vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MI

Complaint narrative:
XX/XX/2019 : called and made an attempt to pay off the balanced owed. Was told to wait til it went to the 3rd party. 
XX/XX/2019 : credit card still hasnt gone to the 3rd party. Offered to pay at least half and was denied! 
XXXX XXXX : called again to handle payment and was denied. Asked for 3rd party  information to contact. And she provided me with an invalid phone number. 
XXXX XXXX : I again tried obtaining the correct information and was put on hold for 35 mins for them to come back and say they no longer hold the account. 

I stopped trying after that and tried too just dispute it instead. Ive been trying to take care of this delinquent account and keep getting the run around! Im trying to establish my credit and this credit card has been my downfall.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Applied Data Finance, LLC
State: MS

Complaint narrative:
I representative from Personify Financial called me in reference to a payment that was due. I advised the representative that I would be making a payment on Friday. The representative asked me which account would I be using and I explained that I was unsure. Shortly after the phone call, I received an email from Personify Financial with confirmation from a payment when I did not authorize this company to debit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2019-10-23 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: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2019-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: AZ

Complaint narrative:
Per Great Lakes, my account was put on hold for an audit by the Department of Education on XX/XX/XXXX and after the audit was complete, I now have new principal balances. A Great Lakes employee stated the reason this audit was done was to reassess the way the interest was capitalized in XX/XX/XXXX creating these new principal balances and that the Dept. of Education are able to do this at any time. 
The principal balance on one of my unsubsidized loans with the highest interest rate and the highest balance increased by {$760.00} while a few of my lower interest loans with lower balances decreased. I am now paying more in interest than I was before the audit due to this adjustment. 
The overall total principal balance of all my loans increased by {$200.00} and I am not sure how the Dept. of Education is allowed to readjust my balances at will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
*I have a small XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) * I now have a mortgage loan with XXXX XXXX due for Refinance or Payment on or about XX/XX/2019, I submitted a Refinance application to XXXX XXXX , *There were derogatory, false reportings on my credit report, *I then submitted an application to JP Morgan Chase , Up until now I was told my application was approved, * Today I received an E Mail from Mr XXXX XXXX he and Credit approval chief have denied my application *The explanation is at best confusing and supportive Evidence is being withheld ( ... due to applicant, guarantor and/or Sponsor historical Information ... ) *Under Marsy 's law I am entitled to restitution, under Brady v.Maryland I am entitled to my Full And final " Historical Information ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
I paid off my credit card XXXX XXXX through USAA with an outside Bank routing number and bank number online. Through their app the information, I put in for to pay the debt {$3200.00} the information for that bank paying the debt was totally ignored and they withdrew the funds from my personal checking account that's on file with them. XXXX XXXX. This transaction took place XX/XX/2019. I did not authorize the payment from XXXX XXXX. The debt should have been paid from XXXX XXXX XXXX XXXX XXXX from the information I put in online. I discussed the problem with the credit card company was told they couldn't correct the situation for 10 days I couldn't believe it.my money is going to be floating in cyberspace for 10 days and I have nothing to say about it but they can withdraw it within minutes.ask for a supervisor in the reps put me on hold for more than a half-hour I hung up credit card companies got way too much power consumers have XXXX near zero power and situations as such as this. Hope you're able to help in some way

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had fraudulent activity happen. Called XXXX and XXXX, no problem everything done over the phone and very well professionally done. Try to call experian.. I have tried every phone number that exists and not one has a person to speak to. They give you all kinds of computer info which I don ; t know how to do. I have personal stuff that is incorrect, make sure XXXX is on and remove XXXX from XXXX account that I am not responsible for. They run your life, ruin your life when they feel your credit score should drop 47 points ect. and then no one to talk to esp the data breach they had you would think they would be very receptive to your needs. They need to have phones that you can talk to people and be able to fix things right away like the other two companies. This really needs to be addressed. I have to mail them the info I guess, but don't know what papers to send. Something critical like this is not a mail item.

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 2019-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
As a XXXX, I should qualify forXXXX Loan forgiveness My coworkers got the loans reduction, but I have been denied 3 times. My district administrator signs the paperwork and verifies my employment. I began XXXX in 2005 and have worked for the same district to date. 
One rep told me I could get it because I had a XXXX  XXXX- no where in their correspond does additional degeees deny the request. 
One rep stated if I entered dashes instead of hyphens it gets tossed out. 
One stated I have s consolidation and that denies my ability for loan forgiveness- yet there reps recommended consolidation to me when I was struggling to pay my bills Ive been trying to secure financing elsewhere and have struggled getting the necessary data to my new loan servicing agency. 
I am tried and frustrated of being lied to, misdirected and denied to conditions offered at the time of requesting the loan funds. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
I made a payment on the companies website one prior to my account being 30 days delinquent. I received to confirmation email with the date and time the payment was make and the date that it would credit to my account, the next business day. The company reported me 30-days delinquent although I made the payment prior to the 30th day delinquent.

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 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
To whom it may concern : I am writing this goodwill letter to see if we can get a 30 day late payment removed from the credit bureau. We are in the process of refinancing our home and we cant have any late payments. We had made the payment with a check and the funds hit a hour late. Freedom mortgage rep said that it wouldnt clear that early but it did. Me and my husband work for the federal government and we cant be late on our mortgage, we fell a little behind due to the government shutdown but is slowly getting back on track. This was our first time being late!! Can you please remove XX/XX/2019 day late  payment. Thank you so much for your time!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NV

Complaint narrative:
This collection company I C System, located at XXXX XXXX XXXX in XXXX XXXX, MN XXXX, was sent two debt validation letters on XX/XX/2019. One of the letters was priority and needed a signature. The other letter was certified with tracking. The reason why I sent a debt validation letter is because this collection company continued to report information on my credit report and I never received a letter from the company. I'm not sure where the debt originated from, but to continuously report a debt owed without proof that I am the person who isresponsible is against the law. I'm not sure who this debt was intended for, but I am not the correct person. I sent the letter as a way to get the background information for this debt and to let the company know that until they provide me with the details of this debt showing I am responsible, they need to stop reporting this false inaccurte information. On XX/XX/2019 I C system, received both letters. The letter that required a signature was received by someone named, XXXX XXXX. I also show the certified letter was delivered on XX/XX/2019 at XXXX. On XX/XX/2019 I viewed my credit report and noticed that IC systems continued to report the debt to the credit bureaus, without providing me with the proper documentation. The demand letter also advised IC systems, that they had 30 days from the date on he letter, however i allowed 30 days from the date received for their response, along with all the requested information. The letter also advised that during this period all collection activity was to cease and desist and the company ignored this right. Under the Fair Debt Collection Practices Act, I have a right to request for valdiation of a debt, that is stated I owe. This is pursuant to 15 USC 1692g Sec 809 ( b ) by the FDCPA. The letter sent also stated that if IC systems continued to report the fraudulent information and invalidated information I would pursue legal action, which I am prepared to do as IC Systems is in violation of the FDCPA.

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 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
In XX/XX/2019 i signed up for a American express XXXX card where the promotion was within 3month if you spend XXXX you will get XXXX bonus hilton point. After 3 month when i ask them where is my bonus they say you are not eligible, which they never communicate at time of application or by mail, and i have a good score, no default in history, they are not even giving a reason why i am not eligible for bonus. 
I want two answer. 
1-> If a customer not eligible for some bonus why dont they communicate.

2->What basis they made that i am not eligible for offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
on 3 separate occasions, Representative insists on confirming my address before telling me what company they are calling from and what the matter is regarding. The only response I get is its a business matter. only after they repeatedly recite my birthdate, and my social security number to me over the phone, I insist that I am unable to give out any more information and all attempts to contact me should be via mail with the adress they have stated on my file & or credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In XXXX of 2019 I paid a vehicle off. XXXX XXXX dealers service told me that the account is paid off. I have put in numerous disputes with TransUnion explaining that the car was paid off but they still have the account open and says I owe XXXX on the loan. Always say the debt is mine and will not be removed from my credit report. My score has dropped tremendously due to the debt I owe. Please help I am raising my XXXX grandchildren and I have been working on my credit to possibly purchase a home near there school. Thank you for your time and assistance with this matter. I hope to hear from you soon. Have a great day. 
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 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I wire transferred {$9700.00} in us funds to XXXX XXXX. Through my regular bank. funds were promised on XX/XX/2019 it is now XX/XX/2019 and my bank can not tell me where the funds are and the receiver has not seen the funds in their account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EdFinancial Services
State: FL

Complaint narrative:
EdFinancial is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted EdFinancial via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Midwest Recovery Systems
State: NM

Complaint narrative:
They called me at work several times wanting payment after being 1 day late. I repeatedly told them not to contact me at work. 

Now they have past it off to a creditor who has suddenly reported it to my credit with no Notice. I don't believe I owe them any money as they harassed me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank closed my account without letting me know and i need my money out of it can you help me unlock my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation