vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i have TWO separate complaints against Chase Mortgage. The first one is that for 10 years they reported one of my mortgages as " Modified '' - the said loan was never modified, after MANY hours of documentation and phone calls back and forth to their executive offices they finally 2 years ago admitted their wrong doing and sent me letters stating they were fixing the incorrect information to all 4 bureaus. THen they did it AGAIN 6 months later.. then AGAIN 6 months after this. i have endless amounts of paperwork re my complaint and supposedly they are not " doing this again ''. Then in XX/XX/2018 i had made a Partial Payment on one of my mortgages. Around the first week of XX/XX/XXXX?, might have been an earlier month/, when i went on line to pay the rest of the payment on the XXXX i didnt see that they had applied the first {$500.00} or {$600.00} payment. I CALLED and spoke to someone on the phone/ overseas possibly and they informed me that they had inadvertently applied the funds to my ESCROW account to which i said NO - i wanted it towards the payment. The rep at the other end of the line said OK we will fix it/ do you want me to draft the balance of the payment from your normal XXXX XXXX checking account ending in XXXX.. i said  YES, she gave me a conf number and stated again that they had to FIX their mistake re applying funds toward the escrow vs actual payment. the following month i saw they had charged me a 30 day LATE reporting and DENIED that i had EVER made the phone call in the first place!. i again reached out to their executive offices/ provided AGAIN all the information and they wrote me back and basically called ME a liar! i have paid back XXXX  of XXXX  of $ $ to CHASE on the many many many mortgages i have had. they are incompetent and could care less about erroneous reporting. this XXXX on their part has cost me to have several CLOSED accounts AND have other limits dropped completely. for ONE LATE payment that they messed up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and XXXX called me to inform me that they see that I qualify for a lower car note payment. The question was asked if I would like to do so, I said Yes. No one mentioned having to run a hard inquiry on my credit during the process. I did not even go through with the process because I leave in XXXX and the dealership is in XXXX. There were two inquires placed on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I contacted Navient in XX/XX/XXXX to discuss repayment options and they recommended I apply even though I stated I could make small payments and decided to make some of them anyway ( {$50.00} per month ). 

XX/XX/XXXX I was contacted by Navient to and told : " You're eligible to resolve your past due payments through forbearance and you may qualify for a new repayment plan. '' XX/XX/XXXX I was again contacted with the same email pushing me toward forbearance There have been many times over the past years that I have contacted Navient to talk about repayment options due to limited income and life situations. More recently, on XX/XX/XXXX I was put on forbearance when I contacted to inquire about what to do since my College has closed. I was put on forbearance and told to submit paperwork which I sent in but I never heard back and my payments reinstated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I added my husband onto my Capital One credit card as an authorized user. Capital One was reporting his credit scores until I called in about a balance that I ended up having to dispute. The problem was resolved with the balance, but my husband 's credit scores went from 700+ to XXXX. I contacted Capital One 7 times to explain the situation and they said they were submitting his scores and to contact XXXX. I contacted XXXX   who informed me that Capital One was not reporting my husband 's credit scores as an authorized user on my account. I contacted Capital One repeatedly concerning this issue and they asked me to write a letter to their Discrepancy Department. My husband still does not have his scores being reported even though he is an authorized user with an active credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 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: NV

Complaint narrative:
I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there has been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. I notice this fraud account being reported to my file from XXXX XXXX reporting from XX/XX/2015 As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me. This issue has been reported to the FTC as 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 2019-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I opened a Citibank banking account package because there is a promotion running. It said I could get {$500.00} bonus if I opened the package and transfer {$25000.00} to the account and keep it till XX/XX/XXXX. I tried to open through the link provided, but it said system could not verify information and asked me to call and apply. So did I, and the agent over the phone confirmed that I successfully opened the package and enrolled in the offer. I did all the requirements afterwards, but I do not receive the bonus as of yet. I called on XX/XX/XXXX and the agent said she would transfer me to personal banking department, but actually disconnected me. So I feel the only way is to complain through CFPB.

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 monetary relief
Consumer complaint received 2019-01-16 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: MS

Complaint narrative:
I noticed 3 inaccurate accounts on my Equifax credit profile that you maintain under my social security number, therefore this may be a result of identity theft. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights per FCRA 604 ( A ) ( 3 ), and FCRA section 605B, which details your responsibility to block fraudulent information on my credit report that may have resulted from identity theft. I have filed my FTC and 605 B affidavit. 

( My notarized drivers license for identification and proof of residency is enclosed ). 

XXXX XXXX XXXX Incorrect High Balance Reporting/ Incomplete Account # Reporting Invalid information reporting by furnisher. The Fair Credit Reporting Act 609 ( c ) ( 4 ) requires the furnisher of this information to provide the date and amount of any checks which is based on late payment history by me. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 1 ) and the FCRA 623 ( a ) ( 7 ) ( G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 )  XXXX XXXX XXXX XXXX- XXXXAccount # Please update this account to show {$0.00} balance " paid in full '' this account does not have a {$5700.00} limit, it is paid off XXXX XXXX Incomplete Account # XXXX reporting and Incorrect high balance reporting NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Inaccurate account not in compliance with FCRA Section 623 ( a ) ( 1 ) ( C ) permanently delete this from my credit file per FCRA 623 ( b ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WA

Complaint narrative:
Applied for a credit card, was denied. Checked credit on XXXX and found " XXXX XXXX XXXX  ' for XXXX XXXX in the amount of {$350.00}. I had an account with XXXX  in XX/XX/2007 - but it was closed. 
I have no idea what these people want after 11 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
The cosigner on my private loans was paying one of my loans from Sallie Mae through Navient. He was assisting me with this loan because I have already been struggling with other student loan payments. After my cosigners death, the automatic debit from his bank account stopped and now the loan is a few months passed due. With an already extreme interest rate, the principle is now even larger. Only after contacting Navient did they inform me that there was nothing they could do and the loan would be completely on me to pay. Even with my other loans from Navient and XXXX being on an income-based repayment plan, if I were to start paying this outstanding loan by myself, I would be paying over {$1000.00} per month just in loan repayments. I am starting to believe that Navient is not giving me the lowest possible payment on an income based plan. People who I know that are in similar situations pay much less. I have over {$200000.00} in student loan debt, with a job that requires a XXXX XXXX and only pays {$55000.00} per year. This student loan debt is near crippling to someone who lives in an expensive metropolitan area for work, is newly engaged and wants to start a family. There is no end or relief in site for me or others in my situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My original loan was for with Sallie Mea at XXXX college I was paying my loan XXXX College the school was discredited making my schooling useless They are on the hook not my family ... I never got a job as a XXXX XXXX XXXX which I was at the top of my class .Navient is the new creditor harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Recovery Services, LLC
State: MS

Complaint narrative:
RRS is assuming that the debt is mine due to my lack of dispute to their initial communication letter. However, according to the FDCPA, my lack of response is not an admission of debt. On XX/XX/2018, when I called the representative admitted to not having any documentation on file about the debts. Afterwards, RRS voluntarily ( without my knowledge or permission ) obtained my records from XXXX which included itemization of services that listed the labs I took, an XXXX  " Acknowledgment of Receipt of Notice of Privacy Practices '' with my signature, an XXXX  " Patient Information Sheet '' with my signature, and a copy of my driver 's license. None are these are CONTRACTS stating I take responsibility for the bill. Also, RRS violated HIPPA by obtaining my private medical information without my permission because they admitted to voluntarily obtaining my files. This means that RRS cant produce a HIPPA Release form where I gave them permission to obtain my medical services. RRS reporting their accounts to the credit reporting agencies, is illegal due to them using information illegally obtained. Theyre saying my disputes have no factual or legal ground, however with RRS having my medical file and information without me knowing especially after their representative stated they had nothing on file for me is a clear violation of the HIPPA Laws. RRS is aware of this violation and refuses to remedy the situation. They are now subject to up to {$50000.00} in fines per violation according to the HIPPA Guidelines. By continuing to report the information they are exercising illegal debt collection. Also, I checked with the hospital and they confirmed that there is a balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
Carrington Mortgage Servicrs LLC Does not let you pay your mortgage without charging you. My name is XXXX XXXX My account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i had business account in bank of america since 2 year couple month ago someone stolen to the bank check book than he wrote XXXX totally ten different check ( XXXX something for each ) than they hold my account and they don't give me any information what I m gon na do I can't open new account from any bank i report to XXXX couple time on the phone and did application online but nobody send me e mail or any call PLS HELP ME PLS 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 2019-01-16 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have a collection account with XXXX XXXX XXXX. They are reporting wrong on my credit report. There was a settlement agreement on XX/XX/2017, by their attorney to make a payment of XXXX dollars a month due on the same day each month. I am paying as agreed, but why they are reporting this account is late to all credit bureaus. My right is being violated under the Fair Credit Reporting Act. My file number is XXXX under my married name now divorce. I would like this collection to be removed from my credit report. I have the right to an accurate credit report. I have a signed letter from the creditor or collector is solid proof that an agreement was made. Please delete this from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
On XX/XX/XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX placed a collection on my XXXX credit report from " XXXX XXXX XXXX '' in the amount of {$500.00} stating the debt was XX/XX/XXXX. I have not only not received a letter allowing me to disputed this collection as required, I have no knowledge of this debt or the original lender.

