vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase charged off my debt and XXXX XXXX XXXX took over the account. I contacted XXXX XXXX XXXX. Resolved my debt back in XX/XX/2019. Chase has not reported to the Credit bureaus that this debt has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I can not get them to tell me the correct number of payments I've made toward Public Service Loan Forgiveness. I have two " loan sequences '' that should reflect an equal number of payments, but one sequence is one payment off from the other. A couple years ago they were 7 payments off from each other, and their " review '' resulted in that narrowing to a one payment discrepancy. At that time I had tried to get them to resolve it for over a year and they failed to do so. I filed a XXXX   XXXX  XXXX  complaint and they finally addressed it but instead of a 7 payment discrepancy, there was one. I have been trying to get them to correct this one payment  discrepancy since XX/XX/XXXX, so 13 months now. These are notes of my attempts to get an answer, including employee name and number : XX/XX/XXXX : XXXX XXXX, She said she will send back to processing for review and it will take 3-6 months. XX/XX/XXXX : XXXX - XXXX - no turn around time, up to one year to complete review, no guarantee about timeframe ; are backed up. XX/XX/XXXX : received letter that showed 86   qualifying payments on one sequence ( other sequence from last count said 85, so problem still not resolved ) XX/XX/XXXX : I called and spoke with XXXX XXXX - said something about overpaying by penny throwing off the count. He said he would have someone review it and get back to me through another letter. XX/XX/XXXX : XXXX XXXX - Matter is under review for an indefinite period of time and I will be getting " a detailed letter and phone call '' with the results of this new review. XX/XX/XXXX, XXXX - XXXX XXXX XXXX : One payment discrepancy still under review. Continue to submit employment certifications. XX/XX/XXXX, XXXX : I emailed asking them to provide an update on my request to have my number of payments discrepancy sorted out so I know how many qualifying payments I have made. XX/XX/XXXX, XXXX : I received a reply email stating, " We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. '' As of XX/XX/XXXX monthly billing statement, the discrepancy lingers, showing 98 qualifying payments on one sequence and 97 on the other ( see attached statement ). A couple days ago I filed another XXXX complaint, and today received a response from the XXXX that they can not assist, and directed me to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I use XXXX to monitor my credit scores ; they reflect XXXX and Equifax. 
The information between these two Credit Bureaus is widely different. Even when they are reporting on the exact same accounts. 
I have filed disputes with both bureaus regarding two different " collection '' accounts. XXXX XXXX XXXX and XXXX XXXX are the supposed accounts that I owe money to. The disputes I filed have only been addressed to the Collection agencies, who have nothing to lose by claiming these accounts are delinquent. However, I am actively a customer of both XXXX XXXX XXXX and XXXX XXXX, so if the Credit Bureaus were to contact THEM, they would know I am not behind in any payments to these corporations. 
So XXXX dropped on of these accounts, while Equifax maintains I owe these funds. 
I received an email from XXXX XXXX that states my credit score went up 57 points! However, when I review my credit through them, no such increase is visible. And how can these agencies report such inconsistencies between the same lender, XXXX, XXXX XXXX? Nothing has changed since I started paying them and yet they show different payment amounts and/or different balance decreases. 
How are we supposed to know what is accurate and how can we hold these reporting agencies accountable for what they report?? It is like " little man '' kept down by THE MAN ... .it is ridiculous that these bureaus can dictate who can get a car, buy a house or not!! What can an individual consumer do to fight these inaccuracies? Seriously? 
My little letter to you, will it really make any difference that I am trying to understand how our information is gathered, collected, reported and monitored? I know I am not the only consumer to have such issues and I respectfully request some insight, if not interference with these credit agencies. Do they have all of your information correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
Every credit bureau report shows a debt owing to JC Penney claiming an amount of {$160.00} past due. I had a JC Penney credit card issued in XX/XX/XXXX (? ) and cancelled it in XX/XX/XXXX (? ). supposedly, charges were incurred on the account in XX/XX/XXXX. Over the past 3 years I have sent letters to JC Penney and Synchrony bank requesting documents to verify these charges are mine. They have never sent documents of proof yet they continuing to show negative data on my credit bureau reports.I stopped shopping at JC Penney in XX/XX/XXXX.

I wish for this negative information be removed post haste so the bureau reports reflect no account with JC Penney.

I am buying a house and taking out a mortgage. This bad information reflects on my credit rating and the amount of interest I will be paying for a mortgage loan. 

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 non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Contacted My Boyfriend about a debt I had with XXXX  XXXX over 15 years ago. The debt is for XXXX XXXX They told my boyfriend about how much I owe and asked him to make the payment. The time of the call was XXXX am on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have contacted capital one on multiple occasions regarding 3 separate credit card accounts that were opened in my name fraudulently and have provided police reports and additional documentation that validate that I did not apply for or use these cards, and each time they have come back and stated that the cards were not opened fraudulently and continue to hold me liable for the charges, damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: KS

Complaint narrative:
I contacted Franklin Collections on XX/XX/2019 about an item showing on my credit report. In the phone call, that I have attached to this complaint, I advised the collector that I did not know what this item was for and that it was the result of identity theft. 

Per the brady decission, a collection agency is to record a dispute, regardless of how they receive the dispute, and answer the dispute and mark it as disputed on their credit report. This is further required by the Fair Credit Reporting Act. 

In the call, the collector refused to mark my account as disputed, despite receiving a clear verbal dispute, and demanded I complete paperwork in order to answer the dispute. This requirement is in clear violation of the Brady Decision. Further, because there is paperwork, it seems that this goes beyond just a collector violating the law, but an industry practice on the half of Franklin Collections for which they should be liable for. 

As I clearly outlined the dispute and Franklin Collections engaged in practices to suppress my consumer rights, and they are clearly liable, I have obtained an attorney to pursue a lawsuit against Franklin Collections and the collector individually. 

It is clear that the CFPB should initiate an investigation into this matter as well as an audit of Franklin Collections to ensure they are complying with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I was called by the credit card issuer ( Citi Bank ) for payment of late fees and interest yet was never provided with a statement of charges and amount due. I requested this three times from the issuer over a period of two weeks without receipt of a mailed statement. Meanwhile, US mail was received daily at the address on file with the credit card issuer. 

I also attempted to log in to my account online to review statements and was not able to login due to continuous technical issues on the company 's website. After hours of time over numerous phone calls with the company 's phone support staff no one was able to resolve providing access to view my account and statements online. 

I was promised by phone staff that I would receive statements in the mail by certain dates which have been passed and no statements have yet to be received. 

It is unfair for me to charged interest and late fees as well as negative credit ratings by Citi for statements that they have never been able to provide via the internet or US Mail or any other means that I have requested, including via electronic mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XX/XX/2019 XXXX informed me that my home owner 's insurance would not be renewed as of XX/XX/2019. This because they did not want to pay for roof repairs that they deemed a necessity. That's the best they could do for me after fifteen years of my paying them for coverage. 

After all that, my mortgage servicer ( SPS ) sent me a letter stating that they 'may ' purchase insurance to cover a lapsed period ( XX/XX/19 to XX/XX/19 ), and that they 'may ' charge me for their purchase. Before my XXXX policy expired, I talked to one of SPS 's representatives to let them know that I was searching for replacement insurance. The representative told me that I had time to get the insurance, even after my current insurance expired, I would just have to be timely in letting them know once I had the coverage. I sent proof of my new home owner 's insurance as soon as I purchased it on XX/XX/19. More than a month later I get a letter from SPS saying that they had purchase insurance to cover the lapsed period, after the fact, and that I would have to pay them for their purchase. So, they have added the charge to my mortgage escrow account. That should be illegal. They say that I signed a statement agreeing to keep insurance covering the property. However, they have not provided proof of my signing any such statement, nor have they provided proof that I agreed to pay for any insurance that they 'may ' purchase if I did not keep insurance current. 


Where do these large companies get the idea that they can do something so unreasonable as purchase insurance after the fact, covering a period of time that has long past? I should not be expected to pay for their delayed actions. No doubt they are making plenty of extra money with this practice off the backs of so many of their customers. I just wonder what other tricks do they have up their sleeves to collect money from unsuspecting home owners. I want this charge removed from my account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019 I made 2 transfers online through my Citibank account totaling {$1000.00} using XXXX as the means to transfer the money. 
I thought I was paying the breeder of a puppy for the dog, but unbeknownst to me i was falling victim to a scam. The money was transferred and received by the scammer. The morning the puppy was to be sent, the " breeder '' sent an email saying i would be contacted by the shipper to make arrangements. 
The shipper demanded that i pay an additional {$980.00} to have the puppy shipped to me. 
I contacted my local police and made a report as well as filing a report with the FBI on internet fraud/scam. 
i contacted Citibank Fraud by phone and they opened a ticket on my behalf, but essentially told me that there is nothing they will do because it was a " wire transfer through XXXX '' and that I initiated the transfer. Citibank is essentially blaming the victim as i am confident that they will not refund or try to get these funds back from XXXX. 
A day later i physically went into a Citibank branch office to speak to someone face to face and the financial adviser i spoke to there basically said " honestly, you are unlikely to get your money back from Citibank ''. 
I also called XXXX and they said that i should be going through my bank and not XXXX because that is where I transferred the funds. 
Bottom line is that neither Citibank nor XXXX wants to accept any responsibility, even in the face of scams or fraud. 
Legally speaking this would be considered grand larceny and I hoping that my city police department will help me. 
As a gesture of good faith for a customer of over 26 years and who is in excellent standing, Citibank should have refunded my money and initiate efforts so this never happens to another client of theirs who falls victim to a scam.

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 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted Equifax on multiple occasions now via online, fax, and mail requesting a security freeze be added to my credit file, and they are repeatedly finding ways to intentionally circumvent my request. These range from stating that the documents I have sent to them are illegible to not being able to verify the information provided matches the information in my credit file. They are refusing to assist further with this issue or comply with my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: Diversified Consultants, Inc.
State: IL

Complaint narrative:
The dates are showing open. The original creditor ( 11 XXXX ) is over ten years old. This debt collector ( Diversified Consultants ) is using revolving debt practices against me. Also, it's only being reported on XXXX  credit Agency. XXXX  credit Agency removed this about account years ago because of resetting the legal clock tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
To whom It may concern, I am writing to request the removal of unapproved credit inquiries on my XXXX  credit report from XXXX XXXX XXXX. My latest credit report shows 3 separate credit inquiries that were executed inadvertently. The dates are as follows : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Please have these unapproved inquiries removed from my credit report, as they are harming my ability to obtain new credit. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: NY

Complaint narrative:
On XX/XX/2019 Reliant Capital Solutions sent a collections notice. A validation of debt notice was sent and received by Reliant. 
Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX , OH So Reliant received my dispute in XXXX. Today XX/XX/2019 Reliant posted this account to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
MyLoanCare held our mortgage loan since we purchased our home over five years ago. We noticed this weekend our mortgage for the past two months had not been deducting. We contacted MyLoanCare only to be told that XX/XX/2019 ( 2 days before our mortgage was set to auto pay ) they transferred our loan to a company called XXXX without notifying us of any changes. This put us two months PAST DUE.  How is it possible that these companies can make these changes with no phone call, no email, nothing? Seems remarkably fishy.

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 2019-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Penny Mac home loans has mismanaged my escrow account. I spoke with them over a week ago about my insurance being paid. I paid it myself since I had changed companies. They told me I would be reimbursed for the amount that they had escrowed insurance and would no longer charge me the monthly escrow for insurance. They did not do that and do not have the funds that they collected anymore. PennyMac claims that they have sent this to my insurance company, however XXXX  XXXX confirmed that they have not. I called PennyMac to be refunded for the money that I gave them and they will not refund it, and also will not stop collecting money from me for escrow even though it is unnecessary. I spoke with a woman named XXXX who told me her extension is XXXX however when I tried to call back to speak with her again about insurance saying they had not received the money from PennyMac, I was told that that is not enough information to find someone. I spoke with five different people at PennyMac none of them seem to know where my escrow money is and I'll have told me that they will not be refunding me anything. I also spoke to them about my escrow for taxes since they have the wrong amount for that. again, they have said they will not refund me for the extra money that they have collected from me. I would like to stop escrow with PennyMac so that I can pay the correct amount of my bills on my own, however PennyMac refuses to stop charging me for escrow and can not seem to tell me where my escrow money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted letter from FTC, police report & copy of drivers license 7 times then faxed it to Experian -the acknowledged receipt bia phone call! The connected me to a global location to no avail as they told me no record of receiving although i sent it 8 times & lady wouldnt have connected me if she did not see the fax! 
They received info but it has been months and i can not get through & someone put fraud alert ON & they last time Fraud Alert was XXXX on, someone OPENED 3 accounts? I wantd it n off!? 
Please, XXXX  has fixed or is fixing and its been since XXXX and is now XX/XX/2019 & fraudulent accounts are still on my credit report!!?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: OK

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 non-monetary relief