vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-14 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: GA

Complaint narrative:
I recently noticed several accounts and inquiries on my report that I didnt authorize, after being denied credit for a car loan.

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 2019-12-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NV

Complaint narrative:
I withdrew from XXXX University in late XX/XX/XXXX/early XX/XX/XXXX ( see  attached ) due to misrepresentation on the part of the University regarding cost and attendance at residencies. I submitted the withdrawal form requesting any further contact from them be via my personal email, home address and/or home phone. I never heard from them. 

At the end of XX/XX/XXXX I received a letter from Ability Recovery Services stating they had been retained by XXXX University to collect a debt of {$4500.00} and that I had 30 days to dispute the claim. I sent a letter ( see attached ) return receipt requested ( see attached ) requesting information. I never received a response. At the end of XX/XX/XXXX I sent another letter ( see attached ) also return receipt requested XXXX see attached ) stating since they had not furnished the requested materials to not contact me. On XX/XX/XXXX, I received a 10-day letter from Ability stating they were going to " commence the collection process ''. Additionally, I have received two calls from a XXXX XXXX at Ability, which I have not returned as they did not furnish the documentation requested regarding the debt allegedly owed.

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 2019-12-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax refuses to acknowledge that I have Fraudulent inquires on my report even after disputes they refuse to remove. I have included fraud reports and they have left inquires such as XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 These inquires need to be removed under the FCRA identity theft terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I was contacted by mail by a collection agency on XX/XX/XXXX about a debt they were attempting to collect of behalf of XXXX , XXXX . The debt was in the amount of {$700.00}. After confirming with XXXX that my account had a XXXX balance, I contacted the collection agency and informed them that it was a result of fraud as I was the victim of identity theft in the spring of XXXX and that I was still dealing with many cases of fraud by people using my personal information. The agent agreed that they would close the case and I received no further notices from them. Then I received a notice from different collection agency on XX/XX/XXXX about the same XXXX debt of {$700.00}. The XXXX account number listed on the notice was the same as the one in XXXX. I contacted the XXXX collections department and the agent there confirmed that my account has a XXXX  balance. She looked up the account with the XXXX debt, but said that the personal information ( phone number and email ) did not match and would not give me any more information about it. It is obvious that someone has opened a XXXX account using my name and XXXX is continuing to attempt to collect the debt from me even though they admit I owe them nothing. The collection agency that sent me the latest notice is : Convergent Outsourcing , Inc . I am attaching a copy of the notice with their contact information.

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 2019-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
I have an account reported to my credit file as an unpaid debt. reporting company is AWA collections when I look at it on my credit report it states debt was from a bank in XXXX Tennessee. I have not lived in Tennessee in 15 years. I feel this may be Identity theft As I am completely sure this debt is not mine. 
Debt was reported on my credit report by AWA collections XX/XX/2019 then updated on XX/XX/2019 I disputed the debt and the only response I have received from XXXX is that AWA verified the validity of the debt but I still have no proof from anyone that this debt is mine. 
I have no documents from anyone to provide as this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
XX/XX/2018 GM Financial Incorrect Balance- {$720.00} This company is reporting an inaccurate balance. 
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : The above referenced account ( s ) are unverified accounts. The account balance is being reported inaccurately. This account is showing negatively on my credit reports. The above account have adversely impacted my credit. I am requesting for this company to update information on my credit file as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
I never received my XX/XX/2018escrow refund, even though Atlantic Bay claims they gave it to me. This amount is {$510.00}. This check needs to be reissued, since my escrow account falsely shows this check to have been deposited, when in fact it was not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I noticed a new account in collections on my TransUnion credit report. The account originated from a XXXX company ( XXXX XXXX XXXX ), and I can not find a reasonable way to contact them. The alleged debt is for a sum of {$3800.00}, and I'm not sure what this debt could even be for. I have received no notifications of this accounts existence, or of any debts prior to the collections account. 

This company appears to own XXXX U.S., of which I am a customer. I have never gone delinquent on a payment to XXXX. I am unsure of the correlation between my telephone provider and this fraudulent account. 

I believe this account was born of identify theft, though my dispute through TransUnion resulted in no action taken. I do not know what supporting documentation I am meant to submit if I have no knowledge of this debt in the first place, with the exception of a derogatory mark on my credit report. 

Currently, the account seems to be in the possession of a collections company by the name of 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 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I wrote to JP Morgan Chase Bank to the attention of XXXX XXXX CEO to advise him that I had come into knowledge that the Bank issued me a credit card with a credit entry and not actually money. It is illegal for a bank to loan credit in all 50 states. 
This transaction was not disclosed to me and the issuance of credit was deceptive and extremely fraudulent in that I was the only one taking a risk in this transaction. 

I let Mr. XXXX know that I am rescinding the contract immediately or in the alternate that JP Morgan to prove that the bank actually loaned assets of the bank. 

JP Morgan Chase Bank, Mr. XXXX refused to answer my correspondence and sent me a letter saying that the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PARKSIDE LENDING, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I was notified by Parkside Lending who originated my loan on XX/XX/XXXX for the purchase of my first home via phone call that there was a problem with one of  the dates on the paperwork. During this phone call I was told the following : That all the documents were the same that only the dates were different. I was asked to get them signed as soon as possible for my best interest. Before I received the packet I was notified by XXXX XXXX that my credit had been pulled and had a hard inquiry. When I received the email with the new application document I noticed that it was marked refinance. My marital status was incorrect, I was changed to a floating rate, my income was also changed, and a new loan number was issued. Since that time, I have been notified many times by Parkside Lendings over the last 45 days from the mortgage bankers personal cellphone after hours in the attempt to get me to resign the new documents. He told me in several different ways that it would be in my best interest to sign the new documents. I had made my first mortgage payment on XX/XX/XXXX and it was not applied until approx 10 days after making it. It appeared they were holding it as they tried to get me to sign new loan documents. 

There have been many conversations since the XX/XX/XXXX with the following employees of Parkside. 

XXXX XXXX - Loan Officer XXXX XXXX - Area Manager I've been told that my loan was closed a day earlier than TRID allows and that is why they are trying to originate a new loan as my loan is not saleable to HUD. 
This situation has been handled unprofessionally by the lender and those involved. It has been extremely stressful with concerns that I am going to lose my home. I've contacted an attorney and was advised not to sign anything. I've told XXXX XXXX that I am not interested in refinancing and he continues to harass me. 

I have my original loan documents, the closing package and the new loan documents in paper form if needed. Please notify me if copies of these docs should be forwarded.

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 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK
State: NY

Complaint narrative:
This is about my CNB XXXX XXXX XXXX Credit Card. I was charged the annual fee in XX/XX/2019, then CNB sent notice to me announcing that they are cutting the card benefit significantly. I called customer service to close the card and asked for a refund for the annual fee. The credit card is closed however there is no response to my request for the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is back at its old habits soaking its customer with fees. For a new checking account I got, Wells Fargo has not provided me a debit card yet. As such, I had no way to access my money. I went into the Wells Fargo branch and they gouged me {$6.00} for 6 checks to be able to pay bills and access my money. When I called, they told me that they do this to all accountholders - even if they have not been provided with another way to access the money. You can withdraw cash but must pay for a money order to pay a bill. I spoke with XXXX XXXX in the executive office who also did not assist with a resolution in the immediate herself.

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 2019-12-14 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:
Experian refuses to remove false negative information on my credit report. XXXX and XXXX have both removed this false information. Experian for some reason refuses to investigate and has not provided me with any proof with my signature as to how the accounts were verified and not removed.

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 2019-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Credit Bureau : Transunion I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the court? ( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 4 ). Can you provide me with the contact number and name of the person you talked to? My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : US BKPT CT TX XXXX Date Filed : XX/XX/2017 Bankruptcy chapter XXXX-dismissed Reference : XXXX and US BKPT CT TX XXXX Date Filed : XX/XX/2017 Bankruptcy chapter XXXX-dismissed Reference Number : XXXX We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the 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 explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was contacted by mail by a collection agency on XX/XX/XXXX about a debt they were attempting to collect of behalf of PayPal , Inc . The debt was in the amount of {$700.00}. After confirming with PayPal that my account had a XXXX balance, I contacted the collection agency and informed them that it was a result of fraud as I was the victim of identity theft in the spring of XX/XX/XXXX and that I was still dealing with many cases of fraud by people using my personal information. The agent agreed that they would close the case and I received no further notices from them. Then I received a notice from different collection agency on XX/XX/XXXX about the same PayPal debt of {$700.00}. The PayPal account number listed on the notice was the same as the one in XX/XX/XXXX. I contacted the PayPal collections department and the agent there confirmed that my account has a XXXX   balance. She looked up the account with the XXXX debt, but said that the personal information ( phone number and email ) did not match and would not give me any more information about it. It is obvious that someone has opened a PayPal account using my name and PayPal is continuing to attempt to collect the debt from me even though they admit I owe them nothing. The collection agency that sent me the latest notice is : XXXX XXXX , XXXX . I am attaching a copy of the notice with their contact information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In the beginning of XX/XX/2019, I was promised by a Chase Private Banker XXXX XXXX in XXXX XXXX, XXXX  that my deposit of more than a XXXX dollars would receive an interest rate of at least 1 %. Additionally, it would be backdated to when the amount was deposited into my checking account on XX/XX/XXXX. At the same time, a certificate of {$1200.00} was promised if I kept {$250000.00} in the account for at least 3 months. After much communication with the bank and involving the OCC, Chase granted the {$1200.00} into my account in late XXXX after many efforts by my address this issue. 

The large credit for the higher interest rate for five months, however was never deposited into my account. My complaint is that I've been trying to address this with Chase both in person at the branch and via telephone with several Chase departments and it is still not resolved. The Chase Private Banker and the XXXX XXXX Chase Branch Manager XXXX XXXX agree that this interest is due to me and have admitted that it is a branch error as well as submitted paperwork to the district manager and Executive Office to rectify the situation.

The Executive Office, however, has contacted me and stated that the they can not backdate interest on  accounts. What they fail to understand that I was told by the Chase Private Banker in XXXX that the rate increase would be applied to my account going forward. Chase still owes me this interest starting in XXXX and it amounts to thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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: AES/PHEAA
State: CA

Complaint narrative:
To whom it may concern, In XX/XX/2019, I applied for the Public Service Loan Forgiveness program, via Fedloan servicing. On XX/XX/2019, I received a letter from Fedloan Servicing stating that I had only made 26 qualifying payments toward PSLF. The letter also stated that I have 94 additional payments to make, before I was eligible for the program There was very little information in the letter.

I would like Fedloan Servicing to answer the following questions for me : 1. Please tell me why these 26 payments, were different than the many other payments that I have made?

2. Please provide me with the dates of when these 26 payments were made?

3. Please provide me with the amounts of the 26 payments?

4. Please tell me why my income eligibility was only based on the last 12 months of payments, rather across the entire time that I have been make payments?

I also applied Temporary Expanded PSLF. I received a letter on XX/XX/2019, stating that Fedloan needed additional tax related information to complete a review. On XX/XX/2019, which stated that based on my income, that I did not make payments that were large enough, based on the FedLoan calculation. 

At this point, I have been denied both programs for the following reasons : 1. I did not have enough qualifying payments, but I have not been given any specifics of why the 26 qualifying payments were unique enough to be found qualifying. I have not been provided the dates, of those payments nor their amounts. I have not changed anything related to my student loans.

2. Based on an arbitrary calculation made by Fedloan, which only took into account my current income, and the previous 12 payments, it was found the I am not eligible for the Temporary Expanded PSLF opportunity, due to not having made large enough payments.

It stands to reason, that as long as I have been making payments, that I would be at my highest income level currently. Utilizing only the last twelve payments to calculate the amount, is a punitive and arbitrary rule, that is specifically designed to make it easier to disqualify applicants.

I will be filing a complaint with the Consumer Financial Protection Bureaus, and with my local Congressman. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I called am express to waive my late charge as my wife was at the XXXX XXXX. they waived a charge but added double late fees in XXXX I said why and they gave no explanation.. this happened many times. icalled to make payment on XX/XX/XXXX ( the due date ) charged a late fee. I didn't notice this until my XXXX statement when I saw a fee was charged on my due date ... it was on time, yet they charged a fee ... MY MAJOR COMPLAINT IS 29 % increase in apr for the XXXX AND ILLEGAL .... this co. has been doing this for a long time- this is illegal- they be fined for unfair credit practices. please respond payments have ceased until this problem is resolved. thank you XXXX XXXX -- - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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