vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 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: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine

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 2020-01-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX Agent says account is closed and I owe {$1500.00} despite Chase offering Gap Insurance. The credit bureau shows an open account with a balance of {$4800.00}. Requested original lease agreement and documents supporting adjustments to closed account. Agent says I should receive within 7-10 business days. 

XX/XX/XXXX - Requested original lease agreement. Agent says this can not be released. 

XX/XX/XXXX Insurance rendered decision of total loss and was prepared to settle. Insurance needed copy of original lease agreement. 

XX/XX/XXXX Requested copies of origination documents. Agent says they are not available to send. Escalated to the presidents office. Agent took statement and provided no remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a complaint against XXXX XXXX, XXXX, Experian and XXXX, I request this collection company to remove this account from my credit report, with XXXX, Experian and XXXX, since it has been opened under fraud, without my authorization or permission. This account is fraudulent, in this complaint I will give all the documents, such as Police Report, affidavit for identity theft, I consider that this information that I will provide is just enough to block this account that does not belong to 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 2020-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is inaccurately reporting my old Capital One account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
Been faxing in loan modificaiton paperwork since XXXX OF 2019 But PENNYMAC KEEPS LOOSING just one examaple! AND THERE FORECLOSURE ATTY XXXX & XXXX XXXX SAYS CALL XXXX LEFT 10 MESSAGE BEFORE NOON AND NO ONE ANSWERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
The second mortgage with Bank of America was paid in full in XXXX of XXXX. B of A acknowledges it is paid off. I discovered in XXXX that B of A had never filed the reconveyance to release the lein. 
XX/XX/XXXX spoke with B of A and was told it would be 7-10 business days to fix and they gave me a lein release reference number of XXXX XX/XX/XXXX Spoke with B of A again and they said they had sent the release to the county for recording and it would be recorded by XX/XX/XXXX XX/XX/XXXX Called B of A for a third time after finding out from XXXX County that they had recieved nothing on this loan. B of A now says it will take up to another YEAR before they have it released as they dont have their correct paperwork

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 2020-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sherloq Group, Inc
State: FL

Complaint narrative:
I received a phone call XX/XX/XXXX from Sherloq Financial, a debt collection agency, in reference to a medical debt of {$70.00} owed to XXXX XXXX XXXX. The debt was created in XX/XX/XXXX. The agent at Sherloq Financial stated that her notes showed that XXXX XXXX XXXX has been sending bills ( for over two years ) to an address I moved from in XX/XX/XXXX. The phone number on file is correct. My complaint is that they have been sending bills to the wrong address for over two years and never made any other attempts to contact me regarding the outstanding debt ( given they have had my correct phone number on file for this time ), and then forwarded my debt to a collections agency. This escalation was completely unnecessary given that XXXX could have simply called me by telephone to inquire about a change in address after not receiving any response from me for over two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MiraMed Revenue Group LLC
State: IL

Complaint narrative:
Received a letter from this collecting agency - MiraMed Revenue Group dated on XX/XX/XXXX ( but I was abroad for vacation so I did not receive this letter until XX/XX/XXXX ). The letter tried to collect a medical bill that I am not aware of, I have been disputing with the medical provider, and I have submitted a complaint against the provider to Illinois Department of Public Health. 
The letter claimed that if I do not submit payment of the billed amount to this collector, they will damage my credit score.

In addition, this collector keeps calling my phone with robot message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
Navient Student loans - XX/XX/19 I submitted a request for refinancing and was able to login and submit my application. A confirmation email was sent to me saying that they would contact me when my new payment plan was ready. I have not received any correspondence from them giving me information on my new plan. In the meantime I received numerous collection calls from them. I have since not been able to access my online account as it says that my login information is wrong. I am not able to make calls at my place of employment during the day so I tried numerous times to email them but can not reach a working email. Now yesterday I received a letter saying they will be intercepting my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
First National Bank held and serviced my home mortgage until XX/XX/2019. On this date, the loan was satisfied and transferred to XXXX XXXX/XXXX. ( They use XXXX as their servicer. ) Despite this, First National continued to use ACH withdrawal to debit my account two additional ( and unauthorized ) times : XX/XX/2019 XXXX XX/XX/2019 XXXX I discovered these unauthorized withdrawals only after studying my checking account in XXXX. When I called First National, I learned that they sent these payments along to the new mortgage co ( XXXX/XXXX ). I was not notified of these decisions or actions. Furtner, they did this despite also having provided my ACH information to XXXX/XXXX without my knowledge or permission. I spoke directly to 3 FNB reps ( not including anyone they consulted during the course of our conversation ) ; they admitted no error and offered no help other than I should call XXXX. 

After speaking with the very helpful and knowledgeable rep at XXXX/XXXX, I called XXXX back to request that they get the money back from XXXX and put it back into my account as they are legally obligated to do. They were not helpful nor polite. After being on hold for a long time, I was advised that a supervisor was researching it and would give me a call back. As of this writing, that call back has not happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am having issues getting my accurate information to reflect on my report. I have a XXXX XXXX, XXXX AND XXXX XXXX ACCOUNT THAT IS NOT SHOWING! My XXXX  XXXX is XXXX XXXX XXXX XXXX, My XXXX is XXXX XXXX XXXX XXXX, my XXXX XXXX is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I am having issues getting my accurate information to reflect on my report. I have a XXXX CARD, XXXX AND XXXX XXXX ACCOUNT THAT IS NOT SHOWING! My XXXX Card is XXXX XXXX XXXX XXXX, My XXXX is XXXX XXXX XXXX XXXX, my XXXX XXXX is XXXX XXXX XXXX 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 2020-01-23 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: FL

Complaint narrative:
XXXX  XXXX is inaccurately reporting my old XXXX XXXX account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.

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 2020-01-23 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: FL

Complaint narrative:
XXXX XXXX is inaccurately reporting my old XXXX XXXX account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northwood Asset Management Group
State: CA

Complaint narrative:
This is the log that I started yesterday after my first contact with this company. 

XXXX on XX/XX/20 My call to XXXX ( Northwood Asset Management ) I called and spoke with Mr. XXXX XXXX response to two missed calls from him on my work line the previous day ( XX/XX/20 ) when I was not in. He had left a voice message telling me to call him regarding a specific claim number. I told him that I can not receive these types of calls at work and asked what he was calling about. He said it was regarding a loan that was taken out in my name last year. He then said that I needed to pay {$3000.00} to get the claim cleared. I told him I didnt have that kind of money and asked him to send me something in writing about this. I have not received any written communication about this. Mr. XXXX refused to send me anything in writing and said that he could email me something. He threatened to call the payroll dept. at my job and take 20 % of my income until the amount is settled and seemed to be rushing to do this. I asked what other options I had because this did not seem right, then I again asked for something in writing explaining this issue. Right in the middle of my sentence, he accused me of a stall tactic and abruptly hung up on me. That was very rude and unprofessional. Totally uncalled for as I had not raised my voice, called him any names or acted rudely in any way. If anybody was trying a stall tactic, it was him. Hes trying to rush to collect on something that this shady excuse for a company hasnt verified in writing and gets mad and hangs up on me for simply asserting my rights. 

XXXX on XX/XX/20 Call from XXXX This call was received after I repeatedly told Mr. XXXX that I could not receive these types of calls at work and told him not to call me at work anymore. He called to tell me that this was his final call and that due to the lack of contact on my end, they were forced to write me off as a direct refusal for voluntary cooperation. This was after I called and spoke with him that same morning and attempted to get further information on this claim in writing and tried to discuss options to get this cleared. This was after Mr. XXXX hung up on me as I pleaded with him for a workable solution. To say that I refused voluntary cooperation is a completely deceptive and blatant lie. 

XX/XX/20 At XXXX, I filed an online complaint with the XXXX. 
At XXXX, I received another call at work from XXXX after a message was left by Mr. XXXX on my work line yesterday telling me that was his final call. There was no message left from todays call. A blank message was also received on my cell phone shortly before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : -- XXXX & XXXX AND XX/XX/2019 FOR 30 DAYS LATE??? -- I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: AL

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Inquires : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX - XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: AZ

Complaint narrative:
In XX/XX/XXXX, my husband and I borrowed money to pay off several credit cards. The company we borrowed from ( XXXX XXXX  ) paid several of the bills themselves, and then sent me cash to pay others. Afterwards, I checked to see what cards were paid. I did not see the amount that I owed Capital One credit card, so I paid it myself with my debit card. Soon after, I realized that it was already paid, so I requested my bank to put a stop payment order on the second pmt. 
Capital one received $ $ from XXXX on XX/XX/XXXX and from my debit card on XX/XX/XXXX. I checked my account often, so I could close it. It was XX/XX/XXXX, when I finally saw that it was done. 
When I checked the acct on XX/XX/XXXX, I saw that a XXXX donation I made cleared the acct in XXXX. ( I had changed the bank info on the XXXX charge page, but it hadn't changed. ) The company charged me interest on my card for XXXX, so I paid both those charges, and asked them to close my account. But they had also charged me a XXXX interest fees, even though I had a negative balance on my account for that entire month. I complained to finance people on the phone. They refused to take it off. Now it is XXXX and they added a late fee and interest on it. I wrote and mailed a letter to complain on XX/XX/XXXX. I have heard nothing back, only the added late charge and interest. They closed my account, and said I could NEVER open an account with them again. 
Can you help me? Is this wrong for them to keep charging me, when I didn't owe them? They called is " residual '' interest when I complained and asked for those XXXX charges to be taken off. I have worked in accounting for years, and just don't think it's right!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: FL

Complaint narrative:
I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  Equifax nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C. Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: FL

Complaint narrative:
I am a consumer in pursuant to 15 USC1692A3 XXXX, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX XXXX nor transunion  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C.  Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733

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 2020-01-23 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: Nelnet, Inc.
State: MN

Complaint narrative:
I have a student loan balance of nearly {$200000.00}. Since I graduated, I have been on an Income Driven Repayment Plan and timely applied for my annual renewals. My payments under the plan have consistently been around $ 400/month. My most recent renewal was submitted on XX/XX/XXXX. On XX/XX/XXXX, I received an emails stating I have " been approved for an income-driven repayment plan... You'll receive your payment schedule... 45 days before your first payment is due. '' As of today, my next payment under the new IDR Plan schedule is XX/XX/XXXX. However, I have not received my payment schedule and it states my next payment on XX/XX/XXXX will be for over $ 2,000/month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation