vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a letter from Portfolio Recovery Associates dated XX/XX/2018. I have spoken with and been assured that XXXX will not contact me in any way. As I am severely XXXX and on XXXX, there is no possibility that they will ever be paid. I indicated that on the phone and they assured me they would not contact me again, in any way for any reason. 

I have written to XXXX over the years requesting the same thing, no contact, yet they continue to contact me. Admittedly, the contacts have reduced to only once every several months, but they still contact me. 

Please, No more contacts. I can't pay and have made my situation clear and agreed to send them my XXXX benefits letter if they wanted proof, which they have not wanted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I leased a car through XXXX and was approved by Chase Auto Finance, I don't ever recall setting up " electronic statements '' so Chase never sent me a bill. I was waiting for my bill and fell 2 payments behind which in turn they reported me late to my credit report agency.

I chatted with a customer service representative who kept emphasizing I was a " high risk '' account and kept explaining how I am able to make a payment to an account where I dot have access too online or over the phone because I don't have my account number. 

I made a prompt payment and am current on my payments, I was told they would review my account however I need removal of the late reporting due to bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
I refinance my mortgage with Selene Finance in XX/XX/XXXX. About the same time I received my 100 % VA XXXX rating. I sent them the info and the letter from the township verifying that NJ states that I am Property Tax Exempt. it took them about 3 months to update their records and refund me the escrow for my property tax. That decreased my monthly payment by about {$450.00}. Everything was fine until XX/XX/XXXX. I received a escrow analysts from Selene stating that I owed property tax and increased my monthly payment over {$600.00}. I called Selene on or about XX/XX/XXXX. During the call I was transferred to their Escrow department. While talking to the individual he stated that they received a property tax form from my township and said that it stated that I owed property taxes. The individual then called the my township on three way with me who then informed the representative from XXXX that if he simply looked at the second page, he would see that I owed {$0.00} in property taxes and as a 100 % VA rated XXXX veteran my property taxes were waived. Once we hung up with the township he said that he would update their file and forward with in there system and I should call back in a week to verify that everything was resolved. I then called back onXX/XX/XXXX and was told that it was still in work and expected their system to be updated any day because they had to perform another escrow analysts then to call back in a week to see if it was complete. I then called back on XX/XX/XXXX because I was ready to pay my monthly payment but it was still showing the higher monthly payment. Once again I was told that it was in the works and should be fixed any day now and give them another week and it was okay because I was not late on my payment until the 15th of  the month. I then waited untilXX/XX/XXXX to call back. this time I was told once again that their system should be updated any day and to just pay the extra amount and work it out later. I told the individual that I did not find this acceptable and I would like to speak to a supervisor. Once I was on the phone with the supervisor they told me that they had 30 days to re-accomplish another escrow analysts and that my only option was to pay the higher amount and then later dispute the charge and request a refund. I stated that how could they insist on charging me more money, when they were the ones that made the mistake by simply not looking at the whole bill and then make me fight them to get my money back. I was ready and willing to make my normal payment that I had been paying for the last year but they refused that offer. I refused to make a payment for the higher amount and now they are reporting me as being late on my mortgage. could someone please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: CA

Complaint narrative:
I recently found identity theft on XX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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: FL

Complaint narrative:
To Whom It May Concern : I received an alert from Experian about an account being reported by XXXX. Please be advised I have requested validation { not verification } of an item reported to Experian by XXXX. I have received a response through CFPB that clearly violates my rights according to the HIPAA Act of 1996. 

I have filed a HIPPA violation with the Florida Department of Health for XXXX XXXX XXXX XXXX. And XXXX did NOT provide me a HIPPA release for my medical information to be sent to them, therefore by XXXX XXXX providing such information they are in VIOLATION of my HIPPA rights. 

I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. XXXX is in direct violation of HIPPA regulations, and they are facing fines up to {$1000.00}, even possible jail time. XXXX   IS NOT LICENSED TO COLLECT ANY DEBT IN FLORIDA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

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 2018-11-20 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have already reported a Dispute with Equifax ( resolution code XXXX ) & XXXX XXXX ... ( When contacting XXXX   provide your current file number : XXXX ). 

I can't see the results because apparently they don't have my Birth Date information with Equifax ...? ( They have my entire Credit file but somehow without my accurate Birth Date? ) And I can't see my Dispute resolution because of an error that is simply Not My Fault! 
I have called them, multiple times and they wanted me to Fax my Birth Certificate & Driver 's License to them ( the request originated in the XXXX! ) I declined due to obvious security possibilities .How do I Proceed? Please Assist Me! 

Thank You, XXXX XXXX XXXX, MD

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have my student loans with Navient. I was to submit a new application for IBR. I spoke to them on the telephone and explained that I was uncertain what to do in terms of asking for a forbearance or IBR. I was told my current application did not expire for a couple months and I had time. I submitted my IBR application and noticed today that my credit score went down 32 points due to Navient. When I called, they said I missed the application dead line by 4 days and was charged interest fees due to missing the deadline. I was NEVER told this was a possibility and I have been using them for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: CA

