vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XXXX, I have been disputing XXXX bank over the validity of a XXXX account on my credit report. The account, along with several others, from XXXX bank, was fraudulently opened between XX/XX/XXXX and XX/XX/XXXX. The XXXX card was opened XX/XX/XXXX according to my credit report. It was not until XXXX that I discovered these accounts while trying to obtain credit. I later found that two accounts were opened for XXXX through XXXX bank. After disputing and sending police report, one of the accounts was removed. The other XXXX account was not and I had to do a settlement XXXX in order to obtain my home loan. I was informed that the trade line would be removed just like the first XXXX account. It has not. Since then, I have submitted numerous disputes to no avail. I spoke to several representatives today for both XXXX and XXXX XXXX ( as they acquired some XXXX accounts in XXXX ). When speaking to supervisors for both, they both inform that they do not have record of the account and to call the other. I have been going in circles for month with the Credit Bureaus as they tell me that someone is " blocking '' the dispute but both companies say that they do not have it. They both state that they have no record when looking up the account using my social, birthdate or account number and that they can not do a dispute with the credit bureau on my behalf because they do not see any account for XXXX for me. I am also having the same issue with my XXXX account, yet they still somehow show verified. When I initially did the police report, I only reported two accounts from XXXX and throughout the year became aware of more as the year went on. They utilized the police report for other accounts, including the second XXXX account, as they found it suspicious that many of the accounts were opened on the same day and/or within a short time period from each other. These accounts are hurting my score and everytime I dispute they seem to hurt my score even more as they report it as if it is a new debt. At this point, I have become increasingly frustrated as I am already dealing with financial issues surrounding COVID and to have both companies telling me they can not help in this matter does not make it better. I have even paid these accounts that were fraudulently obtained in the first place and I still can not get any resolution.

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 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America continues to report that I have a delinquent account with an outstanding balance on a closed account. I never received a bill and it was sent to collections even though I made payments in XXXX and XXXX. I spoke with the company via phone during both years and it now still appears as a derogatory account on my account and no one has helped me. I have disputed the companies claims because they sent me to collections and refused to hear my plea during going through a divorce.

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 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I recently reviewed a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ARS Account Resolution # XXXX, # XXXX, XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges. 2. Provide a copy of my signature with the provider of service to release my medical Information to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
COLLECTOR ONCE AGAIN IS COLLECTING A FRAUDULENT CREDIT CARD DEBT AND KEEP CALLING MY FAMILY MEMNBERS 31 CALLS TO CELL.ALSO HAVE STARTED CLASS ACTION EFFORT FOR DODD FRANK ACT INFRACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: NJ

Complaint narrative:
To whom it may concern was looking at my credit report and recently noticed something that is in there that is 100 % inaccurate and not mine. XXXX XXXX is saying something abuot some collections from XXXX XXXX XXXX XXXX which i have no knowledge of and was never authorized by me. No one has ever contacted me and i never owed XXXX XXXX XXXX XXXX any money any time i dealt with them in my life. To the best of my knowledge this is fraud because i never signed anything with XXXX  XXXX XXXX for XXXX dollars. I did not authorize this. I tried to call them and got no straight answers. The collections company said you and XXXX XXXX XXXX XXXX couldn't give a direct answer they weren't sure. I asked them to remove from my credit file and they said they couldn't. Thats why I am coming here since you guys are fair and I am within my rights to fight against inaccurate information due to the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: NJ

Complaint narrative:
To whom it may concern was looking at my credit report and recently noticed something that is in there that is 100 % inaccurate and not mine. XXXX XXXX is saying something abuot some collections from XXXX XXXX XXXX XXXX  which i have no knowledge of and was never authorized by me. No one has ever contacted me and i never owed XXXX XXXX XXXX XXXX any money any time i dealt with them in my life. To the best of my knowledge this is fraud because i never signed anything with XXXX XXXX XXXX for XXXX dollars. I did not authorize this. I tried to call them and got no straight answers. The collections company said you and XXXX XXXX XXXX XXXX couldn't give a direct answer they weren't sure. I asked them to remove from my credit file and they said they couldn't. Thats why I am coming here since you guys are fair and I am within my rights to fight against inaccurate information due to the fair credit reporting act.

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 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Friday XX/XX/2020 I electronically deposited my payroll check of {$540.00} and a birthday check of {$30.00} through my Chase bank app. Both checks were then voided, I got approval for the funds. On XX/XX/2020 I received an alert from chase showing a withdrawal for {$540.00} under Memo. In a panic I called chase to see what it was. After hours of waiting I was Informed that my payroll check had been deposited twice. Not knowing what they were talking about I asked how that was possible only to be told it had been reviewed. The Chase representative said that the second depositor had rights to my money and there was nothing that could be done. I was dumbfounded by what he said. After getting no help I went to my parents who are my employer. They wrote my check as they do every week. We went to their bank XXXX XX/XX/XXXX to investigate. XXXX pulled up their account history and the check history. My check cleared one time on XX/XX/2020 and they printed out the check image showing ( for deposit only JPMC ) endorsed by myself. There was no other history or documentation of the check being deposited twice or ran twice. The branch manager then got on the phone with me to call Chase. We were on the phone for six hours, only to be told that I had to go to a chase branch to get any information. The following day I went to my chase brach. A representative and the manager provided me with the exact same picture that XXXX provided me with. It said clear as day ( for deposit only JPMC ) endorsed to me. The chase branch had no record of what the representatives on the Chase line said about a second deposit. I gave chase everything that XXXX gave me. A copy of my parents account showing the check clearing on XX/XX/2020. A copy of both checks that I had in hand with me. A signed copy of the check being cleared to me by XXXX. Multiple fraud reports were filed. 
Not once during their investigation was I contacted or informed about anything. The money was taken from my account with out warning. I have lost multiple days at work doing Chases job. The last communication Ive had with the Chase branch, they filed a report with their escalations department. The representative with the escalation department closed my case without talking to me stating in a email it was resolved. My case with Chase is not resolved, I still have not received any evidence or documentation of their findings. Im going to fight this until my money is returned to me. 
I have all of the pictures and would be happy to send them when contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I am wanting to figure out why the credit reports are not showing that my loan is up to date and in good standing. I recently have brought my account out of default and in good standing and was told that the new provider NELNET would report to the bureaus at the end of the month. I am still waiting for the reports to reflect a loan in good standing. I would like to have this looked into as I am working to get my credit reports strengthened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I applied for the student loan forgiveness due to the school I went to was not accredited and I was not able to obtain a job.This school also closed down I was not able to obtain my transcripts so I can go to school again.I reached out to the they told me to teach out to the Department of Education so I did.The department of education told me to reach out to them they can help me with this issue.I was advised today by Navient I have to reach out to the department of education again.Why should I pay for a loan for a school that was not accredited and I'm not even able to get my transcripts because the school closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2021 I received an alert from XXXX XXXX that my date of birth was changed in my Bank of America accounts. I called Bank of America and they said it wasnt possible. I told them to check anyway and sure enough my date of birth had been changed. They said they did not know how that happened.

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 2021-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
I sent in my IBR annual recertification application with Navient several months ago. A couple of months ago I got a call saying my loan was overdue, because it turns out they had not processed my application. Eventually, after talking to multiple Navient representatives on the phone and hearing several excuses as to why my application had not yet been approved, I had someone tell me that my application had been denied because it lacked a signature, but upon reviewing my application admitted my signature was there, apologized for their error and assured me that my application would be approved, as I had all the necessary documentation I needed. 

Navient still has not approved and is seeming to refuse to process my application. Their delay is increasing my student loan amount and having other nontrivial financial impacts. I do not know how it is ethical or legal for this company to engage in lending practices that involve delaying processing, either through bad faith or incompetence, to increase their profit and harm customers. Again, it has been many months and they are still not acting after repeated requests. 

This is not the first year this has happened. This seems to be a regular Navient business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I will reference your Administrative Proceeding File No. XXXX In The Matter Of : Fay Servicing , LLC. 

-ILLEGAL PRACTICES AND NON-COMPLIANCE WITH MORTGAGE SERVICING RULES. 


Fay Servicing LLC is who this mortgage got sold to by XXXX XXXX and they are pulling the same XXXX again that they were prosecuted on in the above referenced Proceeding. 

-Procrastination -Claiming they don't have paperwork that they earlier said they had -Avoidance -Constant change of account reps who in turn claim they have no previous knowledge or notes on sale. 
This matter happens to include HUD which creates the additional need for timeliness. 
One buyer already backed out due to Fay Servicing LLC negligence and now over a full year later there is a second buyer in limbo with the same scenario playing out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, I was called from the credit card company to notify me that my payment was last due. I immediately paid my account in full. In XXXX there was an interest charge of {$2.00} that I was unaware of. Due to being unaware I missed that payment which caused a late payment. I was never called nor emailed about these charges. This continued on until XXXX when I logged into my account and noticed this. I immediately paid my account in full. 

I am disputing this because to my knowledge my account was paid in full in XXXX. I was unaware of any additional interest charges and the credit card company NEVER notified me of these charges. They have always notified me in the past, and you can see by my payment history I have ALWAYS paid my credit card on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: OH

Complaint narrative:
Notice for Proof of Claim Account : MEDICREDIT # XXXXTo Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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