vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Two major charges, one for {$4900.00} dated XX/XX/2019, and one for {$9500.00} dated XX/XX/2019, and both for payments made to XXXX XXXX in Virginia, and which more than doubled authorized credit allowed for this credit card account, appeared in statement for XX/XX/2019. I was not notified of this unauthorized overcharge by the company prior to receiving monthly statement, and there is no evidence to me otherwise of red flagging for these major charges. I spoke with Customer Service representative for credit card on two occasions, lastly on XX/XX/2019, and have spoken with companys fraud desk, lastly on XX/XX/2019 and XX/XX/2019, and was told in first instance that next statement should reflect a correction or adjustment and in last instance that they ( fraud desk ) were waiting to hear back still from merchant vendor, that is, XXXX XXXX. 
I am concerned that these unauthorized charges were recorded in the first place, that I was not immediately notified by phone questioning me if I had actually made those charges, and for amount of time already involved in resolving this matter to my satisfactionwith all unauthorized charges and related interest 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 explanation
Consumer complaint received 2019-11-04 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I recently checked my credit score/report and noticed an open account from synchrony/ pay pal ( sync/ppc ) with a total amount of XXXX dollars. This is not my account. I called the company and filed for fraud/resolution.

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 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine US DEPT OF EDUCATIO XXXX not mine XXXX XXXX XXXX XXXX not mine PUBLIC FILINGS BANKRUPTCY : DISC CH-XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: NJ

Complaint narrative:
I received a notice dated XX/XX/2019 from Professional Account Management , LLC. Original debtor is XXXX XXXX XXXX. 

The XXXX XXXX system is very flawed. I could have sworn that this amount was taken care of, after I disputed via the forms of the amount they were attempting to collect originally. 

The violation fees were waived and they deducted the remaining amount of the actual toll from my XXXX XXXX balance. I am disputing this entire amount sent from the collection agency in the amount of {$200.00}. 

They are threatening to suspend my license plates as a result, if I fail to respond to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase had sent me two letters recently claiming that they could not locate the transaction information that I requested. 

Chase has not provided any reasons why they could not locate the information nor they identified clearly on their letters which transaction information they are referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
On XX/XX/2019, we received notification from Rushmore in that our mortgage assistance request was denied. However, the lender failed to comply with certain requirements pursuant to treasury Loss mitigation requirements. Currently, the only loan modification option is the Standard loan modification. lenders must performed an evaluation which is refer in the guidelines as to the NPV report in order to make an adequate assessment. The lender failed to provide a copy of the appraisal, per Federal guidelines a homeowner is entitle to receive. In addition, per treasury guidelines, lenders must provide detail information as to why the negative NPV results. We are under the impression that the lender never processed the loss mitigation request and is the reason no appraisal was conducted. It is obvious that the lender acted in bad faith while ignoring all loss mitigation Federal Rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PENNYMAC LOAN SERVICES LLC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Exquifax credit score of XXXX is to low. My Credit Score should be XXXX or above. I feel they are Discriminating against me because I am XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2019 Equifax dropped my credit score by 29 points due to an a late payment alert on XXXX XXXX XXXX. This account was closed, paid in full, in XXXX of 2019 so there was no payment to have even been made. I contacted Equifax about the issue, and on XX/XX/2019 my score was only updated one point! As this was an error on their part I should have received all 29 points back. Equifax hung up on me, refused to let me speak with a manager several times, then told me I had to pay {$7.00} if I wanted to know my credit score. The same issue happened with Transunion, but they updated my score to the original number immediately. After going in circles and getting no where I am hoping you will be able to get my score updated back to the original score before XX/XX/2019 when it was dropped 29 points. I spoke with XXXX ( employee # : XXXX ) and XXXX ( employee # : XXXX ) from Equifax who were the most rude and unprofessional people I've ever worked with. Please help to fix this error as I shouldn't be punished for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMERCE BANK
State: MO

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I wrote a letter to each credit bureau and had it notarized and sent certified mail. The letters were received by XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  on XX/XX/XXXX. The letters requested from the credit bureaus that physical verification of the debt from EOS CCA be collected by the credit bureau and sent to me, verifying the debt per the FCRA. If they do not send the physical verification requested to verify the debt within 30-days, EOS CCA must immediately stop reporting this debt to the credit bureaus. Today is XX/XX/XXXXand EOS CCA has not complied with the demand to send the verification of the debt to me or the credit bureau and has not stopped reporting this debt at any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-11-04 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: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX XXXX never late XXXX XXXX not mine US DEPT OF EDXXXX XXXX not mine PUBLIC FILINGS BANKRUPTCY CH-XXXX DISC  XXXX not mine

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 2019-11-04 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: MO

Complaint narrative:
XXXX credit score of XXXX  is to low. My Credit Score should be XXXX or above. I feel they are Discriminating against me because I am 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 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This credit account has had issues with the credit card company posting monthly payments to the wrong months. have filed other cfpb complaints about this account. On XXXX XXXX was paid monthly ss XXXX payment for XXXX on XX/XX/XXXX sent in monthly payment for this credit card as i normally do. On Sunday XX/XX/XXXX checked to see if payment was posted. Payment was posted but posted on XXXX billing cycle that was paid on XX/XX/XXXX. Called the credit card comp on Monday XXXX XXXX at XXXX XXXX. Revived the same stonewalling that the account closing date was XX/XX/XXXX and not the XXXX of the month again and that the payment could not be moved. Told rep on the phone that if you look at the account i have filed more then one complate about this and the account is flagged and in dispute because of wrong payments being posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
From XX/XX/2019 made payment by mail internet is not working it was mail I get call by the bank I told them I sent payment XXXX the person on the phone use nice words told me I had to come up with XXXX for what fees lates charges and pay XXXX this is not 30 day past do calls and time XXXX am XXXX XXXX payments will sent out by XXXX 2019 my complant I doing business with this bank for 14 years thratening phones will not work with me on fees and put on credit file if I did pay for 3 mouths 3

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
Received calls from a XXXX XXXX from Convergent from XXXX on my private work phone stating I owed a debt, but didn't elaborate from where. 

I believe it is XXXX, because I switched services but they didn't cancel my plan right away when I transferred my number and plan to another company, and state I owe a half month service, which I do not and have contested. 

I have been contacted by this company twice before and told them I didn't owe anything and not to call me, especially not during my work hours.

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 2019-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX not mine

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 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILINGS BANKRUPTCY CH-XXXX DISC XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Solomon and Solomon, P.C.
State: MD

Complaint narrative:
I wrote and notarized a letter requesting physical verification of a debt that was sent certified mail and was delivered to XXXX on XX/XX/2019 and XXXX  on XX/XX/2019. 
The letters requested that physical verification of a debt be sent to me per the laws of the FCRA. XXXX  and XXXX both stated that Solomon & Solomon PC had verified the debt with them. As of today, XX/XX/2019 I have not received verification that the debt is real via a signed contract with the original creditor with my signature or any other information stating Solomon & Solomon PC has any right to collect a debt, as well as other information that must be verified per the FCRA that would allow them to report this debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF EQUIFAX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2019-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove XXXX XXXX XXXX of out of dispute status immediately. I am not disputing XXXX at this time.

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 2019-11-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX continues to furnish a paid account on Credit file. Company stated they will remove tradeline once account was satisfied.

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