vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Company contacted me and will not provide their company name or address. Told me they had an account with overdraft fees that was closed in 2010 and that they were going to turn me into XXXX and get a judgment for a deters examination. I have call recordings as well. I even asked if they were insinuating that they either had or would get judgement against me and they said yes. I informed them the debt is to old and again for their contact information so my lawyer could send them a formal response to their collection. They were unwilling to provide any documentation of the alleged debt.

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 2020-04-17 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Complaint Against Chase Cardmember Services Chase Credit Card A transaction occurred with the XXXX XXXX on XX/XX/2020 in the amount of {$370.00}. 
The items were returned and the XXXX XXXX issued a credit on XX/XX/2020 of {$370.00}. Receipts are available for these transactions. There is no dispute between the XXXX XXXX and me. 
This dispute is with Chase and its cardmember services employees who created a dispute, when there was none between the parties and then maliciously reported it as unresolved to credit agencies in order to hurt my credit. I request a severe sanction be made against the employees who are responsible. 
On my Chase billing statement for XX/XX/2020 Chase had not applied the credit and billed me as though I had purchased the items. I notified Chase the items were returned and they instructed me to deduct the charge from the balance. ( Correct balance was paid for XXXX bill. Apparently it is Chase 's procedure to file a complaint about the transaction so I gave them the required information. The following month 's billing statement for XX/XX/2020 correctly showed the credit Chase applied from the previous month and the payment for XX/XX/2020 billing statement was paid. Everything was correct if they didn't do anything more. 
Cardmember services contacted the XXXX XXXX and they produced both receipts showing the two transactions. Despite everything being confirmed by both parties and there being no dispute, Chase cardmember services re-billed the purchase for {$370.00} on my next statement. I called them multiple times to try and correct this and each having to wait nearly an hour to talk to someone they continued to ignore the facts. I told them I will not acknowledge this rebelling charge as valid and will not pay it. In effect they damaged my credit by contacting XXXX, XXXX, XXXX, and XXXX with a false and malicious reporting of their being a dispute. Additionally they are creating a third transaction that never occurred and they have no documentation to support doing this. At a minimum they should be fined and sanctioned for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TN

Complaint narrative:
ACCOUNTS DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of XXXX XXXX XXXX # XXXX my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
As requested per the Freedom Mortgage website on XX/XX/2020, I had to fill out a loss mitigation form and a write letter in order to be consider for the mortgage relief during these unforeseen circumstances of the Covid-19 pandemic. I have submitted all the information that they have asked of me by email, I have also tried calling them numerous times but to no avail. I have not gotten an answer from a live agent only a recording directing me to go to there company website. I have received a letter from them today ( XX/XX/2020 ) and appears to me that they are trying to foreclose on my home. I have never miss a mortgage payment with this company I was only seeking assistance because of the unsurety of this unforeseen pandemic.

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 2020-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
CNAC contacted me on the day my payment was due trying to collect it before it was even late. I was already about to pay it when it was due. They left threatening voicemails to escalate the situation and call my employer, friends, and family if I did not pay within thirty minutes, which would have still been within the due date. I was contacted by a representative named XXXX from the XXXX branch I believe. They were very rude, and I called a little irate myself because of the voicemail they left me. Theyve done this multiple times and definitely show no remorse for the ongoing pandemic. Please hold them accountable for their unfair and aggressive practices. Attached is the voicemail he left me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: CA

Complaint narrative:
I mailed out my letters to XXXX on XX/XX/2020. I received a response today XX/XX/2020, We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized party. 

They did not leave any advice on how to submit the request, so that they will know that the request is directly from me. This just seems like a stall tactic. 

I have submitted request before the same way and nothing was removed nothing was updated i.e. comments under the accounts, personal information remained the same. In my request ( disputes ) I provide a copy of my social security card, driver license, and a bank statement and they have failed to remove the accounts, and update my personal information. 


Experian : This company has failed to update the comment section of the accounts that these accounts have been disputed by the consumer. I sent out my letters to them on XX/XX/2020, and when I log into my Experian account all the disputes have been completed but some accounts dont have the verbiage that consumer disagrees and has disputed the account. 

Please look into this for me any assistance that you can provide would help. 

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 2020-04-17 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:
Since XXXX I start to sending letter and I report to the police department because I run my credit and the accounts shows in my report and those accounts are not my.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: CA

Complaint narrative:
It was recently announced on the news that all students who attended the now-defunct for-profit XXXX XXXX school should have their loans completely forgiven. But Navient keeps insisting that I continue to make payments despite this announcement by the U.S. regulatory settlement. 

My name is XXXX XXXX and I am a victim of the predatory loans acquired from attending the deceptive school XXXX XXXX. Please contact me at XXXX and email : XXXX, to help me settle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
I sent money by cash app. The person i sent it to has changed their number and is no longer talking to me. I have asked for a refund but they refuse to refund my money. I have explained everything to them but all i get is a general reponse saying they do not do reunds. They are holding {$260.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
I was notified by a collection account XXXX XXXX XXXX by a they made to my wife I requested that all communication be made via U.S mail and that any phone called would be recorded sense they threaten sue me and put lien on my home, i ask them to forward any paperwork to that showed i owed them money or had a debt with them, they could not show me any thing and didn't supply me with the paperwork i requested. now after almost sense months later they have team up with another collection company never giving copies of the debt they are trying to collect on and threatening legal action with a company called persolve legal group with have a tendency to file lots a law suits to try get a judgement against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TN

Complaint narrative:
THESE ARE NOT MY ACCOUNTS

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 2020-04-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I received a explanation from SPS servicing today XX/XX/XXXX. In this letter it's states that I owe XXXX + an additional {$34000.00}? That brings the total {$150000.00} for this home? If this home was sold you would never receive that price. You never answered to me why this balance never goes down, with this modification loan. I thought a modification is to help you, not to destroy you. My cousin also who lives in Florida got a loan modification, several years after me and her balance has come way down. Me, mines has tripled and will never come down. Why does SPS servicing have a bad XXXX rating, and it definitely shows in the way people are treated by them. My ex bought this home in XXXX for {$89000.00} that's over 21 years ago. What's the purpose of a loan modification, if it's not helping? My Congressman XXXX said that you're doing this to make a profit, when you can eliminate a portion of the debt, and allow me to pay less than I originally borrowed. He said I should be getting a principal reduction and a lower interest rate. Why did you send me another application for a loan modification?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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:
Since XXXX I start to sending letter and I report to the police department because I run my credit and the accounts shows in my report and those accounts are not my.

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 2020-04-17 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:
Since XXXX I start to sending letter and I report to the police department because I run my credit and the accounts shows in my report and those accounts are not my.

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 2020-04-18 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: CT

Complaint narrative:
inquiry show up on my credit from this company. I try getting in contact with this company and they refuse to remove the inquiry from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: TN

Complaint narrative:
THESE ARE NOT MY ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) : Experian XX/XX/XXXX XXXX XXXX PDT From XXXX XXXX XXXX Other Experian has no record of this account. The other credit bureaus do. Experian advised me to request from XXXX to resend the account information to Experian so that my credit score will increase. I'm trying to buy a home and get the best terms. XXXX XXXX XXXX  XXXX XXXX XXXX said Experian was responsible for deleting this account information in error not the XXXX. I want Experian so to add it back to my credit report. The information was mysteriously deleted from my credit report. Experian Report XXXX. Experian should have updated the status as paid car loan. Instead, Experian deleted the from my credit report and thus lowered my score. I should have three paid off car loans, two from XXXX but now only one from XXXX shows up on my Experian 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 explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: CA

Complaint narrative:
On XX/XX/2020 I called Paramount Debt Recovery and spoke to XXXX at extension XXXX, concerning a bill and she acted as if she didn't wan na hear anything that I had to say and I was just trying to explain to her about the debt not being mine, it is my medical bill, but the insurance company is responsible for the bill because of my husband being XXXX and retired and this outstanding bill of {$2000.00} should be taken care of because I already disputed the bill with XXXX and Paramount Debt Recovery and also paperwork was forwarded over to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I wired money from my Bank of America account to my account with XXXX In XXXX XXXX. The amount was sent but was then returned according to XXXX XXXX, it was been out back in to my account in America and I have been trying to get hold of someone in the bank to help me with this. even when I finally get hold of them I am transferred to another department, who either dont answer the phone or hang up. I have spent about 8 hours on the phone over the last 2 days and still havent managed to get to speak with anyone who is willing to resolve this issue. My confirmation code is 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 monetary relief
Consumer complaint received 2020-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D.B.F. COLLECTION CORP.
State: NJ

Complaint narrative:
Hi- Thank you for your assistance. I received noticed from XXXX XXXX, Manager DBF Collection Corp XXXX that I was a guarantor of a lease in which the tenant had not paid her rent and was found in court to owe money to the landlord. 

I requested a copy of the lease which was " partially '' sent over. I say partially because this lease was an E signed lease through a program similar to Docusign. These online leases typically have an additional page which details the the email address and other things related to confirming who signed the lease. I requested the full copy of the lease from XXXX XXXX and XXXX XXXX, who works for the property management company XXXX XXXX XXXX XXXX. If they were unable to provide the full copy, I asked them for proof as to which email address the lease was sent to in order for it to be signed. 

I requested from XXXX XXXX and XXXX XXXX this remaining page/email address which they have refused to send over. I ask for this page because ( a ) It is part of the lease ( b ) I confirmed in my email box on the date and time the lease was signed ( signature line is marked with a date and time ), I never received such email to sign to the lease ( c ) I noticed that the IP address under both tenant 's and guarantors section was identical. Meaning that the tenant was the likely one to have created a fake email address and signed it.

From what I read online, the debt collector is obligated in this situation to provide the full lease and refuses to do so. Furthermore, no court has found me nor the guarantor on the lease responsible for paying this debt. I have never been taken to court on this matter. Also should be noted the guarantor section asks for a notary and to document isn't notarized. 

I politely request to have this debt removed and XXXX XXXX and his client sanctioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I called discover XXXX XXXX at XXXX California time to speak with a representative to inform him i wasn't able to make my XXXX payment and he stated that I was signed up for direct pay and i said I dont remember doing that then they put me through to XXXX XXXX XXXX in the refund department to listen to the phone call i said it on discover called me few days later and said I did say it. O said I don't care if I did I also said I couldn't make the payment and you guys took the {$73.00} anyway out my checking account and over drawed my account and a fee of {$34.00} added to it. Now I cant use my account because of discover and I dont have the money to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18 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: IL

Complaint narrative:
The company continues to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation