vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-02 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On or about XX/XX/XXXX I sent validation of debt requests to XXXX XXXX ( 2 XXXX accounts ), XXXX XXXX XXXX ( XXXX   account ) and Diversified Consultants ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. XXXX, XXXX and Diversified sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. XXXX, XXXX and Diversified continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore XXXX XXXX is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Submitted request for all 3 free annual credit reports in October, 2018.  Promptly received 2 of 3 reports, did NOT receive the report from Equifax. 
This same issue occurred in XX/XX/XXXX and was resolved after reporting this to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2018 I received a credit card in the mail from Chase Bank with an {$11000.00} limit. I immediately called Chase to explain I did not apply for any credit card and this account needs to be immediately cancelled. Upon giving the agent the card number I was confronted with the question " what is your password and your mother 's maiden name? '' Since I did not have an account, there was no password and what did my mother 's maiden name have to do with anything? Eventually this agent transferred me to a fraud agent, But before doing so mentioned to another agent that " she forgot she applied for a card. '' I was then transferred to XXXX XXXX who described herself as a fraud officer. She then continued with the questions instead of assurances of a closed account. One of the questions was what is my address, I countered with she already had that information. Eventually she did tell me the account was closed, but did tell me the card was " compromised. '' I asked for more detail, but she was not forthcoming with any information. She explained that I would receive information in the mail and gave me the assignment of calling XXXX to report a fraud. The entire call process took about 30 minutes. An unwanted credit card phone call should not take that long. 

The Truth in Lending Act states " no credit card shall be issued except in response to a request or application. '' I can assure you that I have not applied for any credit card. My only interaction with Chase Bank was to close my brother 's Chase account in XXXX after his passing and cancel his credit/debit card. I would hope that the report of a death in the family to Chase is not considered an application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have a loan with TOYOTA MOTOR CREDIT CO XXXX Balance {$14000.00}. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MOTOR CREDIT CO with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I spoke with a member from HUD. She provided me with a deeper insight on what has been going on with Chase and my mortgage. I informed her of all the background including the trial payment plan that I completed back in XXXX, Chase informing me that I need to get 3 payments behind before they can help me, and the false loan modification approval they gave me a few years back. Her response shocked me. Chase told me that HUD placed a terminal denial on my file and that it is was not done by Chase. Unfortunately, this statement by Chase is a complete lie. According to HUD, Chase was not servicing the loan properly according to HUD guidelines and because of that, HUD was not going to give Chase any money for a claim on my property at XXXX XXXX XXXX XXXX XXXX GA XXXX. Therefore, because of that, Chase decided they will not help me out in any regard. This is unfair to me. I done what was required of me by Chase. When I called, I was told so many different things including reapply when my situation changes. I never heard anything different until a few weeks ago where Chase said in XXXX a terminal denial was placed on my account. But if that is the case, they why did they process my loan application in early XXXX. It is apparent that Chase has goofed again, and now they are trying to throw me under the bus again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been having an ongoing issue with Transunion and not being able to access my credit report to complete Disputes online since XX/XX/2018. I have notified them of the issue via Telephone, customer service, and web support on multiple occasions. There has been no resolve. The advised that they created a ticket. The issue is not a login issue as I can login and I have a screenshot to prove it. I can login but I see system error and that they are experiencing technical difficulties after logging in. 

There is also an duplicate closed account that is reporting that needs to be deleted from The XXXX XXXX XXXX as I only have one current and open account. The closed account needs to be deleted

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 2018-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Have received 28 calls from callers identifying as American Express from XX/XX/XXXX-XX/XX/XXXX. The 28 calls are from 12 different numbers with CIDs " American Express '' and AMERICANEXPRES '' as well as " Private Caller '' and " Out of area ''. 

Only one of theses calls actually left a recorded message ; CID " TOLL FREE CALL '' XXXX on XX/XX/2018 at XXXX ; " This is American Express ..., this is not a telemarketing, ... talk to you about an important matter, call back on XXXX, M-F XXXX, Sat XXXX, Sun XXXX ''. Never any mention of who was being called or what the important matter was. 

I am not an American Express cardholder so I called the official website Customer Service number at XXXX on seven ( 7 ) different times ; XX/XX/2018 ( talked to XXXX in XXXX ),  XX/XX/2018 ( talked to XXXX and XXXX in XXXX XXXX ), XX/XX/2018 ( talked to XXXX in XXXX and XXXX in XXXX on the " Credit Team '' ), XX/XX/2018 again ( talked to XXXX and XXXX in XXXX ), XX/XX/2018 ( talked to XXXX in XXXX FL ), XX/XX/2018 ( talked to XXXX in XXXX ), and XX/XX/2018 ( talked to XXXX and XXXX in Security/ID Fraud in XXXX ). 
Each time the Customer Service Rep assured me that ( 1 ) I was not an American Express cardholder ( no active card ), ( 2 ) no one was attempting to open a card in my name, and ( 3 ) there were no late or delinquent payments notices. 

I requested that since I was not an American Express cardholder they should remove my number from any lists in American Express, marketing or otherwise. That request has not been granted. 

We are all warned ( even from the Federal Government ) not to answer calls if we do not know who they are from and/or not to give out personal information to strangers calling ( possible scammers or crooks ). We are instructed to call the number on the back of the card. However, if we don't have a card then the only legitimate number is one listed for Customer Service on the company website. That is what I did but have not received a satisfactory resolution to my complaint from American Express. 

More details included with attachment to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Payments Check Services, Inc.
State: AL

Complaint narrative:
XXXX credit reporting is reporting erroneous information after disputing them, they will not remove an closed account that's paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
XXXX credit reporting is reporting erroneous information after disputing them, they will not remove an closed account that's paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: AES/PHEAA
State: TX

Complaint narrative:
XXXX has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX   have both completed their research and determined that XXXX   XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account NAVIENT XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NAVIENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AK

Complaint narrative:
I have made extra payments to my mortgage regularly. In XXXX, XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. Since I have not yet made an extra payment with Carrington, I called last week to ask them how to make an extra payment and have it applied to the principal. They told me to go online and select " additional payment, '' and it would automatically be applied to the principal. I did, and my extra payment was applied mostly as a monthly prepayment, with only {$46.00} going to the principal. There are already thousands of complaints posted against Carrington for finding creative ways to make sure your extra payments don't go towards the principal. Why hasn't this company been shut down????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have applied for XXXX/XXXX Visa and every time I apply they decline because 1 ) Unable to find credit file 2 ) Unable to verify identity. In fact I have received Unable to verify identification XXXX   months in a row. My Name, Fraud Alert Number, Address, all match.

This is the game they play with someone who has a Fraud Alert on your Credit Report ( Your basically treated like a criminal ). You fill out application all information matching credit bureaus and number also matching they ask that I call to process further processes application and eventually transfer me to the Fraud Department. They advise that I will receive a letter and it requestes to call XXXX to further process the application and they transfer me to the Fraud Department again I I hear wait for a letter once I get letter XXXX/XXXX XXXX XXXX XXXX too.

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 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi, During the months XXXX, XXXX and XX/XX/2015, I experienced severe financial hardship and was unable to pay my credit card. I had been paying on time as seen in the attachment from my credit report. I was using this secured credit card to build my credit. When I had the opportunity of making a payment it was too late for Capital One as they canceled my credit card and applied the security deposit to cover what I owed them at the time. 

I have since opened another secured credit card with XXXX and they returned me the deposit after some months as I was paying on time. I hadn't missed a single payment on my credit report before the three missed payments with Capital One and I haven't missed a payment since then as well. I am writing this complaint because I have become a responsible individual but these missed payments affect my credit score still in a significant way. I have made several complaints for them to help me with dropping those from my credit report but have always received a negative response, that is why I'm looking for help with CFPB. 

Thank you for your reponse XXXX XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
In XX/XX/XXXX I received a letter from Statebridge Company ( Lender ) requesting proof of property insurance for my home located at XXXX XXXX XXXX XXXX XXXX, Florida XXXX - Loan Number XXXX. On XX/XX/XXXX I sent proof of insurance for said property, via fax, to the fax number provided by the lender ( XXXX ) Fax receipt shows successful transmission of 3 pages at XXXX and XXXX on XX/XX/XXXX.My home is and has always been insured under a group policy for the XXXX XXXX XXXX XXXX . XXXX through Insurance provider XXXX XXXX XXXX XXXX Policy Number : XXXX. 

Statebridge Company sent me my Mortgage Statement ( payment request ) for XX/XX/XXXX on XX/XX/XXXX, one day before the due date. The current mortgage statement shows an increase in monthly payment amount by 33 %. The statement shows an assessment for Forced Placed Insurance when there has never been a necessity, AT ANY TIME, for such insurance. Statebridge has also deposited my XX/XX/XXXX payment but has not credited said payment toward my account, claiming the payment is underfunded. This has caused Statebridge to impose late fees on my account.

I have researched this behavior by Statebridge Company and have found numerous complaints for such. This can not be considered a " error '' as the company 's history clearly indicates this to be a deliberate act of fraud and extortion.

I have, apparently, been assessed for property insurance that was and has been unnecessary. It appears this " Forced Placed Insurance '' scam is still alive and well within Statebridge Company 's practices.

I have copies of Insurance coverage ( past and present ) and fax receipts to prove my case. 

I look forward to the assistance of the CFPB in stopping this abuse. 


Very Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: PA

Complaint narrative:
Since XXXX, I have been contacting Equifax about inquiries onmy report that I did not make without success. I last wrote on XX/XX/XXXX, yet another letter disputing wrong information on my credit and they have not responded. 
My inquiries that I am aware should all be from XXXX when I was working on my credit. I never made further credit applications resulting in authorized inquiries. 
The following inquiries are reporting on my credit reports and negatively impacting me as these were not authorized by me : XXXX/XXXX made in XX/XX/XXXX XXXX XXXX is being reported up to 3 times within XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
On XXXX XX/XX/XXXX i sent a letter to the University of XXXX XXXX to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance for {$100.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The  University of XXXX  XXXX did in fact cash my check, and I have documents to prove it. They did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections ot cancel any collections attempts. Below is what was in the letter i sent Notice of Dispute and Settlement Dear XXXX XXXX I, XXXX XXXX, disputing the entire balance on any accounts numbers, with date of service from XX/XX/XXXX to XX/XX/XXXX. However, attached is a check made payable to your company settling any balances currently showing in my account from XX/XX/XXXX until XX/XX/XXXX. 
By Cashing the check attached to this letter ( check # XXXX from XXXX XXXX with memo on the bottom : For Balances payoff ), you are agreeing to settle any balances and will refrain from sending my account to any collection agencies or will cancel any collections attempts if you did already send my account to collection. 

If you do not agree to the amount on the check ( {$100.00} ) as a final balance for any services received during the dates stated above, please feel free to return the check, send my account to collection and file a lawsuit. I will be happy to explain my case before a judge. 
Again, Im still disputing any balance forwarded to any collection accounts or any balance you currently have in my account. 

Thank you XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 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: AES/PHEAA
State: GA

Complaint narrative:
As a client I now have legal rights that are granted to me to secure me from mis-information being accounted on my own credit report. At this time I need to make a final petition for investigation before I visit my attorney for information on how to handle inaccurate and unverifiable things that are ongoing to be confirmed as real.

Company response to consumer: Closed with non-monetary relief