vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent dispute letters and ID THEFT REPORTon XX/XX/19 to the Credit Bureaus, Equifax, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting negative information to my credit report as a debt collector. The debt they have reported is for {$300.00} from TCF NATIONAL BANK. I do not desire to work with a collection agency under any circumstances for this reported debt. The debt is with TCF NATIONAL BANK and I am able and willing to settle the debt with them. The reason the debt with TCF NATIONAL BANK was not been paid, is because I believe I was charged excessive fees for an overdrawn checking account. I've been in contact with TCF NATIONAL BANK multiple times regarding the debt but did come to an agreement for the settlement amount. I would like to settle this debt with TCF NATIONAL BANK directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
XXXX XXXX claimed they would be able to help with my student loans, they claim that they could take over my student loan payments, saying that they could lower my payments, and make them as low as {$45.00} per month. This all took place in XX/XX/XXXX. They then told me until my file was reviewed I would have to make a monthly payment of {$130.00} that was going towards my student loans. Every month on the XXXX, this was taken out of my account by automatic withdraw. I continued to make these payments until XX/XX/XXXX, when I came to find out that my file was still not reviewed and was not going to be reviewed anytime soon. Upon calling and making a request as to why it was not taken care of, I was given the run around and no answer was given. They also withdrew the funds earlier than what was agreed upon. I even tried to cancel the service, but I was unable to because of the run around I would get and all the processes I would have to go through to get it taken care of. This would lead to promises that my file was under review but as the next month came around it was still in the same spot as last month, and my student load debt was not going down any. I was finally able to end services in XX/XX/XXXX, but I received a letter shortly after that, from Navient Student Loan Services, saying that they hadn't received a payment from me. When I called them and explained the situation they said they had no record of XXXX XXXX contacting them to set up any kind of arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I got an alert on from my XXXX  Credit Bureau stating that there was an account that went into collection on XX/XX/2019 {$450.00}. I reviewed my credit report and seen that it was Phoenix Financial Services I sent a Validation letter certified mail on XX/XX/2019. Debt Validation Letter was received via Certified Mail on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received 2 more notifications from XXXX  that Phoenix Financial Services has flagged my account as Collections. On XX/XX/2019 I received a letter from Phoenix Financial Services which was a bill and not validation. Phoenix Financial Services has not sent me anything validating the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent dispute letters and ID THEFT REPORTon XX/XX/19 to the Credit Bureaus, XXXX, XXXX and TransUnion.

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 2019-02-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent dispute letters and ID THEFT REPORTon XX/XX/19 to the Credit Bureaus, XXXX, Experian and 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 non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I sent a certified letter to Resurgent Capital Services L.P., LVNV Funding, LLC and XXXX XXXX, XXXX on XX/XX/2019 asking for specific validation regarding an alleged debt. ( Letter enclosed ) On or about XX/XX/2019 I received a generic account summary report. ( Letter enclosed ) Prior to XX/XX/2019, I did not receive a dunning letter. I was also not given notice before/after of negative information being reported to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
USAA website and App are missing a transfer credit in my checking account. The transfer is shown on my XX/XX/2018 bank statement. A USAA phone rep and an Executive Resolutions rep have verified the discrepancy but have not been able to help me. 
Identifying discrepancies is difficult because USAA has just started identifying the origin of certain transfers but only on statements. USAA does not keep accurate online records for consumer accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have disputed this outdated information several times. They remove it and then wait and add it back with a later date. The loans are from XX/XX/2003. IRS has garnished taxes to pay balances yet they are still being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: VA

Complaint narrative:
I got an alert on from my XXXX  Credit Bureau stating that there was an account that went into collection on XX/XX/2019 {$450.00}. I reviewed my credit report and seen that it was XXXX XXXX XXXX I sent a Validation letter certified mail on XX/XX/2019. Debt Validation Letter was received via Certified Mail on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received 2 more  notifications from XXXX  that XXXX XXXX XXXX has flagged my account as Collections. On XX/XX/2019 I received a letter from XXXX XXXX XXXX which was a bill and not validation. XXXX XXXX XXXX has not sent me anything validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this outdated information several times. They remove it and then wait and add it back with a later date. The loans are from 2003. IRS has garnished taxes to pay balances yet they are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed this outdated information several times. They remove it and then wait and add it back with a later date. The loans are from XX/XX/2003. IRS has garnished taxes to pay balances yet they are still being reported.

