vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This is regarding my XXXX XXXX  account ending in XXXX. I have been in the XXXX  since XXXX with XXXX and complications and just came home today!! Back in XXXX I think it was I finally got ahold of someone after HOURS OF GETTING THE RUN AROUND, and told them I had XXXX  and they said they would put projections on my account and a payment would not be due for that month. Not long after that call, my condition got worse and I ended up on XXXX XXXX  for about 4 weeks. I have not been able to call anyone to get help with my accounts. My husband then tried calling to tell XXXX XXXX what was happening. NO ONE WOULD TALK TO HIM BECAUSE HE IS NOT ON THE ACCOUNT!! As a result now my credit is ruined!!! I have {$100.00} 's in late fees and who knows what else!!! How is someone on XXXX XXXX supposed to get help if these creditors won't work with people!! 

My balance when this stared was around {$4000.00} wish. I now owe close to {$6000.00}!!! I have no job, just got out of the hospital, I can hardly provide for my kids and now to top is off, my husband passed away three days ago from XXXX. 

XXXX need to do something! They need to fix my credit ASAP! I can not pay for my husbands frugal because I can not get any sort of loan to pay for it! Then they need to waive ALL MY LATE FEES!! LASTLY, THEY NEED TO SETTLE THIS ACCOUNT AND MAKE IT A PAYMENT I CAME HOPEFULLY SOMETIME AFFORD WHEN I GET BACK ON MY FEET! 

THE CREDITORS SHOULD NOT BE ALLOWED TO DO THIS! WHEN YOU HAVE XXXX, YOU CAN NOT WORK, I ALMOST XXXX, I HAVE NO SAVINGS NOW AND LOST MY HUSBAND. MY CREDIT IS RUNIED NOW! HOWAM I SUPPOSED TO RECOVER?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
First, they call me when I'm at work. I asked them to stop calling and was told that they can't do that until I set up a payment plan. 

Second, They won't tell me what the debt is for ( company that I owe ). They told me that they don't have to give me that information until I verify my phone number full name and address and set up a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020, I ordered merchandise for amount {$400.00}. The delivery of the same was scheduled by XX/XX/2020. I did not receive any merchandise from the said company until XX/XX/2020 nor I received a refund of my money. Hence I filed dispute with my bank ( Chase Bank in New York ) and amount was credited to my account in XX/XX/2020 while the dispute was being investigated. Suddenly I was re-billed by the same bank without any notification to me, for this amount ( XXXX ) by the bank on the ground that the company said they have already shipped the merchandise. Hence I requested for the dispute to re-open. At this point I would like to add that I received some other merchandise by the same company ( almost after a month0 in XXXX which again was not mine. Hence I requested for 'Return Shipping Label ' from the company which they did and I shipped the same with the acknowledgement and receipt. 

Finally Company agreed that no Merchandised was shipped nor I received any product from the same company for which I was re-billed in XX/XX/2020 ( Which is reflected in the bank statement of XX/XX/2020 ). The bank now refuses to credit the chargeback to my account, despite the letter from the company stating that NO ITEM WAS SHIPPED BY THEM NOR I RECEIVED ANY ITEM FROM THE COMPANY FOR THE SAID AMOUNT. 
I request you help in recovering {$400.00}, which has been charged to me fraudulently XXXX XXXX Phone:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I received a mailer in late XX/XX/XXXX sent by Citi Bank offering XXXX American Airline miles if meet three clear requirements : open a Citi Bank checking account, charge {$750.00} with a Citi Bank ATM, and make 2 payments using their electronic payment system. The offer required an application be made by XX/XX/XXXX. My personal reference number for the offer is XXXX. The fraud I believe is that unlike the 3 requirements noted above which are clearly note in the mailer, there also is a requirement to have a {$50000.00} balance some where in a Citi Bank account. This requirement, rather than being clearly disclosed, is in a long list of footnotes printed in tiny gray print which I believe is meant to deceive. Unless you give Citi Bank {$50000.00} in assets the offer is void. No where is this clearly disclosed. This in my opinion is a bogus offer meant to deceive you into opening a Citi Bank account since the {$50000.00} requirement is not clearly disclosed, and therefore the offered incentive will almost never be able to be claimed 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 2020-11-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
This company refuses to remove the debt from my credit saying I am the one who took out the loan. I have no documents to prove that I am the one who took out the loan and they cant provide me with any documents. {$940.00} From XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: ME

Complaint narrative:
I used the bill payer service for a US Bank Reliacard on XX/XX/2020 to make a payment to a credit card. I got an error on two separate attempts to pay {$250.00}. Several hours later, one payment went through and the money was out of my account. It never made its way to my credit card. I contacted US Bank about 5 or 6 days later and they said the money wasn't in their system any longer. They told me to contact the credit card provider XXXX XXXX  XXXX XXXX XXXX. I've done that, but it could take 60 days to resolve. Plus I just doubt the issue is on their end.

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 2020-11-06 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: NY

Complaint narrative:
Currently, there are three separate loans for completing my XXXX XXXX XXXX which are reporting negatively on my credit report instead of just one which is causing me a problem when trying to downsize my current living situation so I can ensure I will not have any continued difficulties in meeting my financial obligations. 

Due to COVID-19 pandemic, I can no longer afford the rent at my current apartment and I need to down-size to a smaller less expensive apartment. However, because the credit requirements are now more rigid due to the COVID-19 pandemic, one of the main reasons for me being denied is due to the late payments on the three ( 3 ) loan disbursement dates of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I have since consolidated these loans and are currently making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
I recently discovered a discrepancy on my credit report with an outstanding balance that I did not recognized. I called the collection agency ARS at XXXX and I was told that someone in Florida received medical on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX room in XXXX XXXX Florida using my SSN. At the time that the services were rendered, I was and is still living in Virginia. The account numbers that I was given are account # XXXX for {$560.00}, account # XXXX for {$280.00}, account # XXXX for {$280.00} and account # XXXX in the amount of {$290.00}. These charges are fraudulent and they are causing some issues for me. 
Upon the conclusion of my call to the creditor the representative at ARS advised to file a report concerning the matter with the Federal Trade Commission which I did immediately XX/XX/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 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This account has been on my credit report and I have tried numerous times to have it removed. The company will not send me copies of any original paperwork to prove that the debt is mine. 
{$1000.00} from XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 5 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have repor
ted these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1.XXXX XXXX acct. # XXXX bal. {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I did an international wiring {$77000.00} with XXXX local branch manager to wire to HSBC in XXXX XXXX on XX/XX/XXXX, but recipient has not heard anything about the fund ... 
HSBC requested my compliance information twice. After XXXX sent out to them on XX/XX/XXXX and XX/XX/XXXX, there is still nothing heard back from HSBC. HSBC hold my fund and don't respond to XXXX inquiries. 
So, XXXX recalled the fund back on XX/XX/XXXX, Still no result so far till today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I contacted Paypal, and they put me in touch with their Limitations department, where I spoke with XXXX. She looked into the PayPal Cash Card that was sent to me unsolicited and initated a three party call with The XXXX XXXX, that issued the card. XXXX at XXXX had my social security number and date of birth, which had been used to open the account, and which I had NOT provided to Paypal or XXXX at any time. The card had my maiden name only on it, not my married name. XXXX closed the account opened in my maiden name, and XXXX put a block in Paypal for future cards to be opened. She also sent me information on how to report the social security number fraud to the three credit bureaus and the Federal Trade Commission. There were not any transactions yet on the card, but now I want to make sure others are not opened in my name with my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: ND

Complaint narrative:
Received letter to on XXXX to collect a student loan that is being collect by Navient and or Dept. of Education. And XXXX who I have not received any letter of my complaint XXXX. Navient nor Dept. of Education has contacted me on any changes. 
I do not agree with amount owe per any of these companies who failed to provide proof of legal identity. US Dept of Education and Navient indicated no payment until after XX/XX/21 signed by President Trump. These company are harassing me. Until I get official notification from Navient and US Dept of Education, I assume this is 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 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I am being unfairly treated by convergent outsourcing and their refusal to remove an incorrect and illegally reported collection account from my credit report. 

I have consulted local and state consumer protection agencies with assistance regarding the credit reporting of the above referenced account. Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California XXXX Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

I have determined that convergent outsourcing is prohibited from submitting information relating to me with regards to the paid collection in question to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 



For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports. 

Should this item remain on my credit report and you refuse to remove it after the filing of this complaint with the Consumer Financial Protection Bureau and the California Department of Justice, I will have no choice but to seek legal action against you. I hope you cooperate with my request.

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 2020-11-06 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 XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. XXXX XXXX has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with XXXX XXXX with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. 
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 2020-11-06 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 XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. XXXX XXXX has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with XXXX XXXX with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Letters was sent to XXXX  and Experian credit bureau over 30 days ago and we receive no response from them.

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 2020-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MD

Complaint narrative:
I am having trouble communicating with my mortgage company. I was promised a response to my request for assistance yesterday XX/XX/2020. However, I am taken to a voicemail every time I call. My mortgage company 's attorneys have suggested that this is their game, that they are not serious about the process of loan modification. I just want them to tell me that this is true so we can explore other non-retention options like a short sale or a deed in lieu. Please review the emails I am forwarding to you. They contain valuable information regarding the present case. Selene Finance has a complete package and they are due for a decision regarding our loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: AL

Complaint narrative:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 5 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 


The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1.XXXX XXXX acct. # XXXX bal. {$13000.00}

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