vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 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: IN

Complaint narrative:
As of XX/XX/XXXX I have 8 XXXX/XXXX  backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX loan servicing customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my Equifax Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: IN

Complaint narrative:
As of XX/XX/XXXX I have 8 XXXX/XXXX  backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX XXXX XXXX customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my XXXX Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, 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 2020-01-24 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: IN

Complaint narrative:
As of XX/XX/XXXX I have 8 XXXX backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX loan servicing customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my XXXX  Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, 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 2020-01-24 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: IN

Complaint narrative:
As of XX/XX/XXXX I have 8 XXXX backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX loan servicing customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my Equifax Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: IN

Complaint narrative:
This debt collector continues to harass me and my family about a medical debt that is unverifiable and they have no proof of a signed contract from me. I have sent 2 letters requesting validation and they only respond with an itemized bill with no signature or proof the debt indeed belongs to me. Under the Fair Credit Reporting Act all information reported to the Credit agencies must be accurate and verifiable. I have NEVER had a contract with this company or done any business dealings with them. They have nothing to prove I owe them and they have damaged my credit without merit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
I was sued on XX/XX/XXXX by Professional Finance Co and the judgement was taken up by XXXX, XXXX XXXX  XXXX XXXX for an ancient ER bill. The original bill was from XXXX for {$730.00}, but as of XX/XX/XXXX they begun garnishing my wages to the tune of {$3500.00}. I was NEVER contacted by PFC, NEVER contacted by the law firm they sold the debt to, and when I contacted the aforementioned law firm not only did they not care at all that I was never made aware of any of this until after they started garnishing my wages, I found out that all the debt notices and legal paperwork was sent to an old address that I haven't lived at since XXXX. So they can find out where I work so they can take my money but they can't be bothered to search public records to find my current address when it's time to notify me that I owed money? Gee, kind of seems like they didn't want me to be able to respond or dispute anything, makes it easier for them to snowball the amount owed. I don't know if there's anything that can still be done about this but I will be contacting a lawyer soon and filing a bar complaint against this law firm as well. Taking {$3500.00} of my money for a {$730.00} debt, that is flat out criminal and these people need to be stopped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation
State: TN

Complaint narrative:
Hello, I am filing a complaint about my recent debt collection ( from Performant Recovery Inc. ). I owed a balance to the US Treasury Department in the year of 2018 of XXXX. Started making payments to the US Treasury but soon fell behind in payments. Falling behind in payments with Us Treasury sent my account to collections. I was aware that this would happen due to missing payments. The remaining balance on my account when I went into collections was XXXX dollars. 

Sending my account to collections, I was also aware that the collections agency would apply fees to the loan. As of today the balance is XXXX and it has growing interest daily. I dont understand how they added over 1600 dollars interest fees. This fee is doubled what I owed the US Treasury Department which was XXXX dollars from the beginning of the loan. 

I have called the collection agency for a settlement price but they are unwilling to work with me. I feel that is company is taking advantage of me and what we can settle on a price for. The 2,000 plus dollars is an outrageous fee. 

Also, I am attaching a letter they send me every few weeks ago. Looking forward to hearing from you. 

Thanks,

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 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
WE HAVE TRIED UNSUCCESSFULLY FOR OVER 2 WEEKS TO ATTAIN A XXXX prepaid Visa debit card managed by Chase even though we have excellent credit over 825 FICO score and we have excellent credit history with Chase Bank wo manages this XXXX prepaid Visa debit card - we have paid off our entire home loan at Chase early with never a late payment and we have a Business Ink credit card with Chase that we pay off on time in full every month so THERE IS ABSOLUTELY NO REASON FOR US BEING UNABLE TO ACQUIRE THIS XXXX prepaid Visa debit card managed by Chase!! IT ISNT EVEN A CREDIT CARD - IT IS A PREPAID DEBIT CARD WITH OUR OWN MONEY!!! WE HAVE CONTACTED the Chase reps and supervisors directly assigned to on the phone every day for 2 weeks on this directly assigned to XXXX prepaid Visa debit card managed by Chase and they keep saying there is a technical glitch in the system and we need to wait a few days- which we have done and still we are being kicked out of system to apply for the XXXX prepaid Visa debit card managed by Chase - we get all the way through the application until the end when load initial amount on card and enter your Visa/MC debit card details and it comes back everytime not able to use that card!!! But Chase rep confirmed it isnt our debit cards as they have tried 4 different visa./mc debit cards that we have with hundreds of dollars of funds on them and still it denies our application for A PREPAID DEBIT CARD!!! and Chase supervisors are telling us it is " A GLITCH IN THE SYSTEM '' and there is nothing they can do!! ****THIS IS DISCRIMINATION UNFAIR BANKING PRACTICES THAT CHASE NEEDS TO CORRECT THIS " GLITCH '' NOW AND STOP BLOCKING/ DENYING US FROM GETTING OUR Starbucks prepaid Visa debit card THAT WE ARE OVER QUALIFIED FOR!! ****PLEASE FORWARD THIS MESSAGE TO MANAGER OF CHASE DEPT OF XXXX prepaid Visa debit card that Chase manages!! **** ****URGENT!!!! PLEASE EMAIL BACK REPLY RESOLUTION TO THIS URGENT ISSUE ASAP TODAY!!! ****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
The issue arose from the confusion regarding the global entry statement credit of {$100.00}. HSBC Bank advertised that card holders " can redeem XXXX Cash Rewards to receive a {$100.00} statement credit to cover the [ Global Entry Application ] fee. '' I applied for Global Entry via Trusted Traveler Programs of Department of Homeland Security and paid {$100.00} with my HSBC credit card on XX/XX/2020. I called HSBC customer service regarding not receiving the cash rewards points of XXXX on XX/XX/2020 and they advised me that to redeem the global entry statement credit of {$100.00}, I need to have XXXX cash rewards points on my own. That means HSBC Bank will not provide the XXXX points to me. This is misleading advertisement because usually I can redeem cash rewards points for cash back to use as statement credit. XXXX points is equivalent to {$1.00}. It doesn't require this promotion to redeem rewards points as statement credit. The customer service team of HSBC Bank agreed that the statement is confusing and raised the concern to HSBC Bank. HSBC Bank responded that the statement is not legally wrong ; therefore, HSBC Bank is not liable for misunderstanding. 

Due to this advertisement, I applied for global entry to take advantage of the benefit from my HSBC credit card. Now, I have to cover my own expense because of HSBC Bank 's misleading advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
WE HAVE TRIED UNSUCCESSFULLY FOR OVER 2 WEEKS TO ATTAIN A XXXX prepaid Visa debit card managed by Chase even though we have excellent credit over 825 FICO score and we have excellent credit history with Chase Bank wo manages this XXXX prepaid Visa debit card - we have paid off our entire home loan at Chase early with never a late payment and we have a Business Ink credit card with Chase that we pay off on time in full every month so THERE IS ABSOLUTELY NO REASON FOR US BEING UNABLE TO ACQUIRE THIS XXXX prepaid Visa debit card managed by Chase!! IT ISNT EVEN A CREDIT CARD - IT IS A  PREPAID DEBIT CARD WITH OUR OWN MONEY!!! 
WE HAVE CONTACTED the Chase reps and supervisors directly assigned to on the phone every day for 2 weeks on this directly assigned to XXXX prepaid Visa debit card managed by Chase and they keep saying there is a technical glitch in the system and we need to wait a few days- which we have done and still we are being kicked out of system to apply for the XXXX prepaid Visa debit card managed by Chase - we get all the way through the application until the end when load initial amount on card and enter your Visa/MC debit card details and it comes back everytime not able to use that card!!! But Chase rep confirmed it isnt our debit cards as they have tried 4 different visa./mc debit cards that we have with hundreds of dollars of funds on them and still it denies our application for A PREPAID DEBIT CARD!!! and Chase supervisors are telling us it is " A GLITCH IN THE SYSTEM '' and there is nothing they can do!! 

****THIS IS DISCRIMINATION UNFAIR BANKING PRACTICES THAT CHASE NEEDS TO CORRECT THIS " GLITCH '' NOW AND STOP BLOCKING/ DENYING US FROM GETTING OUR Starbucks prepaid Visa debit card THAT WE ARE OVER QUALIFIED FOR!! 

****PLEASE FORWARD THIS MESSAGE TO MANAGER OF CHASE DEPT OF XXXX prepaid Visa debit card that Chase manages!! **** ****URGENT!!!! PLEASE EMAIL BACK REPLY RESOLUTION TO THIS URGENT ISSUE ASAP TODAY!!! ****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Collection Systems, Inc.
State: IN

Complaint narrative:
I previously paid a tuition debt with XXXX XXXX University in the amount {$1600.00} in XX/XX/2019. I paid this amount directly with the University and not with a debt collection agency ( National Credit Management ).  I never had a contract or have done business with this company yet they are reporting a closed account on my credit report which is erroneous. I have requested payment and debt validation from this company yet have received nothing in return. I Have disputed this account with the 3 credit agencies but have yet to gain a resolution. This company is reporting false information and is violating my rights under the Fair Credit Reporting Act. I have been subjected to undue financial burden due to this false and illegal credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
After complaining, to the corporate office, about his misconduct, First Citizens, XXXX, SC, manager, XXXX XXXX, closed my account-without warning. Bank has refused to return my funds, causing me great hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
WE HAVE TRIED UNSUCCESSFULLY FOR OVER 2 WEEKS TO ATTAIN A XXXX prepaid Visa debit card managed by Chase even though we have excellent credit over 825 FICO score and we have excellent credit history with Chase Bank wo manages this XXXX prepaid Visa debit card - we have paid off our entire home loan at Chase early with never a late payment and we have a Business Ink credit card with Chase that we pay off on time in full every month so THERE IS ABSOLUTELY NO REASON FOR US BEING UNABLE TO ACQUIRE THIS XXXX prepaid Visa debit card managed by Chase!! IT ISNT EVEN A CREDIT CARD - IT IS A PREPAID DEBIT CARD WITH OUR OWN MONEY!!! WE HAVE CONTACTED the Chase reps and supervisors directly assigned to on the phone every day for 2 weeks on this directly assigned to XXXX prepaid Visa debit card managed by Chase and they keep saying there is a technical glitch in the system and we need to wait a few days- which we have done and still we are being kicked out of system to apply for the XXXX prepaid Visa debit card managed by Chase - we get all the way through the application until the end when load initial amount on card and enter your Visa/MC debit card details and it comes back everytime not able to use that card!!! But Chase rep confirmed it isnt our debit cards as they have tried 4 different visa./mc debit cards that we have with hundreds of dollars of funds on them and still it denies our application for A PREPAID DEBIT CARD!!! and Chase supervisors are telling us it is " A GLITCH IN THE SYSTEM '' and there is nothing they can do!! ****THIS IS DISCRIMINATION UNFAIR BANKING PRACTICES THAT CHASE NEEDS TO CORRECT THIS " GLITCH '' NOW AND STOP BLOCKING/ DENYING US FROM GETTING OUR XXXX   prepaid Visa debit card THAT WE ARE OVER QUALIFIED FOR!! ****PLEASE FORWARD THIS MESSAGE TO MANAGER OF CHASE DEPT OF XXXX prepaid Visa debit card that Chase manages!! **** ****URGENT!!!! PLEASE EMAIL BACK REPLY RESOLUTION TO THIS URGENT ISSUE ASAP TODAY!!! ****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: MD

Complaint narrative:
I have been asking company to provide hipaa letter which by law is needed to collect medical debt and I also wasnt given a chance to pay the debt before placed on my credit report or given a payment plan which as to be offered before placed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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:
My credit score should be XXXX at all three credit reporting agencies I feel I am being discriminated against because I am XXXX American.. I want a full investigation into all three credit reporting agencies.

Company response to consumer: Closed with explanation