I contacted them by phone today and they referenced an email address and bank account that hasn't been opened since XX/XX/XXXX which makes me think they are re-aging a long expired debt that is out of Sta
tue of Limitations to collect on.

I was offered that I could pay to have it deleted instead of going through all the hassle of disputing it which also sounds fishy and illegal.

This fraudulent collection on my report has now caused great harm in my prefect credit report with no blemishes and lowered my score by more than 60 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
I got approved by this company for a loan to purchase some furniture, everything was ok at first until they decided to change my contract to their benefit without notifying me about the change, when I call them they were extremely rude about the situation, I decided to pay off my loan and asked to close this account, I did not want to have any type of business with these people due to the fact that they have poor customer service, almost a year late I get a call from them asking for a late payment, so I call back and ask what this was about and according to them I owed a maintenance fee, when not once in almost a year later did this people made an effort to contact me about any maintenance, so I'm not about to pay any fee for a service that was never render. 
They stated that it would be removed, even though they did not have it on file, ok, so I asked for an email confirming the change, which they refuse to do, they also refuse to let me speak to the manager to solve the issue.

I want people to know that this is not a very friendly company, they will try to get your money with the so call " maintenance fee '' be really careful, revise your agreement make sure they don't change without you knowing it or prior notice. and the fact that they don't want to send emails confirmations or let you speak to a manager to resolve an issue, to me shows they have something to hide.Send people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to you regarding the money you are claiming payment for, on the above account. 

I am unable to repay the {$410.00} due to unforeseen circumstances. 

I can instead offer the total amount of {$100.00} which is 75 % or {$200.00} which is 50 % as a full and final settlement. 

If this is accepted, you agree that you or any associate company can take no further action against myself to enforce or collect this debt and that I will be released from all liability. 

Please also confirm that you will also mark my credit reference agency file to show that you have accepted the above amount as the full and final settlement and that the account is closed and paid. 

I am able to pay the amount I have offered within [ insert length of time within which you can pay ] once you have accepted my offer and I have received written agreement of this. 

Please confirm where to make payment to. 

Yours faithfully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/XXXX i called XXXX about my account ... a School loan debt forbearance. In late XX/XX/XXXX/early XX/XX/XXXX, i submitted a loan debt forbearance form ( but with the input of wrong dates ). I did get info that my request was pending on my XX/XX/XXXX request. I called on XX/XX/XXXX and the representative said the form submitted on XX/XX/XXXX was deleted because it was a duplicate request ; it was not a duplicate request. It was request with different dates and a different form. 

The representative sent an inquiry to the claims processors for adjustment and stated i would hear from them in 3-5 business days. Its been longer than 7 business days. Ive sent in 2 online inquiries since and have not received any feedback about my conflict.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 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 — Problem with personal statement of dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
So I filed a previous complaint against Midwest Recovery Systems only for them to totally respond with information that was nothing but a lie. They claimed that MRS policy to send notice within five days of communication per the FDCPA. Our internal policy is to honor both verbal, and written validation requests. 

MRS broke the law per FDCPA because they put this so called debt on my credit reports without notifing me at all, their agent callled and bragged that MRS had already submitted to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to you regarding the money you are claiming payment for, on the above account. 

I am unable to repay the {$810.00} due to unforeseen circumstances. 

I can instead offer the total amount of $ which is 75 % or {$200.00} as a full and final settlement. 

If this is accepted, you agree that you or any associate company can take no further action against myself to enforce or collect this debt and that I will be released from all liability. 

Please also confirm that you will also mark my credit reference agency file to show that you have accepted the above amount as the full and final settlement and that the account is closed and paid. 

I am able to pay the amount I have offered within [ insert length of time within which you can pay ] once you have accepted my offer and I have received written agreement of this. 

Please confirm where to make payment to. 

Yours faithfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation