vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is my second time filing a complaint regarding my Chase Credit Card. My prior complaint reference number is XXXX filed on XX/XX/XXXX. 

In my prior complaint, I explained that I was seeking a lump sum settlement of the balance owed on my account with Chase. Chase responded stating that they had offered me a 10 % reduction in the balance owed. At the time this settlement offer was not affordable to me and I counteroffered to an amount I could afford - which was declined. 

Since my last complaint in XXXX, my husband is still unemployed due to COVID-19 and the business does not plan on reopening. My husband and I are trying to be proactive to resolve our outstanding debts to manage our finances on one income. As part of the CAREs act, I was able to obtain a large disbursement from my XXXX to try to help my family manage our finances. I made this decision to take the disbursement from my XXXX based on the information that was previously provided by Chase - that they would settle the balance for a 10 % reduction. 

Today, XX/XX/XXXX I contacted Chase again to request the 10 % balance reduction that was offered in XXXX by Chase to resolve the remaining balance owed. I was told that my account was not eligible. The representative I spoke with had a representative number of XXXX. She stated that based on my 'excellent ' payment history, my account was not eligible. I attempted to point out to her that the card is nearly maxed out and that I had been making the minimum payment for the past year - with no end in sight. In addition, the balance of the account went over my limit in XXXX, XXXX. Her suggestion was to call back in XX/XX/XXXX days to see if the status had changed. When I explained that I was previously offered a settlement on the account, she indicated that the status of the account changes. I was also informed that the settlement offer most likely would not be accepted unless the account was past due. 

I made informed decisions based on the information that Chase provided me in XXXX. Specifically, that they would settle the balance owed on my account for a 10 % reduction. After this sustained hardship, I decided to take a large disbursement from my XXXX - knowing that I would be able to resolve the balance owed on this account for less that what I owed. This pandemic has severally affected my family and I needed to make this disbursement go as far as possible. I believe that the actions taken by Chase are unfair, deceptive and abusive. 

I like many consumers am facing a sever financial hardship, I am trying to resolve this debt to the best of my abilities. Chase is forcing me to make the account delinquent, thus damaging my credit, just in hopes that they can get a full payout on the account. These actions are extremely abusive to consumers in dire need of aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/2020 & XX/XX/2020 CAPITAL ONE added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, CAPITAL ONE has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: GA

Complaint narrative:
Hunter Warfield a debt collection agency based out of XXXX, Florida whose Ein number is XXXX, the registered agent name is XXXX XXXX, have been damaging my credit for over a year now. The alleged creditor is suppose to be the XXXX complex located iXX/XX/XXXX Georgia. First after checking the Georgia Secretary of the State business registration website, Hunter Warfield is not registered on the Secretary of the State data base as registered to do business in Georgia. Second, I never gave permission for Hunter Warfield to have my Social Security account number, they are in violation of 42 U.S.C 408 Penalties, which is a federal offense. Third Georgia Law regarding rental properties clearly state as far as security deposits, a move out inspection must be performed and the parties signature must be affixed. 
7. Security Deposit Move-out Inspection. Landlords who own more than ten ( 10 ) rental units, including units owned by their spouse and/ or children, or who employ a management agent, must adhere to a formal inspection process or forfeit the security deposit. 
Within three ( 3 ) business days after the lease terminates, or a reasonable time after the landlord discovers the tenant vacated, the landlord must inspect the unit and prepare a list of all damages and the estimated dollar value of such damage. The landlord must sign the list and provide it to the tenant. '' After disputing the debt Hunter Warfield committed violation 15 U.S.C. 1692e, along with 18 U.S.C.1341 by sending a statement of fraudulent damages not signed by a landlord which is a must according to Georgia rental law! Hunter Warfield to add insult to injury keeps adding interest on to the debt reporting the fraudulent debt to the credit bureaus. If damages were left why is it that the current apartment complex who called the XXXX to confirm verification was not informed of damages? Why is the damages statement not signed by I the tenant or the landlord? I have uploaded all proof by documentation. Hunter Warfield is trespassing on my constitutional protections to life liberty and pursuit of happiness I have plans on buying a home or moving to a more striving area and can't do that because of Hunter Warfield refuses to follow the law. Last in good faith I sent Hunter Warfield a notice stamped with a money order for discharge and they up until this day haven't accepted the payment which under U.C.C 3-603 is discharge whether accepted or not.

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 2020-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA
State: CT

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Reading my credit report I noticed that there was a negative report, that one of my credit cards had been canceled. When I discussed this with a Menards supervisor she merely explained the policy, and that the account had a zero balance with no recent activity, and left me with no recourse. I would like this negative report removed from my credit report. I was given no prior notice before or after their act. The credit card was issued by Capital One. I filed a complaint with the attorney general and have waited for a response from Capital One since XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: FL

Complaint narrative:
The mortgage broker tried to get us to sign off on the loan documents before providing us with the requisite closing disclosure being provided three days before closing. This resulted in the closing being delayed. When we raised objections we were told that the firm operated this way as a standard practice. Only after reminding them that the firms policies indicated otherwise did they comply. However, this resulted in our credit score getting additional hits/inquiries that were not necessary and resulted in us getting denied for other credit later ( " too many inquiries '' was the reason provided ) Secondly, sensitive documents that we provided were handled by people either not appropriate licensed or trained. Multiple times we were told that documents had not been provided when they had. This makes me wonder about the confidentiality, integrity and availability of sensitive information at the company. When we complained we were told that the firm did not have the capacity to handle the volume of requests. 

Furthermore, this same lender ignored followup on the loan origination process the first time around. Documents were uploaded as requested but no one from the brokerage checked or validated them. It is only when I followed up that I was told that due to the delay an additional credit inquiry would need to be run. This decreased my score further, delayed my closing resulting in loss of savings among other losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: HW Holding, Inc
State: SC

Complaint narrative:
Hunter Warfield is a collection company in XXXX, Georgia, reporting on a lease that I had with XXXX XXXX, XXXX for an apartment in XXXX, Georgia called XXXX XXXX XXXX. XXXX XXXX breached their own lease and I moved out. XXXX XXXX submitted their desired payment to Hunter Warfield and refuses to correct the figures or engage in a resolution. Hunter Warfield has reported me as a delinquent renter, affecting my credit incorrectly and causing me difficulty in renting an apartment. Hunter Warfield will not respond to my creditor assistance law firm ( XXXX XXXX ). I have submitted a concurrent claim with XXXX, XXXX XXXX XXXX in order to resolve this dilemma. There is still no response from either Hunter Warfield or XXXX XXXX. 

I have provided the information regarding XXXX XXXX XXXX breach, which includes failure to provide pest control which resulted in a 90-day infestation of roaches in a " luxury '' apartment complex, XXXX XXXX XXXX attempt to take over utilities in residents names without authorization by lease and XXXX XXXX XXXX failure to adequately address an issue with residents and pets, which resulted in a resident threatening XXXX XXXX on another resident. Their solution appears to have been to string pet offal bags on the complex fencing like XXXX garlands. 

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 2020-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PENTAGON FEDERAL CREDIT UNION
State: WY

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX, representing XXXX XXXX, is attempting to collect alleged debt against me. I have an ongoing dispute with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and their response to my debt validation request has revealed that my alleged debt was transferred from alleged original creditor [ Pentagon Federal Credit Union ] to [ XXXX XXXX XXXX XXXX ]. 

On a Transfer and Assignment Document, I see that [ XXXX XXXX XXXX XXXX XXXX " immediately transferred '' my alleged debt to [ XXXX XXXX XXXX ], and that [ XXXX XXXX XXXX ] " immediately transferred '' my alleged debt to XXXX XXXX. 

I don't recall receive any written notice whatsoever from XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX. I call XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to prove that they sent me anything whatsoever in the mail pertaining to the purchasing and/or transferring and/or reassigning of the alleged debt. 

I suspect that my rights under FDCPA were violated and that these entities failed to notify me of the transferring of debt. 

I also call into question the signatures on the attached document enclosed from the representatives of these " XXXX '' companies. Why is the dated typed but the signature is a wet-ink signature? What proof can XXXX XXXX XXXX AND XXXX XXXX offer that the document was signed on XX/XX/XXXX, the typed date? Why would the signers not write the date in ink since they are signing in ink, and what evidence do they have to offer that they all signed the document on XX/XX/XXXX. 

Please answer these questions and provide your documentation that I have been provided all required legal notification from the entities that purchased-then-transferred my alleged debt, and please also answer why this occurance should be interpreted as anything other than a very shady, questionable, poorly signed, and unclean bill of sale and a truly broken chain of title? 

Please also inform me how XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX can be contacted for questions pertaining to these documents, and/or subpoenaed for information and/or testimony? 

Please also provide me with the DocuSign certificate of completion for the Bill of Sale with the matching DocuSign Envelope ID XXXX Do NOT Modify the certificate of completion in any way.

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 2020-12-15 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
This account is paid in full as shown on my credit report yet they are also reporting it as a charge off and it is inaccurate and making my score go down. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
In XX/XX/2020 ONE MAIN added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, ONE MAIN has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: MO

Complaint narrative:
Found a debt on my credit report that was posted in XXXX of 2020, by United Collection Bureau. I was never notified of the debt prior to it appearing on my credit report. I filed a dispute with the credit company and was notified there was nothing I could do. I was later sent a letter from a law office in another state about the debt. I don't know where the debt is from prior to it being sent to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: CT

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
We use XXXX for processing our business transactions. 

Our case with XXXX is CASE # XXXX Our XXXX account was breached on XXXX occasions from XXXX through XXXX - in the amount of {$35000.00}. By the time Square told us - funds were gone. 

XXXX blamed us for not implementing the XXXX step verification, a system of which they turned off and subsequently turned back on after this occurrence. 

My wife and I traveled during the holiday. When we returned we immediately contacted Square. Nobody helped us - nobody investigated - nobody at XXXX did anything. Only sorry - {$35000.00} is gone. 

1 ) is XXXX insured for this? 
2 ) is XXXX going after these funds and then keeping them without my consent XXXX ) they were transferred to XXXX XXXX accounts - did XXXX tell XXXX None of the above were allowed to be discussed with XXXX - only sorry there is nobody to take this up with. 

This is not right. We had to file today against Square with XXXX, IC3.gov, Identitytheft.gov and will be meeting with our legal counsel next week - all based on Squares horrible decision and them doing nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: CA

Complaint narrative:
This account is paid in full as shown on my credit report yet they are also reporting it as a charge off and it is inaccurate and making my score go down. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2020-12-15 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: CA

Complaint narrative:
This account is paid in full as shown on my credit report yet they are also reporting it as a charge off and it is inaccurate and making my score go down. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: CA

Complaint narrative:
This account is paid in full as shown on my credit report yet they are also reporting it as a charge off and it is inaccurate and making my score go down. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2020-12-15 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: Accelerated Financial Solutions, LLC
State: AL

Complaint narrative:
On or about XX/XX/2020, XXXX XXXX XXXX, a debt collection agency removed this collection from my XXXX credit report due to a dispute resolution. 
On or about the same date, Accelerated Financial Solutions, another third party debt collection agency placed this same account in collections and reported this information to XXXX without any prior attempt to contact me. This debt was resolved and removed in part due to CFPB. 
Accelerated Financial Solutions primary business is debt collections thus subject to the Fair Debt Collection Practices Act. 
Accelerated Financial Solutions has used predatory debt collection practices in an attempt to collect a debt not owed and resolved. I hereby request this debt be removed from my XXXX credit report, and no further action taken, XXXX. debt being " resigned '' to another debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
started receiving debt collection notices from Name : FRANKLIN COLLECTION SV Phone : ( XXXX ) XXXX Business Type : XXXX Street Address:XXXX XXXX XXXX XXXX City : XXXX State : XXXX ZipXXXX  Balance Amount : {$61.00} started multiple credit reporting - 8 entries declaring account opened on XX/XX/2020. again reported as opened on XX/XX/2020 and again reported as opened on XX/XX/2020. multiple entries incurred on my credit report for a {$61.00} medical bill that should have been paid by insurance ( and is being looked into at Hospital billing ) as to why this was sent to collection. 

complaint- multiple entries on credit report. being reported almost daily to appear to have excessive debt collections on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
IN THE LAST XXXX HOURS XX/XX/2020 A NEW COLLECTION HAS BEEN REPORTED ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF ACCOUNT AND IT SAYS ACCOUNT HAS ALREADY BEEN VERIFIED AND THAT IS FALSE IT HAS NEVER BEEN ON MY CREDIT REPORT. THIS IS HINDERING ME FROM HOME BUYING AND CAUSING EXTREME MENTAL DAMAGE TO ME. THE ACCOUNT IS XXXX XXXX XXXX XXXX XXXX {$3900.00}. THIS DEBT HAS NOT BEEN VALIDATED AND CAN NOT BE VALIDATED BECAUSE IT IS NOT MINES AND I NEED IT DELETED AS SOON AS POSSIBLE. IT IS VERY TIME CONSUMING DUE TO FUTURE OBLIGATIONS WITH HOME BUYING. I HAVE PROVIDED POLICE REPORTS STATING I WAS A VICTIM OF MY ID BEING STOLEN FOR PROOF. I WOULD LIKE DEBT TO BE REMOVED.

Company response to consumer: Closed with explanation