vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
My spouse and I both have Chase Auto Credit loans. My loan was financed about 4 1/2 years ago and my husband recently financed a XXXX XXXX XXXX. We also have two Chase credit cards. When the auto loan was funded, Chase immediately linked it to his other account. So, I went in to the account to schedule the first payment. It would n't allow me to schedule it because it stated a bank account had not been linked. So, I went into " add external accounts '' and added our checking account information. Then, I received an error message that stated an account with this information already exists in another profile. So, I messaged Chase about 48 hours ago to let them know we were experiencing a problem linking the checking account. I had the same problem 4 1/2 years ago when I purchased my XXXX, because our account information was linked to my credit card. As of today, I still had not heard from Chase. So I called them like I did 4 1/2 years ago to resolve the problem. The first rep I spoke to suggested adding more zeros to the beginning of the account number. This way it would trick the system into thinking it was a new account number. I told him hemust get this complaint a lot, and he laughed. I told him that I would have thought that Chase Auto Credit would have fixed the problem by now, and I asked him to bring it to someones attention. He told me that I would need to complain to someone in the auto credit division and he transferred me. Then, when I complained to the person in the auto credit division, she stated I had the wrong department and was going to transfer me again. I told her not to bother ; instead, I would just file a BBB and CFPB reports. First, a customer should n't be transferred numerous times to different department to complain when they are not even the right departments. Second, the way Chase is handling bank account set ups is archaic and they should have been able to fix the problem by now without wasting the customer 's and their call agent 's time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I never had a contract with this company called PROCOLLECT. I sent a validation letter on XXXX / XXXX /2017.  I never received any type of validation in regards to my letter from this company.Procollect states that I owe them XXXX for an unpaid balance but they have yet to send any validation that I have a contract with this collection agency.. I also called on last week with a recorded phone call and they stated that they can settle the account for XXXX but that 's only valid for 48 hrs. Then they stated that we agreed on the settlement which I did n't, but because I called they said I agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am very disappointed with my credit files, XXXX XXXX, TransUnion XXXX and XXXX XXXX. My credit score is creeping up XXXX point at a time. I am very discouraged with negative items that are still not verified by the credit bureaus, past seven years and then re entered into my credit file.

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 2017-08-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: NY

Complaint narrative:
I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX.  XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am very disappointed with my credit files, XXXX XXXX, XXXX XXXX and Experian XXXX. My credit score is creeping up XXXX point at a time. I am very discouraged with negative items that are still not verified by the credit bureaus, past seven years and then re entered into my credit file.

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 2017-08-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report. I sent the copy of corrections by US Postal Mail Priority mail to Experian on XX/XX/XXXX Priority Mail. Evidence is submitted to Federal Government filed complaint..

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 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warning Services LLC has refused to properly, legally, completely and accurately validate these alleged accounts that were placed on my consumer profile. I have attempted several times over the course of 3 months to obtain proper documents for these adverse accounts but Early Warning Services LLC has refused to comply with the 30 day timeframe deadline by law to validate these accounts. They did not provide account transaction history, complete account indo, original signatures, photocopy checks etc. They even admired to Not having adequate records of these accounts into which I provided a police report for fraudulent accounts. They have not honored this police report. Early warning services refused to inform me as to how they allegedly validated these fraudulent accounts with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Who did they speak to? When? Contact info who supposedly validated these adverse accounts which are preventing me from opening accounts with other financial institutions. Furthermore, these accounts do n't bare my complete name. Early Warning Services LLC is defaming me and this is illegal. They refuse to comply with the law. I am violated as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Santander consumer USA I tried my best to ask them to split my payments for 6 months due to not employment and now receiving XXXX which ai n't much a month I really want to keep my SUV but Santander does not refinance loans and since they had help me in the past .. I owed way more on the vehicle than when I purchased it ... when I first financed the vehicle it was XXXX and now the pay off is XXXX I owe way more than what the vehicle is worth ... I am very hurt about this matter ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I did not open an account with this 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 2017-08-09 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: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
A company is charging me for something I have no idea for what. The company is what is read XXXX XXXX  my statement called " XXXX '' for the amount of XXXX on XXXX XXXX 2017. I do n't know this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report. I sent the copy of corrections by US Postal Mail Priority mail to XX/XX/XXXX on XX/XX/XXXX Priority Mail. Evidence is submitted to Federal Government filed complaint..

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 2017-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report.
I sent the copy of corrections by US Postal Mail Priority m
ail to XXXX on XX/XX/XXXX Priority Mail.
Evidence is submitted to Federal Government filed complaint..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Opened a business checking account with a {$200.00} cash bonus promotion if {$1000.00} in new money was deposited within 90 days. I have not received the bonus as advertised even though I deposited the required amount of new money with the 90 day time frame.

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 monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is rehashed from complaint XXXX, seeking the dispute of resolved matters after closing this CFPB complaint ... BOA has been given attachements showing the fraudulent charges by XXXX, confirmed by XXXX Presidents office as being almost double of what I was quoted.
BOA refunded {$210.00}, but that was much less than was reversed of XXXX..
Essentially, I want refund of ALL overdraft fees I 've been charged for the last 6 months due to XXXX over billing, debiting my acct for a fraudulent amount, I did not agree to ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I changed my mortgage insurance company from XXXX to XXXX. I was told once I receive the check from XXXX XXXX XXXX, send it to the Roundpoint mortgage company. If I did n't I would get a penalty. I received the check and as what was told to me is what I did in XX/XX/XXXX. Upon receiving an Analysis from the Mortgage company in XXXX XXXX is when I notice that my mortgage had excessive increase starting XX/XX/XXXX. I called Roundpoint Mortgage XXXX to find out why. I was told that my escrow was short. I brought to the attention that I had sent a check in XX/XX/XXXX to return the funding of my escrow. This is when it was brought to my attention that the check was applied to the principle acct # It was sitting from XX/XX/XXXX to XX/XX/XXXX. I wrote on the check that the check was for the escrow acct #. First I was told that I had to fix this myself. I mention I did what I was suppose to do and someone there need to fix this immediately. I contacted XXXX XXXX company who I originally had contact with to file a complaint. The following week I notice that my mortgage payment for XX/XX/XXXX was still in my bank account. I called Roundpoint Mortgage to make sure that my payment was taken out in a sufficient about of time to pay the mortgage. That 's when I was told that everything was ok. And, my problem was fixed. My problem has not been fixed I am still being charged the excessive amount for my mortgage starting XX/XX/XXXX. And I feel that due to the fault of the Round point Mortgage I am being penalized. I have never been late on my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
A derogatory remark and reporting on my credit report from an alleged debt from XX/XX/XXXX. I have requested validation of debt and collection agency has not responded to me. I also submitted a dispute with credit bureau 's and they have not fixed the issue all they did for me, they added a remark on my account that reads " Account information disputed by consumer, meets FCRA requirements '' How could this meet the FCRA requirements when I have never received any notification from any agency regarding this alleged debt. I been residing at my current location since XX/XX/XXXX and never received any letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt
collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate.
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I mailed a debt validation letter to Fair Collections & Outsourcing , Inc . On XX/XX/XXXX Fair Collections & Outsourcing, Inc. mailed information they have on file regarding the account. The information Fair Collections & Outsourcing , Inc. provided contained TWO DIFFERENT SIGNATURES which they are claiming to be mine. It is clear that someone has forged my signature on a document they are using to attempt to validate the debt and collect with. I do not wish to impugn the integrity of any employee at Fair Collections & Outsourcing, Inc or the original creditor but someone has forged my signature on a contract. This unlawful act and collection tactic are unacceptable. I have attached pictures of the information Fair Collections & Outsourcing, Inc mailed me.

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 2017-08-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: NY

Complaint narrative:
I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A derogatory remark and reporting on my credit report from an alleged debt from XX/XX/XXXX. I have requested validation of debt and collection agency has not responded to me. I also submitted a dispute with credit bureau 's and they have not fixed the issue all they did for me, they added a remark on my account that reads " Account information disputed by consumer, meets FCRA requirements '' How could this meet the FCRA requirements when I have never received any notification from any agency regarding this alleged debt. I been residing at my current location since XX/XX/XXXX and never received any letter 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 explanation
Consumer complaint received 2017-08-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A derogatory remark and reporting on my credit report from an alleged debt from XX/XX/XXXX. I have requested validation of debt and collection agency has not responded to me. I also submitted a dispute with credit bureau 's and they have not fixed the issue all they did for me, they added a remark on my account that reads " Account information disputed by consumer, meets FCRA requirements '' How could this meet the FCRA requirements when I have never received any notification from any agency regarding this alleged debt. I been residing at my current location since XX/XX/XXXX and never received any letter 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 explanation