vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  and Experian verify their public records. 
I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. 
I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. 
Being that I work for a law firm, I know the court system and their procedures but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. The manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuse to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2020-04-09 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: Texas Guaranteed
State: SC

Complaint narrative:
Trellis company is reporting and trying to collect a debt that is 13 years old. This is a personal student loan issued to Colorado  XXXX College in XX/XX/2007. The XXXX is XX/XX/2007. I called Trellis to discuss the account. I also replied via email to a letter that I received from them in the mail demanding them to cease and desist on the collection and reporting of this account. Per the FCRA the statute of limitations has passed on this account. Trellis has been illegally re-aging this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Early warning service is housing incorrect information on there profile about me, i sent them letters the then respond saying my dispute is not being done and basicly im lying, one of there records i have spoken to the bank directly and they advised me that they advised EWS to remove this since XXXX along with the XXXX. this company lack of support and in corrrect information is causing problems and my next steps will be a civil suit against them if they do not correct this errors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a savings and checking account with Chase Bank. The terms of the account are that my monthly service fee is waived as long as I 1. Maintain {$5000.00} in my checking and savings accounts or 2. Have a monthly direct deposit. I have met these stipulations since XXXX. Due to Covid-19, I have been furloughed from my job in Michigan since XX/XX/XXXX. On the same date I applied for unemployment, and I continue to wait for my application to process. Due to my waiting for my unemployment to process, I am fully relying on my savings to pay my bills and mortgage. Starting this month, Chase is charging me a service fee for not satisfying the above requirements. First charge was on XX/XX/XXXX. I spoke to a representative. They reversed the charge for this month, but will be charging me going forward. This crisis is not my fault, but Chase Bank has no problem capitalizing on that crisis when I am at my most vulnerable. I worry for all other Chase customers who are being charged unnecessary service fees related to the Covid-19 crisis. Please look into service fees banks are charging clients who are not meeting requirements due to the current crisis. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09 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: Solomon and Solomon, P.C.
State: MA

Complaint narrative:
My account with XXXX is with a collection agency Solomon and solomon, on my credit report in XXXX it states account balance XXXX past due amount XXXX. I have made payments in XXXX of XXXX, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/100. The latest report in XXXX states XXXX, how can that be if I made payments and on time. I have tried to call and was on hold for 10minutes, this is before the pandemic.they do not send out any statements and when you go on line there is no account statement, just make a payment. As stated earlier the account XXXX XXXX XXXX XXXX. In my opinion they are not reporting the correct amount and is a reflection on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX my account with Bluebird by American Express was closed due to me allowing my girlfriend to try and deposit her tax refund. This is where all my checks for my job are deposited into. The email i received stated i needed to write a letter to explain the situation and to be able to have the funds released. I wrote a letter the same day and sent it over night to the address i was given. About a week later I received a check for {$140.00}. This amount was my " Available Balance ''. I also had a savings account that was called the " Set Aside '' account. There was a balance of {$4900.00} in the account. I was using this " Set Aside '' account as a savings account. I have not been refunded this money XXXX of yet and have written another letter to Bluebird. The letter was sent on XX/XX/2020. The company has been no hep. the contact number i was given is useless. the reps all tell me the same thing, to write a letter. I am in dire need of this money due to the current crisis. Please help resolve this issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Red Bishop LLC
State: WY

Complaint narrative:
In XXXX I was misinformed and signed up for XXXX XXXX XXXX XXXX XXXX student debt consolidation program. It costs $ XXXXmonth for XXXX to continuously update my information to the federal student aid program. When nothing changed regarding my student loan information, I inquired at XXXX I learned that XXXX was a scam that the gov provided for free. I called XXXX to cancel my " membership '' XXXX of XXXX, where I was informed " If you choose to waive this valuable protection program and all of the benefits available, you may cancel at any time by sending your written request to our office via certified mail, return receipt requested. Please send all requests for cancellation to ... '' To which I did. Billing continued, unbeknownst to me, into XXXX. When I realized auto-pay was continuing, I called XXXX to find out they had not received my letter. I sent another. In XX/XX/XXXX I was looking into my finances, and discovered that I was still being billed. I called again, still no letter received, so I sent a third, as well as called my bank and had that auto pay blocked as a scam. Today, XX/XX/XXXX I received 5 separate phone calls from " XXXX from XXXX XXXX XXXX. '' All from a " restricted '' number, regarding student health information, and asking me to call back at XXXX, but no actual information. I called the number to get a vague menu of options. When I finally answered another call from XXXX I learned that I have a back log of payments from ... XXXX. I can send in another letter, but I need to pay 8 mo because there's no record of my letter of cancellation. Asked for the address once more, this time I XXXX it. The business address is for " XXXX XXXX XXXX '' in XXXX FL. Amid the search for the company, I found this as an option. I have attached a pdf showing emails showing the auto-pay receipts. There are several gaps in payment, each beginning with a date that I cancelled my account. You can also note the reply to email in the body of the receipt changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Without requesting an account review Navient sent me a letter on XX/XX/XXXX stating " During a recent review of your account, we found that your repayment schedule was shorter than it should be. '' I have been paying this loan for 13 years. Now, 74 months away from finishing I am informed, " weve extended your repayment terms, meaning youll have more time to pay and your Monthly Payment Amount may be lower. '' Decreasing my monthly payment by almost {$500.00} while increasing the interest they will be receiving by approximately 350 % and keeping me in debt for an additional 150 months! 

Upon calling the company the representative stated she was willing to increase my monthly payment back to the original amount ; she failed to understand that's not why I was calling. She stated the original promissory note ( from XXXX ) was not reflected in the repayment plan and I should refer to the original promissory note for confirmation. Well, I don't have a 13 year old document handy and she could not provide it. If she couldn't provide it where was the information coming from when my account was " reviewed ''? 

I believe this is another example of deceitful business practices by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I recently refinanced my mortgage to XXXX XXXX. My old mortgage was being serviced by XXXX XXXX XXXX subserving my XXXX XXXX. While refinancing they rejected XXXX XXXX 's payment to close out the loan because I had a shortage of {$630.00} in my escrow account. Loancare failed to notify me of this issue and continued charging my interest daily and charged a new PMI payment. Now we are 10 days after closing and over {$300.00} additional is due to close out the loan. They have refused to waive the interest and PMI payment and told me there is nothing they can do. I find this deceptive and way for them to collect a measly XXXX extra dollars.

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 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: NY

Complaint narrative:
This bank is crazy unbelievable I hate them the way they are to me is horrible they should be out of business everything sucks when I apply for their credit card more than once they decline me send me a letter with only one reason which doesnt make sense when I call to go over this reason they either dont answer or dont want to speak with me Ive waited over 90 days to reapply because thats how bad I want the credit card rewards with them but they turn me down and I dont feel this is fair their credit department treats me awful I feel discriminated

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 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Last year XXXX early XXXX for the XXXX tax season ) I sat down to complete my tax return for my tax attorney to process. I found that USAA Federal Savings Bank had turned off my credit card paper statements which had been being delivered to my home here in FL. Angry, I called and complained to customer service, who stated they did not do this. Obviously, because I was angry, they did. 
Today, I sit down to compile my XXXX tax documents and find USAA has done the same thing. I only have half of my XXXX USAA VISA credit card statements, ending in XXXX of XXXX. Again, angry, I called USAA who tells me over the phone that they were " defaulted '' to online delivery without my consent. However, the same operator told me that I have to acknowledge consent to do this, which I've obviously not done. The operator was usless and I hung up only to call back and speak with a " conflict resolution team '' member/supervisor ( Supervisors rarely are provided upon your request when you ask for them. You are relegated to a XXXX member with similar capability as the operator ) After long periods of hold, XXXX, tells me that I initiated this change in XXXX of XXXX, which is not the case. I again, adamantly, requested that USAA stop turning off my credit card paper statements that are delivered to my home ... and again XXXX tells me I did this, which is not true. USAA either initiated this or their programming is set to save them millions of dollars in paper statement costs by subverting the users attempts to selectively choose what he or she would like delivered via mail or online. As a result of this happening for the second year with little to no concern from USAA that I don't have the proper documents in hand to complete my tax return analysis, I have turned on ALL paperwork from USAA to home paper delivery. 
USAA is turning off my statements, against my request, without my authorization, for the second year running. They leave me no option but to file an oversight complaint on their actions .... again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. Called back at XXXX and was met with an automated service. Hung up and wrote letter to Optimum Outcomes requesting written verification of the supposed debt. 

XX/XX/XXXX - Mailed letter to Optimum Outcomes. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

I have never received anything in writing from Optimum Outcomes, including any itemized bills. I also asked for written verification almost three weeks ago and have not received a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: CO

Complaint narrative:
XXXX  has failed to correct an egregious error on my credit report for over one year. I have filed FIVE total requests to dispute and re-investigate and have submitted evidence that both my hard copy credit report they've recently sent as of XX/XX/XXXX, is also incorrect. 

There is a " new late payment '' now showing up on my credit report for a debt settled with XXXX XXXX one year ago. 

Experian has violated my rights under the Fair Credit Reporting Act. 

The Debt was with XXXX XXXX for the amount of {$2900.00}, paid in settlement and has a zero balance as of XX/XX/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 2020-04-10 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: CA

Complaint narrative:
I was told that it was a soft pull does not affect my credit in any way and they run it multiple times over and over in 2-3 week periods and racked up tons of inquires hurting my credit and costing my lost of time and money trying to resolve this.

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 2020-04-10 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: CA

Complaint narrative:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE OVER THREE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUES UNDER THE FCRA. 
I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX. I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM. SPECIALIZES IN FCRA VIOLATIONS

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was told that it was a soft pull does not affect my credit in any way and they run it multiple times over and over in 2-3 week periods and racked up tons of inquires hurting my credit and costing my lost of time and money trying to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was told that it was a soft pull does not affect my credit in any way and they run it multiple times over and over in 2-3 week periods and racked up tons of inquires hurting my credit and costing my lost of time and money trying to resolve this.

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