vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 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: NY

Complaint narrative:
XXXX XXXX acct XXXX I have written to the credit bureaus to investigate a late payment that XXXX XXXX is reporting on my credit reports. Now, to my understanding the credit bureaus and XXXX have an obligation to conduct a complete investigation into this issue and fix any errors. 
XXXX XXXX is reporting a LATE payment of 30 days on my credit report when I was NEVER late on this mortgage. 3 months after closing on my home, XXXX apparently sold this account. I had automatic payments set up from my checking account and have never missed a payment. Looking at my credit report, there is a 30 day late reporting that should never be reporting. Under section 1681i of the fair credit reporting act, I requested this issue fixed and still nothing. I am writing to CFPB to help resolve this issue before I retain council and take this to court. I am suffering financial and reputation harm from this error.

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 2019-08-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX acct XXXX I have written to the credit bureaus to investigate a late payment that XXXX XXXX is reporting on my credit reports. Now, to my understanding the credit bureaus and XXXX have an obligation to conduct a complete investigation into this issue and fix any errors. 
XXXX XXXX is reporting a LATE payment of 30 days on my credit report when I was NEVER late on this mortgage. 3 months after closing on my home, XXXX apparently sold this account. I had automatic payments set up from my checking account and have never missed a payment. Looking at my credit report, there is a 30 day late reporting that should never be reporting. Under section 1681i of the fair credit reporting act, I requested this issue fixed and still nothing. I am writing to CFPB to help resolve this issue before I retain council and take this to court. I am suffering financial and reputation harm from this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We filed the following complaint against Chase through this website. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Checking or savings account ISSUE Managing an account But disappointingly, we have been told they can not help us because we are not their customer and there's a third party involved - I assume they mean the con man who has been using Chase to cheat people of their money. We've been told the case is closed. That's simply unacceptable, especially in this day and age of Internet scams. Banks are the loophole. Scam artists are using banks to take people 's money. Banks and the Consumer Finance Protection Bureau must do more to stop this. I understand you can not discuss the account holder/scam artist in question but you can at least explain to me what Chase 's general procedures are when faced with such complaints. 

1. Do you freeze the accounts? 
2. Do you launch an investigation? 
3. Do you take evidence from the victims of the scam artist? 
4. Do you blacklist such account holders if you find sufficient evidence they are using your bank to take people 's money? 
5. Do you do anything to stop this from happening again, for instance by REALLY checking the ID of people who open accounts and making sure they are not fake IDs? 
6. Do you forward the complaints, evidence to the FBI 's Internet Complaint Center ( ic3 ) so they can track down these people and file criminal cases against them. 

Or does Chase simply take people 's money, loan money to earn interest and do nothing more for consumers? 

Do banks like Chase understand that you exist, your jobs exist because of something we the consumers give you - that's TRUST. If we no longer trust you and believe you have our best interest in mind, why would we put our money with you? 

My next steps are to tell everyone I know and publicly on social media the sad incident that happened to us and to urge my family and friends to not put their money with companies that do not have our best interest in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Have been a victim Of Identity Theft Someone is Using My Identity Which has cause Damage to My Name. I did Not Authorize These Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: FL

Complaint narrative:
I Have been a victim Of Identity Theft Someone is Using My Identity Which has cause Damage to My Name. I did Not Authorize These Accounts.

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 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: IN

Complaint narrative:
I received a phone call from XXXX, by the representative XXXX XXXX from XXXX XXXX XXXX. I asked her did she have permission to call me including documentation with my signature and revoked any rights immediately and that any further correspondence should be done by mail. She replied that the debt by was from XXXX. I informed her that I would not be taking any ownership of any debt or refusing to pay because she can not verify that the debt is mine. She answered saying that she did have permission and that her office just received the account through skip tracing and that she will place a cease and desist on the account to prevent further calling. She informed there a debt owed for the {$210.00} and asked me how I would be making my payments. She attempted to collect the debt many times asking which insurance I had and informing me her office had the right to collect a debt in the state of Indiana because the statues of limitation allows 6-10 years to collect a debt and that leaves them one more year to collect the debt. 
Dynamic Recovery Solutions has committed several violations of the FDCPA and Indiana Fair Debt Collections Act. Indiana fair debt collection laws state An action upon promissory notes, bills of exchange, or other written contracts for the payment of money executed after XX/XX/XXXX, must be commenced within six ( 6 ) years after the cause of action accrues. This means if the alleged debt accrued in XXXX and this being XXXX ( XXXX marks 6th year ), that this debt was illegally attempted to be collected on. 
Another violation is that the representative did not inform Me of my rights regarding a time-barred debt. The representative did not tell me that if I paid or agreed to pay the alleged debt, I could reset the statute of limitations on the debt, subjecting myself to further liability. The representative also failed to tell me that Dynamic Recovery Solutions could not sue me for the debt due to the account being time-barred. Not disclosing such pertinent information displays willful noncompliance and deceptive credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 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: CA

Complaint narrative:
my discover card was charged many transaction with out my permission i contact the company and filed a despute after couple of weeks they denied my claim for no reason i have try few times to solve this problem but company never try to do any thing im still paying monthly payment and interest also am sending the list of the charges also with my complain to see it all happen when i was away for my college in the month of XXXX and XXXX of 2018 i even went to the address of the company charge my card but store is out of business i inform discover company also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT, THOSE NEGATIVE INACCURACIES NEED TO BE REMOVED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I STARTED CHECKING MY CREDIT FOR ACCURACIES. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER.

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 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I found out that 3 checking accounts and 2 savings accounts have been opened in my name and I didn't open them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: IN

Complaint narrative:
I received a phone call from XXXX, by the representative XXXX XXXX from XXXX XXXX XXXX. I asked her did she have permission to call me including documentation with my signature and revoked any rights immediately and that any further correspondence should be done by mail. She replied that the debt by was from XXXX. I informed her that I would not be taking any ownership of any debt or refusing to pay because she can not verify that the debt is mine. She answered saying that she did have permission and that her office just received the account through skip tracing and that she will place a cease and desist on the account to prevent further calling. She informed there a debt owed for the {$210.00} and asked me how I would be making my payments. She attempted to collect the debt many times asking which insurance I had and informing me her office had the right to collect a debt in the state of Indiana because the statues of limitation allows 6-10 years to collect a debt and that leaves them one more year to collect the debt. 
XXXX XXXX XXXX has committed several violations of the FDCPA and Indiana Fair Debt Collections Act. Indiana fair debt collection laws state An action upon promissory notes, bills of exchange, or other written contracts for the payment of money executed after XX/XX/XXXX, must be commenced within six ( 6 ) years after the cause of action accrues. This means if the alleged debt accrued in XXXX and this being XXXX ( XXXX marks 6th year ), that this debt was illegally attempted to be collected on. 
Another violation is that the representative did not inform Me of my rights regarding a time-barred debt. The representative did not tell me that if I paid or agreed to pay the alleged debt, I could reset the statute of limitations on the debt, subjecting myself to further liability. The representative also failed to tell me that XXXX XXXX Solutions could not sue me for the debt due to the account being time-barred. Not disclosing such pertinent information displays willful noncompliance and deceptive credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: OK

Complaint narrative:
Flagship credit what a joke lost my job asked for assistance was denied told repossession would not happen until 60-90 days out, now the problem I have is I have scheduled a payment which constitutes an arrangement everyone is beyond rude I am fed up with the treatment I am debating on bankruptcy due their treatment I should not have refinanced my loan with Flagship, XXXX never treated me this way.

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 2019-08-27 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: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I contacted them and spoke to someone in the lending department. I reported to them not only verbally but also in an email that my first and second mortgage are reporting each twice so it looks like I have four mortgages. I am in the process of refinancing, I have called Navy several times to try and get this resolved and they have not returned my call. I did get one email response stating that this would not affect my credit however the other institution has out my loan on hold until I get this resolved mean while I am probably going to loose the rate I locked into and the money that I paid for an appraisal. NFCU should not be reporting liabilities twice and there should be someone there that should be able to assist me. I asked to speak to someone to file a complaint and then was transferred several times and then ultimately disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT, THOSE NEGATIVE INACCURACIES NEED TO BE REMOVED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I STARTED CHECKING MY CREDIT FOR ACCURACIES. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER.

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 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT, THOSE NEGATIVE INACCURACIES NEED TO BE REMOVED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I STARTED CHECKING MY CREDIT FOR ACCURACIES. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I recently asked for copies of my statements dating back from 2016 because I was denied a credit increase as a result of late fees on my account. Upon review of my statements, I see that Wells Fargo continued to charge me late fees even when payments were received. Payments were made via phone, online or mailed in over the years, in some cases, twice a month. 

I am requesting fee returns of {$360.00}, {$220.00}, {$280.00} and {$36.00} respectively after reviewing my records and payment dates. With the issues Wells Fargo has encountered recently, I see this as another avenue they were defrauding clients. I will seek legal help to review my options as well.

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 2019-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Dates will be a problem but until I was able check the box allowing the lender to access my income tax info I had many problems getting my new deferral or income based repayment. Any forms or pay stubs were submitted at least 3 times with associated heated exchanges by phone. I started calling Sallie Mae my loan shark and telling friends they would send goons to break my knee caps as a way to deal with the annual and prolonged stress. I dont like to be forced to let a faceless company have access to my private info but the stress was giving me XXXX. So I will persist allowing this invasion of my privacy as the lesser of 2 evils. Sallie Mae was evil and so is Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This account was close Do to the bank scam, Midland has brought and using over 4000 robo calls and is on the Do Not call list, yet he claim he has a judgment, how that I never receive nothing, the latest more than a XXXX dollars because, I want to sue because not only does he call 4to 5 times a day, over 4000 calls now this fraud and violations of my civil right for due process, just because he brought a close account to make money. I was told because its been so long it will go away, I dont think so, this guy is wasting my minutes as it now cost me to call on my government calls program, the robo calls, the only way to stop this fraud is to sue, but I have no money for that ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
Trying to settle with this company they told me has to be delinquent to be offered settlement. I've already paid XXXX but only borrowed {$1000.00} They told me to pay the payday off they want XXXX by wed to pay in full. I'm going broke trying pay them every two weeks. Below is is screen shot of my loan. 



