vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am afraid we have had a breach of our original settlement agreement yesterday.

I am going to file this case for breach of contract, post settlement sanctions, violations of RFDCPA, TCPA, And Cal Penal Code 632.

In short Chase bank called me yesterday using an automated dialing system at XXXX XXXX PST to solicit lower my interest rates on my credit cards to my cell phone number ending in XXXX. My guess is that you will respond with something like Chase has no records of contacting you to which will be met with instant filing in {$25000.00} and under court and no judge is going to fault me for filing this case. Chase called and that is that. 

Can you give me an resolution to this matter or a resolution to litigate? I am drafting my complaint now and will file this by the end of the week should I not hear back. 

Please advise how you wish to handle this. Dismissed case # XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I was contacted by XXXX at XXXX and XXXX XXXX  on A person named XXXX XXXX left what I perceived to be an inaccurate and threatening voice mail about a collection. He said he was from the law offices of XXXX or XXXX. 

I do not have any active collections or court actions to the best of my knowledge and checked my credit report this morning. There were no records of collection or derogatory remarks on my file when I checked via the XXXX XXXX app. 

I believe this is an attempt to reactivate or collect a very old debt and that it is possible that the gentleman who called is engaging in illegal activity to do so. 

I called the number back at XXXX XXXX. The number hung up on me after our exchange. At XXXX XXXX  PST he called me back and said, Your drivers license is suspended until this action is resolved. Good luck taking public transportation to work. 

He also called my mother and made similar threats. He called her on her personal number. 

I texted the number and told him he could not call me anymore and that he had to furnish proof of my debt. 


XXXX XXXX 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 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Business Card was used by a volunteer who was definitely terminated. My business partner disputed the fraudulent activity in its entirety. Discover refused to cooperate with me stating Fraudulent activity was not found. Discover advertises Zero Fraud Liabilitys on their accounts. This false and misleading information is fraudulent in itself and I find it to be criminal that discover does not uphold their word based upon contractual agreement. I spoke with a representative today by the name of XXXX who is going to do an investigation again and she said the 0 % fraud liability is only if Discover finds fraud in my favor. Since this is fraudulent Why are they not honoring the 0 % fraudulent Liability clause thats in the contract. She also notified me that because of the way the account was closed and why would our business pay for something we didnt do that she would not be re-issuing a Discover card after the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
In the last week of XX/XX/2019 Sps Servicing XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX www.spservicing ) acknowledged and received documentation of my representation of legal counsel that my loan XXXX :XXXX XXXX XXXX XXXX NY XXXX was in que to be refinanced with XXXX  XXXX XXXX XXXX XXXX NY XXXX 
As of today XX/XX/XXXX they have not provided the documentation and as of Monday the didn't even have the documentation, I called the settlement agency company and forwarded it to them. Counsel has told me they are looking at 90 - 120 days to confirm this will costing me over 5000 in interest expenses if they even proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have had the XXXX Rewards card for a couple of years now. I constantly use this card and I have never had a late payment. I have tried to increase my limit of {$250.00} for some time now but they refuse. I have been very good to them and it is the least they can do. Card ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: AL

Complaint narrative:
Everyday I receive a phone call from Credit Control on my cell phone ( XXXX ) and on my work phone ( XXXX ). I have told them to stop calling me and mail me whatever it is they think I owe. They are beyond rude and although I have t old them to stop calling me, especially on my work phone, they keep calling. Every single day they call me. It is harassment.

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 2020-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I paid 3 different payments on the student loans in question before they showed delinquent, which kept the account current and now has dropped my credit score by XXXX points and will prevent me from obtaining a loan for buying a home as well as I have started classes, so there should be no credit reporting during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: IL

Complaint narrative:
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

1. Identity Theft XXXX {$7100.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 2. Identity Theft XXXX XXXX XXXX  {$18000.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 3.  Identity Theft XXXX {$1200.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA The following accounts can not be verified and I am requesting that the following accounts be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with credit reporting agency as well as the credit grantor to have these unverifiable accounts removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditors, collection agencies, and acceptor of this letter as defendants. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention within 30 days of your receipt. Thank you for your prompt attention to this matter

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 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
In reviewing my credit report I noticed an account listed from CAVALRY PORTFOLIO SERVICES. However I have no knowledge of this account. My first concern is that I was never notified of this debt, so I immediately go to the company website. When I attempt to login and see what this is about I get an error message saying I need to contact another company. 
Meaning this company no longer has control of the alleged debt : yet it is still reporting. I have received no communication from either place which is alarming to me. 

I am disputing this account. 
This letter is being sent to you in response to an entry made on my Credit Report dated XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

This account needs to be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
This account was sent to Navient. I am the co-signer, the loan is for my granddaughter. 
I have had nothing but trouble with them. 
I followed all their terms but they do not respond and will not provide me with the information and paperwork associated with this account. 
I have contacted my state Senator XXXX XXXX and he provided this contact for me. 
I am totally exasperated with this company. 
I have been dealing with them for several years with no success. 
I would appreciate your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have trasferred {$10000.00} onXX/XX/2020via Wire to XXXX XXXX XXXX  account. Receiving bank has not received the fund while send bank Capital one is telling me they do not have my fund. I have not clue where my fund is and Capital one Bank is not helping me to get fund back. 

I have transferred {$1000.00} via Wire to XXXX XXXX XXXX  with same account. XXXX XXXX  received it next day. 

Here, I have lost {$10000.00} with no way to recoup $ from Capital one after 13 days.. They are telling me to wait another 10 days. If I do not receive response, then $ is lost even though all information provided to them is accurate. 

Not sure what to do here.. It's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
On about XX/XX/XXXX I have a debt with XX/XX/XXXXXXXX that was sent to a debt collection agency ( Carter-Young ). I paid the debt directly to XX/XX/XXXXXXXX in XXXX of XXXX. XX/XX/XXXXXXXX is supposed to have reported it to Carter-Young. Carter-Young said they never received notification from XX/XX/XXXX that the debt was repaid. They kept it on my credit report when I had previously told them that it had been paid. 
I finally got XX/XX/XXXXXXXX to contact Carter-Young and report it as having been paid. 
Carter-Young reported that it was paid in XX/XX/XXXX when it was paid in XX/XX/XXXX. Carter-Young refused to adjust the payment date to the date it was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: TN

Complaint narrative:
On XX/XX/2019 and again XX/XX/2019, I tried to dispute with Equifax under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
Payment made are debited from my bank and posted to my credit card account but the funds are held and not made available for use for as much as 14 days. It appears that the funds not made available are being used by the credit card company for investment or other uses. They are using money that in effect still belongs to the customer until they become available for the customer 's use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
On XXXX XXXX, Ally Financial repossessed my truck, it was a voluntary repo, because they kept extending my payments past the 6 years that we signed for. My truck was suppose to go to auction after XX/XX/2019. At this point we have no idea what has happened to the truck, we did not get any paperwork telling us what the truck sold for or what our balance remaining is. I have contacted Ally several times and they wont give me any information.

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 2020-01-15 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: TX

Complaint narrative:
I had sent letters to the credit bureaus on XX/XX/2019 asking for them to help me with these issues and they refuses to dispute these items properly or even answer to my letters in a proper amount of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt. 
XXXX. Identity Theft SST/PIONEER {$7100.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 2. Identity Theft XXXX XXXX XXXX  {$18000.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the  FCRA 3. Identity Theft XXXX {$1200.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA The following accounts can not be verified and I am requesting that the following accounts be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with credit reporting agency as well as the credit grantor to have these unverifiable accounts removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditors, collection agencies, and acceptor of this letter as defendants. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention within 30 days of your receipt. Thank you for your prompt attention to this matter

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 2020-01-15 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: IL

Complaint narrative:
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

1. Identity Theft XXXX {$7100.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 2. Identity Theft XXXX XXXX XXXX  {$18000.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 3. Identity Theft XXXX {$1200.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA The following accounts can not be verified and I am requesting that the following accounts be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with credit reporting agency as well as the credit grantor to have these unverifiable accounts removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditors, collection agencies, and acceptor of this letter as defendants. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention within 30 days of your receipt. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
My due date was changed from the 25th of the month to the 1st of the month without my knowledge or authorization. This is the second dispute Ive filed. They applied a {$70.00} courtesy deduction from one card but completely disregarded the issue on the card Im talking about. I will attach screen shots of the bills showing the due date change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: IA

Complaint narrative:
I received texts regarding loan offers from different places. I called and was connected with Falcon Funding. They made an offer of {$1000.00}. I did not realize at the time that the payments I agreed to with them would not go to pay any of the loan off. It was not until I received an email reminder of the payment that I would be paying {$300.00} twice a month and none of that is going towards the loan. I have other high interest loans but have never had one where I am paying {$600.00} a month and none of that going towards the loan. 
I signed the papers with Falcon Funding on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had sent letters to the credit bureaus on XX/XX/2019 asking for them to help me with these issues and they refuses to dispute these items properly or even answer to my letters in a proper amount of time.

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