vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I began protesting the fraudulent behavior of   XXXX   a bout 6 months before grauation due to the extremely poor education, materials and teachers we were experiencing. Finding out that our credits were not transferable and the school was not accredited cost me my company paying for the education. I could not transfer credits and I did not want to start all over again some where else. I kept trying to cram 2 to 3 years of subject matter being learned into 8 weeks while working a full time job was too much. The president at the time was   XXXX   he offered a   XXXX   XXXX   break for educatuon wich we filled out forms for those who continue from   XXXX   XXXX   XXXX   XXXX   and when I went to sign up for my first term they had no knowlege of any papers. I dont have all my papers any more do to a storage unit Nightmare but I still need help I have the 50 billion phone calls I receive from so many different people who call me daily but Im sure it can be supported somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This case has been going on for 20 years, there is NO debt that they, attorney   XXXX   XXXX   XXXX   and the company   XXXX   XXXX   XXXX  , as debt collectors could have EVER attempted to collect and have failed and refused to produce the original documents from the alleged XX/XX/XXXX  judgment of {$4000.00}. Since this debt was settled paid in full in  XXXX , TWO YEARS BEFORE the alleged filing of the claim, they can not have a claim without their admitted CONTINUING EXTRINSIC FRUAD with the presumptively inadmissible product and evidence of admitted fraud and now attempts to collect {$13000.00}. In earlier rulings by the court involving   XXXX   XXXX   XXXX   (   XXXX   v.   XXXX   XXXX   XXXX   ), numerous

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: KY

Complaint narrative:
All  XXXX  reporting agencies have been contacted numerous times per year, but my ex had enough control over things that no one believed that I was me. Medical accounts with major expenses were opened in my name, cell phone accounts were opened, my credit card and old bank accounts were misused after I had   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    by his girlfriend (   XXXX   XXXX   ) of many years, making this impossible for me to fight. The abuse to my credit did n't stop after my attorney was able to put him in  XXXX . She continued until about 6 months ago. Since my credit has been ruined by them and initially spent nearly $  XXXX  to get him out of my life, I have n't been able to recover and fight 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 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: FL

Complaint narrative:
My credit score dropped from  XXXX + to less than  XXXX . US Bank reported an account belonging to my ex-wife on my score. I was divorced in  XXXX . The account was opened in  XXXX . My ex-wife died in  XXXX  and the account went past due. US Bank has never sent me a statement, past due notice, or notice of adverse action. They just ruined my credit. I have called, written letters, and followed their formal complaint process. The amount is {$1000.00}. plus interest and fees.

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 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
NO ACCOUNT OR WET INK ASSIGNED AGREEMENT TO ATTEMPT TO COLLECT ANY DEBT I DO NOT OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I disputed a judgment and  XXXX  collection accounts on my credit report with each of the   XXXX   consumer credit reporting agencies :  XXXX , Equifax, and  XXXX .   XXXX   immediately removed the errors from my credit report and increased my credit score appropriately. Equifax removed the inaccuracies a week later but did not increase my credit score appropriately.  XXXX  would not let me dispute the inaccurate judgment online, I had to call and speak to several people, and finally was given the ability to submit my dispute over the phone. 24 hours later I received notice that the inaccurate judgment was removed but my credit score was not appropriately increased. I am still waiting for  XXXX  to finish their investigation of the inaccurate collection accounts and I was told over the phone that their process of investigation is simply asking the company that reported the information whether it is correct or not. They told me they do n't require any evidence, only a verbal confirmation and they do n't actually do any investigating at all. I was shocked and felt quite powerless hearing this news.
 XXXX 
I know the judgment caused my credit score to go down and I feel it should go immediately up after being removed especially since it was an inaccurate negative mark. I also know the same to be true with the  XXXX  collection accounts.
 XXXX 
I would like help getting my credit score appropriately increased right away after the inaccurate judgment was removed, and the inaccurate collections were removed. I do n't think it 's fair that I finally got the inaccuracies removed but they are not increasing my score with the removals. It 's already caused me to not qualify for my refinance loan and I am feeling powerless against Equifax and  XXXX  refusal to correct their inaccuracies.   XXXX    was the only reporter that appropriately increased my score with the removals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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:
My credit score dropped from  XXXX + to less than  XXXX .   XXXX   XXXX   reported an account belonging to my ex-wife on my score. I was divorced in  XXXX . The account was opened in  XXXX . My ex-wife died in  XXXX  and the account went past due.   XXXX   XXXX   has never sent me a statement, past due notice, or notice of adverse action. They just ruined my credit. I have called, written letters, and followed their formal complaint process. The amount is {$1000.00}. plus interest and fees.

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 2017-07-17 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:
My credit score dropped from  XXXX + to less than  XXXX .   XXXX   XXXX   reported an account belonging to my ex-wife on my score. I was divorced in  XXXX . The account was opened in  XXXX . My ex-wife died in  XXXX  and the account went past due.   XXXX   XXXX   has never sent me a statement, past due notice, or notice of adverse action. They just ruined my credit. I have called, written letters, and followed their formal complaint process. The amount is {$1000.00}. plus interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I cancelled an order with   XXXX   on Thursday. The Authorization hold was on. The money appears to have dropped back into my Account on Friday it was back to Normal. I Checked my account on Saturday and I was Overdrawn. The charge is still only PENDING! I know instead of it clearing I 'm getting fees. If it 's only PENDING how can I be overdrawn? I have reason to believe that they reordered the Charge to create this overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On   XXXX   XXXX  , 2017 Chase bank sent me a letter : " The total payoff amount due for your mortgage is {$14000.00}. This amount is good through  XXXX / XXXX /2017.
On   XXXX   XXXX  , 2017 I went to Chase Banks branch #   XXXX   to pay off my mortgage #   XXXX   and paid {$14000.00}. However as of my mortgage was transferred to   XXXX   XXXX   XXXX   XXXX   on   XXXX   XXXX  , 2017, and Chase bank had reported to a credit report that my account was transferred to another service, this is incorrect. I keep calling to Chase bank to complain this matter and always get the answers : '' Your mortgage was transferred to   XXXX   XXXX   XXXX   XXXX  , not on Chase bank so we can not do anything to help you ''.
This is very frustrated any time I called them, please help me to solve this problem.
<P/>
Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 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: OR

Complaint narrative:
I disputed a judgment and  XXXX  collection accounts on my credit report with each of the   XXXX   consumer credit reporting agencies :  XXXX ,  XXXX , and Experian.   XXXX   immediately removed the errors from my credit report and increased my credit score appropriately.  XXXX  removed the inaccuracies a week later but did not increase my credit score appropriat ely. Experian wo uld not let me dispute the inaccurate judgment online, I had to call and speak to several people, and finally was given the ability to submit my dispute over the phone. 24 hours later I received notice that the inaccurate judgment was removed but my credit score was not appropriately increased. I am still waiting for Experian to finish their investigation of the inaccurate collection accounts and I was told over the phone that their process of investigation is simply asking the company that reported the information whether it is correct or not. They told me they do n't require any evidence, only a verbal confirmation and they do n't actually do any investigating at all. I was shocked and felt quite powerless hearing this news.
 <P/>  I know the judgment caused my credit score to go down and I feel it should go immediately up after being removed especially since it was an inaccurate negative mark. I also know the same to be true with the  XXXX  collection accounts.
 <P/> I w ould like help getting my credit score appropriately increased right away after the inaccurate judgment was removed, and the inaccurate collections were removed. I do n't think it 's fair that I finally got the inaccuracies removed but they are not increasing my score with the removals. It 's already caused me to not qualify for my refinance loan and I am feeling powerless against  XXXX  and Experian refusal to correct their inaccuracies.   XXXX    was the only reporter that appropriately increased my score with the removals.

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 2017-07-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is the second Cease and Desist letter that I have sent to   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   ( a fraudulently substituted trustee ) attempting to foreclose on a Deed of Trust recorded on   XXXX   XXXX  , 2007. Both are acting in concert and with the help of a fraudulent and robo-signed Assignment of Deed of Trust executed and recorded at the   XXXX   XXXX   XXXX   XXXX   by JP Morgan Chase who is not a party to my Adjustable Rate Note and my Deed of Trust.
I have also sent a Qualified Written Request and they turn around proceed with the TRUSTEE SALE without appropriately responding to my QWR and Cease and Desist Letter.
I have disputed the validity of the debt, the Assignment of Deed of Trust and the Substitution of Trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital ones Fraud department closed my accounts due to fraudulent activity and never sent me a letter why the accounts were closed only that they were being closed and could not disclose why. The charges on these accounts were disputed and never fully investigated. Capital one has failed to provide documentation that these charges were made by me. Capital one is now trying to obtain judgements against me that I am disputing. Capital one removed  XXXX  of my accounts for this same reason but has failed to remove the other  XXXX . Now I want these judgements stopped and removed from my credit report since capital one is failing to respond to me with proof. They say no activity is found but yet there fraud department closed my accounts. Accounts were closed by credit grantor not by the consumer. I will be taking more legal action if these charges are not amended and the judgements are not stopped. Capital one is also still trying to pursue a judgment against me even though my wages are exempt from garnishment as well. I am considering filing a class action law suit because they will not provide me DETAILED DOCUMENTATION AS TO WHY MY ACCOUNTS WERE CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
American Express customer services phones almost always after  XXXX . They most always never leave a message and when they have left one they ask me to phone them on a  XXXX  #. I live in a foreign country and can not phone   XXXX   XXXX   # numbers. They have my address, they know where I live and that I live in   XXXX   XXXX    as it is my address of record but yet they still phone me all hours of the night, disturbing my household and in violation of FDCPA.
<P/>
They have phoned 7 times since the  XXXX  of  XXXX . FIVE of these times were in violation of Federal laws as they phoned after  XXXX . Here are the the following dates and times :  XXXX    XXXX   2017 phoned at   XXXX   no message left  XXXX    XXXX   2017 phoned at   XXXX   XXXX   left a voice mail ( violation )  XXXX    XXXX   2017 phoned at  XXXX . no message left ( violation )   XXXX    XXXX  2017 phoned at   XXXX   XXXX  . no message left ( violation )  XXXX   XXXX  2017 phoned at   XXXX   XXXX  . no message left ( violation )  XXXX    XXXX   2017 phoned at  XXXX . no message left ( violation )   XXXX    XXXX  2017 phoned at  XXXX  no message left I kindly request that American Express be penalized for fragrantly violating the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I received a call regarding a HSBU account which I have never had it has never been on my credit report nor could the company provide any account information the billing address provided I have n't lived At since  XXXX  my credit history is only 2 years old seems to be some type of collection agency prior to my   XXXX   XXXX   account started  XXXX  I have not had a credit card since   XXXX   so I 'm totally confused, I tried to dispute with   XXXX   abd  XXXX   XXXX  disputes have been pending since  XXXX  I tried emailing  XXXX  companies regarding the disputes with no reply I do n't know where else to go it says open  XX/XX/XXXX  no inquiry no payment history nothing showing it would be my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
I have contact my lender (   XXXX   ) numerous times concerning the delinquent mud tax for my home. I have faxed the tax document twice and emailed it on   XXXX    XXXX ,2017. They have given me the runaround and have not paid the tax. There has been interest and penalties attached to the bill.
<P/>
Delinquent Taxes for Account [ Incident :  XXXX  ]

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation
State: MI

Complaint narrative:
In   XXXX   2017 I was contacted by phone at my employer in an attempt to collect a student loan debt. I have no student loans and informed the debt collector of that. I verified my middle name does not match that of the debtor they are trying to collect on.
<P/>
On  XXXX / XXXX /17 I was informed by my employer that the debt collector had filed a wage garnishment. The paperwork received states it is for an individual with my same first and last name, but with a different SSN, middle initial, and address than me. It appears the only thing the debtor and I have in common are a first and last name.
<P/>
The debt collector was informed that I am not the debtor on the  XXXX  2017 phone call and proceeded with an improper wage garnishment.
<P/>
The debt collector is Performant Recovery, Inc.   XXXX   XXXX   XXXX  ,  XXXX  , CA  XXXX . The account # is  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
See attached Cease and Desist # 1 letter which I sent on  XX/XX/XXXX . As of today, we have not yet received sufficient response to this letter. Also on  XX/XX/XXXX , I called SPS and spoke to  XXXX , OPERATOR  XXXX  and informed her that   XXXX   XXXX   is disputing the debt and requested for all the collateral file, including but not limited to ( completely filled out and signed documents ) Truth in Lending, HUD-1, Good Faith Estimate,   XXXX   typed and handwritten,   XXXX    Milestone Report, Loan Transaction History since origination,  XX/XX/XXXX  to present,   XXXX   XXXX   since  XXXX  to present and more. See attached letters of my conversation and list of documents.
 <P/> I  called again on  XX/XX/XXXX following up on my request and wanted to be sure that they were also including Truth-In-Lending, HUD-1. I also wanted some information about the Substitution of Trustee recorded on  XX/XX/XXXX . We were already questioning the validity of this in addition to the Assignment of Deed of Trust. There were too many irregularities and we needed time and the information, documents requested to review and hoping to answer a lot of our questions. Especially with regards to SPS validating the debt.   XXXX   XXXX   filed for Bankruptcy and his credit reports does not reflect full details of his loan with   XXXX   XXXX   XXXX  ,  XXXX  and other questionable issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREAT LAKES
State: MI

Complaint narrative:
In  XXXX  2017 I was contacted by phone at my employer in an attempt to collect a student loan debt. I have no student loans and informed the debt collector of that. I verified my middle name does not match that of the debtor they are trying to collect on.
On   XXXX / XXXX /1 7 I was informed by my employer that the debt collector had filed a wage garnishment. The paperwork received states it is for an individual with my same first and last name, but with a different SSN, middle initial, and address than me. It appears the only thing the debtor and I have in common are a first and last name.
The debt collector was informed that I am not the debtor on the   XXXX   2017 phone call and proceeded with an improper wage garnishment.
The debt collector is   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX  ,  XXXX  , CA  XXXX . The account # is  XXXX .

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation