vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I XXXX XXXX XXXX have Tendered payments thereto Chase Bank on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX XXXX and XXXXXXXX XXXX and one was made at XXXX XXXX. On XX/XX/2019 I received four calls from the same number, one every hour between XXXXXXXX XXXX. and XXXXXXXX XXXX. and XXXX at XXXX XXXX. It was not until the last phone called I received where a voicemail was left from chase and its card services. When I researched the number online I saw that it was a debt collection number from chase. Why is chase harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I called Santander to ask them for help with lowering my car payment. Im on XXXX with a fixed income. My current monthly payment for the car is {$400.00}. Im trying to avoid bankruptcy. 

At XXXX XXXX XXXX, I was charged for gap insurance that I was adamant against it. The finance manager XXXX ( I believe ) told me that I cant purchase the car without it. 

Please advise and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AL

Complaint narrative:
This complaint is in reference to the mortgage on my personal home. On XX/XX/XXXX I filed Chapter XXXX Bankruptcy to protect my home and other assets. I completed the case on XX/XX/XXXX after paying XXXX to XXXX and other debtors ( Please see PDF titled XXXX RESPA Response XXXX ). During my bankruptcy, my payments were increased several times and to prevent dismissal I was required to pay over XXXX in three months see image ( XX/XX/XXXX XXXX XXXX ). Upon completion of the bankruptcy case, my mortgage was sold to Rushmore and I was instructed to continue my payments. Rushmore would not allow me to set up auto-draft and when I called to make my payment in XX/XX/XXXX, they refused to take and told me my account had been turned over to the foreclosure department. At that time my bankruptcy attorney XXXX XXXX informed that he had done all he could do and referred me to the XXXX XXXX XXXX XXXX Attorney XXXX XXXX. I have worked with one of Mr. XXXX associates but my home has been placed in the paper for foreclosure twice and is scheduled to be placed in the paper again tomorrow. As an XXXX and community leader, this has caused much humiliation to me and my family. I thought we were on track see ( XXXX and XXXX images XXXX ) to get this matter resolved and I have been saving the payments. I simply want to continue to pay for home ; however, it seems everyone is giving me the runaround. And now, my home is scheduled to run in the paper again tomorrow and a sale date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have had Capital one credit cards for maybe 15 years or more. I have always paid on time never been 30 days late and received at least ten credit cards since getting cards from capital one. I have had numerous increase with all other cards. Capital one hasnt given me an increase no matter how many times I have tried. Within that time and the last time I applied which was in XXXX my credit scores have been at least fair but when I have applied like in XXXX my score which they got was XXXX. The time before this time when I asked for and increase they said to make larger payments and apply again. I did that and they still didnt give me an increase. This time they said I wasnt making high enough payments and I had to many inquiries. I just refinanced and by mistake more then one mortgage companies inquired and capital one inquired also. I received a new credit card after they declined me so that wasnt a problem. Speaking of the other reason why they said they denied me. when they told me to make higher payments I did and when I applied both my credit cards from them had a XXXX balance for a month and still do. I think it was them retaliating because I filled a complaint on them. I know and they feel this agency cant affect them or their business the last time I filed a complaint the person they assigned to investigate had the wrong account and had the wrong information. She told me they didnt have to increase my credit line and thats it. I am sure they have to treat everyone fairly or that is discrimination. I know they cant show me the same circumstances and anyone being denied over these many years with the payment history an the scores I have had being denied. If this is something that I should be filling with the department of labor for discrimination please inform me of that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: NV

Complaint narrative:
Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX XXXX XXXX have Tendered payments thereto XXXX Bank on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX a.m and XXXX a.m and one was made at XXXX p.m. XXXX XX/XX/2019 I received four calls from the same number, XXXX every hour between XXXX a.m. and XXXX p.m. and one at XXXX p.m. It was not until the last phone called I received where a voicemail was left from chase and its card services. When I researched the number online I saw that it was a debt collection number from chase. Why is chase harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of one XXXX XXXX XXXX and XXXX dollars and XXXX XXXX cents? Furthermore it has been [ 37 ] thirty seven days since the debt was paid in full and it has not reflected on my credit score.

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 2019-05-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX XXXX XXXX have Tendered payments thereto XXXX XXXX on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX XXXX.XXXX and XXXX XXXX.XXXX and one was made at XXXX XXXX   On XX/XX/2019 I received four calls from the same number, one every hour between XXXX XXXX.XXXX. and XXXX XXXXXXXXXXXX. and one at XXXX XXXX. It was not until the last phone called I received where a voicemail was left from XXXX and its card services. When I researched the number online I saw that it was a debt collection number from XXXX. Why is XXXX harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of XXXX XXXX XXXX XXXX and XXXX dollars and XXXX XXXX cents? Furthermore, it has been [ 37 ] days since the debt was paid in full and it has yet to reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arbor Professional Solutions, Inc.
State: OH

Complaint narrative:
XXXX Arbor Solutions XXXX XXXX  reported 4 accounts to the credit bureaus without notifying me in writing or giving me the opportunity to dispute the debt. 
I have two insurances and XXXX failed to bill both insurances. I submitted my information to them on several occasions. I contacted promedica and they are finally billing both insurances at this time after they send my account to collections in error. 
I contacted XXXX XXXX credit bureau to tell them this and the representative responded by saying " I am sorry you feel this way ''. I also told them that I never received anything in writing from them and that they were obligated to give me an opportunity to dispute the debt as well as validate it. Their response was they couldn't help it that the United States Postal Service dont reliever mail correctly, which is untrue, they never mailed anything. 
This company reported illegally against my credit file being that they never validated this account or gave me an opportunity to dispute it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: KY

Complaint narrative:
Experian. On XX/XX/2019 received letter claiming that I or someone on my behalf requested a fraud alert on the credit report. I have never made such request. 
Made multiple calls to Experian, either can never reach a live human, or kept getting transferred 5 times, or they simply disconnected the call. Also called someone in " Senior Regulatory Affairs Associate Experian Consumer Affairs '', their line sounds like it is disconnected. In sum, there is no way to reach a human being that knows how to remove such fraud alert.

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 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Got a call from XXXX while I was in the shower, on XX/XX/2019. I returned the call and they INSIST on my credit card information. I didn't give it to them, but was SHOCKED when I finally found out that it was Citibank!!!! I don't and never have banked with them, my phone number has been on the national DO-NOT call list for year 's. 
Citibank has NO business calling people on the DO-NOT call list, on top of DEMANDING credit card information ... Customer service at Citibank was horrible, I gave up. I would like them reported for trying to scam people on the DO-NOT call list!! They are a financial institution, they have NO place phishing!!!!

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 2019-05-07 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

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 2019-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX XXXX XXXX have Tendered payments thereto XXXX XXXX on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX XXXX and XXXX XXXX and one was made at XXXX XXXX. On XX/XX/2019 I received four calls from the same number, one every hour between XXXX XXXX. and XXXX XXXX. and one at XXXX XXXX. It was not until the last phone called I received where a voicemail was left from XXXX and its card services. When I researched the number online I saw that it was a debt collection number from XXXX. Why is XXXX harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of XXXX XXXX XXXX XXXX and XXXX dollars and XXXX XXXX XXXX? Furthermore, it has been [ 37 ] thirty seven days since the debt has been paid in full and it has not reflected 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 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX and Emmett Goodman office have not provided me with the information and documentation I have requested in regards to alleged debt. 
Everything is listed in documents attached as well as in this box. I have placed a freeze on my credit report so that no more unauthorized pulls or fraudulent accounts are added to my file. I am very concerned about the way XXXX XXXX XXXX opened an account and added it to my credit file as if its a new account? Yet only reported it when a summons was delivered on XX/XX/2019. This alleged debt has NOT been validated and still hasn't been. Both XXXX XXXX XXXX and Emmett Goodman 's Office has not furnished me with the documents I need for the hearing. I want this information in writing. Not hearsay or what they say XXXX XXXX XXXX says. Along with the information I am requesting and have a right to see and examine, I also want the entire unredacted file from XXXX XXXX that XXXX XXXX XXXX received electronically and also the physical documents sent to them. I have a right to examine this. XXXX XXXX XXXX and their counsel should be able to produce even basic information to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Numerous phone calls before and after filling of bankruptcy. Harassment and ongoing calls from company.

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 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
*Cavalry Portfolio Violated/failed to respond Texas finance 392.202. 
*Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and IT WASN'T A DISPUTE, Cavalry handled my request as FDCPA DISPUTE. 

# # Complaints, As of today XX/XX/19 1. Cavalry didn't provide the correct validation per Texas Finance code 392.302 2. Didn't remove trade lines from my 3 credit bureau 's reports. 
3. Remark trade lines as DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid my Macy 's credit card on XX/XX/2018 through XXXX XXXX XXXX checking account XXXX, the total amount is {$500.00}. ( attachment 1 ) On XX/XX/2018 XXXX XXXX XXXX told me my checking account had a risk of fraud transaction, and on XX/XX/2018 I closed the checking account XXXX ( attachment 2 ) Macy 's insisted the payment return to my bank during the XX/XX/2018. and asked me to provide bank statement of XX/XX/XXXX.-XX/XX/2018. I talked to XXXX, they tell me they can only provide me the closing document to show Macy 's and it is impossible to receiving any money to a closing checking account. 
Macy 's didn't try to find out a way to find out my money and keep asking me to provide information I couldn't. so here I provide all the evident to approve I didn't receive the money.

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 2019-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
first mark ( telnet ). i have been trying to setup auto debit over the past 3 months, ( i have now called at least twice each month ). but each time i am assured by the CSR after attempting to do it online that it has been setup appropriately, it is still not debiting my bank account. i don't understand why it takes more than 3 months and more than 6 phone calls to get auto debit setup.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I noticed inquires by Wells Fargo on my credit report that I didnt not do.

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 2019-05-07 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: GA

Complaint narrative:
There are two collections on my file from XXXX XXXX XXXX ( Account numbers XXXX and XXXX ) these are from a medical laboratory. I contacted the lab and they agreed that these did not belong to me. They said they would call them back from the collection agency and remove them from my file. This was the first of XXXX. 

I disputed these with all three bureaus and not only did they leave them on my file but they updated them again for an additional month. 

This is a violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation