vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 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: NY

Complaint narrative:
The credit reporting agency did not remove the inaccurate information from my credit report.

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 2020-01-14 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: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
The original account was with XXXX however, it was sold twice so how can XXXX continue to update my account with inaccurate information. The account was settled and paid to Nationwide Credit in 3 installments of {$180.00} each. XXXX continues to mark me late when I was making payments. The installments were made on XX/XX/XXXX ( I was marked late ),  XX/XX/XXXX and XX/XX/XXXX ( Continued to mark me late ). Why is XXXX continuing to mark my account to the credit reporting bureaus as late when they no longer own the account. XXXX reported my account as a charged off therefore, it should be reported as {$0.00} balance and no data. They continued to report it as late and while the account was paid and settled with Nationwide they updated my account as late. This account needs to be deleted for inaccurately reporting my data wrong. Does XXXX own my account still or does Nationwide Credit?

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 2020-01-14 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: LA

Complaint narrative:
I have some errors on my credit report that I already tried to fix. I sent letters to all 3 credit bureaus in XX/XX/2019 regarding several accounts that should not be on my report. I sent the letters certified mail and received the confirmation receipts. It has been over 90 days and I have not seen any changes on my report despite the fact that I followed the exact instructions on the FTC website. 

Attached you will find the exact letters I sent to the credit bureaus which include all the accounts I am disputing. I have not use my credit in the past 7 years so there should not be any accounts on my report that is negative.

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 2020-01-14 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: LA

Complaint narrative:
I have some errors on my credit report that I already tried to fix. I sent letters to all 3 credit bureaus in XX/XX/2019 regarding several accounts that should not be on my report. I sent the letters certified mail and received the confirmation receipts. It has been over 90 days and I have not seen any changes on my report despite the fact that I followed the exact instructions on the FTC website. 

Attached you will find the exact letters I sent to the credit bureaus which include all the accounts I am disputing. I have not use my credit in the past 7 years so there should not be any accounts on my report that is negative.

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 2020-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX I filed a complaint to the CFPB regarding Chase Bank. I assumed the issue from XXXX was resolved but it is not. I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and it was discharged successfully on XX/XX/XXXX. Back in XXXX I had an XX/XX/XXXX loan with XXXX XXXX  who then sold the loan to EMC/Chase. Chase Bank has owned my mortgage for many years and in the Chapter XXXX Bankruptcy my second mortgage the was supposed to be dropped but unfortunately it has not. 

In XXXX Chase Bank put me in a 20 year 3.5 % balloon payment loan when we settled out of court back in XXXX to get me out of the terrible negative amortization loan I was once in. I knew that the 3.5 % interest balloon payment loan is not something I want to be in long term so I applied to refinance my loan into a 30 year fixed principle and interest and also use a Home Equity Line of Credit from the appraised value of my home. My Credit Score is a XXXX, I work as a XXXX/XXXX and everything I applied for was in my favor until the underwriters found out that Chase bank has never released the deed of trust of my second mortgage of {$57000.00} to XXXX County which should have been dropped at discharge of my chapter XXXX bankruptcy in XX/XX/XXXX. Therefore, Chase Bank has figured out another way to hinder my lifestyle and financial opportunities by not doing what they were obligated to in my Ch. XXXX Bankruptcy. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Clarity Services
State: CO

Complaint narrative:
I received a postcard from Clarity Services, XXXX. XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX regarding negative items potentially being added to my credit report. I sent a letter on XX/XX/XXXX requesting a copy of my personal credit report. I included my full name with generation, complete addresses for the past 2 years, my social security number and date of birth. I was directed to send this information to the following mailing address of Clarity Services, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. On XX/XX/XXXX, I received an envelope from Clarity Services that did not include my personal credit report as I had requested. 

On XX/XX/XXXX I called Clarity Services at the following telephone number of ( XXXX ) XXXX and informed the customer service representative that I talked to that I did not receive my personal credit report that I had requested. I was then told that I had the option of receiving a copy of my personal credit report via email. I accepted the option of receiving a copy of my personal credit report via my personal email, however after clicking on the link that was sent to me by Clarity Services via email, I once again did not receive a copy of my personal credit report. The only thing that I received was the same general information that I received initialed in the mail. I did not receive a copy of my personal credit report that I had requested. 

This is a direct violation of my rights under the Fair Credit Reporting Act to obtain a copy of my personal credit report when negative information is placed on my credit report. This company, Clarity Services is denying my right to dispute inaccurate information that may be placed on my credit report by refusing to send me a  copy of my personal credit report when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, of 2019 I mailed a letter to National Credit Audit Corporation in regards to them trying to collect {$760.00} that I allegedly owe to XXXX XXXX XXXX. I do not owe this amount to XXXX XXXX XXXX. I asked them to provide documentation that proves that I owe {$760.00} to XXXX XXXX XXXX  and they were unable to. They mailed a description of charges and amounts but nothing the proves that I owed this amount amount at the conclusion of my lease. This company is horrible and has not attempted to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Sirs I have provided these requested information multiple times to Experian and XXXX. I can not access to my credit report since 2010, for over 10 years. All the questions and answers are not related to my SSN but someone else is using it. I get same reply year after year from Experian and XXXX that I can not provide any information to them online and by mail I get nowhere. I always repeatedly get same old answer ... 

What else can I do? 

XXXX XXXX. 

Please provide the following : One copy of a government issued identification card, such as a drivers license or state ID card, etc. displaying your current address, and One copy of a current utility bill, bank or insurance statement, etc. Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue.

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 2020-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank charged me a late fee after telling me there's nothing due then sent an invoice with another late fee to cover the first late fee. I was instructed to pay off the {$68.00} and report it here but now they're charging {$28.00} for return fee when I didn't pay with a check and I specifically asked the customer service personnel who took my payment if there was anything else due. I am a military veteran  who suffers severe XXXX and this is really stressing me out. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
On or before XXXX XXXX I lost a folder containing my Credit card, a Copy of my Passport, and Copy of my XXXX to XXXX. During this time my folder was missing, someone used my Credit Card to make purchases. I did NOT make the purchases nor did I authorize any purchases to be made. I contacted HSBC once I noticed the card was not in my possession and that fraudulent charges have been made. I have had to repeatedly call them and tell them what has happened.. The very 1st time I contacted them I told them my card was missing.. They rejected my claim because they said that my card was present during the transaction. I did not have possession of my card when I called to tell them it was missing. I have been getting the run around with HSBC. They are now calling me to make payments on charges I did not do or authorize. When I Call HSBC they say they are recording the call.. IF they are doing so then why are they getting the story mixed up between themselves? I have done everything that they asked of me. I have went to the police station to get a police report, In which I was told I could not do so because I lost my card in another country. I informed HSBC of this. Then they told me to contact merchants that I have never been to gather information for them. I immediately did so and contacted HSBC afterwards. Every time I call HSBC they seem to bring up new things to NOT rectify this situation. They speak to me as if I never spoke to them before about this Issue. I am constantly repeating myself and I am Not sure if they are selective in what they want to hear or if they just dont care. I am now getting calls to make payments on transactions I know nothing about. HSBC is acting very unprofessional. I havent received any letter from them pertaining to any investigation or anything about my claim.. However I have received Bills and Numerous calls about making payments.. This is not fair at all. I have had to call them numerous times to see whats going on. Its like after I filed my Claim they just forgot about me..I didnt get any info about my claim. However I have received a bill, and fees for lates payments for transactions I Know nothing about. I want to know whats going on and how we can rectify this. What did they conclude? What notes they have of our conversations together? Why my claim was denied? Whats going on?. This is very frustrating. I have done Everything they ask of me. HSBC seems to not want to help its customers. I need Help with this issue. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient is my servicer and has misapplied my payments repeatedly. I have been adding an extra {$50.00} a month to my loan with the lowest balance. Their website allows you to direct extra amounts to the loan you choose but they were taking my extra money and allocating it differently than what I directed them to do. I contacted them, thought it was fixed then it appeared they started adding my extra payments to future monthly payments instead of the principal. I contacted them again and thought it was resolved and now for the third time, their website is telling me I don't have a payment due for 2 months in a row on one of my loans. Clearly they are misapplying the extra funds again because there should be a full amount due on both loans every month. I never have directed additional funds toward future monthly payments. I'm fed up with this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2020, I received a call from the phone number associated with regions bank which I bank with. The person was posing as a member of regions and alerting me that my account was compromised. He claimed to need my info for online banking. Because it was my banks number, I thought it was legitimate. While we were on the phone, my wife arrived and realized what was going on. She told me to hang up. At that moment, I got an email from my bank showing a XXXX XXXX transfer of {$510.00}. I was locked out of my account but my wife was able to move remaining money into another account and we immediately called our bank to cancel the XXXX XXXX transfer before it was picked up. We were on hold for over an hour and got the email that the money was picked up before we even had a chance to speak with someone. Nonetheless, we spoke with several people and I went and filed the claim at my bank the following Monday. Our bank has denied the fraud claim because I gave my online banking information. The scammer was fraudulent in claiming to be a regions banker. Fraudulent in sending money in my name through XXXX XXXX. How is my bank not held to this when we immediately, and before he picked up the money, made exhaustive attempts to stop the transfer and would have been successful in our attempts if a banker would have taken our call? People have been careless and lost debit cards and did not report them lost or stolen until after hundreds were spent and those cases return the money stolen. Our case is truly fraud.

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 2020-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: TN

Complaint narrative:
On XX/XX/2019 I mailed a dispute letter to CBCS in regards to an alleged debt that I owe to XXXX XXXX. It is alleged that I owe {$100.00}. This is a debt that I DO NOT owe. CBCS only sent a statement but nothing that proves that I owe this erroneous debt. No signatures anywhere. This company is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I have filed a police report and filed a complaint through the ftc. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children.The following items are appearing on my credit report as a result of being victimized I am requesting that these items be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago and tried disputing directly with credit companies. Please help me with this matter. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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:
XXXX XXXX XXXX, acct.no.XXXX, A collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner according to the banks disclosure booklet, resulting in more than XXXX @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business cutoff, and taking their time to credit the deposit which paid overnight, the unscrupulous bank self-generated about {$350.00} dollars in fees.FEDERAL RESERVE GUIDELINES FOR HOLDS WERE NOT FOLLOWED SO THAT THE BANK WHICH RECEIVED A DEPOSIT THAT PAID IMMEDIATELY COULD SELF-GENERATE XXXX DOLLARS IN FEES.THE ERROR PRONE, UNSCRUPULOUS BANK HAS NOW TURNED THEIR ILLICIT GAME OVER to the collector, XXXX XXXX XXXX who credit damages me in their extortion attempt.

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 2020-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, acct.no. XXXX, a collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others. 
This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner, according to the banks account disclosures booklet, resulting in more than 10 @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business day cutoff, and taking their time to credit the deposit which paid overnight, the XXXX bank self-generated about {$350.00} in fees. 
Federal reserve guidelines were not adhered to regarding bank cutoff, hold times, business day, banking day, etc so that the bank could generate massive illicit fees without risk or investment.The unscrupulous bank has now turned their illicit endeavor over to professional extortionist 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 2020-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 i bought XXXX worth of bitcoin in my XXXX  and it will not let me access it at all without an i d scan, but the i d scanner will not work ( i read reviews after this, it is happening to many people ) i complained to support but they will not respond. Not only that, they have blocked me from contacting support at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
I submitted compaint ID XXXX on XX/XX/2019. The company responded back on XX/XX/2019 with an itemized statement with my personal protected information and I believe they are in violation of HIPPA laws. I never authorized them to have my personal information nor access to any medical procedures that were done to me. They stated I owed them {$2500.00} initially, then {$1200.00}, then, {$1100.00}, then {$1100.00} and now my credit report says I owe XXXX. I am demanding this be removed.

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