vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX placed an account as charged off, Account # XXXX XXXX XXXX XXXX on my Equifax Credit report. Last year they deleted the entry and this year they re-reported it. I have asked Equifax to delete it this item, it is not mine, it is in someone else name, social and the only similarities is a partial address. It is still on my report. My social end with XXXX and is no where near the social this account is reporting under XXXX, but it shows up on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: GA

Complaint narrative:
I recently did an application for an apartment in XXXX and was denied and told by the apartment that two of my credit cards with the same company was closed. I was told by the apartment that the company closed my accounts in XXXX without notice or my knowledge. I immediately called XXXX XXXX XXXX and was told that my accounts were NOT closed. I checked all 3 credit bureaus and they indeed closed and sent out information to all three bureaus stating my accounts were closed. I called again and multiple customer care agents state that the accounts were not closed but my credit line was suspended and that this was their policy. I understand but why would you send out to the bureaus that the accounts are closed when they are NOT there is a major difference. I attempted to dispute this with all three bureaus with no success. Because of how they reported it dropped my score significantly and is currently hindering me from getting approved not just for these apartments but for others as well leaving me XXXX. It is unfair reporting and someone should make first premier bank specify the difference of a revolving account and a closed account. If my accounts are NOT closed why would you report it as such. Ive called them multiple times requesting that they provide a letter to my apartment complex explaining the situation and they stated no that they could not and will not do such thing. I also demanded that they report fairly and accurately to prevent future situations like 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 2019-10-04 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: GA

Complaint narrative:
I recently did an application for an apartment in XXXX and was denied and told by the apartment that two of my credit cards with the same company was closed. I was told by the apartment that the company closed my accounts in XXXX without notice or my knowledge. I immediately called XXXX XXXX XXXX and was told that my accounts were NOT closed. I checked all 3 credit bureaus and they indeed closed and sent out information to all three bureaus stating my accounts were closed. I called again and multiple customer care agents state that the accounts were not closed but my credit line was suspended and that this was their policy. I understand but why would you send out to the bureaus that the accounts are closed when they are NOT there is a major difference. I attempted to dispute this with all three bureaus with no success. Because of how they reported it dropped my score significantly and is currently hindering me from getting approved not just for these apartments but for others as well leaving me XXXX. It is unfair reporting and someone should make first premier bank specify the difference of a revolving account and a closed account. If my accounts are NOT closed why would you report it as such. Ive called them multiple times requesting that they provide a letter to my apartment complex explaining the situation and they stated no that they could not and will not do such thing. I also demanded that they report fairly and accurately to prevent future situations like this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 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: GA

Complaint narrative:
I recently did an application for an apartment in XXXX and was denied and told by the apartment that two of my credit cards with the same company was closed. I was told by the apartment that the company closed my accounts in XXXX without notice or my knowledge. I immediately called XXXX  XXXX XXXX and was told that my accounts were NOT closed. I checked all 3 credit bureaus and they indeed closed and sent out information to all three bureaus stating my accounts were closed. I called again and multiple customer care agents state that the accounts were not closed but my credit line was suspended and that this was their policy. I understand but why would you send out to the bureaus that the accounts are closed when they are NOT there is a major difference. I attempted to dispute this with all three bureaus with no success. Because of how they reported it dropped my score significantly and is currently hindering me from getting approved not just for these apartments but for others as well leaving me XXXX. It is unfair reporting and someone should make XXXX XXXX XXXX specify the difference of a revolving account and a closed account. If my accounts are NOT closed why would you report it as such. Ive called them multiple times requesting that they provide a letter to my apartment complex explaining the situation and they stated no that they could not and will not do such thing. I also demanded that they report fairly and accurately to prevent future situations like 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 non-monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
On Tuesday evening XX/XX/XXXX my checking account had a balance of XXXX dollars. There were no pending transactions. I was unable To login to my account Wednesday morning for XXXX-XXXX to check my balance. Around XXXX XXXX I checked it and my balance was negative XXXX .... I immediately transferred money via instant deposit via my XXXX account for XXXX which brought my balance back to a positive status ... later that afternoon I checked it again and after making that deposit they proceeded to return two ach transactions and charged me two return fees of XXXX dollars. Those two transactions never had a pending status they were posted as if they were checks written when in fact they were ach withdrawals for payments done online.. both were under 30 dollars. Every other ach payment made will process as pending and then completed .. these two just popped up On XXXX as being posted on XXXX. As stated as soon as I was able to transfer money over o did but they returned them anyway and charged me XXXX x2. That is no way to handle your customers account .. it makes a difficult situation just that much harder and I dont appreciate the way they manipulate they system to benefit them. U cant deposit money in a local branch atm it doesnt get applied to your account for two days.. the only way to deposit money is instantly like I did and they still sent back those payments despite the fact it had been covered. I want the return fees credited back. I will be changing banks. I cant win for losing with them and have had enough of them taking my Money amd taking advantage.

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 2019-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in 2016 any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SUNTRUST has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never XXXX days in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must as soon as possible and confirmed to be correct. 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 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that USAA SAVINGS BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I filed a complaint with the Consumer Finance Protection Bureau a few days ago against Bank of America and XXXX XXXX XXXX. 24 hours after filing the complaint, which had nothing to do with the information reported by Bank of America on my credit report my closed and paid in full Mortgage loan was removed from my Credit Report. 
I received a phone call yesterday and voicemail message from Bank of America Regulatory Compliance Services XXXX ext XXXX. 

This call was a response to a complaint I opened regarding the banks non compliance with XXXX XXXX XXXX   settlement and {$10000.00} they owe me via a lien they refused to remove, even though they sent me a letter promising to do so. Once I tried to sale my home the Bank stated ignoring my phone calls and refused to talk to me. So during the escrow process I had to pay them the {$10000.00} or loose the right to sale my home. 

The removal of my previous payment history is retaliation and another example of the Bank of Americas unethical business practices. I called Regulatory Compliance   at Bank of America 10 times yesterday and they never returned my call. The EOscar system is being abused by Bank of America and it's a violaion of of my rights

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 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
They continuously call my phone various time of the day and evening. Leaving harassing voice mails

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I filed a complaint with the Consumer Finance Protection Bureau a few days ago against XXXX  XXXX XXXX and Nation Star Mortgage. 24 hours after filing the complaint, which had nothing to do with the information reported by XXXX XXXX XXXX on my credit report my closed and paid in full Mortgage loan was removed from my Credit Report. 
I received a phone call yesterday and voicemail message from XXXX XXXX XXXX Regulatory Compliance Services XXXX ext XXXX. 

This call was a response to a complaint I opened regarding the banks non compliance with XXXX XXXX mortgage settlement and {$10000.00} they owe me via a lien they refused to remove, even though they sent me a letter promising to do so. Once I tried to sale my home the Bank stated ignoring my phone calls and refused to talk to me. So during the escrow process I had to pay them the {$10000.00} or loose the right to sale my home. 

The removal of my previous payment history is retaliation and another example of the XXXX XXXX XXXX unethical business practices. I called Regulatory Compliance at XXXX   XXXX XXXX 10 times yesterday and they never returned my call. The XXXX system is being abused by XXXX XXXX XXXX and it's a violaion of of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I discovered two colllections for XXXX XXXX for service to a Rhode Island building that had burned down on XX/XX/2015. Service and billing was extended long past the date of fire despite service being disabled by Fire Department ( building was completely consumed ). In addition bills were sent to an address to Texas where I never lived. 
I negotiated with XXXX XXXX pay for deletion which they referred to Transworld Systems who responded in agreement, and I made my payment, but it is several months after payment and many letters later, and Transworld Systems still will not delete the collections despite the billing errors and written agreements and follow up letters requesting the deletion be honored and the billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: DISCOVER BANK
State: TX

Complaint narrative:
I looked at my XXXX credit report ... and there is a discover card open in my name that I dont recognize and its has a XXXX balance on it and it was open in another state and its has a Washington address on it and I never lived in XXXX Washington .... and I disputed with discover and they put that account on my credit report and never ask for a police report from me .. and my credit is damaged and the fraud reps were rude to me and I cant get this account off my XXXX  credit report .... and I never applied for it .... the account number is ending XXXX and I lived in Texas that matches my driver license and I only applied for a discover secured card dating back in XX/XX/2017 that I paid off ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent Experian a written dispute of the collection record reported since XX/XX/2019 by XXXX XXXX XXXX and informed Experian, XXXX XXXX XXXX did not adhere to their responsibilties under the FDCPA to send me an initial letter informing me of my right to dispute the debt and have it validated by the original creditor XXXX XXXX Just after XX/XX/2019 I got the results of Experians investigation. Despite my notifying them of XXXX  XXXX  XXXX failure to meet their FDCPA statutory requirements, Experian did not remove the XXXX XXXX  XXXX Collection record but in so many words said it was a valid debt and " consumer disagrees '' and updated the item no less. 
About the same time the response from XXXX  XXXX XXXX to my previous complaint against them came back and XXXX   XXXX  XXXX said they did send an initial letter to the address from which I was evicted on XXXX XXXX, XXXX, AZ and that I should contact the post office. 
I contacted Experian to inform them of this information, and that the collection record is unlawful and inaccurate and must be removed. They refused continuing to assert the information was accurate and correct. 
Experian is allowing XXXX XXXX XXXX to not even indicate the debt is disputed, nor did they require it be removed until the validity of the debt be determined and all the specifics ( i.e. balance etc ) verified. 
as stated. 

" According to National Consumer Law Center ( NCLC ) staff  attorney XXXX XXXX, if a consumer says they didnt get the initial notice, and the debt collector can show they likely mailed it in the course of their normal business, the burden of proof may be on the consumer to establish that the initial notice was not sent to the right address. But if the debt collector sent it to the wrong address and was returned to the collector as undeliverable to the consumer, then theres a good chance the collector did not fulfill the requirements of the law if it didnt update the address and deliver the notice as required. Even if the letter is not returned, the debt collector may not have complied with the FDCPA if the letter is mailed to the wrong address, especially if the individual never lived at that address or hasnt lived there for years, she said by email. '' As of the date of this compliant, I have STILL yet to have had any contact from 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 2019-10-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX- I Submitted CFPB Complaint # XXXX. To J P Morgan Chase Credit Card Services.  About a week later a ( Un Named ) Chase Executive Office lady Representative phoned me and told me letters of Credit card Closures dates, balance amounts for cards ending in XXXX and XXXX, were on there way. Few days later one billing statement arrived for one card. I phoned on XXXX XXXX to Chase customer Service # XXXX, when I received billing statement and left her voice mail message that statements WILL NOT FULL FIL COURTS REQUIREMENTS FOR LOSSES IN A FEDERAL COURT ACTION and she had till XX/XX/XXXX when CFPB told me that the Chase Response letters were due back to CFPB. 

This Lady phoned me back and did not understand my voice message and wanted to just talk about things unrelated to previous message left by me on her Voice message. I did return a phone call to her, but rang so many times I got fed up with Chases ( gas lighting run-around tactics ) now no English combredo XXXX I hung up. 

Chase Executive Credit Card Department does NOT NEED 60 Days to type a Chase letterhead letters containing the Credit Cards Closure Dates, and Charge off balances due it takes 2 seconds with Chase on the phone to get this information, can not REDUCE THIS INFORMATION TO WRITING Chase closed my Chase cell phone app to get particle info.

This a Legal request to comply with so I can present them as damages to the XXXX Circuit Court of Appeals to get what is due Chase, from a third party that embezzled my income! 

I have been asking for these letters from Chase Since XX/XX/XXXX and no Federal Judge will tally All your XXXX billing staments!

One more statement I DID NOT AUTHORIZ
E any one else to makes purchase on my cards under Purchase Interest Fees and Chase DID NOT NOTIFY CONSUMERS of a Chases self imposed enrichment fees with a 30  day fee change notice to consumers!

And WHY does Chase bank do not cash their own Chase Bank Checks?!!

If I do not get these letters from Chase soon I will SUE J P Morgan Bank! For NOT COMPLYING WITH A FEDERAL DOCUMENTS To SHOW AS EVIDENCE DOCUMENTS AS I HAVE REQUESTED AND FRAUDULENT CONSUMER BUSINESSES PRACTICES! 

And Chase you wipe clean these two credit ratings as poor off my Credit reports and state Excellent ratings from this customer! Because J P Morgan Chase refused to comply with a legal Federal request from consumer to prove Embezzlement of another party Crime!

Company response to consumer: Closed with explanation