vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a complaint prior to this one with no response. In the interim my wife and I can not secure credit for new family projects due to the credit information being provided by EQUIFAX that does not appear on the credit reports of the other two bureaus. Now seems personal and extremely bias/racist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OK

Complaint narrative:
I have already disputed this debt with XXXX XXXX, I disputed that the debt was not mine they could not produce any documents that would validate, they were told that a ftc fraud affidavit would be made if they didn't correct there mistake. They removed it from the credit reports, now they have sold the debt to XXXX XXXX, I have filed the fraud affidavit with the FTC and submitted it to the credit report agency 's, if XXXX XXXX doesn't remove from all three credit report agency 's, I shall be force to take legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
The lender changed closing dates and times twice and did not communicate with closing company. They cost parties money by doing this. When getting confronted about closing changes they stopped a close date again. At closing the package that was emailed over was full of errors. Thankfully XXXX XXXX were able to find errors and fix. The closing was set for XXXX. By the time the lender sent over correct paperwork it was XXXX XXXX. All parties waited. Completely unprofessional.

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 2019-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Company called credence resources called demanding money today or will be on credit report. Refused to give me XXXX XXXX  number to verify this. Received nothing in the mail regarding this either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This is related to account ending with XXXX for Gap Inc. Visa Signature card issued by SYNCHRONY BANK On XX/XX/2018 - there were 2 fraud transactions made on account. I called customer service to ask about the charge and specifically asked if my card details are compromised. Here is what the response was - no there is no issue with the card. And 2 transactions are same amount credit and debit so there will be no impact on balance Then on XX/XX/2018 - there were almost 10 transactions made costing to in total of $ 2000+. I called back again to customer support and then the card was closed. 

In those 10 transactions on XX/XX/XXXX - there was one transaction from XXXX for $ XXXX for which I tried with credit card company to open the investigation 4 times ( XXXX, XXXX, XXXX, XXXX ) but always it got declined. All other transactions were found as fraud and balanced. 

Based on bank investigation, they are claiming that XXXX has shipped the item so charges can not be put in fraud. 

Here are some of questions that I asked to credit card company and never got answer ( credit card company has {$0.00} Fraud Liability claim policy ) : 1. I  have never purchased anything with XXXX, so can they supply a proof that they have any proof of legitimate notification as part of this sale or any notification sent as part of shipment notification 2. If there were so many other transactions that happened on XX/XX/2018 which investigation team found out to be fraud, does it not logically make sense that this might be one too 3. Investigation Team from the bank never reached out to me as part of 4 round of investigations. Not sure how they decided on this fraud case from other side. 
4. I never ordered any thing, neither I got a notification of any shipment so I never collected the package ( as I live in apartment ). So is it not possible that even though XXXX sent the item but package got trashed/misplaced during the holiday period Not sure what next an be done for the same.

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 2019-04-25 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: SC

Complaint narrative:
I have a collection placed on my credit reports from XXXX XXXX XXXX. I disputed the account and filed complaint. In turn XXXX XXXX XXXX sent me a billing statement from XXXX XXXX XXXX. The billing statement has my name and a wrong address, and an account balance, that's it. Before disputing the account I was informed the account was opened online. According to the FDCRA inaccurate information on a consumers credit report has to be properly validated and verified. A billing statement is NOT verification. The correspondence also states that I must prove that I did not open the account. XXXX XXXX XXXX and XXXX XXXX can not prove I did. It is not my job to prove to a collection agency anything. It is their job to prove I did and then follow the law, and to stop using illegal tactics to collect debts that they can't verify or validate. Also I was sent a fraud packet that I have no problem completing without sending my personal information. I will send the information to XXXX XXXX XXXX who is NOT reporting on my credit reports. XXXX XXXX XXXX is a collection agency that I have never did any business with for goods or services. I did not open this account and I do not know who did. What I do know is the account has not been properly verified according to the FDCRA. Also after my complaint and disputes the account is now reporting twice ( duplicate ) on my Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MS

Complaint narrative:
My student loans are in default. XXXX & Fed Loans turned over my student loan debt to a collections company in Arizona known as XXXX XXXX XXXX. I have made numerous calls to the firm to no avail. I have waited on hold for hours for no answer. I did receive one answer and was promised a call back which I never received. I am trying to get my loans out of default and avoid the attorney fees which added roughly {$15000.00} additional dollars to my debt. 
My debt span is {$37000.00} the loan origination dates ranged from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Penn Credit Corporation
State: OH

Complaint narrative:
This account was opened without my authorization. I have since made arrangements to have this account settled with the understanding that this was a pay for removal arrangement per the original creditor

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: SC

Complaint narrative:
I have a collection placed on my credit reports from XXXX XXXX XXXX. I disputed the account and filed complaint. In turn XXXX XXXX XXXX sent me a billing statement from XXXX XXXX XXXX. The billing statement has my name and a wrong address, and an account balance, that's it. Before disputing the account I was informed the account was opened online. According to the FDCRA inaccurate information on a consumers credit report has to be properly validated and verified. A billing statement is NOT verification. The correspondence also states that I must prove that I did not open the account. XXXX XXXX XXXX and XXXX XXXX can not prove I did. It is not my job to prove to a collection agency anything. It is their job to prove I did and then follow the law, and to stop using illegal tactics to collect debts that they can't verify or validate. Also I was sent a fraud packet that I have no problem completing without sending my personal information. I will send the information to XXXX XXXX XXXX who is NOT reporting on my credit reports. XXXX XXXX XXXX is a collection agency that I have never did any business with for goods or services. I did not open this account and I do not know who did. What I do know is the account has not been properly verified according to the FDCRA. Also after my complaint and disputes the account is now reporting twice ( duplicate ) on my XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: AZ

Complaint narrative:
There are two XXXX XXXX?? credit cards on my account shown and one of them are in good standing, and XXXX is not mine, and try to fix it but coming back verified as correct but it is not correct its showing our joint account I am married to XXXX XXXX thats my spouse your other account shows the account XXXX XXXX Im disputing shows joint Responsibility this account was never mind at all, My report is very good until I saw this on my report and tried to disputed. 

XXXX XXXX XXXX {$10000.00} Opened 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 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On Sunday XX/XX/2019 I wanted to purchase an airplane ticket on XXXX XXXX, on their website, in the amount of XXXX When I submitted payment, using my Citizens Bank debit card, Interjet said that the payment was rejected. A few moments later, I received notification from Citizens Bank Fraud Division that suspicious activity had taken place ( my attempted purchase ) and that I should log on the Citizens website to confirm that it was a valid transaction.

I indicated that it was a valid transaction, and I received a message telling me to wait one minute to re-try my purchase ; I did, and this time it was successful.

A few days later I received notifications from Citizens, telling me that my balance was low, and then I had six ( 6 ) overdraft notifications and a overdraft transfer notification. After looking into my activity, I realized that Citizens Bank had put a hold on BOTH payment attempts, duplicating the funds used.

I contacted Citizens Bank customer service on XX/XX/2019 and they were not helpful at all.

Each overdraft comes with a {$35.00} fee, so this was a {$200.00} additional hit to me, and the transfer from my overdraft account ( $ 100.+ ) will also come with a {$12.00} or {$15.00} fee.

As of XX/XX/2019 Citizens still has a hold on {$780.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I applied for refinancing ( with cash-out ) of an existing mortgage that I had held for 15 years ( of which 12 were with Chase ) in XXXX and was rejected because " Chase 's lending guidelines only allow up to 75 % of LTV.. '' This seemed to me odd since, to my mind, I had a 30-year mortgage and I had never missed a payment and the value of my property had not in any way declined. On further enquiry it emerged that Chase had in its possession a Loan Modification Agreement that I had never seen ( but was supposedly signed by me ), on a day that was 3 weeks into my 8 week hospitalization in intensive care, was not notarized, was not witnessed by anyone who was identifiable, but extended the maturity date of the original loan by 12 years while reducing the monthly interest and principal payments by a whopping XXXX cents a month or XXXX cents a year. The original mortgage was a XXXX loan that Chase acquired in XXXX and it had a rate and payment caps meaning that it was a negative amortization loan. These loans were apparently banned for homeowners by Dodd-Frank in XXXX thus the need to " modify the loans '' to enable Chase to continue service them. Chase 's response to my complaints has been curt : Chase does not require notarization for loan modification agreements and the " signature on the loan modification agreement appears to match those on the original loan document. '' I feel totally helpless because Chase chose to " waive '' notarization of the Loan Modification Agreement which would have been the only way that both lender and borrower could prove that they entered into this agreement willingly and knowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: SC

Complaint narrative:
Americollect Inc. 
XXXX XXXX XXXX XXXX, WI XXXX Account Number : XXXX {$440.00} Account Number : XXXX {$55.00} Americollect Inc. Agent : This is notice to you that I am going to file suit against you for damages for repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq.

I received a credit alert from XXXX, XXXX, and XXXX that your company has flagged my accounts for collection. Exactly 2 ( two ) days from the date ; your Compliance Analyst apologized to my husband ( XXXX ) about this fraudulent account. Americollect Inc. has now fraudulently flagged my report. I do not now nor have I ever agreed to this contract! Proper documentation from Americollect Inc. was never provided for me to allow you to validate this alleged debt.

Amercollect Inc. has been proven to be a fraudulent 3rd party collection agency that violates its alleged clients patients H.I.P.P.A rights. ( see attachments ) *Provided proof of apology.

Any further contact in this alleged collection matter will be seen as an act of paper terrorism and mail fraud. You are not the HOLDER IN DUE COURSE and you have no standing in a U.S. Court.

You have 10 days from the date of this letter to remove this fraudulent account from my credit report and restore my scores or I will sue your company for a monetary amount in triple damages.

I urge you to take this extremely seriously as I have documented my case with witnesses and without error!

All further contact from you will be FULLY DOCUMENTED and added to the already existing evidence and made available as evidence in the Court action against you. 

Americollect has NOT responded and the accounts remain on my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: American Elite Recovery, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX at XXXX I called American Elite Recovery @ XXXX. I spoke with XXXX who started explaining to me what was going on with this account that I owed XXXX XXXX. She stated that they wanted to settle with me for {$300.00} but if the phone got disconnected that they would treat that as a refusal by me and they would have to move forward with Garnishing my wages. I advised that I wanted to set something up as well but that I would need more time to be able to look at my finances. She stated that she needed something right now. I advised that I could make a payment next week of {$10.00} to start off. At this point she stated that they didn't except any payments lower than the amount of {$50.00} and so that since I wanted just to pay {$10.00} she would need to start Garnishing my wages. I advised that she had not advised of the {$50.00} min payment prior to me advising of what I wanted to pay. She was getting very upset at this point. I advised at this time that since she threated me with Garnishing my wages that she could talk with my lawyer. At this point she lost it. Yelling at me saying " Why did you waste my time if you had a lawyer? ". I tried to explain that I didn't have a lawyer because I was trying to resolve this but since she threatened me that she could talk with my lawyer now. I attempted to give her my lawyers name and phone number. She would not let me talk and continued to yell at me and said something about my address and said that they would be garnishing my wages and hung up the phone.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA has continued to reorder transactions to maximize their fees in my account and delay USAA to USAA transfers to bounce transactions. I am " opted out '' and thus if I do not have enough money, debit transactions should be declined. Instead, they reorder charges to always process ACH transactions last, so debits always go through and they can charge overdraft fees on the ACH transactions. On XX/XX/XXXX I added {$200.00} to my USAA account from USAA brokerage. On XX/XX/XXXX a {$90.00} ach was bounced because even though USAA had my money and had taken it from my brokerage, they did not credit it to me until XX/XX/XXXX, essentially holding it themselves on the day of XX/XX/XXXX so it was available in neither USAA account and resulting in a {$29.00} NSF fee. Then, they charged another {$25.00} overdraft fee by reordering transactions that same day they had my money not credited to clear the ACH last instead of a debit last, which would have resulted in no fee, to say I was - {$1.00} because of an ACH. They continuously reorder fees to process ACHs last on people that are opted out to maximize fees, and also process largest to smallest then to maximize fees. In addition, they delay USAA to USAA transfers making the money available in neither account to hold money for a day to bounce items.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: Nicholas Financial Inc.
State: FL

Complaint narrative:
Nicholas Financial refused to report my account correctly to the credit reporting agency here is the proof I have never been late and although account is paid in full to them they see it as non important to correct account see attached reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I began working on another degree in late XXXX. Something about this enrollment and information received by Navient from the school caused Navient to put my loans into deferment without consulting me first. I contacted Navient and instructed them that I had not requested this change and that I did not want my loans in deferment. I requested that my loans be restored to the same terms as before since I had not requested this deferment. I wanted my payments to remain the same and I wanted my principal to interest ratio to stay the same. They assured me that this would not be an issue. 

They, however, reduced my payments from {$440.00} to {$370.00} which is essentially extending the length of my loan. My principal to interest ratio also changed. Previously, approximately 28 % of my payment was going towards interest. Now, 40 % of my payment is going to interest. I contacted Navient in XXXX and was told, in writing, that my payments would be restored for the XXXX payment. They were not. I contacted them again once I got my monthly notification for the automatic withdrawal and it did not reflect the change. I was told that it was too close to the date and that I would have to call and request this again after XX/XX/XXXX. 

I called again and was told that the issue needed to be escalated and that they would get back to me in a few days. It has been a few weeks and I have not heard anything. The XXXX payment came out at the reduced rate and I can see on their website that the XXXX payment is scheduled to do the same. 

I have reached out to Navient several times regarding this issue and can not seem to get this settled on my own. After several attempts, I do believe this is a deliberate act that needs to be investigated by a higher authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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:
These multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL My correct date of birth is not reporting XX/XX/1970

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