vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NV

Complaint narrative:
I use Square Inc for CC processing at my businesses. They suspended the deposits to my account with no reason. They are holding {$4700.00} from my cc processing. They will not speak to me on the phone because I do not have a customer code nor will they provide me with one. I E-mail them multiple times a day and receive no response. When they have responding they send broken links. This has been going on since XX/XX/2019. I am new business and with them holding that money it caused me to take out a family loan to pay my rent at my business. This is causing me financial hardship. There is no communication or reason as to why the suspend my deposits. There was no warning either. Ive read thousands of other complaints with them and they do this to a lot of small businesses. I just want to get my deposits. I reported the to the XXXX  already and the have another {$3500.00} from my other business they did the same to. This company offers no way to comminicate with them other then email and they never respond. I have emailed more then 100 times. They are stealing money with no response and it seems to be a common problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX an account from Procollect collection was added to my credit from XXXX XXXX XXXX XXXX in the amount of XXXX. My lease expired XX/XX/2019 and I moved out XX/XX/XXXX. I did not sign an extension ot renew my lease for these apartments and my rent was paid in full for the month of XXXX even though I moved early. I would like this collection to stop reporting to the bureaus and this account removed from my credit.

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 2019-12-11 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts that were never late. PLEASE SEE ATTACHED POLICE REPORT. 

I sent your bureau a dispute letter in regards to these accounts on XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2018. I have not received report and XXXX  is over the time frame required to submit report to me. Please refer to the attached XXXX XXXX dispute letter sent to them.

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 2019-12-11 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts that were never late. PLEASE SEE ATTACHED POLICE REPORT. 

I sent your bureau a dispute letter in regards to these accounts on XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2018. I have not received report and XXXX is over the time frame required to submit report to me. Please refer to the attached XXXX  XXXX dispute letter sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a promotion offer for United Club Mileage Plus card from Chase Bank. The offer stated, " Enjoy a {$0.00} introductory annual fee for the first year, then {$450.00}. annually after the first year. '' A weblink was provided in the mailer : Apply at MPClubCard.com/smart, by XX/XX/XXXX. On XX/XX/XXXX., I entered the stated link in my browser and proceeded to apply for the Mileage Plus Club Card and was instantly approved. 

On XX/XX/XXXX, when checking my account balance, a {$450.00}. fee had been billed. I called Chase Customer service and spoke to someone who told me that promotion had never been offered ; however, the card I had would award XXXX reward miles if I spent {$3000.00} in the first 3 months of holding the card. I do not want or need XXXX reward miles. That is not what I signed up for. I then was transferred to a manager, who repeated the same thing without offering to resolve. She told me my complaint would need to be researched. I began communicating with Chase via the Chase secured email. I provided pictures of the mailer along with the website used and my name on the offer with the offer code. See attached files. Chase informed me this promotion was not available, yet, when checking the United Promotions site, it is, in fact still available as of XX/XX/2019. Even after providing pictures of the promo and the link, Chase refused to honor the offer for which I applied.

I don't understand why Chase is not willing to work with me. My credit rating is in the 700 's, I have 3 cards with Chase, 2 Savings accounts, a checking account and my mortgage. Chase is willing to work with those who are unable to make timely payments, lower interest rates and waive late fees, yet they are unwilling to honor the promotion they offered me. We are talking {$450.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
DEAR CFPB : THIS IS A VERY SERIOUS LEGAL COMPLAINT INVOLVING A MORTGAGE COMPANY, SPECIALIZED LOAN SERVICING, LLC AND A TRUSTEE THAT WAS APPOINTED TO SELL A HOME IN A DIVORCE CASE.

THE MORTGAGE COMPANY VIOLATED MY RIGHT TO PRIVACY BY GIVING THE TRUSTEE CONFIDENTIAL INFORMATION. THE TRUSTEE WAS WORKING AGAINST MY BEST INTERESTS TO HER FINANCIAL GAIN.

THE MORTGAGE HAS VIOLATED FEDERAL PRIVACY LAWS AS WELL AS ACTING IN BAD FAITH AGAINST ME AS THE CUSTOMER.

THE MORTGAGE COMPANY ACTUALLY SENT THE TRUSTEE DETAILED TRANSCRIPTS OF PRIVATE PHONE CONVERSATIONS THAT I HAD WITH THE MORTGAGE COMPANY IN DIRECT VIOLATIONS OF MY ORDERS NOT TO DIVULGE ANY INFORMATION. 

THE TRUSTEE IS CURRENTLY BEING INVESTIGATED BY LAW ENFORCEMENT AND THE XXXX COUNTY MD STATES ATTORNEY. THE ATTORNEY GRIEVANCE COMMISSION HAS ALSO OPENED AN INVESTIGATION. THE ATTORNEY IN QUESTION IS XXXX XXXX. I HAVE ALSO INVOLVED XXXX XXXX, WHO IS AN ATTORNEY WHO WORKS FOR THE MORTGATE COMPANY. 
I WOULD LIKE TO INITIATE A FORMAL INVESTIGATION AGAINST THE MORTGAGE FOR VIOLATIONS OF PRIVACY, AND WIRE FRAUD.PLEASE CONTACT ME SO I CAN PROVIDE MORE SPECIFICS TO THE CFPB. 

THANK YOU FOR YOUR ASSISTANCE IN THIS VERY IMPORTANT MATTER

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 2019-12-11 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: UT

Complaint narrative:
Last year around XX/XX/XXXX, I noticed a hard inquiry has been reported against my XXXX  credit report, first I tried to dispute online, along with a XXXX  XXXX account which is not belonged to me, however their website keep saying errors and online dispute was not able to be done at that time. 

Then I called XXXX  after I tried several more times with online dispute, they said they will investigate that issue and suggested me to contact XXXX XXXX & will investigate for that hard inquiry I have never authorized. 

I called XXXX XXXX and they said because I am not their customer, so they are not able to do anything and suggested me to wait for the XXXX  's dispute result. 

At the time, we have activated a fraud alert and credit report freeze. 

A year later, I believe the fraud alert and report freeze has been expired, I look up my credit report again, found another inquiry occurred at XX/XX/XXXX which I have never authorized again, and the hard inquiry that made last year still there, along with that XXXX XXXX 's credit card account which is not belonged to me. 

Therefore, within the whole year, XXXX  did not do anything to fix those 2 issues. 

I have submitted disputes for those 2 hard inquiry, however, when I tried to dispute the XXXX XXXX credit card still saying errors for the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: NC

Complaint narrative:
Fraudulent accounts and 23 fraudulent inquiries.police report on file with credit agency.

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 2019-12-11 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: PA

Complaint narrative:
I checked my Experian report, it shows that I made late payment to XXXX XXXX XXXX Visa credit card back in XX/XX/2019. I called XXXX XXXX XXXX XXXX visa card to inquire about it many times. They told me that is incorrect. There is no late payment and my account is up to date, credit card is still open and in good standing. I filed a dispute against that information with Experian, but they didn't remove the late payment information from their database. As a result, other credit bureaus such as XXXX  and XXXX   picked up this from Experian and are reporting this incorrect or false information. I have never been late in payments

with any creditor and this incorrect late payment information is hurting my credit report, my score and everything. I can't get employment, rent apartment or apply for loan due to the this one negative item on my credit report

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 2019-12-11 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: AES/PHEAA
State: NC

Complaint narrative:
This is in reference to a case I opened 3 years ago. Case XXXX. 
I've done everything they've asked and provided the appropriate information, I keep paying on time and they are still unwilling to work with me and my situation. They have drastically increased my monthly payment. I also qualify for the Service Members Relief program, but they make this process extremely complicated for us service members. I've made more payments to my loan than they have on record for the Service Members Relief Program. I have no idea how to figure out this company. I am constantly XXXX with the XXXX XXXX and I literally do not have the time to keep verifying my military status and paychecks.

I hate to reopen this case but I am once again left without any more options. Literally worst loan service I've ever worked with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: IN

Complaint narrative:
I sent a dispute letter to LexisNexis on XX/XX/2019 regarding a US Bankruptcy Court IL of XXXX account thats reporting on my credit file. To this date I havent received a response from the company. I want the account removed from my credit file because its been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION
State: TN

Complaint narrative:
One Main Financial XXXX, TN Personal loan This company was emailed and called about loan being late less than thirty days. 
One main employees have called over 5 times a day from various numbers and various locations. 
The employees degrade and talk disrespectful. One Main refused to be kind once I refused a deferment, versus a late fee.

One Main has started to call our employment on an account less than thirty days late and after we contacted One Main several times to STOP CALLING.

One Main employees are harrasing this loan because they want their numbers to be down, treating people horrific, even lying about credit reporting. 
One Main XXXX, TN is violating Federal harrasment laws.

Calling repeatedly and calling employer after cease was emailed to Supervisor of One Main several different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I have been disputing a derogatory mark on my credit report for over a month with IMC of Indiana. Their client, XXXX XXXX XXXX transitioned all of their billing to XXXX XXXX XXXX XXXX, XXXX. At this time, XXXX is unable to locate any billing information linked to me. I have requested multiple times, that an itemized statement be sent from IMC for the remaining {$500.00}. I have yet to see one. The unconfirmed balance would have been from 2004 ... this is probably why XXXX XXXX is unable to locate me. I either do not owe this money OR it is beyond the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc.
State: NC

Complaint narrative:
I sent Professional Recovery a certified letter asking them to give me a copy of legal documents they stating that I agree to pay them {$190.00}. They did not respond back. But refuses to remove the information from my XXXX credit report, and XXXX refuses as well. However, neither agent will send me the documents I've requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Im writting again because I was told that even though I have never made a payment or called about the loan previously that I am still responsible for this loan. Even though the loan was extended without calling and consulting me first.

I feel that this is USAAs fault for not doing their due diligence and calling or reaching out to me first.

I had agreed to a personal loan of {$17000.00} originally and agreed to one refinance to {$20000.00}. However when I went to check on the loan expecting it to only be a small balance after years of paying on it. But I then noticed that the loan was refinanced again 2 more times. The total amount of the loan was {$46000.00}.

I was basically told by USAA that my only option is to go to court and they didnt own up or apologize for anything that they didnt do to protect my account. I think considering I never even made a payment and knew nothing about these multiple refinances that it should not be on my credit report and this loan should not be in my name since I did not authorize it all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: CA

Complaint narrative:
Close to 30 fraudulent Telechecks ( fane check numbers, fake business names ) have appeared in my Checking Account from XX/XX/XXXX - till XX/XX/XXXX. 

It appears that has someone stolen my check routing number and account number. 

On XX/XX/XXXX I have closed that account and using Lost/Stolen XXXX XXXX account transfer - new account was created. 

On XX/XX/XXXX Fraud Party tried to still additional 3 Telechecks funds using same fake business name from my old and now closed account. Since account was closed - I lost no funds. And Frau Part was not paid. 

However, that FRAUD PARTY was unhappy about that - and they used TRS Recovery Services , Inc., located at XXXX XXXX XXXX XXXX, XXXX GA XXXX, to cooperate with them! So, without ANY checking, TRS have send to me 3 Notices of Unpaid Electronic Fund Transfer, trying complete this theft attempt by that Fraudulent Party! What a brazen arrogance!! 

-TRS Reference # XXXX ( TRS wants to collect {$24.00} in fraudulent Telecheck ) TRS Reference # XXXX ( TRS wants to collect {$19.00} in fraudulent Telecheck ) TRS Reference # XXXX ( TRS wants to collect {$37.00} in fraudulent Telecheck ). 

When I called TRS and let them know it was a fraudulent transaction to against closed bank account, they refused to stop Notices unless I write down the routing number, account number, and my SS Number and fax them to them! Really??? Fax such data to complete strangers so my data can be compromised again?? When I called them at XXXX, and selected # 4 for fraud - there is NO operator there! Recording insist on faxing to them the data I listed above. Unbelievable. 

TRS is now actively assisting in this fraud and they are NOT willing to start their own investigation following my 3 calls telling them it is fraud! I was forced to file a Police Report as I have no idea what else I can do. XXXX XXXX advised that this type of fraudulent collections are outside of their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: AZ

Complaint narrative:
I am a victim of identity theft. I have tried over and over to have these accounts removed from my credit report. I have submitted all of the required information and yet Experian refuses to cooperate. This has been a financial burden on me and has been detrimental to my living situation. After finding out that someone had been using my information I filed an FTC report, which Experian received, and closed my account. My kids and I are now living with a family friend until I can fix this situation and move into a new home.

They are the only credit bureau not cooperating with the law.

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 2019-12-11 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 have been disputing information on my experion credit report for several years now. XXXX for the amount of XXXX. XXXX   XXXX in the amount of XXXX. And XXXX  in the amount of XXXX. I noticed that these accounts were opened and delinquent in XXXX when i started getting calls from creditors. I made a federal trade Commission complaint in XXXX and took it to my local XXXX police dept and had the report notarized by them and sent it to all three credit places. I had no issues with XXXX   or XXXX  I had to hire a credit repair to help me with experion because they refused to help me saying my documents are not good enough. I have been waiting for seven years to pass because i just couldn't do nothing about it no matter how hard i tried. I called again to day and said its been over seven years since the fraud cards were opened and i want them removed. He said its from the first time the cards we're reported late and i have to wait until XX/XX/XXXX. I have been though XXXX with them i even did another FTC complaint on the fraud today thst they say is unacceptable. I dont know what else to do.

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 2019-12-11 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
Showing 90 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ... never late also loan switched to navient about this time and also I was on a defferment ... parent plus loan taken out in XX/XX/XXXX

Company response to consumer: Closed with explanation