vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX and they have my information united with my brothers XXXX XXXX as if I own his house too when I dont .I am ready to upload our documents to separate our information. XXXX XXXX XXXX is the one that owns the house for XXXX XXXX XXXX in XXXX, nj XXXX, Not me.

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 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX and they have my information united with my brothers XXXX XXXX as if I own his house too when I dont .I am ready to upload our documents to separate our information. XXXX XXXX XXXX is the one that owns the house for XXXX XXXX XXXX in XXXX, nj XXXX, Not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion allowed XXXX XXXX XXXX to put inaccurate and incomplete information on my credit file. On XX/XX/2019, I wrote a letter to Transunion and XXXX XXXX XXXX stating for them to supply me with a signed original contract, so that I can establish a time period of the debt. I also asked for a full accounting of this account that will show payments made, if any. 
My request was simple and of reasonable nature. 
On XX/XX/2019, I received a letter from Transunion stating the reporting of this debt was verified as accurate. I also received several random bills from XXXX XXXX with three unrecognized random phone numbers. I have serious concerns about this account and the way that they are furnishing the information on my credit file. 
They is no history being reported which means that the information that's being reported in inaccurate and incomplete. 
Since Transunion has stated that they have verified this account, I now have the legal right to have them prove that they are furnishing accurate information to my credit reports. 
Again, provide me with an original signed contract and a full accounting of his debt. 
I have attached the letter that I sent to Transunion and to XXXX XXXX on XX/XX/2019.

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 2019-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/2019 I noticed my loan payment had not been taken from my checking account. I am on what they call a reduced rate program and they auto debit my account each month. I checked to see that my account was overdue and called to find out why the money had not been taken. I was told my program ended and I was responsible for the full payment amount. 

I had not been provided correspondence of the end of my payment program. I was told that information was available on my monthly statements. When I rechecked my statement there was no information about the end of my program date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: MI

Complaint narrative:
A garnishment was presented to my credit union for a judgment against my wife, whose sole source of income is social security XXXX, which is protected from garnishment. Since it is a joint account, they took my savings. I contacted the law firm and explained this to them but they stated that they intended to collect the debt even though they know that its not her money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NY

Complaint narrative:
I have not received a mortgage statement for many years, despite the fact that I am entitled to receive one by federal regulation. It makes it very hard for me to know how much I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive been trying to correct my credit report for the past 4 month because theres information on my credit report that does not belong to me theres account and inquiries that ive never done and never had and the credit bureaus wont remove it from my credit report ive sent all the documents and proof to the credit bureaus that these accounts and inquiries are not mines and still they wont remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I made my final payment to GC services for my XXXX credit card. I received a letter stating they will be reporting to XXXX that my account has been settled and paid in full. XXXX has yet to act and report to the credit bureau that this account has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I called XXXX to dispute the accuracy of a Nissan car loan first date of delinquency. I explained that the first date of delinquency was XX/XX/2012, not XX/XX/2012. I also explained that the other credit bureaus, XXXX  and XXXX, had also shown that the first date of delinquency was XX/XX/2012. I was later told that the inaccurate information would stay on the credit report. I was disheartened when the representative told me that they did not dispute the information from the creditor. 

The Dispute Confirmation Number for XXXX  is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
The issues are several with Paypal going back several years and include account takeover, fraud, discriminating, and charging my checking account without my permission. Paypal as always says so what we won't make good. The first was several years ago someone hacked my Paypal accounts that i had at the time, transferred all my Paypal credit balance and all money I had in the account to my other account and drew it off, and then deposited bad wire transfers to the account and tried to draw that off. I tried to get them to follow banking laws and refund the money and go after the ones who did, even got my Law Firm involved and they said so what. In doing so they hurt my credit.

Now they keep trying to do an ACH withdrawal on my account for {$11.00} which my bank declines hits me with an NSF Fee of {$29.00} each time. 

Paypal has also had where they either allow money to be transferred but when I dispute the transaction they won't do anything to make it right and when I have tried to send or receive from a friend or to a friend they decline it as fraudulent even when we confirm it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Contract Callers, Inc. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Utilities Client Name XXXX XXXX XXXX XXXX Original Amount {$550.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$550.00} Last Payment Date Whose Account Individual Account. 

Letter sent to XXXX, and their collection representatives now AT LEAST 4 times. 

I am writing this letter in response to the information your company has placed on my credit reports.. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you, and not an invoice. 
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license number and Registered Agent Number If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sent Via USPS TRACKING XXXX ADDITIONALLY : HAVE SPOKEN TO XXXX, REPRESENTATIVE OF XXXX ADMITTED VIA TELEPHONE CALL IN XXXX of XXXX THAT THE ACCOUNT USED TO WAS A FRAUDULENT ACCOUNT AND WOULD BE CLOSED/BLOCKED/BAN. 

XXXX HAS BEEN PROVIDED WITH COPIES OF MY STATE ISSUED ID AND COPIES OF MY TAX RETURNS FOR THE YEAR IN QUESTION.

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 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital one has charged excessive fees on my credit card account in excess of {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX I made my final payment to XXXX services for my CITI credit card. I received a letter stating they will be reporting to CITI that my account has been settled and paid in full. CITI has yet to act and report to the credit bureau that this account has been paid.

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 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened my CITI secured card in XX/XX/XXXX. By XX/XX/XXXX, my secured card was closed and my e statements were restricted shortly after that. In XX/XX/XXXX, on numerous occasions I called in to inquire about my Citi bank credit card. The debt is listed on my credit report as failed to pay. Citi bank has horrible customer service representatives that are not thorough when review information or providing the facts that I requested. I paid a security deposit to my account so when my account was closed the amount owed was XXXX. I was charged fees that were not valid and Citi has refused to address my concerns for the past year. In XX/XX/XXXX, I formally filed a dispute via mail and receive a generic response stating that Citi was favored in the dispute process which is overtly biased based on their internal team review the account. I never got information that I requested about contacting the credit management department or any other department beside their recovery team who have been little to no help. Their ways of handling consumers and their monies are erroneous. It's a power struggle working with a big company that has created a maze of tunnels so that consumers are frustrated befor their concerns are met with solutions. In summary, I do not owe any amount over the balance after my account was credited. I would like to have a manager from the credit department contact me about this matter. Also, I would like to be provided a letter with the date of closure and reason why the account was closed in the first place.

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 2019-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I received email communication from Capital One on XX/XX/2019 that my personal credit card account was closed due to inactivity on XX/XX/2019. I called Capital One on XX/XX/2019 and I spoke with a senior account representative who told me the account was first marked for closure on XX/XX/2019, and because over 30 days had passed since that time I am now ineligible to ask that the account be reinstated. My issue is that I did not receive any information from Capital One that the account was going to be closed within this 30 day time frame, and only heard from Capital One on XX/XX/2019 after the account was officially closed, therefore giving me no opportunity to request that the account remain open. As a result, this, my oldest credit account is now closed, my available credit is decreased, and as a result my credit score is negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST
State: CA

Complaint narrative:
First, Bank of The West refuses to grandfather me into their " Free For Life '' account, I opened on XX/XX/XXXX, where the counterfeit check was paid. A new account was opened. 

Second, on XX/XX/XXXX XXXX XXXX wrote a counterfeit check to XXXX XXXX for {$1100.00} he used my routing number, account number but not my bank information instead he used " XXXX XXXX XXXX XXXX California CA. '' On XX/XX/XXXX, while reviewing my XX/XX/XXXX/XX/XX/XXXX bank statements, for a project, I stumbled upon this counterfeit check. I completed the banks fraud form but was informed my funds would not be refunded. 

I do not know these people however, once the suspects are found, I will press charges. Thank you.

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 2019-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because XXXX, Transunion, and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone way pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to ... .. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible

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 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I hold a Chase Sapphire Reserve credit card and have used it consistently for roughly two years. I pay a {$450.00} annual fee to do so. On XX/XX/2019, I attempted to book travel through the Chase travel service, one of the benefits of the card. After an hour of poor service, the Chase representative ultimately billed me in duplicate 11 times, {$68.00} each time for a total of {$890.00}, both on my Chase card and on a separate XXXX card that they made me provide after being unable to bill my Chase card. 

When I saw these pending I immediately called in was assured these charges would not be posted. They were all posted. 

I was directed to contact their travel customer service at : XXXX. 

I emailed Chase multiple times in XX/XX/2019, called in again multiple times, and was assured each time not worry. 

After seeing no refund come through for any of the 11 duplicate charges, I have now emailed again multiple times in XX/XX/2019. My emails are no longer being responded to. Calling in, Chase representatives insist that I use the email. 

As I write this on XX/XX/2019, the 11 duplicate charges totaling {$890.00} that Chase billed me on XX/XX/2019 have not been refunded and I am unable to get an adequate response from anyone at Chase. 

Chase is a major institution and their credit card service is only a sliver of their business, but this conduct is unacceptable. I would not tolerate this from any business, let alone from a leading bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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:
Re : Formal Compliant against XXXX/XXXX and Experian To Whom it May Concern : This is a formal compliant against both the Creditor XXXX and Credit Bureau Experian, as both has failed to respond to my dispute letters addressing the inaccuracies of reporting negative items. On XXXX19, The initial certified letter was sent to XXXX and delivered on XXXX.19 signed by employee XXXX XXXX. XXXX has violated FCRA & FDCPA laws and failed to respond within 30 days of receipt of this certified letter. The second certified letter was sent on XXXX19 to readdress the inaccurate reporting that is listed on my credit file with Experian, once again this letter was delivered and signed for by an employee. XXXX has failed to respond within 30 days to this certified letter, and has again violated laws as mentioned previous. After XXXX failed to respond, I sent a dispute letter to Experian to address inaccurate reporting listed on my credit file on XXXX19, as it was delivered on XXXX19 and signed by XXXX XXXX. Experian has yet to send any type of correspondence within 30 days as expected by FCRA laws. And, has continually report negative items on my credit file.

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 2019-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XX/XX/2019, Navient switched my loan repayment from paper billing ( receiving a paper bill in the mail every month ) to some type of online billing for 2 loans. Prior to this switch, I made all of my loan payments on time. Two loans were not switched to online billing and I have continued to receive paper statements and make those payments on time. I did not initiate the change in billing. 

After being contacted numerous times by telephone regarding late payments, I investigated and contacted them at one of their toll-free numbers. I was informed that the online notices were going to two email addresses that were no longer valid -- one was several years old and one was a couple of years old. 

I requested that I begin receiving the paper statements again, immediately. I was told on three occasions -- once in XX/XX/2019 and twice in XX/XX/2019 -- that I would be switched immediately. I also received a weird form letter from Navient after the first call that indicated I had never been switched off paper billing. They continue to call and harass me daily for payments, but have never switched me back to paper billing.

Company response to consumer: Closed with explanation