vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I lost my phone and wallet. I kept a lot of notes in my phone such as emails and passwords. Inside my wallet I had my license, passport, cash and credit cards. On XX/XX/XXXX there was a fraudulent wire transfer from my chase bank in the amount {$6100.00} dollars and another fraudulent wire transfer occurred the very next day on XX/XX/XXXX in the amount of {$9900.00} dollars from the same bank. I ended up going to the bank XX/XX/XXXX because I needed some cash and thats when I found out my account was a negative XXXX  dollar balance. I immediately spoke to XXXX  and we disputed these 2 fraudulent wires right away and filled out a affidavit and faxed It to chase claims department that same day. Two weeks later I get a letter stating the claim is closed and chase   cant help me. I immediately called the phone number on the piece of paper and spoke to XXXX in the fraud department and she spoke to someone in the claims department and they opened The dispute back up, two weeks later they closed it again. I called chase claims department this time and they told me there is nothing that they can do and they are not responsible for the loss of my funds even if its fraudulent. I even spoke to a manager or so they told me and she said the same thing they arent responsible for fraud transactions. I think this is ridiculous because I feel as a chase customer they didnt do anything to dispute this matter they closed It so fast and didnt look into anything for me and try to see where the money went and who got it. This is very bad business in my opinion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-09 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: Senex Services Corp.
State: OH

Complaint narrative:
I have {$5900.00} on my credit report from SENEX I have '' NO CONTRACTS '' with this organization. I have contacted the 3 credit bureaus in the past as well as this SENEX place. This information has been affecting my credit report as half my total current credit. I am XXXX and on a fixed income so I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2018 I contacted Experian with regard to a paid off account. Instead of updating the account as paid in full. Experian delated the account & the positive history of the account

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 2018-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I do know what collection this is reference too. I was never notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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 am exhausted in regards to the accounts that are not associated with me, I have filed an identity theft report and have faxed over to all three credit bureaus. I have contacted XXXX, Equifax, and XXXX XXXX via phone, fax and certified mail and haven't had any luck in getting anything resolved. I'm trying to buy a home and these accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my accounts where tied to my name which I have not opened : XXXX XXXX in the amount of {$470.00}, XXXX XXXX in the amount of {$670.00}, XXXX XXXX XXXX in the amount of {$590.00}, XXXX XXXX XXXX in the amount of {$750.00}, XXXX XXXX XXXX XXXX  in the amount of {$600.00}, XXXX XXXX XXXX  in the amount {$390.00}, XXXX in the amount of {$86.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09 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: TX

Complaint narrative:
I am exhausted in regards to the accounts that are not associated with me, I have filed an identity theft report and have faxed over to all three credit bureaus. I have contacted Eperian, XXXX, and XXXX XXXX  via phone, fax and certified mail and haven't had any luck in getting anything resolved. I'm trying to buy a home and these accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my accounts where tied to my name which I have not opened : XXXX XXXX in the amount of {$470.00}, XXXX XXXX in the amount of {$670.00}, XXXX XXXX XXXX in the amount of {$590.00}, XXXX XXXX XXXX in the amount of {$750.00}, XXXX XXXX XXXX XXXX in the amount of {$600.00}, XXXX XXXX XXXX  in the amount {$390.00}, XXXX in the amount of {$86.00}.

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 2018-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
I have been trying to get XXXX XXXX XXXX to respond to my requests to validate the date since XX/XX/XXXX. Here are the many violations : 1. I never received ANY calls from XXXX 2. I never received a Dunning letter 3. I found this account while revieiwing my reports on XXXX XXXX 4. I sent a letter via regular USPS on XX/XX/XXXX asking for verification- no response 5. I disputed with the credit bureaus and they all said the debt was verified.

6. XX/XX/XXXX I sent a certified letter to XXXX trying to info on this account XXXX. NO RESPONSE 7. I sent the no response and proof of delivery to the credit bureaus to get the account removed per the FCRA, they responded the account came back " verified '' 8. I sent certified letter AGAIN to XXXX XX/XX/XXXX XXXX NO RESPONSE 9. I again sent ALL letters with Proof of delivery to XXXX and XXXX on XX/XX/XXXX to remove XXXX because they have not responded. To date, no response 10. the account was never marked " disputed '' on my credit report which is a FDCPA violation.

11. XXXX keeps changing the amount owed that they are submitting to the credit bureau. In XX/XX/XXXX they reported XXXX, today they are reporting {$75.00} and {$370.00} for the EXACT SAME ACCOUNT. This is a clear violation!

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 2018-06-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: MO

Complaint narrative:
A property I owned was sold using eminent domain. The sales contract was put in on XX/XX/XXXX. The entire process was handled through court. During these proceedings the owner ( XXXX XXXX XXXX XXXX XXXX ) of the mortgage was identified on XX/XX/XXXX and the total amount due was determined ( {$49000.00} ). On XX/XX/XXXXthose funds were distributed through the court to the XXXX XXXX XXXX XXXX XXXX.

I continued to receive statements from Real Time Resolutions and they continue to report negatively to the credit report agencies. Real Time Resolutions ( a third party debt collector ) stated I still had a balance of approximately {$32000.00} and increasing, currently {$33000.00}. In XX/XX/XXXX, I called Real Time Resolutions to dispute the account stating that the account had in fact been paid in full. On XX/XX/XXXX. I received a letter stating they received a payment in XX/XX/XXXX but that a balance was still due. I disputed a second time and received a letter stating there would not being any further investigation as it was already investigated.

I have since found court documents confirming my claim and submitted those to the credit agencies and Real Time Resolutions. It has since been removed from XXXX, however it is still being reported to XXXX and it is affecting my ability to secure a home loan I am set to close on in the upcoming weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TN

Complaint narrative:
A few years ago someone used my identity and opened a college/student account. I have been out of college for almost twenty years now. So, whenever I apply for a card with Discover I am getting denied.

See below.

XXXX Dear XXXX XXXX XXXX XXXX, Thanks for your interest in Discover. Unfortunately, at this time we are not able to approve your application for a Discover it Chrome Secured credit card due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT Although we are not able to approve your application, you can find helpful financial tips, easily keep track of your FICO Credit Score for free, and learn more about what affects your credit at Discover.com/Credit-Scorecard.

Sincerely, Discover Credit Operations Team XXXX This is unfair given that I have never had Discover card before. I think that I am being treated unfair and the new account should be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX appeared on my credit report with XXXX and XXXX stating that I owe a payday company by the name of XXXX XXXX. The collection was placed on filed XX/XX/2018. I have contacted the company directly, and there is no loan taken out. They are not sure of why its on my credit report. I called XXXX   which is the number that shows on the report through XXXX XXXX for Midwest, and you get nothing but a recording then silence. I researched the company as well and this is a scam. It seems to be going around with the users of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
XX/XX/XXXX- requested a payment due date change. Never responded to my request.XX/XX/XXXX- Told me I had to go 30 days late before they would assist me with payments. Called 1 day after due date and was told that was not policy and they would have helped before then. I requested the late payment be removed from credit report and they said they would have manager call. Toyota called 1 time and I called back. No one returned my call. I attempted 5 more times with no one helping or returning my calls. Was told they could listen to the original recorded call and correct my report if that was said. Will not call me back.XX/XX/XXXX requested statements from XX/XX/XXXX and XX/XX/XXXX. I believe the due date was incorrect 1 month. Ignored my request.

XX/XX/XXXX attempted to make a payment at XXXX on XX/XX/XXXX for a loan thats due XX/XX/XXXX. Website now says will not accept weekend payments. I have made many prior weekend payments without issues. System changed my date to XX/XX/XXXX and now will be late. No noticed was ever given they no longer accepted weekend payments.

XX/XX/XXXX- found my husbands ex-wifes parents phone number on my account. I googled the number and they came up. They are obviously calling people that have NOTHING to do with this account. Where and how did they get it??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I have tried to have this issue remedied previously but Portfolio Recovery Associates still has not removed their account from my credit. After I submitted complaints and disputes about them appearing as a factoring company and reporting a collection account as an open and past due account they have since increased the balance they show I owed. They have added on extra fees to my balance they claim I owe and they are not allowed by law to increase the balance of an account that was from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX  appeared on my credit report with XXXX  and XXXX stating that I owe a payday company by the name of Easy Money. The collection was placed on filed XX/XX/2018. I have contacted the company directly, and there is no loan taken out. They are not sure of why its on my credit report. I called XXXX   which is the number that shows on the report through XXXX XXXX  for XXXX, and you get nothing but a recording then silence. I researched the company as well and this is a scam. It seems to be going around with the users of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: SC

Complaint narrative:
I have reported some accounts to Equifax that are not mine and they have not removed this information from my credit report yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: KEYCORP
State: CT

Complaint narrative:
Key Bank They love to charge overdraft fees. 
They charge me to they should not have charged. I called in and they did not credit me for them. They are very dishonest bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
Enhanced Recovery Company shows on my credit reports with original creditor XXXX XXXX XXXX  opened XX/XX/2016in amount of {$510.00} While I recognize XXXX XXXX XXXX  I have no knowledge of Enhanced have never had any business with this company. Have never received any communication from either in regards to this alleged debt. The last 4-5 years I have been on someone else 's account with XXXX and XXXX. This is either a mistake or fraud and from all the complaints on XXXX XXXX, # 3 most complaints on CFPB 252 % increase in complaints from one year to next average of 193 a month. Some 13,800 results on XXXX  related to lawsuits I would tend toward fraud. I would have to ask at just what point do these companies get shut down and put in prison?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/2017 we tried to refinance our home with the student loan and 5/3rd home equity. We weren't able to because 5/3 reported that our home was in foreclosure. I tried several time to contact someone to help me. Final after being on hold for 3 hours and transferred to 15 different people. I finally got someone to talk to me. 5/3rd admitted my credit report was incorrect and sent me a letter. Then I started the refinance process again and was on hold with XXXX trying to prove what the letter said from 5/3rd bank was correct. I finally got the re-finance to got thru. I have a statement stating that I owe {$26000.00} and 5/3rd bank says the pay off balance is {$31000.00}. Once again i'm on hold with the bank for about 2.5 hours with no resolutions and no reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I Have Disputed Bank Of America To send me a payment History. I have also contacted XXXX  Asking then to show payment history when the payments where made and Dates. I have had 2 other mortgage company 's and credit cards that post my payment history. I contacted XXXX they told me that the history is correct and showing on there end.

but it is not showing on my report that they sent me or online. I have ask them to remove this account and XXXX say it is accurate.

Thanks 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 non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have tried to have this issue remedied previously but XXXX XXXX XXXX   still has not removed their account from my credit. After I submitted complaints and disputes about them appearing as a factoring company and reporting a collection account as an open and past due account they have since increased the balance they show I owed. They have added on extra fees to my balance they claim I owe and they are not allowed by law to increase the balance of an account that was from the original creditor.

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 2018-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
DEBT COLLECTOR IS NOT THE REAL PARTY IN INTEREST I DONT HAVE A DUTY TO PAY THIS PARTY I NEVER RECIEVED ANY BENEFIT FROM THIS PARTY I DONT HAVE A CONTRQACT WITH THIS OPARTY FOR THE COLLECTION OF THIS DEBT THIS IS A STALE DEBT OLDER THAN 4 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My private loan was serviced through Navient Loans. My payments were taken through automatic debit. On XX/XX/XXXX, I received a letter, which stated that I owed {$66000.00} -- this was fine and what I expected. I continued making payments that month. However, on XX/XX/XXXXafter a payment had been made, I was informed ( erroneously ) that I owed {$71000.00}.

When I inquired why my loan amount had been increased by {$4300.00}, I was told in a letter that Navient was told by my school that I was not an actual student during my noted years in school. When I corrected this by providing documentation that I was a student, I did not and continue to not receive any restitution from Navient. There are multiple issues in this case where Navient has acted fraudulently : 1. I never received any documentation from Navient regarding this increase in my unpaid principle. If I had not been monitoring my monthly payments, I would have never known about this increase.

2. Navient has retroactively increased my principle on their website. i.e. all numbers from the XX/XX/XXXX and before reflect this increased principle amount of approx {$4300.00}. If I did not have these pdf letters given as monthly statements, their website actually makes it appear that I have always owed an extra {$4300.00}.

3. Their claim that the amount was increased because my school claimed that I was not a student during this time and had " withdrew '' has already been debunked through documentation. This claim is fraudulent, the school denies it, so the claim was designed to fraudulently increase the loan amount. In addition, after being caught in their lie, even through numerous inquiries ( approx 2 months worth of waiting for their " internal review '' ), Navient has refused to address the simple solution ( pay me back this amount that they defrauded from me ) and instead has let this fester in their own internal process.

Company response to consumer: Closed with explanation