vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I received notice from a credit monitoring subscription in XX/XX/XXXX that Southwest Credit Systems,, XXXX XXXX XXXX, XXXX TX XXXX Phone : ( XXXX ) XXXX is now reporting on my credit report as a collection. I 've never received a single letter from them and no notification at all. I called XXXX XXXX directly and they are telling me that it 's a XXXX XXXX bill for {$52.00} from XXXX. I explained that it could n't be because I still have XXXX as a provider and not only would XXXX not allow me to continue service with an outstanding balance but I also never received any notice not only from XXXX but from Southwest at all. Southwest rep told me that in the state of New Jersey they do not have to send any notification which I know is untrue. I did call XXXX and the rep researched the account. XXXX confirmed that I do not owe any money and they have no such collection account with Southwest that is linked with me owing any money. I disputed this with XXXX and it came back verified that Southwest is stating they verified the debt. This again is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX of 2017 I had deposited a check of XXXX and XXXX dollars cash through a chase ATM drive through but the cash never deposited into my account just the check. Right after the incident of the ATM stealing my money I filed a claim with the bank giving them the information from the receipt. They deposited XXXX into my account while the claim was being reviewed but fast forward towards the XXXX of XXXX they take the money back out. Once again I call to see what the isssue was and this bank tells me that the cash I deposited was n't able to be found. Now how in the world is that possible money does n't disappear out of thin air and this is n't the first time it happens to me with this bank. I still have the receipt from that transaction as well. It 's ridiculous to think a bank is blatantly stealing my money. I mean for crying out loud ATMs have cameras they can check that I deposited that cash on that date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am using my Sons email since he has power of attorney. I do n't have an email account. I am XXXX years old. 
XXXX XXXX XXXX sold my reverse mortgage to XXXX XXXX. 
Since XX/XX/XXXX I have had problems for 4 months trying to get a withdraw to pay my bills and taxes. I have called 24 times spoken to almost all the customer service people and a manager XXXX. 
I requested {$7000.00} dollars in XX/XX/XXXX, they show sending it to me via Check. Never made it to my home. They said they cancelled the check and asked me to fill out another request and that they would credit my account. 
I sent in another request in XX/XX/XXXX with a voided check and direct deposit request fully filled out in XX/XX/XXXX. They show sending me another {$7000.00} that I did n't receive into the bank. When I called asking why I did n't get it in my bank account they showed missing a digit on my bank account and bank rejecting the deposit. However charged me {$7000.00} on my statement. So now I have {$14000.00} they show I took draws for that I never received. So I called them again they said they cancelled the {$7000.00}, however I still showed {$14000.00} taken out of my account and added to my loan amount. In XX/XX/XXXX again they said fill out another request for funds so I did in the amount of {$8000.00}. Also sent in another bank check voided with all the information so they can correct the Bank Info. They still had the wrong bank acct number missing one number. I said what does it take I have bills to pay and all I get is excuses and I have done everything they have asked and I have been without my funds for 4 months. They now show {$22000.00} taken out of my account as they tried to deposit the {$8000.00} again in the account missing a digit since they did n't update it. I again called and they said they would put this in on priority. It is now XX/XX/XXXX and I have n't received a dime in my account but they show over {$22000.00} plus interest and transaction fees added to my loan. This is fraud since the funds never left there facility but they are charging me. 
All I want is them to correct my statements as I have not received any money out of my account since last XX/XX/XXXX for {$3000.00}. This has put full stress on my XXXX year old wife and I am XXXX as we can not take this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: OK

Complaint narrative:
XXXX/XXXX/17 I submitted a dispute to transunion regarding tax leins that are still being reported on my credit report, they have refused to remove these leins from my report. It is my understanding that as of XXXX XXXX 2017 these items can no longer be reported by credit reporting agencies.

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 2017-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been calling for over a year and a 1/2 because I am temporarily totally XXXX I have been asking them for help being that I have no income and no money because I am unable to work due to doctor 's orders for my injuries they laughed at me told me to get my stuff together and go to work they told me that being XXXX is a joke and that I need to get over it so they are discriminating against me for being XXXX they have been harassing me calling me from automated systems when I have repeatedly in the past told them that they are not allowed to call me from automated dialers when they have asked me multiple times I have called him crying and asking for help and they pretty much told me they 're gon na get an attorney to send me to a collection agency I do n't know what to do and they will not help me The school I attended will be closing the coming year of 2018 anyway so maybe there 's some sort of way that can help me as well as I was told by some people that that would help because I did n't not graduate from the school and they are closing I do n't know I just need some sort of help I am hurt I am unable to work I have no money and I 'm being harassed by their automated systems and made fun of for being hurt by their employees

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
In XX/XX/XXXXa valid debt was charged off from XXXX XXXX XXXXXXXX/Paypal XXXX XXXX. I paid this in a settlement in XXXX over the phone to a collection agency. 

I contested this still being on my credit report in XX/XX/XXXX. I received a settlement letter on XX/XX/XXXX from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. When I called XXXX on XX/XX/XXXX to say I had already settled this back in XXXX, but in the interest of settlement, I was willing to pay it again if I could be ensured it would be reflected properly on my credit report, they directed me to call XXXX XXXX XXXX XXXX ( XXXX ) to ensure it would reflect properly upon payment. After repeated calls, I finally got through to XXXX on XX/XX/XXXX and explained the situation. They told me to call XXXX XXXX XXXX ( XXXX ) as they have nothing to do with my credit report. 

I called XXXX XXXX XXXXXXXX, after verifying my information and that it was in concern to a debt patched me through to some other company of which I did n't get their name due to a language barrier. The lady I spoke with told me to disregard the letter I received on XXXX from XXXX, despite XXXX telling me they were representing XXXX XXXX and that I had 60 days to accept their settlement offer. I was told XXXX XXXX has no record of them or XXXX handling this account and that I should work through XXXX hold ( XXXX ), a company I 've never received anything from. 

I have called XXXX hold and have n't been able to get through to them. When searching XXXX 's number it comes up as XXXX XXXX XXXX XXXX All of these companies, XXXX XXXX , XXXX, XXXX, they all have slews of scam warnings and complaints online for shady practices. 

This same thing happened in XXXX and my settlement payment was lost in the mix. This has already been paid off once and I fear that if I pay anyone in this matter it will only get lost again, especially since they all seem to think I can pay them and no one else. I want this account deleted from my credit report as it was paid two years ago and I 'm being scammed in an endless loop of calling other scammy businesses.

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 2017-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jonathan C. Frank & Associates, LLC
State: OH

Complaint narrative:
I have a company that is contacting me over and over again. They contacted me and obtained financial information from me. After this, I searched their phone number and found they are a scam company. They proceeded to contact a family member this morning and left a voicemail on their phone. They need to stop contacting me and my family members. The phone number is XXXX. They have a F rating with the BBB and they are not accredited. 

Jonathan C. Frank & Associates PLLC XXXX XXXX XXXX XXXX, TX XXXX They have numerous open complaints about their " law firm ''. 

BBB Rating : XXXX XXXX XXXXXXXX Complaints about them being a scam : XXXX XXXX XXXXXXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
I received a collection claim from ERC on XXXX XXXX regarding an alleged unpaid amount for XXXX XXXX XXXX. I contacted ERC and was told that it was regarding service from XXXX XXXX, 2015 -  XXXX XXXX, 2015 at a former address. They also confirmed my social security number. I did have XXXX XXXX XXXX service around that timeframe but it was cancelled and the equipment was returned, a forwarding address was provided to XXXX XXXX XXXX and no claim was ever filed in the two years since. I contacted XXXX XXXX XXXX to verify that there was no money outstanding on the account that evening and they confirmed this. 

ERC asked me to file a dispute, which I did. I have also placed a 90 fraud alert at the credit agencies, in the event that this is someone who has accessed my social security number and former address in order to open fraudulent accounts or make a collection of funds. 

The ERC representative tried to get me to pay a settlement on debt that is not mine and I am concerned that my information will be used inappropriately, as I have no idea how they received it in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was sent an American Express giftcard for my wedding in XX/XX/XXXX. The card remained in my possession until I tried to use it in XX/XX/XXXX. There was no balance on the card. I researched the previous purchases and found that it had been used to make several purchases at XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. All businesses are located in California, XXXX XXXX County. I live in Texas and have never been to these locations. 

I contacted American Express who told me that they did not have enough information to refund the card based on fraud. I was told there was nothing to do and I had to contact the merchants myself. 

I have the card in possession, including the packaging the card came in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: TX

Complaint narrative:
I have a copy of my credit report and there were two account reporting on Equifax that I disputed several times. There are 2 collection accounts and neither are reporting a company name. They say unknown. How is that validating anything? One has an account number of XXXX the other XXXX. There is nothing that I have or ever received with the amounts they are reporting too. Please help me Equifax is n't taking me seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a letter from a debt collector whom i do n't have a contract with or never had any dealings with, I tried to call and clear up the matter on XX/XX/XXXX and was hung up on several times. On XX/XX/XXXX this was place on my credit report. This is not my debt and this should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My HELOC with CHASE allowed me to change to a fixed rate versus a variable rate I called CHASE in 2015 and they refused to allow me to change to a fixed rate although my contract clearly allowed me to do it Also CHASE refused to allow me to use my HELOC saying that my house was worth 1/2 of the value when the HELOC was established The facts are : 1 ) my  HELOC allowed me to change to a fixed rate ; 2 ) my house is worth twice what it was when the HELOC was established I have tried to work with CHASE, as they have requested based on the complaints I have filed with the Officer of the Comptroller of the Currency However, when I call them it says '' please hang up '' or it sends me to voice mail and no one calls me back I need your help, as I am convinced they are committing fraud by forcing me to pay them more each As the variable interest rate has gone up over +1 % since 2015 This could be as big as the fraud committed by XXXX XXXX in forcing customers to buy and pay for things they never requested Please help us as we are retired and live on our social security and dividends from savings and I also teach at class in economics at the local college The constant rise in our HELOC, when our contract allows for a move to a fixed rate, payment is unfair and CHASE is taking advantage of us Without your help the fraud will continue and our payments will continue to increase XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXXXXXX XXXX client XXXX XXXX is an identity theft victim ; his information was used twice to apply for a Kohl's/ Cap One account. The first time XX/XX/XXXX and the second time XX/XX/XXXX. A formal dispute was mailed to Kohl's/ Cap One fraud department XX/XX/XXXX concerning these fraudulent inquiries however as of this date Kohl 's has not responded as is their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: GA

Complaint narrative:
I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well

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 2017-11-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well

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 2017-11-01 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: KEYCORP
State: NC

Complaint narrative:
I have been a full time XXXX XXXX XXXX XXXX since XXXX. I completed a XXXX in XXXX in XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX, and finally XXXX. I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as XXXX XXXX did not adequately relay this information to me and talked me into the consolidation. I have just about all of my loan statements. I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: PA

Complaint narrative:
I applied for a Discover credit card that was offering no interest for 21 months, I found the offer on the computer and called the company over the phone and talked to their representative, and went ahead with the offer this was in XX/XX/XXXX, and I should have had zero percent interest till XX/XX/XXXX, now I get my statement and they are charging 23 % after 6 months, I called them XX/XX/XXXX and they now claim I did n't read the fine print about the zero percent was only for transfers and that purchases are to be charged interest after 6 months, THIS IS CLEAR BAIT AND SWITCH, and was not what I was told on the phone when I got the card. How can you let them get away with this??? 
Their must be others they done this to and do I have any recourse as I can not pay this off as I am XXXX and on a fixed income and now STUCK with this high interest rate. 

YOUR HELP WOULD BE GREATLY APRECIATED XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
After discovering that this company had placed a " paid collection '' account on my credit reports, I disputed the account with the credit bureaus. The account came back " verified ''. On XX/XX/XXXX I sent the company the attached letter. They ignored it. On XX/XX/XXXX I filed a complaint with the Better Business Bureau and they ignored them as well ( please see attached ). I am now filing a complaint with the CFPB. We will see if they will ignore you too. I am a veteran of our military forces. I did not fight for this. What is going on in our country?

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