Complaint narrative:
I've had my Discover It card for quite some time now ; I was given a Credit Limit of {$1000.00}, I've never been late and didn't have it fully maxed out but they lowered my limit from {$1000.00} down to {$800.00} for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Set up an interested only pymt plan on XX/XX/XXXX with XXXX, initial payment taken on XX/XX/XXXX next was taken out on XX/XX/XXXX. Rec 'd voicemail from acct mgr, XXXX on XX/XX/XXXX stated that the pymt plan there was a problem with it and he needs to address it and if I want his help in protecting my business going forward I need to call him. I called back on XX/XX/XXXX spoke with XXXX who stated that I wasn't supposed to be put on the pymt plan because I just had one XX/XX/XXXX I said ok who's fault is that? It's XX/XX/XXXX go ahead and keep the plan going or start it over, she said she could not do that, I said cancel the pymts and I'll call back because I needed to make another call. Called back and spoke with XXXX who went through the same sad story saying I would not be eligible for the plan until XX/XX/XXXX now and that my options are to pay $ 50+ or $ 80+ to get a different plan I requested a supervisor, XXXX came on the line, questioning everything, said that I could not get a $ 20+ payment and their mistake oh well, I asked for his manager, he claimed none was there, over talked me, said I wasn't getting anything and hung up on me. I called back again asked to speak with a manager Ms. XXXX who allowed me to explain everything, she apologized for the initial rep being incorrect but explained that this lil {$3000.00} loan means nothing in the long run and it's going to hurt me more than it will hurt them, etc when I told her to cancel all future payments. She refused to send me confirmation that the payments were canceled and said that they can not continue to allow me to be on any interest only payment plans period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, i am sending you this complaint because i tried getting these inquires off my credit with Transunion and XXXX. The credit bureaus did not want investigate even after i explained that they were not authorized by me. This has been very stressful because the credit bureaus don't want me to help me. 


XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX   XXXX  XXXX ,XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX & XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -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 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
have sent 4 dispute letters over the course of 5 months to the reporting agency disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX # 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 explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased an XXXX from a seller over the internet on XX/XX/18. I sent two transactions for {$300.00} and {$250.00} for a total of {$550.00} ( which was the cost of the phone ) via the banking app XXXX. I received a confirmation invoice but then the seller blocked my number and instagram and I am unable to contact them. I attempted to request {$550.00} back from them through the XXXX app but was told by Chase that they declined the payment. I was convinced that the transaction would be backed by my bank since it was linked to my Chase account. The seller did not respond to my texts or calls and has not issued a refund for the amount. I have not received the product and know this was a scam. I contacted Chase and they informed me they couldn't do anything because I initiated a transaction. They would not cancel the payment or put a stop on it. I tried contacting XXXX but was unable to get through to their customer service department. I think it is unfair that XXXX isn't backed by the Chase Bank even though we are able to send transactions straight from the app. 

I have attached the confirmations I received from the seller and the invoice. I also attached the email that was sent to me by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service
State: KS

Complaint narrative:
We were contacted by a " Mediation Services '' threatening to sue for breach of contract on a debt I dont recognize that they claim I agreed to 8 years ago and have never heard about since. They threatened to extort legal fees and penalties if I did not agree to pay within 24 hours. When attempting to contact them about this unknown debt they refused to give any information on the debt collector, what the debt was for, and demanded a credit card number before they would send us an email or letter showing said things. We refused to provide the card number they threatened thousands of dollars in legal and court fees and threatened my wifes medical license for refusing to pay.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All credit bureaus are reporting all my medical bill information on their/my credit reports. This is a violation of HIPAA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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: CA

Complaint narrative:
I recently found identity theft onXX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.

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 2018-11-20 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: CA

Complaint narrative:
I recently found identity theft onXX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.

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 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Web site for payments was unavailable to make payments. The alternative was to pay by phone. I was charged a service fee of {$14.00} to use this service. Bank refused to reverse this charge even though it was their web site unavailability that forced me to use the phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I was contacted by Gurstel Law Firm, XXXX XXXX  XXXX XXXX XXXX XXXX, MN - about an old debt. It was a debt that was supposed to be paid by an employer, but alas it wasn't and was in my name. Regardless, I made a {$250.00} payment towards the roughly {$1000.00} debt. I was going to make monthly payments. 

I did't get a single additional piece of paper - and the agent claims that he called me multiple times ( I don't have any voicemails ). Notably I wasn't EVER notified in writing about the total amount due - or the amount they ending up taking from the account. OR that they were going to garnish the account - never a single piece of paper. How is that legal? 

Today I checked my bank account and they had taken over {$1000.00}. When I called the number the bank suggested the agent mentioned that despite the debt being just {$820.00} they take up to 10 % more to cover additional costs. 2 days before XXXX so there is no chance for me to get this handled or fixed before then. I am left with a sum total of {$27.00} in my checking and {$13.00} in my savings. 

How can this be OK when I had made a large payment to them and made intention to pay AND THEN call because my bank mentions that they can reverse it and you can make payments ( as I was originally intending ) and he said that they wouldn't do that unless I was on state assistance ( food stamps ) This has to be the most backwards, dishonest, misleading company. Not only is it NOT A LAW Firm - its debt collection firm, but they lie to you about the pretense of making payment. i would NEVER had made a payment to him had i known they would have stored hat information and then deducted it from the account later. I now have no money and if I wasn't going to be on state assistance - now I'm going to be - how the XXXX am I supposed to get to work and eat for the next two weeks - obviously making XXXX dinner is out, despite saving up for a month and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
have sent XXXX dispute letters over the course of XXXX months to the reporting agency disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 

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 2018-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
I'm an XXXX XXXX solider who serve his country and HSBC doesn't provide XXXX percent customer service they told me that would help me out with fraud transaction, as stated on their ad, we aren't XXXX percent reliable for these fraud transaction and these are the charges XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XXXX XX/XX/2018 XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX XX/XX/XXXX XXXX DISP SALE XXXX More info Select to Expand XXXX I was told that it was supposed to be credit back but it never gotten transffer from the previous card ... i called the customer service rep we spend over an hour on the phone so i got fed up with it. so now im deciding to write this letter so the world can see it.

Company response to consumer: Closed with explanation