vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: FL

Complaint narrative:
I have not spoken to this company in over 6 months. They took {$100.00} from my credit card account today on XX/XX/XXXX I did not authorize this or speak with them about it. 
This is not the first time they have taken money without authorization. I had a lot of problems with them last year. I was paying them {$100.00} on the first of every month for 7 months ( XXXX ) After that was up they called me to renew my payment plan. I agreed to {$100.00} a month in the first of every month. They proceeded to take {$100.00} not on the XXXX. They took the payment out on the XXXX, 2 weeks early. They even took 2 payments out one month. I called them about this and they told me they were taking nexts months debt that day as well. Which was not authorized. Then she tried to tell me I havent paid in 4 months. I had reoccurring automatic payments every month. They had taken {$500.00} out of my account in those 4 months and told me I didnt pay them anything. I proceeded to continue to do business with them, until they get again started to take payments without my authorization on dates that were not discussed previously. This resulted in their not being enough money in the account they that were trying to take from because they were trying to take payment 2 weeks early. I stopped doing business with them because of this. I havent spoken to them since XXXX of XXXX. It is now XXXX of XXXX and they took {$100.00} today unauthorized. On XX/XX/XXXX. I told them multiple times last year that I just wanted to pay my debt {$100.00} every month continuously. One of the guys even threatened to charged my account for the whole debt if the payment ever bounced. As in, if I didnt have enough money in my account he said they would then take the entire amount that I owe from me. I made sure money was there to be taken out {$100.00} on the first. I told them if they would stop messing with my account that they would get the payment properly. I only had enough to give them the {$100.00} on the first in that account. There are more dates than I just listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thomas George Associates, Ltd.
State: PA

Complaint narrative:
XX/XX/XXXX I was contacted by Thomas George Associates LTD., in regards to a claim stemming from XXXX XXXX XXXX for {$2500.00}. for a loss claim of a accident that occurred on XX/XX/XXXX via letter dated XX/XX/XXXX. I called TGA on XX/XX/XXXX and spoke with an agent, to gather validating information for this claim. I was told that the vehicle involved was a XXXX XXXX XXXX that I was driving. I explained to the agent that I have never owned or driven said vehicle and I was not the individual they were looking for. I believe this possible case of identity theft as I have a common name and this is not a valid claim against me as I have been sheltering in place during this pandemic. I was contacted in XXXX and I did not respond as this is not a valid claim against me. I received a second communication on XX/XX/XXXX, from XXXX XXXX, Attorney, for further collection of amount due. I called directly on the date received and after being on hold for a period of time I disconnected the call and lodged this complaint regarding this collection action on non-valid debt and claim.

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 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I booked a flight though Chase XXXX on XX/XX/2020. On XX/XX/2020, XXXX XXXX XXXX cancelled this flight due to COVID-19. Instead of issuing a refund for the flight as required by XXXX regulation, Chase XXXX accepted a flight voucher as compensation for my flight. XXXX XXXX XXXX is not currently flying due to bankruptcy issues, leaving my credit useless. this amounts to over XXXX in lost money. 


Chase XXXX has made no attempts to comply with XXXX regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: TN

Complaint narrative:
credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be delete these companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable. 

XXXX  refuses to reflect changes that have been made instead they send generic response about a 3rd party disputing on my behalf. ( I am not 3rd party ) XXXX  REPEATEDLY ignores requests from companies which make it impossible to get corrections handled without threatening to file a complaint and this is even after presenting documents. They take months to respond unless you are filing a complaint then they respond within 24 hours .This is very funny to me that it takes these steps to get a response deletions need to be as soon as possible because I have been disputing since last year to get this fix. These are harming my credit and the lack of action being taken is ridiculous. Please ensure that XXXX  follows suit and honor all documents for accuracy

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 2021-04-19 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: NY

Complaint narrative:
I sent notice to all the bureaus that i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
hi, My name is XXXX XXXX XXXX. My Chase bank account number is XXXX. Somebody stolen my check a year ago. This check was supposed to pay my property tax. The burglar use the fake ID and also altered the check. The thief went to XXXX XXXX cashed the check. I contacted the chase claim department 9 months. They said I will get my refund in 2-3 months. But they were lyiing to me again and again. I went to branch twice to submit my documents. After one month they called me that they need my property tax bill. I gave it to them. They always have excuses when I called them. I just contacted the executive office. They said I didnt give them the property tax bill. They have to reopen a claim for me again. This was a lying. I was so mad about this. They treat poor people like a trash. They dont care about our situation during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America showing I owe money but I dont not violations

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 2021-04-19 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: TN

Complaint narrative:
credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be delete these companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable. 

XXXX refuses to reflect changes that have been made instead they send generic response about a 3rd party disputing on my behalf. ( I am not 3rd party ) XXXX REPEATEDLY ignores requests from companies which make it impossible to get corrections handled without threatening to file a complaint and this is even after presenting documents. They take months to respond unless you are filing a complaint then they respond within 24 hours .This is very funny to me that it takes these steps to get a response deletions need to be as soon as possible because I have been disputing since last year to get this fix. These are harming my credit and the lack of action being taken is ridiculous. Please ensure that XXXX follows suit and honor all documents for accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: TN

Complaint narrative:
credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be delete these companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable.

Experian refuses to reflect changes that have been made instead they send generic response about a 3rd party disputing on my behalf. ( I am not 3rd party ) Experian REPEATEDLY ignores requests from companies which make it impossible to get corrections handled without threatening to file a complaint and this is even after presenting documents. They take months to respond unless you are filing a complaint then they respond within 24 hours .This is very funny to me that it takes these steps to get a response deletions need to be as soon as possible because I have been disputing since last year to get this fix. These are harming my credit and the lack of action being taken is ridiculous. Please ensure that Experian follows suit and honor all documents for accuracy

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 2021-04-19 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a report stating that these accounts are not mine and that my identity may have been stolen which I have included with this message. I have listed the accounts below. 
I have no idea how these fake items ended upon my credit profile but I want you delete them because I do not want to have someone else accounts in my profile or misleading info. Please delete them asap as its complete fake

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 2021-04-19 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a report stating that these accounts are not mine and that my identity may have been stolen which I have included with this message. I have listed the accounts below. 
I have no idea how these fake items ended upon my credit profile but I want you delete them because I do not want to have someone else accounts in my profile or misleading info. Please delete them asap as its complete fake

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hello! I have had a loan with Navient ( formerly Sallie Mae ) for XXXX years now. My interest rate is nearly at 10 %, which is absolutely unfathomable in a market where the average rates are 3-4 %. I have been told multiple times ( including most recently on XX/XX/21 at around XXXX ) that there is no room for negotiation or refinancing, but this seems like an inaccurate and positively unfair response. Please help!!! It seems like they are purposefully preventing me from getting ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: TX

Complaint narrative:
fcra violtions : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX POST OFFICE BOXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX Account Number XXXX Account Type Lease Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have reached out to Chase and set up a Virtual Meeting with them and no one from the bank actually called. I emailed the person twice and no one responded to me. XXXX XXXX at XXXX was supposed to call for virtual visit. I called and emailed the person two different times and no one responded. 

I filed a complaint with Chase Online with a complaint number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I was charged fees and interest after I closed my credit card account with Synchrony Bank. I had a XXXX XXXX. After not receiving statements XXXX XXXX, I requested a closure of my account in XXXX XXXX.I paid a balance that I didn't even owe of fees and interest in XX/XX/2020 of about $ XXXXand told a representative that I wanted my account closed. I have received bills since that closure. I do not even use the card.

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 2021-04-19 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: Certified Credit Reporting, Inc.
State: FL

Complaint narrative:
I Filed a dispute on my credit report and it has been well over 30 days since I filed the dispute and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: UT

Complaint narrative:
I have a mortgage with PNC bank starting in XXXX. 
I lost my job in XX/XX/XXXX because COVID so I applied to skip payments to PNC website and I was approved for 3 months. After that, the benefit was automatically renewed for 3 months extra. 
In XXXX I started back to do my payments, after that, I got a letter with a XXXX  XXXX XXXX which didn't include a pre-paid envelope. I'm not American and I've never sent a letter before so I used the same envelope wrongly and I got it back. I reached PNC and they said to take a picture of the signed page and send it to them by email. After few days, they replied to me that I need to send pictures of all the pages, after few days they said the format is wrong so I need to send a PDF, after that they said I need to submit it by fax and finally I got an answer that it's too late. 
In XXXX the Loss Mitigation representative, XXXX sent me a FedEx envelope with a Conditional Trial Plan, which I attached here ( The pictures were taken previous my signature ), with another XXXX envelope to send the papers signed. I need to do these trial payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX so I included in the envelope a check with the amount. 
A few days later, XXXX said I got the envelope and I have the money, we are good and you don't need more papers. Days after that, I got another Payment Deferral Agreement, but I thought it was sent by mistake and the conversation with XXXX left it clear to me. 
On XXXX, XX/XX/XXXX, I got a check back with the amount of my first trial payment. I've tried to contact XXXX  but it's impossible and they said I was removed from Loss Mitigation. After losing hours of my time, they said I'll be called back after an investigation on XX/XX/XXXX or XXXX but I don't want to wait more and having any risk of losing my house because of the mistakes of these people. 
I've called today to XXXX XXXX as well because they are the owner of the mortgage and PNC is only an intermediate, doing a terrible job by the way .. 
The only I want is to solve this situation as soon as possible. I don't want to lose my house because a misunderstanding or a very poor job from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
Solo por hacer mi reclamo me bajo el score, no contestaron y volvieron a activar la cuenta en mi rcords de crdito como negativa solo por reclamar, es un acto de hostigamiento ya su dealer me estafo y ahora ellos me enviaron un papel del IRS como perdida del 2020 cuando ellos declararon esta deuda como perdida en el 2017, si nunca declararon la perdida en sus libros contables quiero que me enven la carta y quiero que esto sea entregado al IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
PHOENIX FINANCIAL SERVICE / XXXX XXXX XXXX THIS WAS NOT MINE ( I HAD TO PUT FRAUD PROTECTION ON MY ACCOUNT ) this was removed from all 3 of my credit Bureau 's back in XXXX it took me several yrs to get this removed because this was never mine in the 1st place. This was just put back on all 3 of my credit reports XX/XX/XXXX and it was even just updated to being new as of XXXX  XXXX, XXXX I contacted all 3 Credit Bureau 's I asked them to remove this, because it was never mine, I tried to tell them that this is not mine and that it was removed/ deleted off my credit report back in XXXX and it just put back on in XX/XX/XXXX ( UPDATED TO NEW AS OF XX/XX/XXXX ) I fought for the last 7 yrs or more to get this off my credit report and they finally took it off because it was not mine then PHOENIX FINANCIAL SERVICE bought it in XX/XX/XXXX put it back on my credit report then just updated it as new on XX/XX/XXXX just 3 days ago as new ( IT IS NOT MINE ) i FAUGHT FOR 7 YRS TO GET THIS REMOVED XXXX  XXXX XXXX  and XXXX  will not listen to me I TOLD THEM GO BACK AND LOOK THAT IT WAS REMOVED in XXXX HONESTLY I have been trying to get them removed it again for the 2nd time, I was told once it is removed or deleted, they can not be put back on But it was put back on once again and just update to brand new on XXXX XXXX XXXX I worked so so hard over the past several yrs to get this removed for PHOENIX FINANCIAL SERVICE to buy it update it and put it back on PLEASE CAN YOU PLEASE HELP ME TO GET THESE REMOVED it was REMOVED BACK IN XXXX IT WAS 1ST PUT ON MY CREDIT REPORT BACK XXXX When I said back then it was not mine so all 3 credit bureaus removed it in XXXX and PHOENIX FINANCIAL SERVICE / XXXX XXXX XXXX Bought it said it was new updated it as a new account and it is not LOOK AT MY REPORT IT WILL SHOW THAT IT WAS REMOVED BACK IN XXXX AND IT WILL ALSO SHOW I PAY ALL MY BILLS ON TIME AND THAT I OWE NO MEDICAL BILLS THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I checked my credit report and noticed that a debt collector which goes by Bull City Financial was reporting and trying to collect on a debt that I had no knowledge about in return I contacted the original creditor which is XXXX XXXX with the information that Bull City was reporting ( i.e dates account was opened, amount and date of deliquency ) and was told there was no outstanding past due accounts. I than contacted Bull City to get verification/validation of debt and have never received any correspondence than shows proof this debt is mine nor have I received any form of documentation. I also filed a complaint with the XXXX XXXX hopes to getting this resolved and again received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I just received this letter on XX/XX/. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation.

Company response to consumer: Closed with explanation