vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I called them several times to try to find a solution to have to get a payment plan that I can pay on. To lower the percentage I pay towards this loan it wasn't like I was trying to not pay the loan, the loan is not even on collections they withdrew my rent money from my personal account without calling me first. I tried calling to get a payment plan and they always say there is nothing they can do for this loan several times. The bank is citizens Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
PROFESSIONAL BUREAU OF COLLECTIONS, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON MY XXXX CREDIT REPORT. 
They are collectors for XXXX XXXX XXXX.At the only visit I have ever had I needed to have a tooth pulled.I paid {$200.00} cash at the time of service.In addition I had a deep cleaning which was covered by my XXXX XXXX XXXX   XXXX that I was told was covered.I was given a prescription for XXXX that was paid for by my insurance.This debt is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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:
XXXX XXXX XXXX, account number XXXX is wrongfully appearing on my TRANSUNION credit report.They are collectors for XXXX XXXX. 
At my only ever visit to XXXX XXXX  I needed to have a XXXX XXXX.I pa.id {$200.00} cash at the time of service.I also had a XXXX XXXX.I provided my XXXX government insurance card and was told that I was paid in full for the part of the work not covered by insurance.I received a prescription for XXXX, that insurance paid for. 
The debt is fraudulent.

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 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To '' ATTENTION CHASE CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XXXX at a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " SLATE '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XXXX XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A FREEDOM CHASE CC BECAUSE CHASE IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY CHASE BANK, J.P. MORGAN ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, CHASE BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " CHASE FREEDOM '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To '' ATTENTION XXXX  CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XXXX at a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH XXXX THAT I HAD A PROFILE WITH THIS " XXXX '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XXXX XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A XXXX XXXX  CC BECAUSE XXXX IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY XXXX BANK, XXXX XXXX ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, XXXX BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " XXXX XXXX '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?

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 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To '' ATTENTION XXXX CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XXXX at a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " XXXX '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XXXX XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A XXXX XXXX CC BECAUSE XXXX IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY XXXX BANK, XXXX XXXX ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, XXXX BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " XXXX XXXX '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?

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 2018-10-15 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: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
ALLIED COLLECTION SERVICES, account number XXXX is wrongfully appearing on my XXXX credit report.They are collectors for XXXX XXXX. 
At my only ever visit to XXXX XXXX I needed to have a XXXX XXXX.I pa.id {$200.00} cash at the time of service.I also had a XXXX XXXX.I provided my XXXX  government insurance card and was told that I was paid in full for the part of the work not covered by insurance.I received a prescription for XXXX, that insurance paid for. 
The debt is fraudulent.

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 2018-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

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 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: First Data Corporation
State: PA

Complaint narrative:
On multiple occasions from XX/XX/XXXX to today XX/XX/XXXX telecheck  has incorrectly reported my personal check writing history to multiple retailers including : XXXX XXXX ( 6 seperate visits ), XXXX ( 3 seperate stops ), and XXXX  ( 1 stop tonight involving two transactions with two seperate checks written by me to retailer ). Each occasion telecheck has denied authorization of 10 seperate checks belonging to two of my accounts one a business checking account and the other a high yield investors checking account. The only grounds for denial being that they have zero history of me writing any checks in the past, which is incorrect as I wrote personal checks from my XXXX XXXX and XXXX checking accounts to my landlord for rent every month from XX/XX/XXXX to XX/XX/XXXX ; all of which were cleared without issue by my landlord. The two payments made tonight were actually authorized with the checks both franked and processed as authorizations, clearly showing an authorization frank on the signature line on the back of both checks and no mark or indication on the back of the check showing denial of payment. The register for both transactions at XXXX  still came up as denial of payment by telecheck which was completely contradictory to what the check itself reflected. I then call the authorization phone line and am told that they were going to decide how much I am allowed to spend out of my own accounts with my own checks, which was a slap in the face at the very least and that I would have to calll the department that handles those issues in the morning tomorrow. All of this during my endless work in repairing my credit and taking my own business to the next level, most of which starts with making these much needed purchases mostly equipment in order to effectively sky rocket my corporation in its infancy. It seems as though telecheck and many other financial institutions/ merchants are purposely attempting to pull the rug out from under me at the most critical portion of my entrepreneurialship at 2 years and 3 months in business. I feel as though I am being completely discriminated against on the grounds of Ageism and My high level of knowledge and intelligence and it has literally put myself and the business in a crippling financial stalemate that could make or break a tremendous enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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:
I have sent the attached information to all three credit bureaus and nothing has changed. 

The report states the original charge off was {$5000.00} and High Balance {$1000.00}. 
When actually it was {$10000.00} initial loan.The credit report further shows that no payment was received after XX/XX/XXXX, my attachments clearly disprove that. 

I took out a loan with XXXX XXXX for {$10000.00} on XX/XX/XXXX. I paid it every month at the bank until I went into the bank XX/XX/XXXX and was informed that I didn't have a loan. The teller said it was not in her system, I called Mississippi to the corporate office as I was told. Finally, I was called back and told don't worry about it we will just take your collateral ; I explained I didn't put up any collateral I had good credit. I was referred to XXXX XXXX in Louisiana and he set up a payment plan of {$300.00} a month XX/XX/XXXX which was paid through XX/XX/XXXX until I received a XXXX Cancellation of Debt. The credit reports. reflects no payment was made after XX/XX/XXXX. On XX/XX/XXXX a process server put a citation of service in my Mothers door. XXXX XXXX was suing me for {$3500.00}, I hired an attorney XXXX XXXX, the claim was settled for {$3000.00} ( check copy attached ) Section 2 of settlement documents states it was paid in full. On the credit reports it still reflects incorrect information. I have disputed multiple times and sent copies of my documentation. It is still reflected as an adverse account.

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 2018-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I XXXX XXXX along with my wife XXXX XXXX have worked diligently to get our mortgage back on tract, and we were successful doing so. We are very pleased when Ditech approved our mortgage modification and they even set aside a large portion of the mortgage into forbearance. We have been making our mortgage payments by XXXX XXXX at a local XXXX. However, the payments, which were made in cash were never processed by Ditech, We are sure that there was a problem posting our payments through XXXX XXXX. However, we are now being threatened by Ditech that we have not made our payments and that our home was being placed back into foreclosure. We have not missed any payments and this has to be an accounting problem. We post this problem through the Consumer Financial Protection Bureau as we need Ditech to treat us fairly and to get the accounting problem resolved as quickly as possible. My wife and I do not want to go through a difficult modification process again, but to maintain our current mortgage payments and to have our final modification papers delivered to us as quickly as possible. As I stated earlier, we were both very grateful to Ditech for the help they showed us in getting back on our feet, and we desire to keep it that way. WE will do whatever is necessary to help Ditech resolve this problem, and all payments can be made from now on by regular check instead of XXXX XXXX. In that fashion a cancelled check will always be available to prove that payments are being processed properly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: Nelnet, Inc.
State: CA

Complaint narrative:
accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX XXXX XXXX, reporting false information on amounts, dates, and stauts of acccount. 
XXXX and nelnet account XXXX XXXX XXXX XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: NC

Complaint narrative:
When checking my Equifax credit report in XX/XX/2018, via my Equifax Credit Monitoring paid membership, I noticed there was a joint open account that I did not recognized as mine under XXXX XXXX XXXX XXXX being reported on my credit file. I disputed the validity of this account with Equifax. I checked my report for updates on XX/XX/XXXX & I noticed that Equifax added comment on the account stating- consumer disputes- reinvestigation in progress. ( copy of the report page attached ) On XX/XX/18 I received a confirmation email from Equifax notifying me my dispute was complete. ( confirmation # : XXXX ) When checking my updated credit report, the account that I previously dispute was deleted & removed from my Equifax credit report. ( copy of dispute confirmation & report page attached ) 3 days later I received a monitoring alert notifying me a new account had been added to my Equifax credit report. I checked my updated report ( via Equifax ), & I found the account that I previously disputed & was given confirmation with a confirmation report verifying that the account was deleted/removed from my credit report ( via Equifax ), was reinserted on my credit file, without any notification whatsoever. Despite the fact that Equifax was unable to verify or validate this account during the dispute investigation, they are knowingly reporting an inaccurate & unverified account on my credit file, which is a direct violation of the Fair Credit Reporting Act & violates my personal consumer protection rights. ( copy of credit report from XX/XX/XXXX attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX, XXXX, XXXX, reporting false information on amounts, dates, and stauts of acccount. 
navient and XXXX account XXXX, XXXX, and XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX XXXX XXXX, reporting false information on amounts, dates, and stauts of acccount. 
navient and XXXX account XXXX XXXX XXXX XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: CA

Complaint narrative:
accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XX/XX/XXXX, XX/XX/XXXX, XX/XX/2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX XXXX XXXX, reporting false information on amounts, dates, and stauts of acccount. 
XXXX and XXXX account experian, XXXX and XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.

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