vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX continues to send negative information to credit bureaus regarding my accounts. I have been sued by my own family, have had my XX/XX/2018 tax refund wrongly taken by the US Department of Education ( {$2000.00} ) which I included in a separate CFPB complaint, and have been facing eviction in my current place of residence. I have also had a lack of food due to lack of money. 

Because the US Department of Education failed to return my {$2000.00} tax refund or give me a reason as to why it was not returned to me, my car was repossessed. Now, looking at my credit report, I can not qualify to buy a new car because my credit has been negatively reported by XXXX XXXX, who is contracted by the US Department of Education. 

I would like them to take the false, negative information off my credit report. Mutliple contracted agencies are taking advantage of my terrible financial situation and I want it to stop. I want XXXX XXXX, along with ALL US Department of Education contractors to discontinue negative reporting on my credit. You are beating a dead horse. I have been faced with multiple evictions ( one because of the US Department of Education ) and have had my car repossessed because again, my refund was not returned to me. And now, as I try to fix the problem the US Department of Education and their contractors created ; they have sent numerous negative comments about my credit. 

The US Department of Education and their contractors need to work with me, not against me. I need to be able to buy a car and live my life. I have NO other negative marks on my credit, except for what the US Department of Education and their contractors have submitted. I am asking you to stop, it Is ruining my life.

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 2018-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On XX/XX/2018 Navient processed my forbearance only until XX/XX/18. At the time I filed for forbearance I was told to send in tax documentation in XX/XX/XXXX because it'll take up to 30 days to process. Once I sent that in they removed me from forbearance and my payment was due. Now I'm being penalized! I only did what I was told. I have called them 3 times including the call I'm on now and they keep telling me it'll be reviewed but so far nothing is being done. This is one of the reason why I just disregarded them altogether initially. It's a damned if you do, damned if you don't situation and I see why they're facing lawsuits. I just want my account processed correctly and in a way that benefits me and not hinders me any further. They get in their feelings when I start using profanity but also say they understand : OBVIOUSLY THE XXXX NOT! I just want accurate information and procedure information because they're stressing me out!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Previously, I filed a CFPB complaint XXXX against JP Morgan Chase for their illegal theft to my personal checking account. In response, JP Morgan Chase filed a letter of complete and blatant lies claiming that I had NSF 's due to my own fault. This filing by JP Morgan Chase provided to the CFPB was also sent to The XXXX XXXX XXXX. The XXXX XXXX XXXX doesn't represent me in my filed CFPB complaint ( see above ). The XXXX XXXX XXXX, was NEVER mentioned in my filed complaint with the CFPB as my legal representatives. Nor was JP Morgan NOTIFIED by me in any way that I was being represented by the XXXX XXXX XXXX in my filed CFPB complaint. Therefore, JP Morgan continues to violate my Civil Rights by releasing my private information to the XXXXXXXX XXXX XXXX. I can " only '' assume that it was JP Morgan Chase 's way of notifying me that they were aware of the XXXX XXXX XXXX  representing me in a separate matter that doesn't include my filed CFPB complaint. JP Morgan Chase continues to illegally practice DISCRIMINATION/HARASSMENT/RETALIATION against me and my personal Chase account ( which isn't a joint account ) by illegally changing my personal PIN number ( that was recently changed in XX/XX/2018 ) and by accumulating and holding my deposited funds. I totally disagree with the previous responses provided by JP Morgan Chase concerning my filed complaint ( listed above ) and their intentional violation of my privacy to the XXXX XXXX Firm. It is a fact, that JP Morgan Chase was intentionally causing NSF 's to my personal account by stealing monies from my account to pay a debt that belong to another person. That persons debt, doesn't and didn't involve me. Any and All supportive documentation will be FAXED to the CFPB for the specific use of the CFPB ( NOT, JP MORGAN CHASE ) OR  THE XXXX XXXX XXXX.THE END!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: TX

Complaint narrative:
in Late 2012, Performant called me at my job ( XXXX XXXX XXXXXXXX XXXX - EXXXX XXXX  ) on the main XXXX XXXX phone. They asked numerous XXXX, XXXX and other coworkers who I was and where they could find me. 

I had no idea collection companies could be this abusive, and I paid them {$750.00} that they said would be applied to my student loans.

