vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
For the secnd time in over 7 years Citibank, N.A> is taking me to court over a depth thatI do not owe them, They Illegal tranfered money to a Fake Account at XXXX XXXX back in XXXX or XXXX. I informed them I did not authorize thei tranfored, but they sent the money to XXXX any way!! And NOW again they are taking me to court for the second time. The first time they did not show up to court

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 2019-09-15 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: MA

Complaint narrative:
I am writing to dispute DEPT OF ED/XXXX XXXX. The opened date listed on these accounts are incorrect, please delete these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: MA

Complaint narrative:
I am writing to dispute DEPT OF ED/XXXX XXXX. The opened date listed on these accounts are incorrect, please delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
On my mortgage statements I am being charged {$20.00} every month for property inspection. I live in my home and we are behind on mortgage payments due to a reduction in income that started in XXXX of 2019. We did call for help but did not get any from our lender. They charged another property inspection fee again this month. That is an additional {$60.00} so far. This is unfair when I live in my home. We are in the process of trying to make two mortgage payments each month till we catch up in XXXX. I have cashed out a retirement fund to catch up and will receive the funds the beginning for XXXX. We were not aware of these charges and will not pay 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 2019-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Hawk Inc
State: SC

Complaint narrative:
I am a customer with Lender Loans at XXXX XXXX XXXX in XXXX SC. I fell behind in payments before and they sent my account to the magistrate office and tried to take me to court. But I had to beg my back for a XXXX loan to pay them so they could stop the charges on my. So on XX/XX/XXXX I had to be rushed to hospital for XXXX XXXX due to a XXXX XXXX I had and had to be admitted in for a few days and out of work for a minute. I sent this company a letter explaining my situation to them and ask them kindly to give me a break on the phone calls and the letters sent to me. Cause I am on bed rest and doctors want me to be stress free. And they have not stopped. I ended up putting them in call block to get them to stop on my end. After I don't scrap up XXXX to put towards the loan and stop the charges look like they would close my account. I am a single parent with a serious health issues and trying to live for my kids without debt killing me. I need help with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax sent me a letter ( attached ), stating that I, XXXX XXXX, requested a Fraud Alert be placed on my Credit Report ( s ). I DID NOT request any type of alert or block to be placed on my credit. Further, I did not ask Equifax to notify XXXX or XXXX of any such thing. This Alert/Block is damaging my ability to do things like get utilities in my name - I am a XXXX Veteran and this hinderance is actually life threatening for me. REMOVE all such Alerts/Blocks on my Credit IMMEDIATELY - thank you. I have sent this in written correspondence as well to all 3 Credit Agencies, along with Proof of my Identity and Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have never missed a payment for XXXX XXXX XXXX , XXXX . Please investigate, according to my records I have never missed a payment.

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 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX sent me a letter ( attached ), stating that I, XXXX XXXX, requested a Fraud Alert be placed on my Credit Report ( s ). I DID NOT request any type of alert or block to be placed on my credit. Further, I did not ask XXXX to notify TransUnion or XXXX of any such thing. This Alert/Block is damaging my ability to do things like get utilities in my name - I am a XXXX Veteran and this hinderance is actually life threatening for me. REMOVE all such Alerts/Blocks on my Credit IMMEDIATELY - thank you. I have sent this in written correspondence as well to all 3 Credit Agencies, along with Proof of my Identity and Address.

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 2019-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX sent me a letter ( attached ), stating that I, XXXX XXXX, requested a Fraud Alert be placed on my Credit Report ( s ). I DID NOT request any type of alert or block to be placed on my credit. Further, I did not ask XXXX to notify XXXX or Experian of any such thing. This Alert/Block is damaging my ability to do things like get utilities in my name - I am a XXXX Veteran and this hinderance is actually life threatening for me. REMOVE all such Alerts/Blocks on my Credit IMMEDIATELY - thank you. I have sent this in written correspondence as well to all 3 Credit Agencies, along with Proof of my Identity and Address.

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 2019-09-15 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: LA

Complaint narrative:
I've submitted disputes online, but it doesn't remove inaccurate reporting. Instead, they just add a statement. Their report has names that are not mine, accounts that are not mine, phone numbers that are not mine, social security numbers that aren't mine, and addresses that are not mine. The majority of the report is completely inaccurate and shows other people 's personal information. This is fraud. My credit is being negatively impacted in many ways. This can also change the interest rate I get which has extremely long lasting effects on me and whoever is missing information from their report. There is a student loan account listing over {$57000.00} that was started in XXXX. I was finished with college in XXXX and haven't opened a new student loan account since I was not in school. There are several small personal loans listed from XXXX-XXXX  with a credit union that I've only had an inactive account with since before XXXX. The personal information is beyond mixed up and wrong. I shouldn't have to spend precious hours disputing based on their mistakes.

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 2019-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
Forster & Garbus violated the Consumer Financial Protection Acts prohibition against deceptive acts and practices by making such representations to consumers through its lawsuits. On XX/XX/XXXX I've received doc from superior court of New Jersey from Forster, Garus & Garbus the New jersey firm trying to collect {$580.00} remain balance, Which is incorrect in XX/XX/XXXX, I had sign a Stipulation of Settlement and faxed back to XXXX XXXX from Forster Garus, the Stipulation on the agreement of {$1300.00} I paid in XXXX of XXXX, The Court docs is stating the I defaulted on my XX/XX/XXXX which is incorrect I had completed all payments in XX/XX/XXXX, Also call XXXX XXXX to confirm, Which was confirmed verbally, they are stating that because I defaulted in XXXX I now own {$580.00} which would equal that original amount, If feel this Illegal, fraud and I'm being scam for more money. I have all my bank statement that I completely paid them in XXXX for the amount agreed. I have attachment my bank statement showing payment date and amount, some of the payment receipt from Forster, Garus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: CA

Complaint narrative:
Regarding XXXX XXXX XXXX XXXX that has put many errors on my credit report, they finally fixed this issue. Upon Experian re disputing these events, Experian marked me 30 days late all over again. My score went up 33 points once Experian incorrectly finalized their dispute my score went back down due to Experian error. I believe Experian to be not representing their dispute product properly and I do not believe they are properly even reaching out to the company that is being disputed. I would like this fixed once and for all this has been a 3 month nightmare. 
I want all late history removed permanently from the past from my XXXX portion of 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 non-monetary relief
Consumer complaint received 2019-09-15 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: NC

Complaint narrative:
I have no knowledge of the following account XXXX XXXX XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am constantly receiving calls from Portfolio llc, I have spoken to them on a couple occasions and fully explained my financial situation on Thursday XX/XX/2019, I had ask them to stop calling me and that their calls were becoming a point of harassment they stated that they would note the account to have the phone call stopped. As of XX/XX/2019 they still continue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had a Chase bank Amazon Credit Card I was late paying the balance on. The next month I paid the balance and closed the card account with them I was told my account was closed I would not be charged anymore. I did not know nor was told Chase could charge interest on the previous months balance to the closed account and that I would be responsible for paying that. This came down to about {$7.00}. 

Chase then charged me {$29.00} per month in late fees for over a year on this card that I thought was closed. 

To be fair chase sent me letters to my parents ( I rent it's a more permanent address for me ) that I chose to ignore assuming incorrectly that it was additional promotional offers they spam me with since i signed up. I had to filter them out of my email inbox in to a separate folder where again I incorrectly assumed I could ignore emails from a company I have no open accounts with. Chase robocalled me to inform me of a balance on my card but it sounded like the stereotypical scam. One year and an actual human finally calls me to explain I owe chase {$350.00} now. Digging through the promotional offers in my email I confirmed there were balance statements. 

I explained the situation to Chase. I explained I am a broke XXXX XXXX and this would prevent me from clearing rent that month. They forgave about {$150.00}. 

Chase bank charged me {$200.00} in fees over a {$7.00} interest fee on an account I was told was closed after I paid the remaining balance and asked to close it. 


This was about 7 months ago that I paid off the late card and " closed '' it again. About 18 months from the initial missed payment on the {$7.00} interest. 


Do I have any recourse? If I provide all the documentation for this incident can it be added to the stack of frivolous banking fees Chase uses at least? 

I can't reasonable fathom charging someone {$350.00} for owing {$7.00}. 

Thank you for your time and I understand it is unlikely I have any legal ground. I hope if anything this complaint helps establish the pattern of unreasonable exploitive punitive measures Chase bank uses over trivial amounts it's customer owes and how unclear promises made by support agents result in hundreds of dollars in fees unless the consumer is reasonable vigilant in monitoring closed accounts. I was not vigilant and lesson was learned but I have to wonder how this kind of contract is ok in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Nguyen Law Firm, PLC
State: VA

Complaint narrative:
On XX/XX/2019 I received a letter from The Nguyen Law Firm , PLC stating that they attained a default judgment against me in XXXX General District Court on XX/XX/2019 for a medical debt? 
They are saying i owe judgement for {$830.00}, Court Costs {$54.00}, and Attorney fees of {$270.00}. 
I was never served, or notified of any court date period. Had I been notified, I would have appeared in Court. 
Their total default judgment is for {$1100.00}. They are stating I owe debt to XXXX XXXX XXXX XXXX XXXX.? 
The letter is backdated, so even though it's stating I have 10 days from the date of their letter to pay them in full or they will seek wage garnishment. The letter is backdated for XX/XX/2019. 
Today is XX/XX/2019. This letter arrived in the mail yesterday XX/XX/2019. 
As a Senior, and a woman, I feel not being served or notified of this court hearing violated my rights and has taken advantage of me by making sure I would not be able to be present at this court hearing. I was never notified or given any written Validation of Debt letter.

