vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 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: AMA Advisors, LLC.
State: FL

Complaint narrative:
Home bridge financial report late payments in XX/XX/2018. When I reached out to Home bridge they advised that they never report any negative information and to dispute with credit bureaus. I did that also and was told it was removed. I recently applied for a refinance with XXXX and they are telling me Home bridge report late payments on my credit which Home bridge denied they did when I asked about it in XX/XX/2018. I am attaching emails from home bridge where they are stating they did not report a late payment and the texts from XXXX  saying they did report and i can not refinance now due to this error

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 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2019, I applied for the XXXX XXXX card from Chase Bank. A letter dated XX/XX/XXXX, arrived at my address saying I needed to send proof of current physical address. The following week, I went to a chase branch with a copy of my utility bill which was listed as an acceptable document. I told an employee my situation and he said he would take care of it and would fax the proof to the number listed. Today, XX/XX/2019, I called the card status line and was told my application was under review and I would receive a decision in writing in 7-10 business days. I had received the same response more than 2 weeks ago so I called a customer service number. I was then told that my application had been declined. Since I had not received this in writing, I asked for the reason. The representative said that they did not receive proof of physical address. In all, I was declined the card without receiving a written notification like the status line had said. I also had my personal information mishandled and sent to who knows where since it was not received by Chase. My credit will now reflect a hard inquiry which will make me look bad when I try to apply for another card. Also, the promotion I was trying to receive has since expired and I will miss out due to mishandling on Chases part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: GA

Complaint narrative:
There are multiple inquiries on my credit report that I did not authorize. I have attached my driver 's license and my identity theft affidavit to this complaint. The following inquiries that need to be removed are below : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ),  XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, 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 2019-10-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are multiple inquiries on my credit report that I did not authorize. I have attached my driver 's license and my identity theft affidavit to this complaint. The following inquiries that need to be removed are below : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
I have been disputing with a collection agency by the name of Online Information Services. They have reported to all three credit bureaus stating that I owe them in the amount of {$85.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XX/XX/2019, XX/XX/2019, and my third letter will go out tomorrow as that will be another 30 days the company has refused to reply. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Online Information Services. 

Also, I had informed them that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX  ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Online Information can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: Westlake Services, LLC
State: WV

Complaint narrative:
Westlake financial has a derogatory account on my credit report for a vehicle in which they never owned or had the title to. The account has kept me from gainful employment and from achieving the credit score I desire. I have called them over a hundred times but to no avail. I recently demanded Mr XXXX respond to me immediately. Of course he has not. So before I file suit I just want your advice and assistance with the matter. This issue has been going on since 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
after repeated calls from this agency I tried to contact the collector -- I gave them my full name, billing address and their reference number -- I was attempting to settle this debt and they will not speak to me unless giving them my date of birth and social security number -- no way am I required to give this info and they refuse to move forward without it - thus causing unjust continued negative harm to my credit file i dont need there mouthy reps telling me its your bad credit i track all calls and have received 4-8 calls a day from this agency from multiple numbers that do not identify there the agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the credit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity. 

The credit later closed my XXXX credit card. I paid an annual fee of {$49.00} for the card. This should be refunded since I no longer have use of the card, and the credit union closed the account without consulting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Century Financial Services, Inc.
State: TX

Complaint narrative:
Century Financial Services is owned by XXXX XXXX XXXX XXXX. 
They billed me twice for the same bill and were paid twice for the same bill. 
They cashed a check on XX/XX/19 {$100.00} and an additional one on XX/XX/19 {$100.00}. Received a notice in the mail telling me I was sent to collections ( Century Financial Services ) for a past due balance of {$100.00} but they actually owe me {$100.00}!!!! 
Century Financial insists I owe {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
Diversified Adjustment Service, Inc. ( hereinafter DAS ), has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. DAS lacks a bonafide and meaningful relationship with me, meaning DAS is NOT a party to any consumer credit transactions Ive executed, therefore, any and all information furnished by DAS to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, DAS failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, DAS failed to send me, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that DAS is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from DAS, I was able to mail them a notice of dispute more than 30 days ago, and requested that DAS provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that DAS responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously reject any such future statements and respectfully request that DAS provide me with the name or names of the person or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
During this time period I was Incarcerate form XX/XX/XXXX until XX/XX/XXXX. I never had a XXXX phone. I filed a Identity Theft Report on XX/XX/XXXX. I called the collection agency and spoke with XXXX XXXX. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
HIDAY & RICKE THIS DEBT COLLECTOR HAS BEEN COMING AFTER ME FOR YEARS FOR AN UNKNOWN DEBT I ASKED TO RECEIVE A COPY OF THE ORIGINAL CONTRACT FOR THIS DEBT. COLLECTOR HASN'T PRODUCED ANY PROOF OF DEBT BEING OWED. COLLECTOR IS ATTEMPTING TO GARNISH WAGES I FROM A DEBT THAT HAS NOT BEEN PROVEN TO BE MINE AND THE DEBT IS OUTSIDE OF THE COLLECTION WINDOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX. I have been paying & XXXX per month for 8 year on the vehicle totaling ( {$66000.00} plus interest ) through a lender called XXXX. 
Dispute requesting assistance from this company to lower my high interest rate so that I could afford to make these payments, the company refused my offer for assistance. 
I was forced to surrender the vehicle in XX/XX/XXXX. XXXX states that I still owe them {$13000.00} more dollars and have place a collection on my credit account which has negatively affected my credit score and future opportunities to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019, the Citibank Sears Shop Your Way credit card internet system has a notation showing that a payment of {$200.00} was received and there is a confirmation number for the transaction as well. We continue to receive harassing phone calls from the company " attempting to collect a debt '' which is not currently owed since the amount due on the payment was {$150.00} and we paid {$200.00} according to the company 's own system. To deter further calls from the company I scheduled another payment in the amount due ( {$150.00} ) today but they tell us that there is the potential for them to continue calling us for multiple additional days to try to collect the debt. How do I go about stopping this? This can not be reasonably legal under the Fair Debt Collection Practices Act or any other intelligent legislation.

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 2019-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
In XX/XX/2019 my loan was transferred to M & T Bank. In XXXX I changed my home owners insurance to a better rate. I was billed an incorrect amount of $ XXXX monthly payment when my payment has never been over {$620.00} for the last 11 years. I called M & T Bank and was told there was a mistake that should have been handled previously, but wasn't. I was told to wait 5 business days for correction but nothing happened. After calling back XX/XX/XXXX, I was told I must pay the {$910.00} and they will fix it when they get to it. After speaking with a supervisor they calculated the corrected payment which was still higher than normal at {$660.00} which I paid at that time. Today XX/XX/XXXX I receive a letter of unapplied funds of {$660.00} and a statement for XXXX bill for {$910.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
I have made payment toward principal on two separate occasions with the same result. My payments are always up to date and on time. When I submit a second payment to principal, Freedom Mortgage places the payment in a " suspense '' and does not apply the funds to my mortgage principal. In the latest incident, they received the payment on XXXX and had taken no action when I called them on XXXX. During that call, they said that the payment would not be applied to my account until Friday XXXX. That is almost 2 weeks or nearly a half of a month of interest that I have lost and they have gained on my payment. As stated earlier, I have had this same issue previously. This is not an anomaly, it is a practice. As always, thank you for the important service that CFPB provides to consumers.

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 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the credit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity.

I paid a {$49.00} annual fee for the card. Since the credit union closed the card, I am unable to use it, therefore they should return the fee I paid for the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dodge Enterprises Inc.
State: FL

Complaint narrative:
XXXX & XXXX THIS DEBT COLLECTOR HAS BEEN COMING AFTER ME FOR YEARS FOR AN UNKNOWN DEBT I ASKED TO RECEIVE A COPY OF THE ORIGINAL CONTRACT FOR THIS DEBT. COLLECTOR HASN'T PRODUCED ANY PROOF OF DEBT BEING OWED. COLLECTOR IS ATTEMPTING TO GARNISH WAGES I FROM A DEBT THAT HAS NOT BEEN PROVEN TO BE MINE AND THE DEBT IS OUTSIDE OF THE COLLECTION WINDOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: AR

Complaint narrative:
Earlier this year I contacted Navient about my loan and how to lower my interest rate. They stated if I delayed payment for two months Id be able to qualify for a different program, which includes a low ( lower ) interest option. However, when the time came they told me there was nothing they could do. I then had to make two payments and instead of applying to towards any principal they applied it towards capitalized interest. This is absolutely terrible practice. I then called to have them pull the recording of the call and they declined to help at all. At this time I have a 10 % interest rate and owe $ XXXX for a loan that had a beginning balance of $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX report late payments in XX/XX/2018. When I reached out to XXXX XXXX they advised that they never report any negative information and to dispute with credit bureaus. I did that also and was told it was removed. I recently applied for a refinance with XXXX and they are telling me XXXX XXXX report late payments on my credit which XXXX XXXX denied they did when I asked about it in XX/XX/2018. I am attaching emails from XXXX XXXX where they are stating they did not report a late payment and the texts from XXXX saying they did report and i can not refinance now due to this error

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 2019-10-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX report late payments in XX/XX/2018. When I reached out to XXXX XXXX   they advised that they never report any negative information and to dispute with credit bureaus. I did that also and was told it was removed. I recently applied for a refinance with XXXX and they are telling me XXXX XXXX report late payments on my credit which XXXX XXXX  denied they did when I asked about it in XX/XX/2018. I am attaching emails from XXXX XXXX where they are stating they did not report a late payment and the texts from XXXX saying they did report and i can not refinance now due to this error

Company response to consumer: Closed with explanation