vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-22 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: MI

Complaint narrative:
I am victim of identity theft. I have done everything humanly possible to recover from this. I hav sent to all.3 credit agencys a copy of police report, FTC complaint form, accompanied by credit report identified errors. Thy told me acct verified, so I resubmit my paper work and didnt do nothing but  bring my score to XXXX. These are acts that hav to be blocked permanently because I didnt authorize and were open in my name. 
XXXX XXXX says I ow e XXXX. Thats wrong. Its a laseee. I pay XXXX/month and nvr been lat because its auto ded from checking. And the screen shot is all acoustic to fraudulently opnd and must b permanently BLOCK. And remove all inquiries!

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 2018-07-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am only allowing 3 business days for this dispute to take place and I will be following up with my lawyer. Please look at the attached letter. At this point Im in distress and disappointed that the items I am disputing as an internal dispute continues to remain on my credit without proper verification. I am aware of the law and sections of The FCRA where I see that your company has violated me and my rights with in section 609, 611, 615 and many more to be exact. I will not stand to see another bogus report or letter saying Verified. No possible way any verification procedures were done to verify any of the inquiries that you listed on my credit file as errors. Please continue to the attachment and please read carefully.

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 2018-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Please review the documents submitted. In 2007 prior to the mortgage industry collapse I wrote the justice department, RESPA, the Treasury Department and state representatives when I discovered I was illegally out into as n ARM. I was not a participant of the Ocwen settlement. Instead of receiving a principle reduction Ocwen threatened foreclosure or sign of on a XXXX balloon. This is after agreeing to the government settlement. 

Loan Modifications for Struggling Homeowners The settlement also ordered Ocwen to provide {$2.00} XXXX in principal reductions to eligible underwater borrowers who were at risk of foreclosure. To accomplish this, Ocwen offered write-down loan modifications to eligible borrowers. ( A write-down loan modification reduces the principal balance on the loan. A lower principal balance results in lower monthly payments. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affiliated Acceptance Corporation
State: TX

Complaint narrative:
XX/XX/XXXX I signed up XXXX of my boys for a XXXX XXXX XXXX with the name XXXX XXXX XXXX after researching about the curriculum and core values. This is a local XXXX area chapter of XXXX XXXX XXXX XXXX whose main headquarters is in XXXX XXXX California. After 2 weeks, the gym changed its name to XXXX XXXX and was no longer affiliated with XXXX XXXX. I discussed my concerns with the local gym owner with name XXXX XXXX but he directed me to call Affiliated Acceptance Corporation ( AAC ). I  was also informed that it was not possible to cancel the gym membership. I called AAC several times and wrote to them on XX/XX/XXXX to formally raise my concerns about the AAC trying to collect debt. My lawyer sent them a letter to cease harassing me with collection notification via mail and phone calls. It is now XX/XX/XXXX and they are still at it. They will quit for few months and then start again. AAC told me in their response letter dated XX/XX/XXXX they were unable to process my request to cancel the membership. My take in this matter is that this gym offered me a membership and affiliation with XXXX XXXX by repesentation and then I got a generic XXXX XXXX instruction from former XXXX XXXX instructors. AAC came in the mix because according to the owner, he hired ACC to collect monthly gym memberships because he could not afford an accounting department to process such collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Last reported : XX/XX/2018 {$21000.00} This account is closed and is part of a payment plan,

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 2018-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have a Navient Signature Student loan. I am in repayment now. I have been told that I have lost the Loan/Borrower Benefit of Signature Rewards - 0.5 % Aft 48M of on-time payments. I am 2 years into repayment. I have made all payments on-time. I have been told that I have lost this benefit because I didn't make the payments after graduating from XXXX XXXX. I was in deferment and forbearance during XXXX and XXXX and was never in repayment until I finished training. This is a substantial amount of savings that I am loosing. I have repeated asked for the promissory notes to be sent to me so I can check the terms. Repeatedly they have said that they will send them to me and haven't. Other loans I have with Navient, both federal and private, have not lost this benefit and therefore I believe this to prove an accounting error that I have no power to correct. There is no way for me to see the accounting record since Navient persuades one to use paperless billing and use their website which does not show an accurate full and up to date record of account history. The representatives on the phone are unclear on the benefit rights and do not have access to the promissory notes to read this to me. Also, I am not clear as to why multiple loans I hold with Navient have had interest capitalize 3 times while I was in XXXX and XXXX during uninterrupted deferment and forbearance. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2018 Mr. XXXX was denied a credit limit increase for reasons that were not relevant in XX/XX/2018 when a credit limit increase was approved and eventually granted. This is a direct violation of the Equal Credit Opportunity Act ( ECOA ) as stated by FDIC Compliance section IV 1.1 " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' In XX/XX/2018 a credit limit was granted, in XX/XX/2018a credit limit was denied. Same credit reports, different results, different standards.I have attempted to resolve this with no resolution at the executive level. No success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2018 Mr. XXXX was denied a credit limit increase for reasons that were not relevant in XX/XX/2018 when a credit limit increase was approved and eventually granted. This is a direct violation of the Equal Credit Opportunity Act ( ECOA ) as stated by FDIC Compliance section IV 1.1 " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' In XX/XX/2018 a credit limit was granted, in XX/XX/2018 a credit limit was denied. Same credit reports, different results, different standards.I have attempted to resolve this with no resolution at the executive level. No success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Account : XXXX This company has been harassing me since I finished paying my Chapter XXXX Bankruptcy.I was late two months and phone calls and even letter saying that my piece of junk, they call it car, could be repossessed. I know that, for not paying they could definitely do it. My last phone call with them I explain that I would bring account current by the end of XXXX, I made three payments, last one will be withdrawn from my bank on XX/XX/18. I explained that due to loss of a family member and my brother loosing his job to give a break! They still mailing me this harassment mails to simply remind me or scare me, not scare at all, it is all paid and next due date is not yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2018 Mr. XXXX was denied a credit limit increase for reasons that were not relevant in XXXX of 2018 when a credit limit increase was approved and eventually granted. This is a direct violation of the Equal Credit Opportunity Act ( ECOA ) as stated by FDIC Compliance section IV 1.1 " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' In XXXX of 2018 a credit limit was granted, in XXXX of 2018 a credit limit was denied. Same credit reports, different results, different standards.I have attempted to resolve this with no resolution at the executive level. No success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
XXXX has added a bill, a cell phone to my bill, I have never ever, had a XXXX cell phone, I have A XXXX  PHONE AND SAME NUMBER FOR OVER 6yrs, I have disputed, on credit bureau, I have disputed, it in writin, Zi have asked the to validate the debt, they said it was done over the phone, I am an XXXX Veteran XXXX, On a fixed income, they call, I explained to them, that I have no knowledge of this debt, and please stop contacting me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-22 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: GA

Complaint narrative:
XX/XX/XXXX I made Experian aware of incorrect information on my credit report filing a dispute, although I sent physical evidence supporting my position Experian still continue to report adverse information, the disputes continue to this day. XX/XX/XXXX Experian claimed to reinvestigate the matter and reported as accurate and verified, I asked for physical proof fcra 609 for my own records which Experian has not responded I asked them to reinvestigate which they decline fcra 611, Experian continue to place itself above the Law.

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 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
This company, never notified me, emailed me, I have frozen my credit reports due, to losing my wallet, and a home invasion years ago, I have never had XXXX..as I use a antenna, with aluminum foil on the ends. I researched this company and saw, they have been known to just give a Bill 3 weeks ago they began calling, me threatening to take my XXXX check, I told the lady, on the phone. I didnt know who she was or the company, at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have two credit card accounts that are open, current, and in good standing with XXXX XXXX XXXX XXXX. 

Neither one of these accounts is listed on my XXXX XXXX credit report. 

I have contacted both Capital One and XXXX XXXX to have this problem fixed, in writing, but with no results. 

I need to have both of these Mastercard Quicksilver credit card accounts to be listed on my XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: Innovis
State: FL

Complaint narrative:
Innovis credit bureau is listing 2 XXXX XXXX accounts from XXXX XXXX on my Innovis credit report. 

XXXX XXXX  transferred my original XXXX XXXX account opened XX/XX/XXXX, to another office, without my consent. After the transfer, XXXX opened a new XXXX XXXX account, without my consent, in XXXX of XXXX, and closed the original XXXX XXXX account # XXXX, without my consent. 

I should only have the original # XXXX XXXX XXXX account opened on XX/XX/XXXX showing on my Innovis credit report. The 2nd account is considered an unauthorized duplicate account, under the terms of the Fair Credit Reporting Act, passed by Congress, and must be deleted from my Innovis credit report. The FCRA is very strict in its rules on reporting accounts that were transferred. There can be no duplicate accounts listed on a consumer 's credit file, if the transfer was done without the consumer 's express written consent. In this case, there was no express written authorization submitted by me, to ever have my account transferred to another office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BCB Investments LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX I HAVE NEVER EVER RESIDED, IN ANY OF THEIR PROPERTIES, THIS IS CAUSING MAJOR, DAMAGE, I HAVE TRIED TO REACH OUT TO THEM, THEY HAVE SENT ME PAPER WORK, THAT IS NOT MY SIGNATURE, MY HOME WAS BROKEN INTO, IN XX/XX/2010, I lived in assisted living, XXXX charities, Building, my income was {$720.00} a month, I do not know location of said property I do not know address, This debt is fraud, I have explained that to them they stated the would take my XXXX checks, I am XXXX XXXX Veteran, in a XXXX XXXX suffering from XXXX, AND XXXX, PLEASE HELP, they call and say XXXX XXXX you owe us XXXX I told them do not call anymore, they told me they have the right to call for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am trying to use the Cell Phone protection benefits on my cards. I have submitted the required form and all documents to the company ( Wells Fargo ) via email twice, and have not received any status updates despite continued efforts to contact them. I called them and was told they would be in touch with me but they never got back in touch with me. This has been ongoing for several weeks. The claim was initiated on XX/XX/2018 and I last heard from them on XXXX XX/XX/2018. The amount is {$600.00}, the maximum amount covered in this insurance.

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 2018-07-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
PURSUINT TO LAW 15 U.S.C 1681 et seq. It's Statutes and it's Amendments - TRANSUNION, XXXX  AND XXXX   COMMITTED FRAUD AGAINST MYSELF AND THE FEDERAL GOVERNMENT IN THAT THEY WILLINGLY CONSPIRED TOGETHER TO ; # 1. ILLEGALLY REFUSE TO ADD MY STATEMENT OF DISPUTE, 1st ATTEMPT, TO THE NEGATIVE ACCOUNT FOR WHICH THE FIRST STATEMENT OF DISPUTE WAS INTENDED FOR. ( Statement of Dispute- mailed via USPS on XX/XX/XXXX. Action taken by TransUnion, XXXX and XXXX  Credit Bureaus- No Action Taken. ) # 2.  ILLEGALLY DELAYING XXXX MONTHS, ( XX/XX/XXXX - XX/XX/XXXX ), TO ADD 2nd STATEMENT OF DISPUTE TO NEGATIVE ACCOUNT FOR WHICH THE PERSONAL STATEMENT OF DISPUTE WAS INTENDED FOR. ( Action taken by TransUnion, XXXX and XXXX found on XX/XX/XXXX ; Criminal Conduct- Elimination of all Accounts in Good Standing in Retaliation for pressure to add Statement of Dispute- 2nd Attempt sent XX/XX/XXXX to negative account for which the Statement of Dispute was intended for. ) # 3. TRANSUNION, XXXX  AND XXXX ILLEGALLY DELETED ALL ACCOUNTS IN GOOD STANDING FROM MY CREDIT HISTORY IN LIEU OF ADDING MY PERSONAL STATEMENT OF DISPUTE TO A NEGATIVE ACCOUNT FOR WHICH THE STATEMENT OF DISPUTE WAS INTENDED FOR. ( Action taken by TransUnion per my call to them in XXXX on XX/XX/XXXX ; Attempting at present to cover their criminal conduct, against myself and the Federal Government, by deleting both my Personal Statement of Dispute and the Negative Account for which the Personal Statement of Dispute was intended for. TransUnion also stated to me in response to a written average dispute that I submitted to all 3 of the afore mentioned Credit Bureaus in XX/XX/XXXX that the Negative Account spoken of above, which is " XXXX XXXX XXXX '', and the collection agency, " XXXX XXXX XXXX '' who purchased the charged off negative account of XXXX XXXX XXXX are owned by the same people and hence could not be removed, even though the negative account by XXXX XXXX XXXX is an Unknown Creditor and was disputed as such per my legal right. - Action taken by XXXX ; Attempting at present to conceal their criminal conduct by having deleted my Personal Statement of Dispute from the Negative Account that it was previously attached to and by showing only XXXX Accounts of many previously in Good Standing and showing those XXXX Accounts as closed. - Actions taken by XXXX  ; Unknown at present. )

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 2018-07-22 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclays Bank of Delaware was made aware that it was opened fraud. I did not open this account and I asked that it be deleted from my info. I sent them a copy of the police report and sent numerous letters. they were suppose to delete this from my info and not report as closed and still left it on my credit report. there should be laws governing these type of maneuvers by consumers against people who file complaints. I have spent years trying to get this company to remedy this complaint. I have sent the following documents listed below Copy of Police Report copy od Drivers Kicense Copy of Social Security Card Numerous Letters

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 2018-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
My vechicle payments were applied to a loan for my previous vechicle, which I no longer owned. I had to figure out where the payments went on my own, and explain this to GM finiancial, since GM finiancial had introduced a new computer system, and had major problems. I have phone records and email correspondence proving that I was adamantly pursuing a solution. Once found, GM promised me that the descrepincy would not affect my credit score while they  mailed me checks back so that I could reapply the money to the correct account. Checks took over 30 days to get back, whick delayed my payment. I asked GM finiancial specifically about how this would affect my credit, and was assured the payment would be reported as on time, sine they had the payment to the wrong account would have been on time to the correct account. I would have made extra payments to avoid this damage on my credit report if GM finiancial gave me accurate information that I asked for. Customer service was absolutely unacceptable through all of this, and I had no problem overlooking it as long as my credit was not affected negatively. At no point in all of this could I stay in contact with the same representative, and the representative could not find previous notes for the situation on my account. Everytime I would call, I had to start from the beginning, explaining the situation to the representative.

Company response to consumer: Closed with non-monetary relief