Chase reported a late payment to my credit, this was a mistake. 

This all started when my car got broken into and my purse was stolen from my car, the thieves used my credit cards and checks to commit fraud, Chase closed and re issued my bank account and credit cards, before this happened my accounts were all set up on automatic payment and my bank statements were set up paperless, after chase reported a late payment to my credit I found out that they reissued new accounts but never linked the services properly as I had before the robbery. One of my credit cards got a charge from XXXX  of {$30.00}, since I was under the impression that I had automatic payment I just trusted that the balance would be paid, this did not happen. After the balance was past due over 30 days, chase contacted me to tell me I owed a balance, I paid immediately, they still reported the late payment to my credit. 

I contacted Chase 's credit reporting department, they read all the notes of the robbery, they even saw that notifications of my monthly statements were not even coming into my email as their system shows that emails are being rejected by the server for some reason, I showed them that I paid on immediately when I was notified, they saw the balance on my personal checking account and business checking account, still, this was not enough for them to remove the late payment report. 

I am in the process of refinancing my home, my credit dropped by 40 points because of Chase 's negligence and this is affecting me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/2018 a account at Bank of America was opened by me with a {$25.00} deposit. Wasnt able to access account after they closed it and kept the remaining funds in the account

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 2019-07-01 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: FL

Complaint narrative:
id theft victim. please remove these accounts due to fraud 1 ) XXXX XXXX XXXX XX/XX/2018 {$390.00} 2 ) XXXX XXXX  XXXX XXXX credit closed XXXX XXXX balance {$1800.00} 3 ) dept of ed/XXXX   {$36000.00} 4 ) Dept of ed/XXXX {$36000.00} 5 ) XXXX {$4600.00} 6 ) XXXX XXXX XXXX   {$3700.00} 7 ) XXXX XXXX XXXX {$3700.00} 8 ) XXXX XXXX {$3600.00} 9 ) 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 2019-07-01 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: FL

Complaint narrative:
id theft victim. please remove these accounts due to fraud 1 ) XXXX XXXX XXXX XX/XX/2018 {$390.00} 2 ) XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX balance {$1800.00} 3 ) dept of ed/XXXX {$36000.00} 4 ) Dept of ed/XXXX  {$36000.00} 5 ) XXXX/XXXX  {$4600.00} 6 ) XXXX  XXXX XXXX {$3700.00} 7 ) XXXX XXXX XXXX   {$3700.00} 8 ) XXXX XXXX {$3600.00} 9 ) 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 non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have a credit card debt with XXXX. Im not sure the date on that but its been a couple years. XXXX I believe. They call from different numbers every day. I call back and tell them to leave me alone when I have the money I will pay them. I have tired this, I have tried to actually pay them and they try to take more then what I owe. They call all the time and leave threatening voicemails from different numbers telling me that they are taking me to court that if I dont give them the money I will have legal action taken against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I bought concert tickets and was scammed for XXXX dollars. The person I was buying from never sent me the tickets. I transferred him the money through 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 2019-07-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SIMM Associates, Inc.
State: AK

Complaint narrative:
XXXX XXXX keeps calling after I have asked her to stop. I told her to only call a certain number & then to stop calling all together. She has been calling without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: NV

Complaint narrative:
Credit Bureaus report this account XXXX XXXX XXXX twice..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. They also did not give me an explanation as to why they have to report it twice.. CFPB please step up and fix this ASAP..

Company response to consumer: Closed with non-monetary relief