vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I was contacted by Credit Collections Services on XX/XX/19 in reference to an attempt to collect a debt owed to XXXX XXXX in the amount of XXXX. In response to this letter I set up a payment plan breaking the above amount in to three payments to be paid via check with the first payment to received by XX/XX/19. I received an official letter from this company confirming the agreed payment plan in the mail dated for XX/XX/19. I mailed a check to credit collections solutions via priority mail on XX/XX/19 made out to XXXX XXXX, which is 9 days prior to the due date. I received a letter from credit collections services on XX/XX/19 stating that they have not received a payment as of XX/XX/19, and that they are canceling my payment plan. However in the same letter received on XX/XX/19 it clearly shows that the debt owed has reduced from XXXX to XXXX, which clearly proves that they did receive a payment. There would be no reason for me to make another payment until XX/XX/19 based on the payment agreement made with Credit Collection Services. Upon talking to one of their representatives on XX/XX/19, she insinuated that this is the companies standard practice, to send letters out to people stating that payment arrangements are being canceled even though they are actually adhering to the agreed payment plan. This person I spoke to on the phone was able to verify that they received a payment so there was no reason for this letter. Last but definitely not least, this company reported this false information on my credit report stating that they have not received a payment for XXXX when in fact per our payment agreement a payment would not be due until XX/XX/19. I find this very unprofessional and a form of retaliation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax Mortgage Solutions, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ conducted a Hard Inquiry into my credit report on or about XX/XX/2018. I have no knowledge of who this company is and what's the nature of their business, but more importantly, I did not requested and or authorized them to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | DOB : XX/XX/XXXX To Whom It May Concern, I am writing to you in reference to the following unverified inquiries to my credit : XXXX  Sales Financing XX/XX/XXXX XXXX   XXXX XXXX Jewelry/Cameras XX/XX/XXXX XXXX  XXXX/XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX  Bank Credit Cards XX/XX/XXXX XXXX  XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX   XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX   XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX   XXXX Wireless Telephone Service Providers XX/XX/XXXX XXXX   XXXX Tenant Screeners XX/XX/XXXX XXXX XXXX  XXXX  Bank Credit Cards XX/XX/XXXX XXXX  I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit. 

I have enclosed copies of my requests to these companies, asking them to prove any authorization or permission was given to check my credit. These companies have not demonstrated any permissible purpose, and are NOT allowed to be checking my credit. I'm not even sure if they DID check my credit, because they have not demonstrated that they possess any record of me on file. The error may in fact be a clerical error on YOUR part, in which case I demand that you investigate these inquiries immediately. In any event, you are in violation of the FCRA by reporting this information on my credit report. 

Furthermore, the FCRA requires you to verify these inquiries within 30 days of my request. If the validity can not be verified, you are obligated by law to remove them. There is a clear case of unverified inquiries, and I urge you to remove these inquiries from my credit report before I am forced to take legal action. 

In the event that you can not verify these pursuant to the FCRA, and you continue to list the disputed items on my credit report, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX was suppose to close my account in XXXX but somehow did not do it. I had not used the account for over 10 years and also moved out of XXXX  in XXXX to XXXX. Not knowing that a company out of the blue added a charge onto my card that was supposed to have been closed years ago without my approval. I only found out because my FICA score had dropped from XXXX to XXXX. I reported it to XXXX XXXX and they supposedly did their investigation for a total of XXXX dollars. They said it was mine even though I had not used this card that was supposed to have been closed 10 years ago. It was resolved in XXXX but than they reported it again to Experian and lowered my FICA score again. I keep telling them this is not my charge, I did not authorize it and I haven't done business with you in over 10 years. So they've lowered my score over XXXX dollars that I had no idea was happening because I did not get any emails or paper mail from XXXX XXXX. I want my FICA scored corrected and XXXX XXXX out of my life forever. 
Its been so long since I've done business with XXXX XXXX I have not credit card numbers, receipts, or any other documentation from them.

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 2019-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Chrysler Capital has been taking my payments and applying them to the interest on the loan and very little -- if any -- has been applied to the principal of the loan. Additionally, over my objection and repeated complain to management, they took a few of my payments -- two to be exact -- and applied them to a repossession fees, which has offset my payment and has creates an impression of late and or missed payments. This action further damages my credit score as late and or missed payments are repeatedly reported to the credit bureau by Chrysler. 
Overall, it appears to me that Chrysler Capital is making a willful and deliberate attempt to undermine my credit score by their unscrupulous practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: NY

Complaint narrative:
XXXX XXXX XXXX did indeed take a advance on my discover card i have left messages on the companies answer machine have talked to customer service at discover sent them emails i froze my account i still dont know what happened customer service i get someone different all the time i know i can have the owner arrested i get social secuity i am semi retired when will congress fix our bank what about my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received an email from a credit monitoring company asking me if I had closed my JPM HL account which is my Chase Bank Home Loan account. I received this email on XX/XX/XXXX. Unaware of the situation, I logged into my chase.com account and saw that Chase Bank had " Service Transfer '' dated XX/XX/XXXX under my home loan tab. Chase Bank has yet to notify me of my new lender they so hastily sold my home loan to and they messed up my escrow account in this process as well. Instead of refunding me the extra money in my escrow after paying off my taxes that were due in XX/XX/XXXX, Chase Bank applied the extra escrow money to my principal which is not what was outlined in our contract. I, the consumer, should have been refunded the remaining amount of my escrow so I could continue to pay for my home owners insurance since Chase Bank is no longer obligated. Now that money is paid into the total balance of my home loan and I have to come up with the large sum of money for my homeowners insurance company. Chase Bank is also cutting this timeline close to my mortgage payment due date and I might not have time to setup my account with the new lender before the mortgage payment is due, because of Chase Banks poor timing decision. I know for a fact that I am not going to get the paperwork regarding the new lender and other necessary information beyond the 15 day limitation. I have never been a day late or a penny short for all of the time I have had this home loan with Chase Bank. I have no idea who my new lender is, what the expectations are or anything of the sort. Its almost XXXX and they are supposedly sending the new documentation by postal service instead of an email. Electronic mail is the same as mail in its concept and should be utilized in these circumstances so consumers are not left in the dark for span of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I have communicated with Diversified Consultants several times regarding a bill I may owe to XXXX from several years ago. I have asked them numerous times to send me documentation about this bill and all they keep telling me is it was already sent out. I need to see this bill. I did have XXXX years ago, and thought there wasn't anything owed. After initially speaking with them thought about it I wanted docs showing where I owe it. All I would like is Documentation on this bill and for some reason can not get it. 
And on top of that, they listed my open date as XX/XX/2018 which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Home Finance LLC, as a mortgage broker, issued a mortgage loan ( loan # XXXX ) using my identity information in 2007. The last 4 digit of my social are XXXX. 

The loan addresses the broker to be as Chase Home Finance LLC, XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX Please provide me the information of the loan that you may have had about the loan, since it's origination up until disposition as o today, so that I can assess and recover any kind of damage it may have caused. 
Thanks. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: NJ

Complaint narrative:
I have had a credit freeze on my Experian credit file since 2007 because I was a fraud victim. I received a letter about a year and half ago that stated my name was among many where my information was some how may have been exposed and I was to enroll with XXXX. I was contacted by XXXX that the monitoring had stop and XXXX by Experian was taking over. It did not matter to me because I had an actually credit freeze on my account for over ten year. XXXX cancled the credit monitoring and remove the credit freeze completely without me requesting them to do so. All three of my credits reports are on credit freeze for the last 10 years. I have to pay to get my credit reports unlock for a certain period of time. Now, Experian is demanding money for a credit freeze that I should not be paying for since I was a fraud victim. They had no right and nor did I give them permission to take the credit freeze off. If someone steals my information, they need to pay for this because this is just wrong.

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 2019-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I reached out to Navient on XX/XX/2019 to resolve my student loan and was told it would be in my benefit to pay XXXX $ a month for 9 months to get my student loan out of default in which I did, I spoke with Navient in XX/XX/XXXX I believe and they told me I was to pay one more payment of XXXX $ and my student loan would be out of default, and the student loan is or was out of default, now looking at my XXXX credit report it is showing that there are 19 missed payments which is not true. I have been scammed and would like to press this issue that I have been taken advantage of and Navient has participated against me fraudulently. They took my entire tax refund for 2019 after they said that wouldnt happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
capital one gives me my first credit card [ XXXX2019 ] I make a payment {$4000.00} on a {$300.00} limit, credit card. I didnt know anything about what could happen if you overpay your credit card. I found out. [ XXXX2019 ] I am told my account had a 9 day hold on the payment [ XXXX2019 ] I am told I would be issued a check in the amount of the remaining credit balance. 

9 days pass and still no issuance of check. 
[ XXXX2019 ] send in documents, my social, ID, etc. 

Capital one will not CLOSE my account and issue my check out, due to them RESTRICTING my account after I had asked to close it. 

Says my account cant be closed. My check can not be sent out. WHAT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Last year I had two accounts that were closed for no reason by Commenity Bank one XXXX XXXX  the second card was a XXXX  MC both cards were always paid on time and I never understood why they closed the accounts my credit report was excellent and I filed a complaint with CFPB. Now any time I apply they have chosen to decline applications by retaliation. The decline are frivolous and I think CFPB needs to come down hard on this bank abuse of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Further to my complaint early in 2019 ( complaint number XXXX ), Synchrony Bank has reopened my Amazon card without my knowledge or consent this month. I received an email this morning asking me to link the card to my Amazon account. 

When I logged into the site to make sure my account was closed, the account has now been reopened. 

There is a XXXX balance on the card, so I am not owed any money by Synchrony. However, I wish to report fraudulent opening of an account which I had requested be closed and which they had closed in XX/XX/2019 after their having to respond to my complaint to the CFPB. 

I'd like to report this as fraud. They had neither my knowledge or consent to reopen that account. I'd never have known it was reopened if they hadn't reached out to me to ask me if I wanted to link it to my Amazon 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 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint narrative:
Per Experian Email for my free credit report : Experian Membership ID # XXXX Member Sign In XXXX, review your credit report & FICO Score Your credit report and score are now ready. Its important to regularly review this info to check for any early signs of identity theft. Plus, itll help you stay aware of where you stand today. 
Review now >> And pressing the review now : usa.experian.com - Access Denied Error code 16 This request was blocked by the security rules XX/XX/2019 XXXX UTC Your IPXXXX |Proxy IPXXXX ( ID XXXX ) Incident ID : XXXX +++++++++++++++++++++++++++++++++++++++++++++++++++++++ Experian security denies me my free credit report - I have asked for it twice and submitted complaints that it was never mailed. 
Attempting to suggest i could have internet access to get my report is Fraud and law enforcement should be called. 
Experian discriminated against my XXXX IP number - there is no way for internat access. 
In fact, I can NOT even change my password. Leaving another security violation. 
Experian owes my a free credit report- my Mail only - since they have excluded me from their internet access. 
I have requested this since XX/XX/XXXX - where is it? Experian continues to break federal law and should be punished.

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 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Data Corporation
State: NY

Complaint narrative:
I owed XXXX some money then I filed bankruptcy. The debt was included in my case and was discharged. Even knowing the debt was discharged XXXX blocked my account and still asking me to pay the money. Can I file a lawsuit against them?

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 2019-12-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I called and agreed to a repayment plan for my XX/XX/2019 payment on XX/XX/2019. My XXXX mortgage payment was to be spread over the next 3 months with the current month 's payment. I followed all the instructions given to me, including signing the repayment plan document and returning it to XXXX on XX/XX/2019. I also set up automated payments to ensure that I am never late to pay the current monthly and payment plan payments. I have been reported as 30 days late to all XXXX major credit bureaus and I was told by the representative who set up the repayment plan, this would not occur due to the repayment plan activation. The required payment plan documents were signed and returned to XXXX on XX/XX/2019. The agreement stated to have the document signed and received by XXXX before XX/XX/2019, and according to the XXXX Customer Service team, the signed documents were received on XX/XX/2019. A Week later, I had to call to verify that the documents were received and ask that the payment plan be updated to reflect my new mortgage payment amount from the new escrow analysis I received. My mortgage payment was lowered beginning XX/XX/2019 due to the escrow analysis, therefore the payment amounts listed on the payment plan had to be adjusted to reflect lower amount. I spoke with a representative from XXXX regarding the update payment plan amounts and they also ensured me Id be in no danger of a 30 days late or negative remark being placed on my credit reports. I received a 30 days late remark on XX/XX/2019 on all 3 of my credit reports. I called and spoke with the XXXX Customer service team yet again, and they instructed me to email my concerns to XXXX, to have this issue corrected. I have emailed XXXX 2 times and I have not received a response.

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