Per Code of Virginia 8.01-2.96 Manner of servicing process upon persons, 8.01-286.1, delivering a copy of legal action, delivery to persons at residence, person executing service must notify in person, or if services can not be complete, service onto landlord. This letter has my correct address. I was never notified or served. 
Per XXXX County website, " how served '' was deliberately left blank because I was never served or notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received a lifelock notification XXXX XXXX XXXX XXXX XXXX opened a new account on my consumer file on XX/XX/XXXX alleging {$550.00} owed to their company. Report shows XXXX account with a {$0.00} balance. 

XXXX XXXX XXXX XXXX XXXX opened an account with Experian stating a 1 month term seriously past due since XXXX which is false. See 24-month payment history. 

XXXX XXXX XXXX XXXX XXXX opened an account in XX/XX/XXXX with XXXX alleging {$550.00} was owed since XX/XX/XXXX which is false. I have never heard of this company and there was no communication in XXXX at any time. 

Experian and XXXX has credit consumer report along with XXXX XXXX XXXX Finance & Credit Card, and other mortgage company does not show XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

If both XXXX & XXXX XXXX XXXX XXXX XXXX was owed {$560.00} they would not have allowed the 3 year statue of limitations to expire. Their acts are deemed harassment. XXXX received disputes updating consumer files to {$0.00} balance prior to XX/XX/XXXX. 

Experian and XXXX ignore all request to conduct a thorough investigation based on all disputes sent between XXXX - XXXX. Both companies state they do not investigate the creditor updates through electronic means. There are several discrepancies one report has XX/XX/XXXX on Experian. My report that showed a XXXX FICO score XXXX XXXX XXXX back date the account to XX/XX/XXXX to drop my score over 100 points

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 2019-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am constantly receiving calls from XXXX XXXX, I have spoken to them on a couple occasions and fully explained my financial situation on Thursday XX/XX/2019, I had ask them to stop calling me and that their calls were becoming a point of harassment they stated that they would note the account to have the phone call stopped. As of XX/XX/2019 they still continue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
A couple months ago I got a phone call from a debt collection agency saying that I owed over {$2000.00}, a rediculously high claim, and that if I didnt pay it off my credit score would be negatively affected. The collection agent then began pressuring me to give him bank and credit card information to resolve this amount immediately over the phone. I was not told I could dispute the debt claim or that I had 30 days to do so. I was repeatedly pressured to give out personal information even after telling the collector I would not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Hi CFPB, I refinanced my house in XX/XX/XXXX. Not long after that, in XX/XX/XXXX, my contract was then transferred from the original bank : XXXX XXXX ( debt collector : Ocwen ) to a new debt collector called XXXX. 

I was supposed to start paying XXXX just in XX/XX/XXXX and the last payment to Ocwen should have been made on XX/XX/XXXX. Because of a miscommunication, I've swapped the payments, paying XXXX on XX/XX/XXXX and then paying Ocwen on XX/XX/XXXX( the check was cashed just in XX/XX/XXXX ). 

I've called both companies and they've informed that everything was ok, that I should not worry about it. 

Nines months pass by and now I'm trying to negotiate my interest rates with XXXX. Unfortunately, I discovered that XXXX gave my XX/XX/XXXX payment to Ocwen and that Ocwen received two payments for the same month of XX/XX/XXXX. Not only that, now XXXX wants me to pay an extra mortgage, and already started sending letters stating that I'm not due with my obligations, which is not true as I'm very careful to not miss a single payment. 

I've called and sent many emails to XXXX to explain the problem and they finally said that they can't do anything about it and that I should contact Ocwen. The problem is that my co-borrower sent a fax and I've sent another one to Ocwen and they never replied to anything. 

Now I have XXXX from one side threaten me with foreclosure and on the other side I have Ocwen not responding to any of my faxes and calls. 

I want to solve this asap as this will affect my credit and also because I don't want to pay interest rates, as this was never my fault. 

Thank you so much for your services CFPB. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation