vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I was denied Public Service Loan Forgiveness after making my 10 years of payments and told I didn't qualify because I was on the wrong payment plan. I was never offered any payment plan options. I have applied for the new Temporary Public Service Loan Forgiveness months ago but have been given no decision either way. Fed Loan, XXXX and others have been awful to deal with, giving me wrong information and terrible service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
I have diligently applied for acceptance of a Loan Modification with XXXX XXXX/ LoanCare Servicer four consecutive times only to be denied. I had done the first modification on my own, then the last three by professionals including a Bankruptcy attorney. My income is {$6800.00} a month with mortgage payments of {$2100.00} including Escrow. I more than qualify financially for a modification. My attorney couldn't understand why the denial nor the professional loan modification servicing company. I need for CFPB to investigation XXXX XXXX/ LoanCare Loan modification process and procedures. Something is terribly wrong. They are moving quickly and forcing a foreclosure on my home.

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 2019-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
I received a bill from the doctors that I didn't agree with the amount because it seemed extremely high and like it might not have been my bill and requested a detailed bill from the doctors office. The hospital never complied after 2 request. On XX/XX/2019, I received a collection bill from Health Care Receivables Group and immediately requested a debt validation on XX/XX/2019 of the debt because I still believed there was an error. Healthcare  Receivables Group never validated the debt within 30 days, even though I submitted my request within days of receiving the initial notification. They continued after this moment to call me numerous times a day and leaving voicemails regarding this debt. on XX/XX/2019, I finally answered and told them to stop calling me and that I had asked for validation months ago and never received it and they immediately slapped this collection account on my credit report at that point on XX/XX/2019. I am currently under contract for a house an their unfair collection practices have cause me tremendous XXXX and XXXX, not to mention could cause me to loose my earnest deposit and due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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:
I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies.

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 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I purchased a couple of flights on XX/XX/XXXX to and From XXXX from two airlines who ended up going through Financial Insolvency ( XXXX XXXX and XXXX XXXX ). The amounts paid were {$420.00} and {$380.00} respectively. 

Once I learned about their insolvency, I tried to contact the airlines for a refund but wasn't able to reach anybody. I decided it would make sense to book two different flights since the Terms of Service of the credit card state that the original purchase would be covered and I would be getting that money back. 

The Terms of Service of this credit card as well as their own website list Financial Insolvency as one of the events covered under the travel insurance they offer : https : //www.chase.com/card-benefits/sapphirepreferred/travel Upon contacting the company to file a claim, they told me they do not cover Financial Insolvency and refused to help me submit a claim. I called back to talked to a different rep and they had the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX  credit bureaus placed bankruptcy on my credit report. No bankruptcy record on file at courthouse in XXXX. Letter of dismissal is available from Judge. Letters filed and request for removal from credit reports not being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: FL

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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:
I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies.

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 2019-10-23 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: FL

Complaint narrative:
I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: OH

Complaint narrative:
information on the credit report that is not mines. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.

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 2019-10-23 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: OH

Complaint narrative:
information on the credit report that is not mines. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried numerous times to get the credit bureaus to remove fraudulent names and addresses on my credit report, after sending letters and disputing these fraudulent personal information reported on my credit file, Transunion, XXXX, and XXXX still hasn't removed under the fair credit reporting act. The only name that should be reported and showing on my credit reports is as follows : XXXX XXXX XXXX XXXX. The only address that should be reporting on my credit files should be as follows : XXXX XXXX XXXX. XXXX, NC XXXX. All other names and addresses are fraudulent and must be removed, the following are the fraudulent names and addresses as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX   XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC 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 2019-10-23 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:
Multiple accounts are reporting on my credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-10-23 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: NY

Complaint narrative:
I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies.

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 2019-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I attempted an online purchase with my Capital One credit card. It triggered a suspicious use flag in their system and was declined. I rung Capital One and they fixed the problem and assured me I could now make the purchase. 
Upon trying again it was declined again. 
I called Capital One back and was told it had now escalated and they couldn't restore my card without being able to send me a PIN to a US cell phone. I am a non resident alien so do not have a US cell number available. 
I have a US ITIN and various other govt ID issued from XXXX XXXX. 

I then had to call again and be put through to an account manager who basically advised I would have to try and apply for US ID to get my card reinstated. As they had no problem opening my account years ago with my ID I am incredulous that now they are basically forcing me to cancel my card because I don't have a US cellphone? Completely ridiculous. I want my account reactivated and an apology for their error creating the whole problem. They have various info they can confirm over the phone adn years of history they could quiz me on etc. 

I have made about 6 phone calls in total with zero assistance and have emailed the CEO without response. 

My name is XXXX XXXX. I am the only client they will have with that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
THIS COMPLAINT IS REGARDING XXXX XXXX XXXX ACCOUNT XXXX.MULTIPLE DISPUTES HAVE BEEN INITIATED THROUGH EQUIFAX AND OTHER BUREAUS.IN ADDITION THE CREDITOR WAS ADDRESSED IN CFPB DISPUTES AND COMPLAINT. 
XXXX XXXX XXXX AND EQUIFAX ARE DEPICTING ERRONEOUS LATES.NOW, I PLAN TO SUE XXXX AND EQUIFAX FOR EVERY FRAUDULENT VERIFICATION/CERTIFICATION THAT HAS BEEN ACCOMPLISHED.THE STATUTORY DAMAGE AMOUNT IS XXXX DOLLARS PER INFRACTION WITHOUT PROVING NEGLIGENCE OR INTENT.FOLLOWING THE RESULT OF THIS COMPLAINT I WILL SEND A DEMAND LETTER TO EQUIFAX AND XXXX SEPERATELY DEPENDING SOME-WHAT ON THE OUTCOME HERE, OTHERWISE I WILL ADD XXXX EACH TO EACH CLAIM IF UNSATISFIED AND I WILL SEE YOU IN COURT OR NOT IN XXXX SUPERIOR COURT. 
THE 2 VERIFIED DISPUTES DATED COMPLETE ON XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX AND XX/XX/19, DISPUTE CONFIRMATION NUMBER XXXX FROM EQUIFAX SHOW THE LATES AS EXCLUSIVE AND DIFFERENT FROM THE EXCLUSIVE AND DIFFERENT DATES SHOWN ON PAGE ONE FROM THE XXXX FINAL LETTER.REMOVE XXXX FROM ALL BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
As of XX/XX/XXXX my taxes were not paid. I did not have an escrow acct set up. I am on a fixed income since XXXX. I do not recall making any decisions of giving Bank of America the authority to pay my taxes, now I can not financially afford the payment due to 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 2019-10-23 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: NY

Complaint narrative:
I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies.

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 2019-10-23 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: NY

Complaint narrative:
I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I spoke with Wells Fargo 's representative on Thursday XX/XX/XXXX and I was addressing to her my concerns that I have had for Wells Fargo for all the hardship that Wells Fargo have caused in our life from their knowing negligence. 
Unbeknownst to us, we were charged for insurance that we did not need nor request. As a result, we have received late payments marks on our credit report as well as even had our vehicle repossessed. Because of your negligence in overcharging us for a service we did not need nor request, we have experience numerous hardships. 
On XX/XX/XXXX my husband sent an email and letter to XXXX XXXX XXXX regarding our account. At that time, Mr. XXXX was informed that we were trying to purchase a home and asked for help in debt forgiveness for late payments on the account. Mr.XXXX   was also informed him that we were leasing to own because of the credit history with Wells Fargo. We were not late due to the charge of the insurance we did not need because we had our own insurance. Our vehicle was even repossessed due to the CPI that was caused by Wells Fargo overcharging and as a result we had to pay so many fees to obtain our vehicle. My husband also informed Mr. XXXX that I have a chronic illness that has impaired my ability to work and we were on one income and have been for the past few years. 

Mr. XXXX disregarded our email and the letters that were sent to him. So once again because of your negligence we ended up being 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 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN IS GIVING ME BOTH THE RUN AROUND AND FALSE INFORMATION. I HAVE SENT 2 VERIFICATION REQUESTS TO ALL OF THE BUREAUS. EXPERIAN CAME BACK THE FIRST TIME REFUSING TO REINVESTIGATE. THE SECOND ROUND IS ATTACHED. THE FIRST PAGE TELLS ME THAT THEY GOT THEIR INFORMATION FROM SOME ORIGINAL AND SOME 3RD PARTY COLLECTORS. THAT IN ITSELF IS ILLEGAL. THAT DID NOT GIVE ME ANY PROOF. THEY DID NOT SHOW ME ANY ORIGINAL SIGNATURES OR NOTHING. I AM ALLOWED TO HAVE A FULL VERIFICATION NOT A GUESS. I THEN NOTICE THAT THEIR BEFORE AND AFTER FIRST REPORTED DATES, FALL OFF THE CREDIT REPORT DATES, ETC. DON'T MATCH. THEY ARE REAGING THIS STUFF. THEY EVEN TOLD ME THAT ONE ACCOUNT WAS DELETED BUT IT IS STILL LISTED. I AM FURIOUS. THIS IS AND HAS AFFECTED MY WAY OF LIFE THROUGH ABILITY TO GET JOBS, CARS, AND HOME OWNERSHIP. I AM SURE THAT I AM IN NO WAY SPECIAL AND MILLIONS OF OTHERS HAVE WRONG INFO ON THEIR CREDIT WITH THE BUREAU REFUSING TO CORRECT IT. THERE ARE THINGS THERE THAT SHOULD HAVE FALLEN OFF LONG AGO. THERE ARE THINGS THERE THAT CAN NOT BE VALIDATED NOR VERIFIED. THEY DID NOT DO A FULL CHECK WITH THE ORIGINAL CREDITOR ONLY AS THE LAW STATES. THEY ALSO HAVE CHANGED DATES OF FIRST REPORT AND EXPECTED FALL OFF. LIES!!!

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 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: TX

Complaint narrative:
I purchased an item on XX/XX/XXXX on XXXX by a discover credit card. The manufacturer warranty on that item is 2 years and that item is not working on XX/XX/XXXX. It's out of the original warranty, as discover credit card provides extra one year warranty so I filed a claim through discover. And discover customer service successfully created a claim number for me # XXXX. Actually discover customer service forwarded my case to a third-party insurance company called " XXXX, XXXX XXXX XXXX '' to handle my claim. And I uploaded all the required documents to XXXX XXXX   XXXX and submitted couple of additional documents based on the request of XXXX. But it seems like the XXXX claim team keeps giving me hard time and rejects my claim due to incomplete documents or document is not qualified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23 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: FL

Complaint narrative:
Multiple accounts are reporting on my credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation