vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
I was struggling to make payment for beginning in 2019. I contacted Prime Lending ( mortgage company ). When I spoke to the loan modification officer, about my options : they asked if I wanted to keep my home. I responded Yes, absolutely. The loan modification officer recommended a Loan Modification-and immediately sent me a package to fill out. The taskings forms and time required to submit this package to approximately 1-moth to complete. This process began XXXX, then the completed package was sent out XXXX, via fax. They informed us that I needed to have been behind at least 1-month late on my mortgage payment at time of review-which I was. After numerous calls, request for additional information ( 2-month after initial fax ), time and energy spent to make sure all the details were covered / over 16 hours of labor. finally the results were received on XXXX. We received the mortgage company 's results, a simple letter ... Not approved for loan modification. The only two Options I qualified for were " Short Sale '' and a DEED in Lieu of foreclosure. '' I am a XXXX veteran only requesting a loan modifications and was instead offered foreclosures? This is completely unimaginable after 5-months of dealing with this company ( Prime Lending ).

Company response to consumer: Untimely response
Consumer complaint received 2020-04-30 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: AES/PHEAA
State: RI

Complaint narrative:
These reports of FEDLOAN are all inaccurate due to the fact that the late remarks started LATE 90 DAYS right after a good payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc.
State: MN

Complaint narrative:
ask with something bearing my signature from this company

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 2020-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY 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 2020-04-30 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
During the time period of XX/XX/XXXX - XX/XX/XXXX I contacted several companies reporting negative information to review and assess this information. I'm a victim of identity theft and believe these accounts are related to this occurrence. I provided sufficient documentation to justify my position and prove that this information is inaccurate and does not belong to me. These companies have failed to provide any substantial proof of these claims belonging to me. I'm troubled by these actions because despite the removal of the same inaccurate information from the major credit bureaus these companies continue to report as verified. I still do not have not any proof from the creditors certifying their claim.

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 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax sent me their reinvestigation of the fraud address OF XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX place on my credit by XXXX  and Equifax to my knowledge. My FTC identity theft # XXXX. 
REPORT # ATTACHED under my name XXXX XXXX XXXX It lists the creditor info as follows COMPANY NAME NO ACCOUNT NUMBER XXXX Equifax states they removed it. 
Ok. I need the creditor information of the entire credit detail inquiry PLACED ON MY CREDIT WHILE I HAD IT FROZEN XX/XX/2019. THIS is unacceptable. The FCRA ACT STATES I am legally entitled to the creditors information so that I can call and investigate. Equifax send me the total details of the credit inquiry placed on my Equifax and XXXX  credit while frozen XXXX XX/XX/2019 of XXXX XXXX XXXX XXXX Virginia. 
Or is the companies name Company name no account number. 
Because this has my personal paid for fax service NUMBER XXXX of XXXX linked to it. So this means Equifax this FRAUD creditor AND THIS IDENTITY THIEF has my fax I pay for {$19.00} per month for and I have had interceptions of my legal document transmissions. SO THIS IS GETTING REALLY LEGAL EQUIFAX. And XXXX  Please submit your response thru the cfpb portal for local state and federal law enforcement investigationscoming up real soon I hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
Real time resolutions has been contacting me for years, claiming I owe them {$65000.00} for a mortgage loan. I have notified them dozens of times to advise the they have the wrong person and that I dont owe this money. I am still receiving collection notices that I now owe {$100000.00}. Late fees, late payments. Etc. I would really like to get this settled in court or a means to stop receiving these harassment letters and phone calls. They are calling me and threatening me that I am going into foreclosure and just being really insulting. Please help. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TN

Complaint narrative:
Remove all items listed on my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TN

Complaint narrative:
Remove all items listed on my FTC 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 2020-04-30 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: TN

Complaint narrative:
Remove all items listed on my FTC 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 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX sent me their reinvestigation of the fraud address OF XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX place on my credit by experian and XXXX to my knowledge. My FTC identity theft # XXXX. 
REPORT # ATTACHED under my name XXXX XXXX XXXX It lists the creditor info as follows COMPANY NAME NO ACCOUNT NUMBER XXXX XXXX states they removed it. 
Ok. I need the creditor information of the entire credit detail inquiry PLACED ON MY CREDIT WHILE I HAD IT FROZEN XX/XX/2019. THIS is unacceptable. The FCRA ACT STATES I am legally entitled to the creditors information so that I can call and investigate. XXXX send me the total details of the credit inquiry placed on my XXXX and experian credit while frozen XXXX XX/XX/2019 of XXXX XXXX XXXX XXXX Virginia. 
Or is the companies name Company name no account number. 
Because this has my personal paid for fax service NUMBER XXXX of XXXX linked to it. So this means XXXX this FRAUD creditor AND THIS IDENTITY THIEF has my fax I pay for {$19.00} per month for and I have had interceptions of my legal document transmissions. SO THIS IS GETTING REALLY LEGAL XXXX. And experian Please submit your response thru the cfpb portal for local state and federal law enforcement investigationscoming up real soon I hope.

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is regarding my Bank of America XXXX  XXXX XXXX card, approved and received on XX/XX/XXXX, and for which I paid an annual fee for. 

Even though I paid the annual fees, Bank of America unilaterally closed my account without any explanation on XX/XX/XXXX, thereby denying me services that I had already paid for. 

My account was never in default, the account never extended its credit limit, or otherwise breached any terms of the contract. 

Please either reinstate my account ( preferred ), or provide a detailed justification for the closure of the credit card ( I have been unable to get a reason when calling in customer service ). 

Also provide a refund of the annual fees given that services paid for are not provided, which is a deceptive and unfair consumer practice.

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 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
The company is stating this account was open in XXXX. I filed bankruptcy in XXXX and was discharged XX/XX/XXXX and all accounts were included. I filed chapter XXXX and this company keeps posting it on my reports as a collection which is inaccurate. 


According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2019, I sent a transfer of {$1100.00} to an acquaintance. The screen prior to confirming the transfer stated that " You'll send {$1100.00} USD '', " You'll pay {$1100.00} USD '', and " [ acquaintance email ] will receive {$1100.00} USD ''. Therefore I expected the recipient to receive the full amount, but in fact he had a significant amount deducted before receiving the transfer. It is unreasonable to claim specifically that the recipient will receive a certain amount and then take a fee such that he doesn't in fact receive that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
My credit card was stolen and I filed a dispute on a transaction that was placed by someone who stole my card the store that my stolen card was used at had been XXXX, I contacted them they helped as much as they could because I had to eventually file a dispute with my card company. So I did I filed it twice and both times were denied and no one can give me reasoning on the decision of the dispute either times. They have stolen money from me numerous of times I can prove it. There even charging me {$36.00} a month for subscription which was an hidden fee didnt know it would take {$36.00} from my stimulus check that I received from President Donald Trump.  Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I recieved a letter from JP Morgan Chase about a pension I have with them. In order to withdraw funds, which I need during hardship caused by COVID-19, the letter instructs I must call HR or login using my Chase employee ID and password. I have not worked at Chase for over 3 years, therefore I am locked out of their system. When I called the HR number provided it says they are closed and only respond via email. Their response via email was to login with my Chase ID, which I already advised in my email I do not have access to. I was then instructed to call the help desk to see if they are able to unlock my account. I was on hold for 7 hours and then the call disconnected. I have called department after department and I am advised the same thing, I must call HR to access my pension. However, HR is closed and is not responding to my email. I need to withdraw money from my pension but have no way to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Applied for a credit card with Citi. Approved, FICO SCORE XXXX - was told with card I would get 0 % on Purchases/BT for 18 months. Made a purchase, never got a statement - it was returned by post office. Citi never notified me of returned mail ; knowing I made a purchase I called to do a payment by phone ( where there website was down for me to be able to register the new card ) the payment was obviously late by a day - was charged a late fee and also received a notification that the late fee was waived - finally got logged in saw I was charged interest. After trying to resolve over the phone by waiting to be disconnected I logged on line and had a chat. Where I was told the actual terms only applied to balance transfers that they would enroll me in the COVID program to waive the foam deadline charge - good thing I followed up from my conversation two weeks ago. The finance charge was not waived. I talked two two different associates. They received more returned mail. The address was not updated this First time and th why are refusing to waive the finance charge. I was asked to call customer service where they disconnect and hang up on you. Fair and deceptive practices here

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 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
Company is still reporting to XXXX, XXXX, and XXXX of a debt that was included in bankruptcy chapter XXXX. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested a Stop Payment in the amount of {$900.00} from XXXX XXXX. 
On XX/XX/XXXX, the payment of {$900.00} was deducted from my checking account. 
On XX/XX/XXXX, Chase Bank approved my request for the stop payment and was valid for 1-year. 
On XX/XX/XXXX, I contacted Chase letting them know I had a payment of {$900.00} payment deducted from my account. 
On XX/XX/XXXX, Chase reversed the payment and returned the funds back to my account. 
On XX/XX/XXXX, a payment of {$900.00} was deducted from my checking account. 
On XX/XX/XXXX, I contacted Chase again asking why a payment was deducted even if I had an approved Stop Payment. 
I have contacted Chase on several occasions to dispute the {$900.00} deducted from my account and on XX/XX/XXXX, Chase 's response to my repeated dispute was not approved and determined that the transaction was valid, thereby dishonoring my Stop Payment that was previously approved. These funds have not been reversed to my checking account. Arrangements were already made with another company in XX/XX/XXXX to pay off my debt with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I have written to First Federal Credit Collections ( on three occasions ) ( a copy of my most recent letter is attached ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. Not only have they not validated the debt with proof of my signature on a document but they have not written to me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation