vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I do not have a signed contract with Portfolio Recovery Associates. I have never did business with this company. I am not liable for collection from the debts that they are reporting on my credit reports. I am not responsible for these debts with Portfolio Recovery. They are not licensed to collect in the state of California per what I have been told by an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My XXXX year old father had a savings account with Chase for years that had a balance of {$41000.00} as of XX/XX/XXXX ( I was a co-applicant on the account ). In mid XX/XX/XXXX, Chase sent him a letter stating that due to a high number of ACH transactions starting XX/XX/XXXX, they had turned the account into a checking account. He asked me to look into it and I identified that ALL of the ACH transactions totaling {$8400.00} were fraud. I immediately called Chase to file the proper paperwork ( i faxed the requested supporting documentation on XX/XX/XXXX ) and the claim was denied without any explanation. I then went into a branch and they refiled the paperwork which I substantiated again on XX/XX/XXXX. To date, {$5500.00} has been paid back, but Chase refuses to pay back the remaining {$2900.00}. We made the first claim XXXX which based on their disclosure on the statement, should cover for anything noted in the XXXX and XXXX statement. They claim that we are outside of the 60 day window, but that doesn't track back to their own disclosures on the statements we have received. Additionally, they claim they can only cover for transactions they can recover for. These were fraudulent transactions that shouldn't have been allowed based on the account type. Finally, they are in violation of both Regulation E and UDAAP due to their not adhering their own statement disclosure not to mention Elder Abuse as they made changes to an elderly man 's account without any notice nor with any attempt to contact him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I do not have signed contact nor any contract with Midland Funding. I have never done business with these company. I am not liable for collection from this debt. I am not liable or responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MO

Complaint narrative:
In XX/XX/XXXX, I was advised by XXXX XXXX that I had completed 58/120 loan payments for the Public Service Loan Forgiveness ( PSLF ) program. This was upsetting because my calculations indicated that I had completed 85/120 loan payments. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( # XXXX ) and requested a PSLF Review Payment Tracker ( " Payment Tracker '' ). I was advised it would take a minimum of 90 days. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised it is now taking six months. 

On XX/XX/XXXX, I called XXXX XXXX and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised that they submitted my original review ( XX/XX/XXXX ) to an email folder and requested that it be expedited. Furthermore, XXXX advised me that it appeared that the processor forgot about my original request. During this call, I also requested that XXXX XXXX REMOVE the improperly credited service with the Department of Forestry they had RANDOMLY credited me with. I was advised that request was granted and completed immediately. 

On XX/XX/XXXX, I called FedLoan Servicing and spoke with XXXX ( XXXX ) to check on the status of the Payment Tracker review. I was advised it would be completed in 15 days. I asked to speak with a supervisor. 
I spoke with XXXX ( XXXX ). She advised me that my Payment Tracker request was not processed last year and now they are using a new system as of XX/XX/XXXX. Therefore, the review take six months. 

On XX/XX/XXXX, TWO YEARS after my original phone call, I spoke with XXXX ( XXXX ) and his supervisor XXXX ( XXXX ). I was advised they had not completed the payment tracker review, and they really had no timeline as to when it would be completed. XXXX advised me it would " get done when it gets done. '' Such utter and gross incompetence in the federal government is infuriating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau
State: ID

Complaint narrative:
I bought a vehicle and had to pay the second deposit for my down and my check bounced. I went in a week later and paid the full balance to XXXX XXXX XXXX by debit card. They still have it as collection on my credit report. This initially happened in XXXX. Ive reached out three times to XXXX XXXX XXXX and they claim they show it being paid off. However, Knight Adjustment Bureau still is deporting it on my credit. Ive disputed it three times on the following dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX through the credit bureaus. I have also sent letters on XX/XX/XXXX and XX/XX/XXXX asking for proof and have not heard of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: Phoenix Financial Services LLC
State: UT

Complaint narrative:
I received an email from XXXX XXXX  stating that I opened a new account. I went into my XXXX XXXX account and noticed that Phoenix Financial Services had placed a collection action in my files for an emergency room visit. I called them and they stated that I did not pay a bill I accrued at an emergency room in XXXX XXXX Texas some time in XX/XX/XXXX. I told them I have lived continuously in Utah since XXXX and have never lived in XXXX XXXX, TX, which can be confirmed simply by going in my files. They were rude and refused to even take it off and basically threatened to keep it on there until I paid it off. I told them to ( _ -- -- off ) and go ahead and keep it on so I can sue them for violating the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: USCB, Inc.
State: AZ

Complaint narrative:
Upon review of my credit report in XX/XX/2019 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the separate collection agencies, one being XXXX. I sent a original certified and notarized letter requesting validity on the alleged debt on XX/XX/2019 to XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response, the company simply stated the dispute is " valid '' and sent s medical bill statement which also provided a zero balance due as well as it stated directly on it, that it is fact not a bill but a statement for my records, however the balance even states {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am really new at all this credit stuff but I am going through a really bad divorce. I am almost certain that account have been opened in my name the I never filled out application for credit. I never to freeze my credit files until I can go over what is and is not mine. The following addresses are not correct and do not belong to me possibly my soon to be Ex-husband. I an not associated with the addresses below. My only address is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following fraudulent addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am really new at all this credit stuff but I am going through a really bad divorce. I am almost certain that account have been opened in my name the I never filled out application for credit. I never to freeze my credit files until I can go over what is and is not mine. The following addresses are not correct and do not belong to me possibly my soon to be Ex-husband. I an not associated with the addresses below. My only address is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following fraudulent addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH 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 2019-04-01 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: OH

Complaint narrative:
I am really new at all this credit stuff but I am going through a really bad divorce. I am almost certain that account have been opened in my name the I never filled out application for credit. I never to freeze my credit files until I can go over what is and is not mine. The following addresses are not correct and do not belong to me possibly my soon to be Ex-husband. I an not associated with the addresses below. My only address is XXXX XXXX XXXX, XXXX OH XXXX. Please delete the following fraudulent addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I am a military member in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have GATE loans with AES/PHEAA as the servicing agency and National Collegiate Student Loan Trusts as the lender. The XXXX paid {$5200.00} towards my Gate loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. When I was on XXXX XXXX orders for training and XXXX the last two years, I had no problem deferring my loans. Now I am on an accelerated repayment schedule, they are trying to make me payback approximately {$2000.00} a month on approximately {$25000.00} in Gate Loan debt when I still have four more years of SLRP principal payments plus one additional year of partial payment of approximately {$2500.00} that the government will pay on my behalf. I have been trying unsuccessfully to change my payment terms to interest only, so that I do not have to pay back money that the XXXX will be paying off on my behalf. AES has stated that National Collegiate Student Loan Trusts have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. I am an XXXX Veteran who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money. I have not found a way to contact NCT Directly. AES has been horrible on the servicing. Everytime I call into AES, I get a different person and have to explain my situation all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
In Spring of 2018 a fraudulent purchase was made on my JC Penney Credit Card. I called immediately when I noticed to the customer service and they said they would fix right away. Instead of fixing- they deactivated my credit card, then replaced with a new one- transferring the full balance of the fraudulent charge ( and all that was listed on the account was " Balance Transfer '' not detailed out like before ). I then called AGAIN to see why my balance wasn't fixed, and I was then told when I made the last purchase- which was not my purchase, and that they wouldn't fix. I refused to pay anymore to the store card, which has now hit my credit report as a charge off, and late balances have accrued. I would really like this off of my credit report and fixed immediately, as it is affecting my ability to get student loans for my XXXX XXXX XXXX. It has caused my credit to drop which I have been in the process of fixing over the past few years ( I have 100 % payment on time, etc ).

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 2019-04-01 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: Continental Services Group, Inc. d/b/a ConServe
State: AZ

Complaint narrative:
Upon review of my credit report in XX/XX/2019 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the separate collection agencies, one being XXXX. I sent a original certified and notarized letter requesting validity on the alleged debt on XX/XX/2019 to XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I have not received a response letter in this matter but instead received a second bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have an unauthorized hard inquiry from a company named " XXXX XXXX '' on my Equifax credit report from XX/XX/2018. I called the telecommunication company XXXX and their credit department insisted that they did not make the inquiry. Equifax declined to provide any contact information of this company and refused to remove this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
AMEX business platinum credit card 's representative informed incorrect information resulted in payment of unwanted annual fee / opening up a credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XX/XX/2019, I received an offer for a 0 % balance transfer to a Discover " It '' card and decided to apply. My intent was to open the credit account so I could move and pay down a balance currently being carried on a different account. During the application process, Discover asked me the amount of money I would like to transfer and also collected the account information for my account at the other financial institution. I requested approximately {$17000.00} as part of the transfer request, a balance that was the result of a few recent large expenditures that I put on credit only to earn points. I originally planned to use savings to pay off the balance, but Discover 's offer looked to be a great alternative. 

I am a responsible credit user with more than a decade of spotless credit history, a high credit score, and low utilization across my accounts. 

Though the application was approved, the credit line was for a fraction of the amount requested in the balance transfer. I was granted just a {$3600.00} credit line, which equates to less than 3 % of the total credit I had available to me at the time. I tried to contact Discover immediately after seeing this, and the agents were unable to see anything regarding the account since it was " too new. '' They asked me to call back once I received the card in the mail. 

I called when the card was received in the mail, and the agent I spoke with informed me that they would continue to process the balance transfer request, but only for 95 % of the total credit line I had been approved for. This was approximately 19 % of the total amount that I had requested to transfer in the first place. 

Ultimately, I have decided to cancel the account and to not bother activating the card. The targeted marketing materials led me to believe I would be able to open an account with a credit line up to the amount that I was requesting to transfer. Since this was not the case, I have no value in the new account but now have a negative mark ( hard inquiry ) on my credit report. I feel that Discover should clearly explain in its application that if approved, an account will be open with a credit line that is not at all informed by the amount in the balance transfer request. Had I known this or had I had a chance to withdraw the application before opening an account with such a low line of credit, I would not have opened the account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WI

Complaint narrative:
In XXXX I had purchased a used vehicle from a place called XXXX in XXXX, wi. I called the loan company for XXXX, which is universal acceptance car. I kept with contact with the loan company, I was going through financial issues and so I called the loan advisor and had asked what I could do, The guy stated that if i voluntarily returned the vehical that it would not be put on my record and that my loan would disappear as paid. I took the car back in XXXX and gave it back, the lady working that day put it in as a voluntary return. A few weeks later XXXX had called me and told me that I would not be responsible for any more payments since they sold the vehicle. A month later the company went bankrupt and all accounts got closed. After they claimed bankruptcy I was then followed with a Claim of in which the XXXX was sold for. It was not my responsibility to pay for a vehicle for a price that it was sold for. 
Last year I had contacted XXXX XXXX to help me with this situation because it was all in accurate information put on my credit report, they then sold my account to a creditor in hope to claim money that I did not own for a vehicle they sold to someone else.

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 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I am having problems with my mortgage company which I just found out they added my hours to a foreclosure list. I had been on chapter XXXX which I completed in XXXX. In XXXX I had to file for a 4 month chapter XXXX which I completed. Since the second chapter XXXX I have made my payments on time and they are trying to foreclose my house. I made my payment in XX/XX/XXXX for XXXX and they put it in a suspense account. I made my payment on XX/XX/XXXX for XXXX and they refunded that amount back to my account. I don't know why they are doing this. I have evidence of having completed both chapter XXXX in good standing and evidence I have been on time with my payments thereafter. I feel it is plain harassment and am reaching out to your office for help in this matter. I have received correspondence and a text for realtors telling me they saw my property in a fore closure list and are reaching out in case i'd like their assistance to do a short sale for fore closure. The last two options are not an option when I completed my chapter XXXX 's and have been paying my mortgage every month on time. Upon your review of my complaint I will be more than willing to submit proof of my case.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation