vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 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: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I have been disputing a bill from XXXX XXXX XXXXXXXX XXXX since XX/XX/XXXX. The dispute keeps coming back as a valid bill. I went to XXXX XXXX XXXX hospital back in XXXX and was treated for a XXXX XXXX. I was not having a XXXX XXXX I told the physician on duty that I believe I pulled a XXXX  in XXXX XXXX. They held me there for 12 hrs and treated me for a XXXX XXXX. But when was released I was given a prescription for XXXX   XXXX that was never noted in the hospital notes. I disputed this bill with XXXX XXXX XXXX and they did drop their portion of the bill. I have been in dispute since XX/XX/XXXX with XXXX XXXX XXXX XXXX which is now in a debt collector 's hands Transworld Systems. I contacted Transworld today and the bill is for {$1400.00}. They said the best they could do is settle for a {$1000.00}. I do not feel I should have to pay this because XXXX XXXX 's agreed to drop their portion. I've been trying to get this removed from my credit reports. It keeps going in and out of dispute and Transworld said they could not help me. I am XXXX. My wife does not work so she can take care of me. I feel I'm being taken advantage of the system. All I want is this removed from all 3 of my credit  reports. I am ready to get an attorney so I know what my rights are. I have had enough. I spent over 1 and a half hours on the phone today with Transworld XX/XX/XXXX and got no where. I need to know what my rights are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: U.S. BANCORP
State: NY

Complaint narrative:
I HAD A PLUMBING COMPANY COME TO MY HOME AND DO WORK FOR ME WHICH THEY CHARGED ME XXXX I PAID THEM WITH MY FEDELITY VISA CARDND  I DID AUTHORIZE THIS CHARGE AND GIVE MY CONSENT FOR THEM TO TAKE XXXX XXXX OUT OF MY CREDIT CARD ACCOUNT. HOWEVER A FEW DAYS LATER THEY CHARGED MY ACCOUNT AGAIN XXXX WITHOUT MY AUTHORIZATION OR CONSENT TO DO SO.. I CALLED THE  PLUMBING COMPANY AND ASKED WHY THEY CHARGED MY ACCOUNT AGAIN AND NO ONE HAS A ANSWER FOR ME. I REPORTED FRAUD TO MY FEDELITY VISA CARD ON XX/XX/18 SPOKE TO REP XXXX ID # XXXX WHO SAID THAT HE FILED THE FRAUD COMPLAINT AND GAVE ME A CASE # XXXX I RECIEVED A PHONE CALL FROM A XXXX  @ XXXX EXT XXXX BUT THAT EXT DOESNT WORK SO I CALLED BACK AND SPOKE TO REP XXXX ID # XXXX WHO WAS SO NASTY AND RUDE AND KEPT CUTTING MY NIECE OFF WHO WAS ON THE PHONE HELPING ME SO WE ASKED TO SPEAK TO A MANAGER XXXX MANAGER GOT ON THE LINE ID # XXXX AND SAID THAT THE FRAUD WAS NEVER FILED IT WAS ONLY PUT IN DISPUTE SO WE TOLD HIM IT WAS FRAUD. HE SAID HE WAS PUTTING IT IN FRAUD AND SENDING A NEW CARD TO ME.THESE PEOPLE ARE VERY RUDE, UNPROFESSIONAL, AND THEY LIE AND DONT DO WHAT THEY SAID. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME I CANT AFFORD XXXX TO BE TAKEN OUT OF MY ACCOUNT THIS PLUMBING COMPANY STOLE FROM ME. I NEVER AUTHORIZED THIS CHARGE AT ALL THE ONLY ONE I AUTHORIZED WAS THE XXXX CHARGE. SO THIS MEANS THEY KEPT MY CREDIT CARD INFO AND THOUGHT THEY COULD TAKE ADVANTAGE OF ME A STEAL MY MONEY THAT I DONT HAVE, AND NOW VISA ISNT EVEN HELPING THEY ARE PROLONGING ME GETTING MY MONEY BACK BECAUSE THEY KEEP SAYING THEY FILED FRAUD BUT THEY NEVER DID THEY JUST PUT IN DISPUTE AND THIS IS NOT A DISPUTE. PLEASE HELP ME GET MY MONEY BACK

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 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was a victim of identity fraud. I placed credit freezes and took the appropriate action. Someone was able use my information at XXXX. This was a hard inquiry on my credit. I called them immediately and let them know my identity was stolen. They would not remove it or refer me to a manager. I called Transunion and faxed my police report and hey would not remove it either. This inquiry is from XX/XX/XXXX and I am still fighting it.

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 2018-07-31 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: TX

Complaint narrative:
IN REGARDS TO : XXXX XXXX XXXX  XXXX XXXX, PA XXXX I HAVE DISPUTED WITH EQUIFAX ABOUT THIS ACCOUNT SHOWING UP ON MY CREDIT REPORT AS IF IT IS MINES WHEN IT IS NOT. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I AM A VICTIM OF IDENTITY THEFT AND FRAUD HAS BEEN COMMITTED. I HAVE SUBMITTED THE PROPER DOCUMENTATION TO THE CREDIT BUREAUS REGARDING THE FORGERY AND IDENTITY THEFT REPORTS FROM THE POLICE DEPARTMENTS AND THEY STILL REFUSE TO COMPLY WITH THE FCRA. ONCE AGAIN I STAND AT A STAND STILL I HAVE NEVER HAD A STUDENT LOAN WITH XXXX OR DONE BUSINESS WITH THEM AND FRAUD HAS BEEN COMITTED TO OPEN UP AND ACCOUNT IN MY NAME UNDER MY CREDIT SO REMOVE THE ACCOUNT FROM MY FILE IMMEDIATLEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This complaint is for an incorrect duplicate payment of my real property taxes from escrow, which my mortgage servicer, Chase, has failed to promptly correct. My Chase loan number is XXXX, and my real property taxes are paid to XXXX County, Ohio. My XXXX County, Ohio, parcel number is XXXX. 

XXXX XXXX XXXX XXXX originated my conventional first mortgage in XX/XX/XXXX. XXXX XXXX  serviced my mortgage on behalf of XXXX XXXX through XXXX, XXXX. On or about XX/XX/XXXX, XXXX paid my real property taxes of {$2500.00}. This payment was for the second half of XXXX, due XX/XX/XXXX. 

XXXX XXXX XXXX XXXX sold the servicing of my mortgage to Chase, effective on or about XX/XX/XXXX. On or about XX/XX/XXXX, Chase made a duplicate tax payment to XXXX County, Ohio, for the same amount of {$2500.00} that XXXX had already paid in XX/XX/XXXX. This duplicate payment caused my Chase escrow balance to go negative. I found out about this duplicate payment when I received Chase 's mailed mortgage statement dated XX/XX/XXXX. I reported the error to Chase by phone on XX/XX/XXXX. 

When I called Chase, I was transferred to the tax service unit. It seems like Chase failed to load my escrow account history from my former servicer into its own system, because they had no record of the tax payment XXXX made XX/XX/XXXX. Instead, Chase said it was my job to prove to them that their payment was a duplicate. 

I have tried to fax a printout from my former servicer 's website to Chase, but the fax number Chase gave me does not work with the fax machine in my office. Chase would not give me any email address to send a PDF image of my former servicer 's printout. At this point I am forced to mail a copy of the printout to Chase, at my own expense. 

I am concerned that even if Chase does eventually realize they made an incorrect duplicate payment, and recover it from XXXX County, they will show an escrow shortage on my account and therefore raise my monthly escrow payment amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31 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: NV

Complaint narrative:
There is a collection with XXXX XXXX reporting on my credit file. I have asked the credit companies to validate the debt because I am XXXX XXXX XXXX covered under the VA so this would be under the VA. It may be a mistaken name or something like that but my medical coverage is the government. Please help me with this

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 2018-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I can not afford my monthly payment of almost {$700.00}, Navient has offered me programs in the past to help lower this payment. For some reason I am no longer eligible, and Navient will not give me a reason why. I have never been late in 8 years and have always handled my obligations with Navient. Now I am being punished by them and forced to pay double my payments and triple my interest rate. I don't mind paying my student loans but this much is outrageous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
The problem began back around XX/XX/XXXX when I noticed charges being put on my account that I never authorized in result to maxing out the card. Month after month went by and I was assured the problem would be fixed since my card number was compromised. After receiving new cards the charges still was being forwarded over to my new cards I was still receiving the same excuses. I was assured the issues was taken care of and I wouldn't have anymore problems after around 4 months. I'm still making payments on this account and have never used the card which every month the card amount has never went down and still is maxed out.

Since XX/XX/XXXX Synchrony bank picks and chooses what amounts posts to my account. 2 payments are missing from being posted. Since XX/XX/XXXX I have received a {$38.00} late fee each month claiming non payment, when amounts would be taken out of my account.

Since XX/XX/XXXX I have sent in dispute letters which have all been ignored. I have also included in the letters to cancel the card, I also provided the bank verification of transfer of funds which as never been corrected, etc.

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 2018-07-31 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: Nelnet, Inc.
State: TX

Complaint narrative:
IN REGARDS TO ; NELNET LOAN SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I HAVE DONE CONTINUIOUS DISPUTES WITH THE BUREAU XXXX AND THEY CONTINUE TO SOME HOW VALIDATE THE INFORMATION WHEN THE OTHER 2 BUREAUS XXXX AND XXXX REMOVED IT DUE TO MY THE FRAUDULENT AND IDENTITIY THEFT TAKING PLACE ON MY CREDIT REPORT. I HAVE NEVER OPENED A LOAN WITH NELNET LOAN SERVICES AND DON'T KNOW WHY THEY ARE CONTINUING TO REPORT ON MY CREDIT REPORT BECAUSE NOTHING CAN BE VALIDATED NOR VERIFIED. AT THIS TIME, I WOULD ALSO LIKE TO INFORM YOU THAT IF YOUR OFFICES HAVE REPORTED INVALIDATED INFORMATION TO ANY OF THE THREE MAJOR CREDIT BUREAU 'S ( XXXX, XXXX OR XXXX XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY THAT YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT * VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT * DEFAMATION OF CHARACTER IF YOUR OFFICES ARE ABLE TO PROVIDE THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, I WILL REQUIRE AT LEAST 30 DAYS TO INVESTIGATE THIS INFORMATION AND DURING SUCH TIME ALL COLLECTION ACTIVITY MUST CEASE AND DESIST. 
IF YOUR OFFICES FAIL TO RESPOND TO THIS VALIDATION REQUESTING WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATELY. 
ALSO DURING THIS VALIDATION PERIOD, IF ANY ACTION THAT COULD BE CONSIDERED DETRIMENTAL TO ANY OF MY CREDIT REPORTS IS TAKEN, I WILL CONSULT WITH MY LEGAL COUNSEL FOR SUIT. THIS INCLUDES LISTING OF ANY INFORMATION TO A CREDIT REPORTING REPOSITORY THAT COULD BE INACCURATE OR INVALIDATED ; OR VERIFYING AN ACCOUNT AS ACCURATE WHEN IN FACT THERE IS NO PROVIDED PROOF THAT IT IS. 
I ADVISE THAT YOU ASSURE THAT YOUR RECORDS ARE IN ORDER BEFORE I AM FORCED TO TAKE LEGAL ACTION. THIS IS AN ATTEMPT TO CORRECT YOUR RECORDS ; ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: TX

Complaint narrative:
Incorrect and inaccurate information is being furnished on my credit report, the balance for XXXX XXXX is incorrect. attached is proof that balance is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a Navient student loan that I have been paying on since XX/XX/XXXX,  which started out as Sallie Mae. Through the years I have been paying on this loan without it my principal decreasing. Every year my monthly payments would increase. I would call to speak to a servicer and they would steer me towards the income-based loan repayment option. Still my monthly payments yearly would increase exponentially. Finally, in XXXX it got to the point even have doing the Income-based payments it was still too expensive for me to pay, so they directed me towards loan deferment. I did understand that my interested would still accrue, but did not know that the monthly interest rate changes. So now my loan is nearly back to were it started. All interactions were done by telephone but I do have all payments made towards my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX. In XX/XX/XXXX, I was hit from behind and my truck was totaled. I have GAP insurance. XXXX paid the claim and XXXX has been coming after me for the balance even though I have GAP insurance. They call several times per day to harass me. After being called treated like a liar and thief, I got the GAP insurance on the phone with XXXX XXXX  and supposedly everything was resolved. XXXX XXXX was to send the requested information GAP was requesting and they would be able to pay the claim. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. NO WAY!!!! How is it possible that GAP did not fill the gap? I believe that XXXX XXXX  purposely did not provide GAP Insurance with the requested information, so that they could continue to add interest and thus charge me. By the way, I paid GAP through my finance with XXXX and when it was time to collect, they ( XXXX ) quickly claimed it was a third party and had nothing to do with the company. REALLY??? Anything to XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: CORELOGIC INC
State: CA

Complaint narrative:
On XX/XX/2018 Credco showed up on my credit report as a hard inquiry. I did not apply for a loan with this company.

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 2018-07-31 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: NV

Complaint narrative:
There is a collection with XXXX XXXX reporting on my credit file. I have asked the credit companies to validate the debt because I am XXXX XXXX XXXX covered under the VA so this would be under the VA. It may be a mistaken name or something like that but my medical coverage is the government. Please help me with this

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 2018-07-31 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: Asset Management Outsourcing, Inc.
State: TN

Complaint narrative:
I began disputing the XXXX account entry that is reflected on my credit report with the company in XX/XX/XXXX ( see attached ). In my initial dispute dated XX/XX/XXXX, I specifically requested that XXXX provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and the name and address of the bonding agent for collection agency in case legal action becomes necessary. XXXX responded to my dispute ( see attached ), in their letter dated XX/XX/XXXX. 

Upon receipt of the documentation that was sent, I sent them a letter dated XX/XX/XXXX, ( see attached ), whereby I requested that they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release medical information to them as well as for them to cease any credit reporting until the debt has been validated by me ; XXXX failed to do so. They were not able to provide any substantiated documents that reflected financial responsibility on the alleged debt, nor did they provide a copy of my signature with the alleged provider of service to release medical information to them. Merely providing a statement that HIPAA violations were not committed is unacceptable as XXXX should have all documents to indeed prove the debt is legitimately owed versus alleged. 

To that end, this entry lacks veracity, is inaccurate and poses a HIPAA violation as any records whether transferred by the alleged medical facility should not have been submitted to a collection agency without consent being granted as reflected by signature on the applicable documents. These entries should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Credit Cards, This company says they help you with building your credit but they do not work with you to pay your bill, instead they hurry up and send your information to the credit bureau to damage your report.2013 they changed their name and relocated still attempting to charge fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have attached a scanned documents for confirmation number XXXX. This scanned document shows XXXX modified and i would like to see the documentation for this modified account. Also i have attached the letter i sent equifax on XX/XX/XXXX asking for an audited statement and when the payment was processed for the last 24 months under the fair billing act of XXXX and i only received a credit report that says modified for XXXX and no proof or documentation of XXXX XXXX. This is a violation of the FCRA. XXXX and XXXX  have late payment and i have not been shown any proof. Also THESE ACCOUNT DO NOT BELONG TO ME AND I WANT TO SEE A FULL ACCOUNT NUMBERS received from the creditors they have in their files BECAUSE A PARTIAL ACCOUNT NUMBER IS VIOLATION OF THE FCRA. I have no record of the above accounts and I am demanding that you disclose all of the documents upon which you are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with your obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting. XXXX was just sued for not treating a consumer fair and I have also been treated unfair and this situation need to be taken care of.

Company response to consumer: Closed with explanation