vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-09-08 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have spoken with representatives from Equifax and XXXX  that my auto loan is paid in full as of XX/XX/2020. I was advised that the account would be updated XX/XX/2020. It is still not updated. 

There are also several accounts that have been closed because they were paid in full but have not been removed from the account. They are very old accounts that never seem to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
in late XXXX due to Covid employment issues, I contacted our mortgage company to inquire about an arrangement due to loss of income due to Covid. The bank informed us they were giving us three months to not make payments and we can do a loan modification to have the three months added back into the loan. Seemed fair. We afterwards received some documentation telling us were in forbearance. I attempted to reach the bank multiple times about the loan modification process and my eagerness to get the process started n completed. I heard nothing. After multiple calls to the bank Cross Country Mortgage. I finally spoke to someone who told me, that we would be contacted bout the loan modification n in the meantime go ahead n start making our payments again in XXXX as planned. And so we have. I had to call in XXXX n inquire why the bank reported late payments to the credit bureaus when due to Covid we were told that wouldn't be the case. The bank told me it would be taken care of and that shouldn't have happened. I also disputed these issues with the credit bureaus and it was removed. Now, I can't make a payment online n I call n they tell me I requested to be moved to loss mitigation n no loan modification was requested. What?! I've attempted over a dozen calls to the bank n the poor " horrible at their job '' customer service rep gets angry at me and acts like I've done something wrong n says I called in XXXX saying I couldn't make payments, when I had paid in time both XXXX n XXXX as initially instructed. What's going on over there? I've had to request again a loan modification from Cross Country Mortgage today XX/XX/XXXX. They've misled us as customers, can't give me anything in writing upon our conversation n now they're treating us like bad borrowers when we've met every obligation agreed to on our end. We simply want to resolve the Covid relief period, do the loan modification as initially offered n continue making our payments each month like we always have ( minus the three months from XXXX XXXX, as agreed upon due to covid-19 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Hello, I applied for an auto loan XXXX and was denied because i had a frozen credit at XXXX  and did get approved for a loan. My credit score for the 3 credit agencies run about XXXX. Then apparently a company named SageStream , LLC gave me a XXXX score? My issue is who are they and why do they have my person information? I am unaware that there is another or a new credit agency. I tried to call them but was unable to talk to an actual human. ( im sure by design ). I do not want to deal with them in the future and to freeze my credit with them I need to give the my personal data along with personal documents? please explain why this i happening? I have not given them any permission to handle my personal info and grade my credit score. Please turn them off! Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT MIDLANDMCM XXXX MIDLANDMCM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLANDMCM XXXX MIDLANDMCM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications  and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: OH

Complaint narrative:
I had ( 3 ) bank accounts with Key Bank ; ( 2 ) Key Gold Money Market Accounts and ( 1 ) Key Privilege Checking Account which were established by a " Financial Wellness Consultant '' under the supervision of the Personal Banker Manager at the XXXX XXXX Branch ; for the expressed purpose of creating a " Key bank Relationship '' among these accounts which directly and contractually qualified for a special " Relationship '' interest rate. 

When I attempted to cash a check, the branch refused due to the implementation of an " additional identification measures '' internal to just this Bank and not mandated by the Federal Government or any entity thereof. Their system failed at no fault of mine ( they admit so in a letter dated XX/XX/2020 from a XXXX XXXX XXXX Client Relations ) and despite their admission, offered only an apology for the inconvenience and the assurance that the branch will be dealt with. 

Nonetheless, I closed all ( 3 ) accounts in accordance to the terms of the agreement and stated that I would never ever do business with Key bank again.

Upon closing, rather than receiving the " promotional rate '' from the last statement thru the closing, the bank instead paid interest at the non relationship rate ; in affect, shorting me nearly 1 full month of interest by nearly 1 % ; which in today 's low interest environment, is a huge discrepancy. All is ask is that this bank lives up to its own  regulations and contractual obligations by paying what it owes instead of requiring me to continue to fight, fight, fight for the dollars rightfully mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a letter from Chase Bank informing me that they were lowering my limit to within a few hundred dollars of where the balance is. The letter stated that " one of my chase cards is delinquent, Bankrupt or in a Payment Program ''. The only payment program that I entered was one granted through the Cares Act as a result of the Pandemic. As I was coming out of the pandemic protection program I was hit with a 30 Day Late on this Credit card on my credit report. I called them up and disputed the reporting and I also made the full payment within a day of that phone call and within a day or 2 following my dispute the report was removed from my  report indicating that they were in error. Not more then a Month after that event they did a review of my account and lowered the limit. I thought the Cares act was supposed to protect you from things like this from happening. This was not an event that would indicate an  issue with my personal ability to pay or my personal finances this was an event that forced the entire country be ordered to stay home by the Government. I had been making Minimum only payments on this card for sometime only due to the fact that I have XXXX  children in college and am focusing more on tuition payments than credit cards, during this time I also was not making new charges on the card. I feel like I am being punished for entering the COVID Relief program, I had been a card member in good standing since the year XX/XX/. I called in and spoke with both a Supervisor and a Customer Service Agent and all they will say is that they want me to go through another application and have them do a hard pull on my credit report to maybe get a shot to get my limit back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXXATTENTION DISPUTE DEPARTMENT CAPIO PARTNERS LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in  the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX CT, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
{$6400.00} has vanished from the my records. They refuse to account for it .They owe me this money for an illegal tax offset and wage garnishment. Now, its disappeared.. vanished..not on my records anywhere.. no answers from them as to where the money is. Dept of Ed refunded the {$470.00} dollars that they received out of the nearly {$7000.00} that was taken.. but Navient has not accounting for the {$6400.00} that they received. They have embezzled it.. and are extorting money from me again with a phony default, fines and fees etc because I refused to pay them till me account is reconciled.. If I had done that, they would owe me another {$5000.00}. Im not paying the same loan twice..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: OH

Complaint narrative:
My Name is XXXX XXXX XXXX I would like to file a formal complaint / investigation against Equifax Credit bureau regarding reporting Inaccurate fraudulent accounts to my credit profile. I have sent them countless dispute letters I can confirm at least 8 letters sent Certified US Mail and successful Delivered please see attachment. They have never provided me a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 So I contract the creditor ( s ) Directly example XXXX XXXX where the did send me a copy of the fraudulent contact ( Never Once did Equifax send me any original documents from this creditor to show prove that this debt belongs to me ) I of course respond to XXXX  and Equifax once I obtain the contract myself from XXXX  that this was fraudulent I see where XXXX  Stop reporting on the account back in XX/XX/2020 ( please see attachment ) However this debt is still showing and being reported by Equifax despite myself providing them the contract that clearly shows that is not my signature cause I also provide them a copy of my social security card driver license and a Notarized statement I even went and filed a police report witch I am waiting to be assigned and detective to investigate this crime to take legal action against all parties involved This have been very stressful costly damaging to me! I believe that they are in competed of reporting accurate information I have sent them my driver licenses numerous of time and they continue to report my Birthday as XXXX even know I have told them shown them that is a fraudulent birthday not correct!! XXXX They removed XXXX  account from my credit report to only put it back on there 2 days later I have been disputing this for years and they have even fraudulent respond to my disputes Confirmation Number : XXXX saying it was nothing on my credit report but a collections account for a apartment complex but when I would check my credit report everything I would be disputing would still be on there as if they are not even checking the validity of the reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX I deposited two insurance checks into a Money Market Savings account in XXXX   XXXX. Money began to be removed from the account other than me requesting the removal. A year later in XX/XX/XXXX the account was empty. I have used lawyers, and other legal agencies and each time the avenues I used would look into my case and they were told the case was closed when in fact I never was told anything or even sat down with any bank official with my bank papers and explained the numbers. Not one bank official called me to ask if I considered my case to be closed. 
It appears a bank manager at XXXX XXXX / Chase bank in XXXX, Ohio took it upon himself to say without investigating my story that my case was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Navient services my Federal Student Loans. In XX/XX/XXXX the Federal Government with the CARES act stated that Federal Student Loans could be in deferment until XXXX of XXXX and not accrue any interest. I called Navient and stated I wanted to take advantage of this as I had some other large loans to pay back and my husband was out of work due to COVID. The informed me that I was eligible and that their would be no interest added to my loan from XXXX to XXXX. Then I read that this would be continued until the end of the year. Navient was already sending me notice that I was behind in my payments as of XX/XX/XXXX so I called them and they told me I could go into Forbearance but interest was accruing on my loan and it had been since I put it in Forbearance in XXXX. I informed them that I understood and the Navient CS person stated in XXXX that I would not be charged interest. The Navient CS today stated that my loan is not owned by the Education Department and only Education Department Loans were entitled to this so they are putting another whopping amount of interest on this loan. My loans started out at {$61000.00} in XXXX and today after making many payment are at {$68000.00}. I am 2 years from retirement and they just continue to go up. I understand that I took this money out years ago to try and better my life and the my kids life and it did provide me a better job, but I have paid so much in already, which Navient only shows what I've paid since XXXX and I own more and more all the time.

Company response to consumer: Closed with explanation