Original Loan Amount : {$1000.00} Principal Balance : {$870.00} Loan Docs : Want to Make a Payment? 
Want to Change Password? 
Status : Current Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 347.5562 % Interest Balance : {$92.00} Original Scheduled Installments : 26 Current Installment Cycle : 13 Current Due Date : XX/XX/XXXX Current Due Amount : {$140.00} Interest Paid To Date : {$1500.00} Principal Paid To Date : {$120.00} Last Payment Amount : {$140.00} Payment Date : XX/XX/XXXX Original Payment Schedule Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$1000.00} {$0.00} {$140.00} {$140.00} {$1000.00} Regular Current 02 XX/XX/XXXX {$1000.00} {$0.00} {$140.00} {$140.00} {$1000.00} Regular Current 03 XX/XX/XXXX {$1000.00} {$2.00} {$140.00} {$130.00} {$990.00} Regular Current 04 XX/XX/XXXX {$990.00} {$7.00} {$140.00} {$130.00} {$980.00} Regular Current 05 XX/XX/XXXX {$980.00} {$8.00} {$140.00} {$130.00} {$980.00} Regular Current 06 XX/XX/XXXX {$980.00} {$9.00} {$140.00} {$130.00} {$970.00} Regular Current 07 XX/XX/XXXX {$970.00} {$11.00} {$140.00} {$130.00} {$950.00} Regular Current 08 XX/XX/XXXX {$950.00} {$12.00} {$140.00} {$120.00} {$940.00} Regular Current 09 XX/XX/XXXX {$940.00} {$23.00} {$140.00} {$110.00} {$920.00} Regular Current 10 XX/XX/XXXX {$920.00} {$8.00} {$140.00} {$130.00} {$910.00} Regular Current 11 XX/XX/XXXX {$910.00} {$18.00} {$140.00} {$120.00} {$890.00} Regular Current 12 XX/XX/XXXX {$890.00} {$21.00} {$140.00} {$120.00} {$870.00} Regular Current 13 XX/XX/XXXX {$870.00} {$24.00} {$140.00} {$110.00} {$840.00} None 14 XX/XX/XXXX {$840.00} {$27.00} {$140.00} {$110.00} {$820.00} None 15 XX/XX/XXXX {$820.00} {$31.00} {$140.00} {$110.00} {$790.00} None 16 XX/XX/XXXX {$790.00} {$35.00} {$140.00} {$100.00} {$750.00} None 17 XX/XX/XXXX {$750.00} {$40.00} {$140.00} {$100.00} {$710.00} None 18 XX/XX/XXXX {$710.00} {$45.00} {$140.00} {$96.00} {$670.00} None 19 XX/XX/XXXX {$670.00} {$51.00} {$140.00} {$89.00} {$610.00} None 20 XX/XX/XXXX {$610.00} {$58.00} {$140.00} {$83.00} {$550.00} None 21 XX/XX/XXXX {$550.00} {$66.00} {$140.00} {$75.00} {$490.00} None 22 XX/XX/XXXX {$490.00} {$75.00} {$140.00} {$66.00} {$410.00} None 23 XX/XX/XXXX {$410.00} {$85.00} {$140.00} {$56.00} {$330.00} None 24 XX/XX/XXXX {$330.00} {$96.00} {$140.00} {$44.00} {$230.00} None 25 XX/XX/XXXX {$230.00} {$100.00} {$140.00} {$31.00} {$120.00} None 26 XX/XX/XXXX {$120.00} {$120.00} {$140.00} {$16.00} {$0.00} None

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
On XX/XX/2019 i reserved my right to dispute two medical debts that were on my credit report that i believed to be inaccurate and not valid. I sent SCA collections a debt validation letter asking them to send proof that these alleged debts they are reporting are indeed accurate and belong to me. On received a letter from SCA collections dated XX/XX/2019 they responded by sending me a questionable itemized statement disclosing treatments and procedures which can be clearly seen in the letter i have uploaded as proof of this claim. The disclosure of such information is a clear HIPPA violation and a violation of my privacy. I consider this a very serious matter. SCA Collections failed to send proper debt validation as well as a signed HIPPA release giving them the right to possess such information. This violation of my privacy is a matter that I will take legal action on if SCA Collections does not immediately remove these invalid accounts from 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