vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I booked a ticket using rewards miles, and was surprised to find when I checked in ( XXXX ) that I had to pay {$25.00} each way to check a small carry on bag. I know that I would not have agreed to this when I booked my ticket through chase. When I looked at my ticket, it states carry on = free. When I looked at booking other tickets, it is equally unclear on their mobile app about baggage fees. If they want to market themselves as a travel rewards card, they need to be up front and be truthful in their app when you redeem points with carriers. See the screenshots - any reasonable person would be decieved by this. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX XXXX XXXX misapplied my loan payments after a loan had already been paid off and I received a PAID in FULL notification ; they reopened my PAID OFF loan and altered my balance right before I was about to make a payment. I believe this company is altering and misappropriating my loans to collect extra money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 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: FL

Complaint narrative:
I am writing to complain about unauthorized Inquires on my report that I am requesting the investigation and removal. 

I contacted creditors and asked them to remove their credit inquiry from my credit profile. 

These are the unauthorized Inquires 1.XXXX XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX XXXX XXXX- XX/XX/XXXX 3.XXXX XXXX XXXX -XX/XX/XXXXXX/XX/XXXX 4.XXXX XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 5.XXXX XXXX XXXX-XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX- XX/XX/XXXX 6.XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 7.XXXX-XX/XX/XXXX 8.XXXX-XX/XX/XXXX-XX/XX/XXXX 9.XXXX-XX/XX/XXXX 10.XXXX-XX/XX/XXXX 11.XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX XXXX XXXX-XX/XX/XXXX 13.XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX 14.XXXX XXXX-XX/XX/XXXX 15.XXXX XXXX XXXX-XX/XX/XXXX 16.XXXX XXXX XXXXXX/XX/XXXX 17. 
XXXX XXXX XXXX-XX/XX/XXXX I am a victim of several data breaches XXXX XXXX XXXX to name a few.

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 2018-06-07 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: GA

Complaint narrative:
I submitted a dispute with Experian of incorrect information on my credit report regarding a bankruptcy. Experian initiated an investigation that resulted in Experian reporting that the US Bankruptcy Court of XXXX verified the information as accurate. I have reached out to the US Bankruptcy Court of XXXX and have written proof that the US Bankruptcy Court of XXXX does NOT verify bankruptcy information with credit bureaus ( please see attached email ). This leads me to believe that Experian really DID NOT verify ANY of this incorrect information and told me ( the consumer ) untrue and inaccurate information regarding this dispute. Per the National Consumer Assistance Plan ( NCAP ), effective XX/XX/2017 : Public record data must have your name, address, and either your Social Security number or your date of birth AND The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records.

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 2018-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
cosigned for student loans in XXXX for XXXX XXXX XXXX. I contacted Navient in XXXX requesting release as cosigner. O was told he had to have proof of education. Months of trying to track this down yielded no results as the school has closed and no records are located at the state department. I again contacted navient and was told XXXX needed to make the request and his loan didnt require education proof. He did so. The request was denied stating he needed proof of education and 12 consecutive on time payments immediately proceeding request. He had a late payment because he didnt receive a statement after we started this process at which time he put the payments on autopay and brought act up to date. Navient was again contacted after this letter and questioned why the denial as he was told proof of education not needed and the reason he had late payment in 10 years. Navient responded stating he does not need proof of education but he did not have 12 consecutive payments immediately preceding the request. We feel cosigner should be released based on navient keeps changing reasons for denial. XXXX has made on time payments for over 10 years. Their website indicates you need 12 consecutive payments but does not say immediately preceding request. He has proven his credit worthiness over the last 10 years, has a good credit rating, and a steady income and to which proof was provided. We so feel they didnt send statement on purpose so cosigner could not be released. Navient customer advocates ( XXXX XXXX + XXXX ) do not return numerous phone calls despite their statements for us to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Control Technology, Inc.
State: OR

Complaint narrative:
Account Control Technology is attempting to collect a debt they say I owe. For XXXX XXXX in XXXX, Mn.. I do not owe this debt, My Identity has been stolen for the third time in a year, your agency has handle the first two successfully. please help once again. I have only been contacted by this collection agency by phone so far. and have written them and XXXX XXXX a letter to cease and desist further collection harassment as I have no legal obligation for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
ProCollect sent documentation claiming a debt was owed to a previous apartment community in which I resided. The claim states the debt is owed due to insufficient notice, resulting in liquidated damages of {$1300.00}. However, an addendum to the lease agreement provided two options and the option executed explicitly states that I do not agree to pay liquidated damages. " Lease to '' date of XX/XX/2017 and " move out '' date of XX/XX/2017 showcase that I in fact did not terminate the lease early, nor stay beyond the " lease to '' date. Thus, no debt is owed to this organization. I have provided copies of all documentation to ProCollect, as well as written a letter clearly articulating the above with specific reference to sections within the lease agreement, ledger, notice to impose a claim, and addendum.

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 2018-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I used western union to send money to a vendor bank account. On their website, it shows it is complete even though the bank account the funds were sent to has not received the funds. Even their online tracking system is showing that the receiver has not received the funds into the account. The transfer should have happened in 7 business days. Its been 30 days now and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 
Experian has repeatedly failed to DELETE an inaccurate Public Record account that's on my credit report that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( i ) ; as well as, fail to provide me documentation in my file and that was used to determined the alleged accuracy of this account according to FCRA 611 ( 15 U.S.C. 1681I ) ( 6 ) ( i ) ( ii ) ( iii ) and FCRA 609 ( 15 U.S.C. 1681g ) ( a ) ( 1 ). Also the National Consumer Assistance Plan ( NCAP ) passed on XX/XX/2017 after coming to a settlement with all ( 3 ) credit bureaus that the ONLY way bankruptcies are VERIFIABLE/ IDENTIFIABLE is they MUST have a name, address, a Social Security number or a D.O.B before appearing on my credit report, which is not showing on this incorrect bankruptcy. Therefore, this account MUST be deleted from 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 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Last Friday my wife and Ii called XXXX  XXXX XXXX credit card division in order to pay and old accounted my wife 's. We were told by the mortgage company we are currently going ough to refinance our home that it needed to be paid and reported to the credit bureau in order to do a rapid restore of her credit. We call XXXX  XXXX XXXX, and they told us we needed to call NCB. Management because they were handling the debt. I asked why couldn't they just call and let them know its being paid. They so no we had to call them. We called NCB they told us it had to be a cash payment through XXXX XXXX we ran out to XXXX XXXX and pulled money out of the ATM to make the cash payment. Monday NCB got payment and sent us a letter that we had a XXXX balance. Today I called XXXX XXXX XXXX to give verbal authorization to allow the credit bureaus to verify the XXXX balance. XXXX  XXXX XXXX said they did have the payment, and it would take them 14 days to get it. NCB said they had already sent it to XXXX XXXX XXXX. Called NCB back and they varied it had been sent. I said it seems punitive to make the customer wait all those days, but the account is paid of. They to me they should have it updated already. The regular wait time is 30 days while the investigate. There was no investigation because it was paid in full. Why make the customer wait another 30 days while you sill put a negative entry in there c edit reports again, but you already have their money. This seems vey good XXXX and a violaltion of the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: SC

Complaint narrative:
i contacted the credit bureaus by mail and ask for proof that these items in question was mine they said they had no proof in my file that these items where mine but they refuse to remove them from my credit report I know this to be illegal according to FCRA laws under FCRA law 609 I have the right to ask for these documents to be sent to me by mail and I did they sent no documents to me so by FCRA law these items have to be removed from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX was contacted through the CFPB to show this account as closed. According to their response, they have notified XXXX, XXXX, and Equifax that this account has been paid in full and should be reported as closed no longer showing a derogatory account on my credit report. Please correct this and show as a closed account and no longer a derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
REFUSED TO GET BACK TO ME THESE ACCOUNTS ARE NOT MINE

Company response to consumer: Untimely response
Consumer complaint received 2018-06-07 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: SC

Complaint narrative:
i contacted the credit bureaus by mail and ask for proof that these items in question was mine they said they had no proof in my file that these items where mine but they refuse to remove them from my credit report I know this to be illegal according to FCRA laws under FCRA law 609 I have the right to ask for these documents to be sent to me by mail and I did they sent no documents to me so by FCRA law these items have to be removed from my credit report ASAP

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 2018-06-07 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: SC

Complaint narrative:
i contacted the credit bureaus by mail and ask for proof that these items in question was mine they said they had no proof in my file that these items where mine but they refuse to remove them from my credit report I know this to be illegal according to FCRA laws under FCRA law 609 I have the right to ask for these documents to be sent to me by mail and I did they sent no documents to me so by FCRA law these items have to be removed from my credit report ASAP

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 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received correspondence dated XX/XX/XXXX from GC Services Limited Partnership regarding an alleged debt I owed to the XXXX XXXX County Superior Court,  which had been paid prior to GC 's involvement. I immediately called the number on the letter, XXXX, to resolve the matter. After waiting on hold for over one ( 1 ) hour for a representative to take the call I finally gave up without the call being answered. I thereafter responded by way of the attached letter dated XX/XX/XXXX, sent via USPS Priority Mail, which was received by GC Services on XX/XX/XXXX. 

Having no response by XX/XX/XXXX I sent an email to GC Services - a " screen shot '' of the email is attached, along with the full text of my correspondence. 

As of XX/XX/XXXX I had received no reply from GC Services. 

On XX/XX/XXXX I received a second letter dated XX/XX/XXXX from GC Services stating that I had not responded to the " previous notice, '' a copy of which is attached. 

On XX/XX/XXXX I again attempted to call GC Services at XXXX. After one ( 1 ) hour and eight ( 8 ) minutes, listening to the recording that a representative would be right with me, I finally gave up. See attached copy of photo of call log from my telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
After my last communication with radius / XXXX, or whatever name they are using at this time, they called the XXXX police and said I had threatened them through CFPB and that is not true. I said their tactics might kill me, and that may be true if they take my XXXX  income and pension income, as I could not support myself without it. What are they trying to prove? I know they are massively powerful already. I suppose I am lucky that I was not arrested. What comes next? How will they threaten me next? I am terrified now. This debt was from my late husband, who took other credit card debt, of his, and dumped it on this card without my knowledge or consent. He ran up debt on my XXXX card buying expensive clothes, and then dumped that debt on this card, I told this to XXXX in numerous letters to them and their collectors over a 3 year period. He killed himself in XX/XX/2015, and his problems are over. What more do they want? He stole my life savings of over 300K. I do not think it is appropriate to call the police to my door because I owe them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C.
State: ME

Complaint narrative:
this account is not mine and they keep reporting it as a collection account on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My capital one is blocking for me to access my financial information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABSOLUTE CREDIT  LLC
State: ME

Complaint narrative:
THIS IS NOT MY ACCOUNT POSSIBLE IDENTITY THEFT THEY HAVE REFUSED TO REMOVE THIS ACCOUNT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, XXXX, and experian ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

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 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Per XXXX XXXX, the ownership of this debt is XXXX XXXX , XXXX and I have made payment arrangements with them ... MIDLAND has no ownership of this debt and I would like them to be remove from my credit ASAP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
NOT A DUPLICATE!! What I was explaining in the first complaint was the CA State Law regarding wage garnishment. Attached is the court order ruling on my case. The judge overturned the wage garnishment and returned my money to me. Bank of America needs to return my fee.

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 2018-06-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( transunion, XXXX, and XXXX  ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

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