vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted TransUnion on XX/XX/XXXX in regards to an account on my credit file named XXXX XXXX XXXXXXXX  Visa. They responded with their generic response that this item is being reported accurately. I then contacted TransUnion again on XX/XX/XXXX requesting that they re-investigate this account XXXX   XXXX XXXX XXXX as being accurate. I advised TransUnion that I had also contacted XXXX  and XXXX with regards to the same account. 

Transunion reports status as Charged Off, XXXX   reports status as Transferred, closed, XXXX   reports this item not currently reporting on the credit file. 

Transunion reports payment history as XX/XX/XXXX OK, XX/XX/XXXX OK, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX C/O, XXXX  reports payment history as XX/XX/XXXX OK, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX CLS. XXXX reports this item not currently reporting on the credit file. 


I asked TransUnion how is it that all 3 major credit bureaus are suppose to report only accurate information, that they are the only bureau that has come back stating this account is mine and reporting accurately. I advised TransUnion that I believe their information to be inaccurate. I asked TransUnion to please send me names, address and phone numbers, who they contacted at the company and copies of documents with my signature showing that I have opened this account. 

I still received the same response that they verified the information as accurate. 
So they want me to take their word for it, however they will not take mine. 

This inaccurate information is jeopardizing my chances with a company that I have applied for a job.

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 2020-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Both my husband and I went through a financial crisis due to a XXXX XXXX he had more than 10 years ago. We were unable to pay our credit card debt and it went into collection. We had 3 credit card through XXXX XXXX, 1 through XXXX and 1 through XXXX ... 5 total. We hit the 10-year Mark since the debt last year. In XXXX we received five 1099 notices advising that the debt had been charged off and we were required to submit it as regular income on our tax returns. Which we did. It's my understanding that they can no longer try to collect that debt once it's been written off AND they have 1099d that debt requiring us to claim it as regular income as a result of bad debt. However all five cards had been assigned to XXXX like 7 or 8 years ago. Again the debt has already been charged off and we claimed it as regular income as a result of bad debt on our 2019 tax return veripro continues to call us. I don't understand how they are able to continue to collect on it when both of those other actions have already taken place. Let 's say we were able to come up with the money to pay them, it would not be fair to us as the consumer to have already claimed it as regular income and then also pay them. We are then being double hit for the debt. We don't have the money to pay them but I don't understand why they are allowed to still call us when the debt has been written off and we claimed it on our tax returns as a result of them 1099ing us all five cards. Please advise how we can get them to stop calling us. Because we each at least five calls per day from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted Experian on XX/XX/XXXX in regards to an account on my credit file named XXXX  XXXX XXXXXXXX  Visa. They responded with their generic response that this item is being reported accurately. I then contacted Experian again on XX/XX/XXXX requesting that they re-investigate this account XXXX XXXX XXXXXXXX  Visa as being accurate. I advised Experian that I had also contacted XXXX  and XXXX with regards to the same account. 

XXXX reports status as Charged Off, Experian reports status as Transferred, closed, XXXX   reports this item not currently reporting on the credit file. 

XXXX reports payment history as XX/XX/XXXX OK, XX/XX/XXXX OK, XX/XX/XXXX 30, XX/XX/XXXX 60, XX/XX/XXXX 60, XX/XX/XXXX 90, XX/XX/XXXX C/O, Experian reports payment history as XX/XX/XXXX OK, XX/XX/XXXX 30, XX/XX/XXXX 60, XX/XX/XXXX 60, XX/XX/XXXX 90, XX/XX/XXXX 120, XX/XX/XXXX XXXX. XXXX reports this item not currently reporting on the credit file. 


I asked Experian how is it that all 3 major credit bureaus are suppose to report only accurate information, that they are the only bureau that has come back stating this account is mine and reporting accurately. I advised Experian that I believe their information to be inaccurate. I asked Experian to please send me names, address and phone numbers, who they contacted at the company and copies of documents with my signature showing that I have opened this account. 

I still received the same response that they verified the information as accurate. 
So they want me to take their word for it, however they will not take mine. 

This inaccurate information is jeopardizing my chances with a company that I have applied for a job.

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 2020-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I got approve for borrower defense forbearance to delay my loan until 2023, however ECMC has refuse to remove default status on my loans, credit report and put my loan forbearance.

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 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Since XX/XX/2020 I have been trying to access my account through American Express Serve! I received my unemployment deposit into my account and immediately after that there were two transactions that were made without my approval ( I did not make these transactions ). I called the company numerous times. I finally got in contact with someone and told them about these unauthorized transactions, while I was in the phone the customer service representative proceeded to tell me that there was a different email address ( not my primary email that I registered with ) on my account! Meanwhile Im on the phone ..whoever hacked into my account kept changing my password and email and spending money at XXXX XXXX in New Jersey ( I live in Georgia & never been to New Jersey a day in my life ). I had to change my password and account 6 times!!! After my conversation with the customer representative he told me that he changed my email back to the original one and was going to forward me to the fraud department so I could report the fraud purchases. I was literally on the phone waiting to talk to someone for 6 whole hours!!! No one picked up. Ive been calling everyday since then and no one picks up. Ive also been trying to log into my account since then and I cant login. Every time I try to reset my password it wont allow me to and I have no idea what is going on with my account! I am also unable to use my card anywhere!!! I have a business to run and a family to feed and this is REALLLLLLLYYYY making me upset! How is that something is going on with this system and theres no communication as to where my money is or whats going on with my account!! I need answer FAST

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My mortgage was serviced by Wells Fargo was paid in full on XX/XX/2020. I was told by Wells Fargo I could provide routing/account information to have my escrow balance ( {$4100.00} ) sent electronically. I called XX/XX/2020 and a woman took my account information. Later she told me she could not send it electronically, only transfer it to a Wells Fargo account. I'm sure this is a ploy for them to open up more accounts without customer 's permission. 

I've called Wells Fargo multiple times regarding their escrow refund process. Each person seems to have a different story, fake promises of being called back, and passing the buck to someone else in the organization. Wells Fargo opened a new case, after not resolving the last, and claim they won't have a resolution for another 10 business days ( XX/XX/XXXX ). I want Wells Fargo to send me my remaining escrow without further delay.

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 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase credit card claims trip insurance. My claim fully qualifies in all ways to this policy. The claim is handled by XXXX XXXX XXXX  ( XXXX ). 

They require an extraordinary amount of document, all of which I provided. I went back and forth with them 5 times from XX/XX/XXXX to XXXX of XXXX. 

When I finally submitted all of the required documents, they started asking me for the same documents that I already provided. 

Clearly they have no interest in honoring this policy. 

I have notified Chase of this problem to no avail. 

Should check the number of times this company actually pays customers back. Whether or not Chase is unaware of this is unknown to me, but they're not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
I requested a forbearance on my mortgage and the company made the forbearance retroactive to a period before I applied for the forbearance and only permitted me two months forbearance although the CARE Act permits up to 180 days at the request of the borrower. When I called the mortgage company ( AmerhHome Mortgage ) to request that this issue be fixed they said they would not make any changes that I could call back after the end of the two month period they gave me and ask for an extension. When I told them that the CARE Act permits up to 180 days they said they did not start allowing that until Thursday ( XX/XX/2020 ). When I pointed out that the CARE Act was passed on XX/XX/2020 and that their actions were in violation of the law they said that there was nothing that could be done. I then asked to speak to a supervisor and I was left on hold for over an hour and no one ever picked up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TriVerity, Inc.
State: LA

Complaint narrative:
1. According to the FDCPA, my federally protected rights have been violated. In XX/XX/2019, I, XXXX XXXX XXXX was contacted via phone by CU RECOVERY, in reference to a debt. This was their ( CU RECOVERY ) first time contacting me. While I was on the phone, the agent never told me that I had the right to ask them ( CU RECOVERY ) to " validate '' the debt, which is my right under 15 U.S.C. 1692I.

2. Also, as a consumer under the FDCP, my right to privacy was infringed upon, due to the fact that I never gave the debt collector ( CU RECOVERY ) permission to contact me directly via phone. The debt collector ( CU RECOVERY ) also had a my previous address on file which is another source of contact infornation they never receieved from me directly. 
3. Also, under 15 U.S.C 1692b, the debt collector ( CU RECOVERY ) were not supposed to use a logo on any documents, nor were they supposed to acknowledge that the notice was an attempt to collect a debt. As I stated above, the address they ( CU RECOVERY ) had on file was a previous address, which means that they possibly mailed a notice to my PREVIOUS address, which means they possiblly communicated with someone else other than me in reference to the debt, which is also another infringment on my right to privacy. 

THE AMOUMT OF THE DEBT TOTAL IS {$28000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I signed up for Experian to improve my credit. Today, XX/XX/2020, I received an email from them saying to improve my credit get a XXXX XXXX that they matched to me. I took their advice and submitted application for the XXXX card. I was immediately denied and got an alert within seconds that said my credit score had been lowered by 12 points due to a hard inquiry on my credit report. If I wanted to dispute this to contact their customer service. I called customer service at Experian and the lady I talked to said this not disputable. I would need to contact Consumer Finance Protection Bureau.

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 2020-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing Inc just took over the mortgage on XXXX XXXX XXXX XXXX XXXX sent me a letter last year XXXX XXXX to start making payments to Select Portfolio Servicing Inc. I just received upon request a Satisfaction of Mortgage Dated XXXX XXXX Mortgagee hereby acknowledge full payment of the debt secured by the mortgage and direct the Clerk of the Circuit Court to cancel of record. This mortgage was paid off in full and I have not received my Mortgage Deed. Instead Im still making payments to someone Portfolio mortgage brokerage account. Its not closing on a mortgage I wanted to get a payoff because I knew this mortgage was paid off in full. They would never give me a answer concerning when I ask this mortgage should have been paid off no response from Select Portfolio Servicing Inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XXXX I have disputed accounts with Experian, XXXX  and XXXX. Accounts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have reported on my credit report. I have requested documentation from all companies listed above including all credit agencies. 

What was requested : Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : XXXX has never responded but credit agencies reposed as validated and never supplied proof which was requested. 

XXXX is now being sued by me in regards HIPPA violation and still reporting as valid with no proof from credit agencies. 

XXXX and XXXX never responded to the original letter and should have been removed after 30 days of no response. Credit agencies still report as vaild without validation. 

XXXX XXXX  has not been validated there has never been any business conducted with myself or this company and has not been validated but still reported as valid. 

The credit reporting agencies have ignored my request and have not supplied any supporting documentation that these accounts are valid.

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 2020-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
We have two leased vehicles with TMCC and have made every payment on line with XXXX. TMCC has been crediting both payments to loan number XXXX ( XXXX ) since XX/XX/XXXX. TMCC repossessed the loan number XXXX ( XXXX ) on XX/XX/XXXX. It is clearly their error and it cost us {$2100.00} due to their error. We just received a letter they are repossessing it again. I am truly lost and need some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Attempted to dispute a NON-APPROVED charge on my card. Very little help on website-lots of rerouting and sales pitches, diversions. Eventually reach a rep who then states she has to transfer me again-while on hold the call is disconnected.? 23minutes just to call back and get the same recordings and routing. Did not bother to continue. This compamy has pulled this before and even before that on my mortgage. These delays allow them to add charges for forgotten paperwork, diversions, promises etc. I was stuck with {$60.00} in fees the last time since they continue to charge fees while helping me resolve issues. Why with all this credit card fraud and known illegal billing are they allowed to continue-forcing we customers to enlist a lawyer at higher costs and minimal resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of america closed my business cash rewards credit card, and forfeit my rewards of {$2800.00}. 

And i requested to redeem around {$2000.00} rewards before they closed this account but due to the bank reason the redemption did not go through, the redemption record should exist on the website, but they immediately closed my online access to the credit card when closed this account. 

Plus, when i tried to contact them, you can not imagine how hard to catch hold of someone from boa credit dept, especially when they know it was me, they put me back to the line to wait, canot imagine the public co reputed BOA rep did this unprofessional, disgusting way! 

Three points : 1st, i dont think the reason why they closed this account is strong, i had been paying the card on time, only one time was late before they closed it. 
2nd, they should not forfeit my {$2800.00} cash rewards 3rd, they should not stop my redemption go through when i redeemed before they closed the account.

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 2020-04-20 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/XXXX I received two unsolicited Navy Federal Credit Union Visa credit cards. I have never at any time had contact with Navy Federal Credit Union for any reason. 

In XX/XX/XXXX I received a letter indicating that a checking account and a savings account had also been opened in my name. I called Navy Federal, filed a fraud report ( attached ) and was told that the issue would be resolved and the accounts removed from my credit report. Navy Federal informed me that nothing had ever been charged to the credit cards, a nd no checks had been written on the checking account. 

In XXXX of XXXX I checked my credit report and the credit card was still showing, with a balance of roughly {$12.00}, and a note that payment was over 30 days late. It had a very deleterious effect on my credit score. I called Navy Federal again and tried to work through this issue again. It seems that Navy Federal had charged the {$10.00} to the credit card account to expedite shipment of the credit cards I never applied for to me. 

Today, XX/XX/XXXX, I received two collections letters from Navy Federal dated XX/XX/XXXX and XX/XX/XXXX. One informed me that this fraudulent account was now 60 days past due and that it was an attempt to collect {$12.00}. The other informed me that because I had failed this debt I never contracted or incurred, my credit card interest rate was being escalated. 

Navy Federal has, since XXXX, been supposed to provide me with documentation that this issue has been resolved. Other than these fraudulent dunning notices, I have received no communication from them at all. I have requested copies of all communications, internal and external relating to me and these fraudulent accounts, and been given nothing at all. I requested that all record of me be removed from Navy Federal 's system, including name address, and all identifying numbers and been stonewalled on this as well.

Navy Federal has behaved recklessly in allowing these accounts to be created without verifying the identity of the person requesting them. They behaved incompetently in  addressing what is a purely internal problem. I have been treated from beginning to end as if I were the problem and it is clear that their business convenience is far more important than redressing injuries their carelessness causes innocent parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief