vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My credit card is supposed to have travelers insurance. During hurricane Irma, my trip got cancelled. I was able to file a claim with the airline directly and get a refund for that. 

My hotel on the other hand, I could not get a refund, they could only offer another date during the year, which at this point wasn't really an option for me since I am now overseas. 

I filed a claim with my credit card and submitted all the documentation required. They still said I was missing documentation and I could never get a clear answer. It seems like they closed my claim at this time. 

There was plenty of documentation I sent, that I don't really have access to at this time, but the documentation being submitted here, should be sufficient enough to show my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX I read an e-mail from XXXX regarding a new debit card that was mailed to my home address. I had not received the card, so I logged into the XXXX web site and noticed unauthorized transactions. All POS Debit transactions from XX/XX/XXXX to XX/XX/XXXX are fraudulent. On XX/XX/XXXX I called XXXX and spoke to a customer service representative who transferred me to a representative in the fraud department. I received an Affidavit of Unauthorized Debit Card Transactions form which I filled out and faxed to them and a case number XXXX. On XX/XX/XXXX I received a phone call to answer additional questions about the fraudulent transactions. On XX/XX/XXXX I made a call to them about the status of the claim and they stated that the claim was denied. I filed a CFPB complaint, XXXX and received a letter from the bank with the details of why the claim was denied. I mailed a letter back to them disputing their claims on XX/XX/XXXX and have not received any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am alerting the CFPB that Navient continues to report a student loan that was to be expunged from my credit report as part of a class action settlement. I co-signed for the loan what was taken out for XXXX XXXX for the California XXXX XXXX XXXX that XXXX attended from XX/XX/XXXX-XX/XX/XXXX. We were making payments on time during the repayment period, later we were part of a class-action lawsuit against the school for misrepresentation and eventually won a settlement for full forgiveness of the loan ( See Paragraph 4 of the enclosed settlement, that forgives all amounts due ).

We continued making prompt payment during the litigation and only stopped payment after we were advised by the lawyers representing the class-action that it was ok to do so the settlement was underway. 
However, despite this settlement and agreement from Navient that we made inXX/XX/XXXX to expunge the loan from our credit reports, the account is still showing up on my credit report as an unpaid charge-off account and with late payments for XXXX andXX/XX/XXXX Both these reportings are incorrect. I have enclosed my payment history with Navient that shows no lapses. 


Attached : Excerpt of my latest credit report ( show 's Navient reporting unpaid charge-off ) Copy of Class Action Settlement against Servicer & School Prior Payment history with Navient

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cadillac Accounts Receivable Management
State: KS

Complaint narrative:
XX/XX/2013 a Collection account was placed on my credit file. Amount {$240.00}. 

There has been no notification of this debt. I have mailed this collection agency twice with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX I filed complaint number XXXX with the CFPB. In response to the referenced complaint, you claimed to take consumer protection obligations very seriously ; However, based on the evidence you provided in your response, regarding reference number XXXX, is it clear that your company is engaged in the ILLEGAL practice of re-aging of an account. 
Section 623 ( 5 ) ( A ) of the FCRA clearly states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Upon reviewing the information you provided in response to complaint number XXXX, it is clear that the account 's date of first delinquency ( DOFD ) was in XX/XX/XXXXor a date earlier than XX/XX/XXXX reported on my credit file. While you claim that it is your right to report to the major credit reporting agencies, the act of knowingly reporting misleading information or engaging in account re-aging is ILLEGAL.

By changing or failing to provide the date of first delinquency, the FCRA compliance date, it is clear your intend is to reset the clock so as to have more time to collect on this alleged debt. I would like to remind you that it is ILLEGAL to change the purge from date on a negative listing causing it to remain longer on a consumer 's credit report longer than allowed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Globe Acceptance, Inc.
State: NC

Complaint narrative:
I have a loan through XXXX XXXX on a vehicle. Ive had it for 3 years with only 11 payments remaining. My payment Is due on the XXXX each month and this month I had to wait till the XXXX to pay. XXXX, a gentlemen at the company called my work 7 times yesterday. I was busy when he called but he was giving out information about my account to other employees and even threatened to send someone to my job if they did not have me call back. The collection tactics with this company are unreasonable and completely illegal. I am also speaking with an attorney about rights that were violated by the comments made to employees at my job. I will be pursuing a lawsuit within the next 2 weeks. With the written statements I have from work and clear violations this company has made, theres more than enough to put them back in their place

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have a XXXX XXXX which is administered by Synchrony Bank. On XX/XX/2018, Synchrony Bank withdrew {$820.00} from my checking account as an automatic payment for my statement. They should have reduced this by {$190.00} which I paid independently of the auto payment. Worse, they have not credited my account for the {$820.00} as of today, XX/XX/2018. They have credited the {$190.00} which I can use for credit. 

I was told there was a hold on the {$820.00} since it is a large payment, despite the fact that they withdrew the money from the same account as all previous payments including the {$190.00}. Further, the checking account shows the money has cleared my bank. 

I think this is fraud. I am told that I can not use the {$820.00} until XX/XX/2018. There was no warning. They are illegally denying me the credit promised. 

They seem to be above the law.

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 2018-04-06 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: NC

Complaint narrative:
The credit reporting agency Experian has failed to provide me with copies of the documents being used to validate an account on my Credit report with them. The account is with XXXX  XXXX XXXX and they are acting as a debt collector trying to collect this debt with fraudulent documents. I have requested copies of the documents being used by the creditor but Experian has failed to provide me with the copies of the documents. I also want to be provide a copy of the business license 's for the lender listed on the documents being used by the creditor XXXX XXXX XXXX and the Lender being XXXX XXXX XXXX XXXX whereby showing they were licensed in the State of North Carolina in 2002 as a mortgage lender and were licensed to originate and fund a mortgage loan, but I have documents that state the above lender XXXXXXXX XXXX XXXX XXXX XXXX is fictitious and does not exist. XXXX  XXXX XXXX is committing fraud trying to collect this debt since they are not listed on the documents as having funded this debt. Without being provided proof of the above I request that the account with XXXX XXXX XXXX be deleted from my credit report with Experian credit reporting agency.

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 2018-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My dad is the owner of a restaurant he accepted cards. So I am the one in charge of the financial with Bank of America so I was watching the batches of friday XX/XX/XXXX of XXXX it appears the Saturday XX/XX/XXXX XXXX it appears to but the one of Sunday XX/XX/XXXX XXXX it does not appear there are some charges of the bank of XXXX and late fee XXXX. And another one so I call the bank and I told them that what happened to the of Sunday that it does not appear in my statement so they tell me that it was a charge from the bank to but my point is why it does not appear on bank statement I want to see it. It was XXXX batch of Sunday XX/XX/XXXX and even argued with them but they dont not solve nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX I filed complaint number XXXX with the CFPB. In response to the referenced complaint, you claimed to take consumer protection obligations very seriously ; However, based on the evidence you provided in your response, regarding reference number XXXX, is it clear that your company is engaged in the ILLEGAL practice of re-aging of an account. 
Section 623 ( 5 ) ( A ) of the FCRA clearly states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Upon reviewing the information you provided in response to complaint number XXXX, it is clear that the account 's date of first delinquency ( DOFD ) was in XXXX of XXXX or a date earlier than XX/XX/XXXX reported on my credit file. While you claim that it is your right to report to the major credit reporting agencies, the act of knowingly reporting misleading information or engaging in account re-aging is ILLEGAL. 
By changing or failing to provide the date of first delinquency, the FCRA compliance date, it is clear your intend is to reset the clock so as to have more time to collect on this alleged debt. I would like to remind you that it is ILLEGAL to change the purge from date on a negative listing causing it to remain longer on a consumer 's credit report longer than allowed by federal law.

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 2018-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA owes me {$290.00} for overpayment on my car loan. They sent a check last year without notice and it expired. For 5 weeks now, Ive called in an attempt to collect my money. For 3 weeks in a row they told me the check was sent out and it hasnt been. I need my money now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RMS-Recovery Management Services, Inc.
State: NY

Complaint narrative:
I forgot the name of the agent, however upon speaking to her several times trying to explain to her that I could not afford any of the options she was giving me. She told me that I had to figure it out ( somewhere along the lines of that ) and then hung up on me. I called back and told her that I no longer wanted to speak with her via voicemail because no one answered. However she kept calling me to the point that I needed to block her number. On top of that, I did not know that I could dispute my debt with the school and there is also a XXXX $ collections fee that I have to pay them just to take my account. I tried taking out a personal loan from XXXX XXXX to pay them. But XXXX XXXX XXXX was not willing to move the date back to clear my loans for the semesters that I was not paying. The letters and phone calls to my house continued with lines that said We recommend that you pay the XXXX $ in full or We have not discussed any ways that you plan on paying when I infact DID tell her how I planned on paying. In my most recent letter she pretty much lied about her not being able to contact me and not knowing how I planned on paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
There is an address that does not belong to me, I have never been to or lived there. 
Please remove from my credit report XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ARIZONA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, my account was positive {$20.00} dollars and {$20.00} in my savings. On XX/XX/XXXX, I was charged with 2 separate {$35.00} overdraft fees and 1 {$12.00} overdraft fee. Despite no extra transactions taking place on XX/XX/XXXX, I was wrongfully charged. The company was Bank Of America.

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 2018-04-06 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: IL

Complaint narrative:
Inaccurate information on my credit report Experian is refusing to take off the negative information and investigation team is not doing their job. My bankruptcy is XXXX owe and XXXX claim.counts are fully paid off and never been late.

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 2018-04-06 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: IL

Complaint narrative:
Inaccurate information on my credit report XXXX is refusing to take off the negative information and investigation team is not doing their job. My bankruptcy is zero owe and zero claim.counts are fully paid off and never been late.

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 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I pulled my Experian credit report and noticed they have 10 variations of my name and 9 of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States  Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations.

I received a response to go track down whoever is reporting these incorrect names & addresses. 
As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. 
The other credit reporting companies had no problem updating my information and removing all others. 
I am not going to chase down 13 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct.

They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed.

They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information.

I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.

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 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have a company by the name of XXXX XXXX attempting to collect on a debt ( s ) that arent mine and that Im not aware of. I went on the website and theyre 2 different accounts listed for me that I have no knowledge of ever having. One is for XXXX XXXX through a XXXX XXXX and trust and for a XXXX XXXX XXXX. One reports on my credit report and the other one does not. This is an error. The amount reported is {$710.00} and last reported on XX/XX/XXXX. Also theyre are payments that are listed on the website for XXXX XXXX for XX/XX/XXXX for 2 different amounts, one for {$55.00} and one for {$69.00}, neither of which were paid by me. I need some validation and for these accounts to be closed and removed from my report because they do not belong to me and I have had no communication from this company regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 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: Innovis
State: MO

Complaint narrative:
I have no idea what this hard inquiry was as I started looking at my credit report I saw this and didn't authorize this nor do I know what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I deposited {$6500.00} using ACH and I can not withdraw my money. I already submitted CFPB complaint a 3 month ago, and they simply replied that I was able to access my fund which is total lie. I need my money back. When I called their customer service, they kept me in an egg-chicken situation where there is no solution. 

The egg-chicken situation is : In order to access USD fund, they need to perform country-change in my account. 
But to change the country, they need to empty any fund in USD. 

It has been a quarter of year since I started complaint. And Coinbase simply has done nothing except lying about my case and keeping me in a fraudulent loop.

Company response to consumer: Closed with explanation