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 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is a two-fold complaint. First, With Wells Fargo. On XX/XX/XXXX I started working for a new company called XXXX XXXX XXXX. I was to XXXX XXXX  with my Credit Card and get re-imbursed through a WF account that I would have the routing and account number too. I never received a statement so could never verify the actual account. After making my first submission for repayment of {$2300.00} on XXXX my Bank, XXXX, within one day XXXX would tell me the funds were " RECEIVED AND CREDITED '' to my account and the new balance was XXXX. I was then free to go buy more goods as I was supposedly " paid in full. '' On approximately XX/XX/XXXX this was returned. On approximately XX/XX/XXXX I charged {$9000.00} on my VISA ending in XXXX and on the XX/XX/XXXX the check was returned UNPAID. I resubmitted it to the Wells account and it was returned again. This has happened six times now and all the money is on my CC one card for {$20000.00} and another for {$28000.00}. BOA says it a fraudulent account and that the account info was not the company I worked for but rather a stolen account of a wealthy individual who may not notice this charges until an auditor finds them and reverses them EVEN IF THAT IS 4 MONTHS AFTER. How can a bank, WF, allow anyone to withdrawal money on an account that is not there's? How can XXXX tell me my account is credited and then return the funds weeks later?

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 2018-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Regarding XXXX I initiated a complaint on XX/XX/XXXX stating that the " debt '' this company is reporting is usury in nature, to date the " investigation '' is not complete. Company give boiler plate responses stating " we verified the information is accurate ''. At no point do they address the usury amount that is in violation of NYS law. it has been over two months and my complaint is still open on " XXXX XXXX '' I've attached a screenshot proving this. Any representation stating otherwise is misrepresentation of the the facts I demand an answer as to why Transunion is reporting usury amounts in violation of NYS laws, these are the laws that prevent " pay day '' lenders from representing their debts on credit reporting sites. Please note that Transunion is the only reporting agency reflecting this ILLEGAL entry

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 2018-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX XXXX keeps reporting the same time barred debt on my XXXX  Credit report I have disputed several times and XXXX  says they verified it was mine and leaves it on my report XXXX XXXX changes the open date and account number so that XXXX  claims it not to be a duplicate Debt. This is a HSBC account that has has no payments made previous to XX/XX/XXXX. That is the last email confirmation I received from them before the debt was charged off so obviously payments were not being made months previous to this date. I have contacted XXXX and they refuse to remove the Debt even when I sent them proof thats its time barred and they can no longer report. XXXX XXXX claims they do not have to follow California 's guidelines. I have asked for proof that this is a new debt as they are reporting an open date of XXXX and XXXX and they do not provide anything because they don't have it. XXXX at XXXX XXXX even admitted over the phone it was a old HSBC debt. XXXX also admitted they changed the dates to current dates to be able to report in hopes to get some money. My other credit cards are decreasing my limits and I can not refinance my house to pay my medical debts from XXXX XXXX do to XXXX XXXX incorrect reporting of this time barred debt. It is crucial that this gets taken care of correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
XX/XX/2018 Cease and Desist was sent to address listed on company letter head, I am still receiving calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I called and said it was not me and they stop calling me but sold the account to someone and they reported it. I never had a credit card ever. I'm just starting to apply for cards. And they can't tell me where the card was used or for what it was used for. They have no proof but reported this to the credit bueral and they are dening me credit now. I'm XXXX the person that appied was in thier XXXX 's. This is not me and this is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 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: CA

Complaint narrative:
Credit Cards ( XXXX XXXX, XXXX XXXX ) were opened fraudulently under my name. XXXX and XXXX already verified I did not open them and removed them. Equifax has not removed them ( made over 7 disputes if not more ) I submitted Police Reports, Letters from the Military, Orders from when I went to XXXX ( a card was made while I was in XXXX  with the XXXX XXXX ), Identity Theft reports from the Federal Trade Commission, proof that XXXX and XXXX removed the dispute etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/XXXX i made a complaint with the consumer financial protection bureau about an unathorized inquiry made by XXXX XXXX. In response to that complaint they replied back to me stating i allowed the inquiry. XXXX XXXX XXXX, the Vice President wrote stating that one inquiry was for XX/XX/XXXX and he found no other instances in which they requested my credit report. Well Mr Vice President of PenFed explain to me what this is then in the attached files. To the CFPB stop closing the account just because the company responded. You are here for the consumers so please, do your job.

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 2018-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I'm contacting the CFPB because I was not educated or informed about my legal rights and my original debt is with XXXXXXXX XXXX XXXX not XXXX XXXX XXXX or Pressler & Pressler - they sent a letter to my old address on XX/XX/XXXX and I moved XX/XX/XXXX. Just like they know where I work and harass me with wage exectution letters now they knew where I lived. But they mailed it there almost a year later, why? The only reason I contacted them XX/XX/XXXX was to dispute that I don't owe them. I was mislead, misinformed and was unaware of my legal rights with the FTC or CFPB. They have tactics and was around legal laws in New Jersey and I do not think it's fair what they do. I will continue to fight them because the obligation is with XXXXXXXX XXXX XXXX and not XXXX XXXX - they purchased a debt on pennies on the dollar and they sought Pressler and Pressler for legal debt advice to come after me for a debt i don't owe them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i Have disputed the information on payment history. I have also contacted the creditor who stated the information was submitted to be corrected. My credit profile still has not updated the file and corrected the past due payments showing on my credit file. I have asked for a copy of the verification method used to validate the accuracy of their investigation and received nothing but a copy of my credit report stating the the information was verified and not changed. I've provided my billing statements from the months in question as PROOF to not being late for those months and actually having the payments made IN ADVANCE for the months marked late on my credit profile, only to still receive the same results. This is creating a drop in my credit profile and I need this resolved. All 3 bureaus seem to be NOT correcting the reporting, only deleting the payment history all together or stating to me that the payment history is accurate. I don't want my payment history deleted, I want my excellent payment history updated and reporting accurate information.

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 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My previous mortgage ( XXXX ) was purchased and transferred to another mortgage company, Freedom Mortgage ( FM ), on XX/XX/XXXX. They lost my first-month payment check ( {$1900.00} ) during the business transaction. I kept calling their customer service to search for help on the second month, XX/XX/XXXX. I made a lot of phone calls ( Agents XXXX, XXXX, XXXX, XXXX etc. ) and they had no help. At the third month, my bank told me that check didn't cash out for 3 months and they had stopped payment. At the period of time asking help from Freedom Mortgage, I still keep paying my regular monthly payment ( {$1900.00} ) on time.  My bank ( XXXX ) also issued a letter of Good Faith to FM. However, FM still reported to 3 credit agencies to damage my credit scores and charged a fee ( {$15.00} ), due to the delinquency of my mortgage, which I didn't. On XX/XX/XXXX, Freedom Mortgage sent my so called 'Escorw analysis ' to me and ask me to pay extra Escorw payment ( {$880.00} ) either pay in full or split into monthly payment ( {$1900.00} ). I don't like change my regular payment. So I paid in full of Escrow payment ( {$880.00} ) with regular mortgage payment ( {$1900.00} ) on time in XX/XX/XXXX. Then, they miss calculated my whole account and want me to pay for more than double monthly payment with late fee ( {$4000.00} ) by the end of XXXX. Even though I called the customer service to get the correction, they still want to pay some extra money by the end of this month. Otherwise, the customer service agent warned me that they will report to credit agencies again. Every time they messed up my account, they charged extra fees ( {$15.00} ). I don't want to pay for their mistake, but they tried to use the Escrow payment to cover them now. I think it is the wrong way to use my Escrow account. Now, I see my account is totally messed. It showed that I didn't pay for my Escrow account and my Escrow payment was used to pay for something else, I still am charged for higher monthly payment ( {$1900.00} ) for my next payment and couples of extra fees. I feel I was mistreated by this mortgage company and try to search for help and advises. It is no help to call Freedom Mortgage customer service. I tried to contact 3 credit  agencies to hold or correct my record and no positive responses. I can provide my more details of bank account, regular payment, and their messed mortgage statements as evidence. Thank you for help

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 2018-09-05 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: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Regions Bank mailed me a credit card offer, their Signature Prestige Visa, which  promised a {$150.00} cash bonus if I made {$1000.00} in purchases in the first 3 months after opening the account. I applied, was accepted, and received my card in early XXXX. I made {$1000.00} in purchases in the first three months, but Regions refuses to pay me  the cash bonus promised.

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 2018-09-05 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: TX

Complaint narrative:
i Have disputed the information on payment history. I have also contacted the creditor who stated the information was submitted to be corrected. My credit profile still has not updated the file and corrected the past due payments showing on my credit file. I have asked for a copy of the verification method used to validate the accuracy of their investigation and received nothing but a copy of my credit report stating the the information was verified and not changed. I've provided my billing statements from the months in question as PROOF to not being late for those months and actually having the payments made IN ADVANCE for the months marked late on my credit profile, only to still receive the same results. This is creating a drop in my credit profile and I need this resolved. All 3 bureaus seem to be NOT correcting the reporting, only deleting the payment history all together or stating to me that the payment history is accurate. I don't want my payment history deleted, I want my excellent payment history updated and reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i Have disputed the information on payment history. I have also contacted the creditor who stated the information was submitted to be corrected. My credit profile still has not updated the file and corrected the past due payments showing on my credit file. I have asked for a copy of the verification method used to validate the accuracy of their investigation and received nothing but a copy of my credit report stating the the information was verified and not changed. I've provided my billing statements from the months in question as PROOF to not being late for those months and actually having the payments made IN ADVANCE for the months marked late on my credit profile, only to still receive the same results. This is creating a drop in my credit profile and I need this resolved. All 3 bureaus seem to be NOT correcting the reporting, only deleting the payment history all together or stating to me that the payment history is accurate. I don't want my payment history deleted, I want my excellent payment history updated and reporting accurate information.

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