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 2019-02-22 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: Nelnet, Inc.
State: TX

Complaint narrative:
Acccont information is being reported incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: UPGRADE, INC.
State: GA

Complaint narrative:
Someone opened an account fraudulently in my name. The company is still reporting the fraud on my credit report. I have contacted them and the credit bureau requesting that they block the items within 4 businesses per the FTC law. The company still refuses and is not assisting me with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Fidelity Services, LLC
State: IN

Complaint narrative:
XXXX ( XXXX XXXX XXXX ) invited me to their meeting in XXXX XXXX they promised to help increase the income over a {$1000.00} XXXX all I needed was {$8000.00}. to start with. and they assured me I have to pay from my new generated income which they will teach me how to make more money from the market. I agreed to this idea after that they had me sign me up few documents made me to sign while I was on phone with their executive. they didn't give me enough time to read or understand the programme. which they selected for me. after that they had me attend few online classes and asked me to give great reviews. they took {$4500.00} from me up front. and asuured me I will be earning minimum of {$1000.00} a month. after attending few classes I came to find out they want you to sign up for XXXX XXXX XXXX for any useful information. which cost extra {$50000.00}. they never helped me making extra {$1000.00} as promised after 2 years now I come to find out this debt collection company " Midwest fidality '' trying to collect {$23000.00}. with the interest rate of 17.90 %. and was asking me of detail information of my job and trying to pressure me to sell my car and get a bank loan to pay the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Acccont information is being reported incorrectly

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 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Acccont information is being reported incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Acccont information is being reported incorrectly

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 2019-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX I was behind {$4600.00} and received a statement. Planet Home Lending continued to accept our monthly payments as I had informed them of a year end bonus I could use to catch up on payments. I was still in chapter XXXX at this time and did not receive any more statements from planet home lending until after XX/XX/XXXX. In XX/XX/XXXX I converted the Chapter XXXX to a Chapter XXXX. At that time Planet home lending sent me a notice dated XX/XX/XXXX that I was now {$15000.00} behind in payments. I immediately called to try and understand what had caused the payment to jump so high. I was informed by Planet Home Lending they had found record of some " missing payments '' it was not and has not been disclosed if it is related to the chapter XXXX. At this time Planet Home Lending refused to accept our regular payment, demanding the {$15000.00} at one lump sum. When I entered into Chapter XXXX in XXXX the amount behind was {$8000.00}. I remained in Chapter XXXX until all of the debt was made current and then converted to Chapter XXXX in XX/XX/XXXX. I have cashier checks issued from my bank with mortgage account number and Planet Home Lending Printed on the check as receipts for all of the payments made to Planet Home Lending from XXXX to XXXX. Also I have the form 1098 for all years from XXXX to XXXX showing that the payments were made and received by Planet Home Lending. So far Planet Home Lending will not provide a transcript of payments to show what payments were made and which were not. I will be forced to file Chapter XXXX again to save my house, hopefully this will reveal some kind of record of what payments are in question. Finding missing payments does not seem like a rational explanation from Planet Home Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019 at XXXX I received email notifications from my Chase Bank checking account that indicated that multiple online wire transfers were made from my account. As I did not make any wire transfer myself and I spoke to my wife ( who is the joint holder of the account ) and got confirmation that she did make any transfer as well, I immediately called Chase Customer Service at XXXX ( XX/XX/XXXX ) and notified about the fraud activity and asked to stop/cancel the transactions. Customer service agent confirmed me that she immediately froze my account and the transactions will be cancelled and the money will be returned to my account. As to follow internal the procedure of Chase, she asked me to open a claim process which I did over the phone at the same time. However, after a long so-called investigation process, Chase denied my claim. I talked to chase representatives over the phone several times. I provided records to the alerts as well as my call logs with customer service. One of the  evidences indicates that the hackers changed my contact number in my account profile after they accessed to my account. But nothing changed the denial decision. Some supervisors were very rude over the phone and literally told me that Chase has nothing to do any more and I should try with external agencies. Now, the question is : 1. There were total 6 transactions made by the hackers who hacked my online account. Among the six, chase cancelled two transactions, but never canceled the other four. Chase is unable to answer why they did not take appropriate actions to stop other four transactions. Note that I informed them about the fraud activity in less than 30 minutes. 
2. Chase stopped 2 transaction based on my reporting on the fraudulent activity, how come they deny claim for other 4 transactions where I reported all of them as fraud transactions. All the six transactions were made to the same destination bank account. If Chase is convinced that two of them are fraud, then what is the logic that other fours are not? I believe that the investigation team is missing to see the whole event holistically and thus drawing a wrong conclusion. Or there might be mishandling of my fraud report and someone did not cancel the other transactions ; Chase is now trying cover that up. 
By doing this, Chase is making me to lose of a large fund of {$19000.00} and not taking any responsibility of its customers lose. The way chase is handling its customers case is total carelessness and lack of accountability which is not expected from a large Bank like Chase. 
I would like to request for a proper review and fair resolution of this case so that we get our money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi bank On XX/XX/2018, I opened a saving and checking account and I was told by the representative that I will receive {$400.00} bonus if I keep the accounts open and maintain the balance above {$15000.00} for 60 days which I did. 

After 60 days, Still no bonus, I called the citi. They said they need 90 days for investigation and ask me to keep the account and money in the account. 

This is a FRAUD ... 

Citibank case # 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 2019-02-22 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: AZ

Complaint narrative:
I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. Please CFPB, step up and remove the negative accounts as this greatly affected my credit score. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX   XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
When I took internet service through XXXX, they partnered with XXXX and added TV service. XXXX told there is no contract. I had to cancel the internet service under a month as the service was not good. So, I returned all the equipment and paid everything to XXXX. Few months after XXXX says, I have a contract with them and asking me to pay termination fee. Since, I never contracted with them directly and XXXX said there is no contract I refused to pay. I tried to resolve the matter with XXXX and XXXX  ( XXXX ), but they keep asking and finally sent to collections. 

First, I dont owe any money to them. I returned all equipments, paid all fee and have a receipt from XXXX that I don't owe anything ( XXXX bills are part of XXXX who is the primary/only deal I have ). I never spoke to XXXX To get the service at my home. But I had to call them as soon as I cancelled XXXX just to make sure I dont get overcharged and there could be communication disconnect. 

Now, The collections reported multiple times and multiple agencies on the same account. which I found it to be illegal ( multiple collection companies reporting same ) " XXXX XXXX XXXX '' is reported 4 times on my credit report via XXXX  ( when checked through XXXX  XXXX ) * XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Again, " Diversified consultant '' reported on XX/XX/XXXX This is harassing and trying to get XXXX $ which I never owe to them. Please take a legal action against these illegal practices. 

Because of them my credit score came down from XXXX to XXXX now and they continue to bring down by reporting it again and again! 

Here is the info of the 2 companies XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, MN XXXX ( XXXX ) XXXX Diversified Consultant XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Equifax 's website to freeze credit does not have a button for placing freeze but only have buttons for lifting freeze. See attached file. The same is true for XXXX. I believe they deliberately make the freeze very difficult for consumer to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I sent a certified letter to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX on XX/XX/2019 asking for specific validation regarding an alleged debt. ( Letter enclosed ) On or about XX/XX/2019 I received a generic account summary report. ( Letter enclosed ) Prior to XX/XX/2019, I did not receive a dunning letter. I was also not given notice before/after of negative information being reported to all 3 credit bureaus.

Company response to consumer: Closed with explanation