vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern, I have had 2 of my accounts which is XXXX XXXX and XXXX charged off. I just recently found out that I was affected by the XXXX  breach causing all my information to be hacked and used by others. That is why I have had multiple unauthorized charges on my account and I have reported it multiple times but it still came back as valid. Then I found out I was one of the many affected by the XXXX  breach and possibly Identity Theft.

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 2019-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: MN

Complaint narrative:
I have received numerous calls for years " attempting to collect a debt '', from DYNAMIC RECOVERY SOLUTIONS. I believe it is for a student loan of a former co-worker of mine. I have told them numerous times I am not that person. I even provided them her number, years ago when I still had it. I have not been in contact with the person they are looking for, for at least 6 years. I have told them nicely and more forcefully to stop calling me. They reply, in a very rude tone, that they have worked with me before. They obviously think I am trying to get out of paying. I have blocked the number, but they call from another one. I have left them voicemails and as of today, I emailed them. Their website they provide on their voicemail, when I called them is GOTODRS.COM. I will call them again tomorrow and demand a person that is higher in the ranks, in hopes they will listen to me. 
At this point, it has gone way beyond what is acceptable. This is outright harassment. I'm hoping you can help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2019 I sent a valid dispute to Equifax due to 30+ items on my credit report being listed as closed accounts with remaining past due balances all reporting multiple lates and duplicate accounts. A closed or collection account can not also be past due, that's a violation of my rights. I asked for validation under FDCPA611. On XX/XX/2019 I received a response stating the items were updated or remain On XX/XX/2019 I mailed a 2nd request to Equifax asserting my rights under the : FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FDCPA section 808 ( 1 ) provide me with authorized agreement creating the debt, FDCPA section 809 ( a ) ( 4 ) copy of verification sent to the consumer FDCPA section 809 ( b ) cease collection and communication of debt until verification is mailed.

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute within 30days.

Equifax has continued to violate my rights. First by ignoring my 2 valid requests of validation from which Im entitled to by law within 30days. Second, they continue to violate my rights with each request Ive sent, Equifax updated the accounts in question to a paid late status on 20+ accounts going back years which are reporting as closed. Mind you none of these accounts have been validated but Equifax updates the late status on closed accounts which is a direct FDRCA violation, and it seems as if with every request I send the further they'll go back with the late status on all these closed accounts. 

Today, I received a new dispute opened for one account which means once again my rights have been ignored by not removing these items under the allotted 30days based on law FCRA611. 

Since Equifax did not comply with any of my 2 requests within the time frame allowed they need to delete the disputed accounts. Please have them comply with the law and my rights by having these disputed accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
All of the collections showing up on my credit are false. Ive fixed them on XXXX and I want them off my trans union as soon as possible thanks!

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 2019-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Verified via credit file with Transunion and XXXX XXXX XXXX  is reporting this account as charged off on my credit file. Please investigate proper validation of this debt per FCRA regulations.

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 2019-08-09 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 that incorrect are reporting on my credit report 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 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I was the victim of a scam as a student at XXXX University. The scam has been published all over the media. I ended up losing thousands of dollars and had my stipend, earnings, and scholarship from me. I was explaining to Navy Federal that the reason I have a late payment is because of this scam. Typically when incidents like this happen companies are willing to waive the late payment reporting. Navy Federal has refused to cooperate with me. They actually have been terrible. For 5-6 Years I have made payments on time. When I talk to their customer service all I get is this response which does not help me resolve my problem. Navy Federal should be helping trying to get this late payment removed. I was the victim of a scam and had to change my checking account information to avoid having my money taken from me as well. See below. I also did not get my bill. was also told by their collections department that I would not be reported late if I paid before sixty days. I am also writing this goodwill gesture letter. 

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment. 

I want you to know that I understand my financial obligations, and if it werent for XXXX university fraud scam Id have an excellent repayment record. I made a mistake in falling behind, but since then everything has been paid. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX XXXX  : XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Verified via credit file with Experian and XXXX XXXX XXXX  is reporting this account as charged off on my credit file. Please investigate proper validation of this debt per FCRA regulations.

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 2019-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have applied to Comenity Bank for the Victoria Secrets  card. Each time I apply they run my credit and hit me with a hard inquiry. At such time they claim I have a freeze. I do not have a freeze or any block on my reports. Each letter I have received in the past has a different excuse and when I call they tell me something different that contradicts the letter. On the last application in XXXX they have never sent to me any correspondence for this application. But when I call they claim I have a freeze. Once again I have no freeze. 

I am XXXX XXXX and was born in XXXX and was born XXXX. I have asked them several times do you have a problem with my background? They won't answer. 

Each manager I get transferred to won't help me, they listen to me and them tell me to re-apply ion 30 days. 

This is such harassment and is causing me additional time with the credit reporting agencies to validate my reports with them. 

Enclosed is proof they got my XXXX Report but they claim in the letter they sent to me that they could not get the report, copy enclosed too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: IL

Complaint narrative:
Verified via credit file with Equifax and XXXX XXXX XXXX is reporting this account as charged off on my credit file. Please investigate proper validation of this debt per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I recently had a loan transfer from XXXX XXXX XXXX to Shellpoint Mortgage ( New Rez ) effective XX/XX/2019. I had automatic payments setup through XXXX and when the loan had transferred I followed the instructions given by Shellpoint and setup an online account with banking info to setup automatic payments. Unfortunately on XX/XX/2019 there was a withdraw for my mortgage of {$2900.00} taken from the account I setup for Shellpoint online and taken from the account that was previously setup for my XXXX by Shellpoint. In short I made a double payment and one of the payments I never authorized Shellpoint to withdraw from my XXXX checking account. Since the double payment was taken I've made at least a dozen phone calls to Shellpoint for a refund and in the beginning was told to email my info over for both accounts to verify there was a double payment and we will issue an immediate refund. I still haven't received a refund and last Thursday XXXX I was told it would take 2-3 weeks but a supervisor will call me back in 24-48 hrs. I missed a call today from a supervisor only to get there generic 1-800 call back number and when I call they have no answers and a supervisor will have to call you back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom it may concern, I have had my account charged off about a couple of months ago due to the fact I was not able to make payments. I just recently found out that I was affected by the XXXX breach causing all my information to be hacked and used by others. That is why I have had multiple unauthorized charges on my account and I have reported it multiple times but it still came back as valid. Then I found out I was one of the many affected by the XXXX breach and possibly Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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 file XXXX XXXX ( Original Creditor : ) XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To whom it may concern, I have had one of my accounts which is Chase United Card charged off. I just recently found out that I was affected by the XXXX breach causing all my information to be hacked and used by others. That is why I have had multiple unauthorized charges on my account and I have reported it multiple times but it still came back as valid. Then I found out I was one of the many affected by the XXXX breach and possibly Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BILL.COM, LLC
State: CA

Complaint narrative:
My employer has forced me to use Bill.com for direct deposit of funds. Bill.com was linked to XXXX checking account. The XXXX checking account was closed. 

Bill.com would not provide prof of the funds being returned from XXXX XXXX. Trying to work with my employer to re-issue payment has failed. 

Following Bill.com customer service instructions to link XXXX to Bill.com have sadly been incomplete ; leaving out the fact once a new account has been verified, the member has to go in and archive the closed account. Then the newly linked account activate the new account by sliding a selector to an ON position making the new linked account the default for in and out transfers. 

Im totally baffled in their lack communication and instruction. A second paycheck this week lost into oblivion. 

I want the funds owed to me plus penalties. California I am entitled to 3x {$65.00} ( {$190.00} ) for XXXX lip service, failure to provide transaction numbers of funds being returned from XXXX XXXX. Purposely misleading me, stating its some other entities problem but not theirs. 

XX/XX/2019 Payment {$65.00} x 3 = {$190.00} XX/XX/2019 Payment {$65.00} Both are lost. Ive been told I receive a check in the mail but now find them to be utterly untrustworthy. 

I need the lost funds plus penalties issued to me electronically to the linked XXXX account within 10 days or I shall be forced to file in small claims court. 

The forced arbitration clause is not valid for you have not provided an opt-out method. California has struck down forced arbitration the does not allow for a person to opt-out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: TN

Complaint narrative:
NATIONWIDERECOVERYSYSXXXXXXXXXXXXXXXXXXXX,TXXXXX(XXXX)XXXXIhavespokenwiththiscompanyonnumerousoccasionsaboutdebitthat,isnotowedorhasnovalidationeverysooften,theywill"refile''olddebtasnewdebt,(thisusuallyhappenseverysixmonthsorso.Ihavesentnumerouslettersaskingforvalidationofsaiddebtwithnoresponse,ihavealsodisputedthedebt,atwhichtimetheyrenewthedebtwithanewamount.TheoriginaldebtorisXXXXXXXXXXXXtheycurrentlyshow5debtsthati"owe'',andwhenIlookedthiscompanyupitstatesthatitisahospitalinanothercountythatIhaven'tbeentooinover7-10years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: Innovis
State: AL

Complaint narrative:
I received a copy of my credit report on XX/XX/2019 and noticed this inquiry that I did not authorize. On XX/XX/2019 sent the creditor a dispute letter asking for proof of authorization and they sent a stalling letter asking for the same things that I sent in the original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
merchant : XXXX XXXX credit card co : Chase I have tried multiple times to resolve this with my credit card company since XXXX. They are now telling me that it is past the date and I have no recourse for a fraudulent charge on my card. The merchant XXXX XXXX has a a history or overcharging our card and manipulating invoices. 

I have submitted documentation multiple times, and Chase has chosen to either ignore my documentation or take the manipulated documents from the merchant as valid. 

I have original email correspondence from the merchant of the original emailed invoices, they emailed altered invoices to Chase to document the charges. 

I have emailed, faxed and called Chase on multiple occasions regarding these charges with little or no resolution. They keep telling me to wait for a letter in the mail, but when the mail comes and I send documentation back, there is no way to know if someone is working on it. I last spoke to a representative from Chase today at XXXX Hawaii Time.  His name was XXXX and now he tells me I have no recourse because too much time has passed. I started this in XXXX. I last called and submitted documentation on XX/XX/XXXX. They told me to wait up to 30 days, now he tells me that too much time has passed? 

I have more documentation to submit if necessary, history of emails, fax transmittals etc, but I was not given an opportunity to discuss what information they thought was valid and invalid. 

I am so appalled that my credit card company is not protecting me from this deceptive vendor and the representative would not tell me why they think the charge is valid, only that there is no further recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PENNYMAC LOAN SERVICES, LLC.
State: ME

Complaint narrative:
A week and a half ago I signed a contract to purchase a foreclosed property from a government entity penny Mac. The property is located at XXXX XXXX XXXX XXXX., XXXX, ME. The listing agent is XXXX XXXX of XXXX XXXX XXXX and the selling agent is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have been making repeated attempts through my realtor XXXX XXXX to acquire the executed contract for my bank but Penny Mac is unresponsive. This demonstrates a poor business acumen and an inappropriate way to interact with the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: GA

Complaint narrative:
I need to unfreeze my credit report temporary to get approval on a new car loan. The online website and phone number is not allowing me to get the freeze lifted. The credit bureau is EQUIFAX. I have called 6 times and just put on hold they offer to press 1 and get a call back but it doesn't work only hang ups. The online says they can't pull up the information and try later I did this 5 times! Please Please help me my car is down I desperately need a new car!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: NJ

Complaint narrative:
- US Bank website has many problems and glitches including but not limited to not being able to save bank account info, in addition, the system does not pass the account info correctly. 
- this resulted in -sometimes- that they said the bank account info is wrong which in fact it isnt, because I check them three times before sending. 
- in turn this resulted in late payments and late fees, and when I call to resolve, they dont waive the fees. 
- in turn when I pay the lease amount, it doesnt fulfill the full amount as the late fees carry over, which I turn accrue another late fee consequently. 
- basically its a scam and a lousy website. 
- finally, they sent me a letter that they reported the late fee to the credit bureau which will affect my credit score. 

So in a nutshell they are damaging my financial well-being.

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