vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There is an inquiry from capital one on XX/XX/XXXX but I did not make any inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2019 I have scheduled one transfer to my account at XXXX XXXX XXXX  at {$19000.00}. Unfortunately what transpired was three transactions ( two unauthorized ) listed below including trace codes, : 1 authorized : ACH Credit for {$19000.00} : Source- 543 SEC- PPD Transaction Code - XXXX Trace- XXXX Company ID- XXXX Individual ID- XXXX XXXX below unathorized ACH Credit for {$19000.00} : Source- 543 SEC- PPD Transaction Code - XXXX Trace- XXXX Company ID- XXXX Individual ID- XXXX ACH Debit for {$19000.00} : Source- 543 SEC- PPD Transaction Code - XXXX Trace- XXXX Company ID- XXXX Individual ID- XXXX The problem with this set up is that the transaction repeated multiple account automatically flags the account for account surveillance and resulting in problems associated with the account going forward. Chase Bank denies that three transactions took place regardless of presented evidence alleging only one took place, their response below : We only show one transaction Dear XXXX XXXX : Were writing about your email, which we received on XX/XX/2019, about the unauthorized transactions for your savings account ending in XXXX. We confirmed there was only one transaction of {$19000.00} transferred from your Chase savings account ending in XXXX to an external account XXXX on XX/XX/2019. Please contact the bank for your external account about any additional transactions of {$19000.00}. If you have more questions about this issue, please call XXXX at XXXX extension XXXX. If you have questions about other issues, please call us at the number below. We accept operator relay calls. Our office is available Monday through Friday from XXXX XXXX to XXXX XXXX. Eastern Time. Sincerely, Executive Office XXXX XXXX Fax ( Free of charge from any Chase branch ) XXXX Esta comunicacin contiene informacin importante. Si tiene alguna pregunta o necesita ayuda para traducirla, comunquese con nosotros llamando al XXXX, de lunes a viernes de XXXX XXXX. a XXXX XXXX.,  sbados de XXXX XXXX. a XXXX XXXX hora del XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX IS REPORTING ACCOUNTS DOUBLE THE BALANCE - THE PDF I'LL UPLOAD REFLECT THAT, PLEASE TAKE A LOOK AT : TOTAL CREDIT LIMIT TOTAL CREDIT BALANCE TOTAL MONTHLY PAYMENT AMOUNT THIS IS HINDERING MY OPPORTUNITY FOR A MORTGAGE AND EQUIFAX HAS NOT UPDATED AFTER MULTIPLE REQUEST THANKS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: Self Lender Inc
State: OH

Complaint narrative:
My loan terms was from XX/XX/XXXX-XX/XX/XXXX. When my account was paid off Im full the loan was reported as closed and dropped my credit score XXXX points

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: OH

Complaint narrative:
My loan terms was from XX/XX/XXXX-XX/XX/XXXX. When my account was paid off Im full the loan was reported as closed and dropped my credit score XXXX points

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 2019-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2018 I started a balance transfer between a new Barclayscard and an existing XXXX XXXX credit card. In mid XXXX I got charged with a fee by XXXX XXXX for lack of payment. Once I contacted Barclays they said they send the funds. After many calls they started an investigation and told me it will take 25 business days to track the funds. Friday XX/XX/XXXX was the 25th day and no supervisor in customer service has an answer. During this time I have paid Barclays {$600.00} for monthly payment and have been charged interest and late fees by XXXX XXXX. I feel helpless because Barclays did not meet their own deadline and all I am told is to wait for a decision.

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 2019-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
Attempted to dispute debt multiple times with credit bureau but stated debt was legit. I have not received a bill for this amount. I have attempted to reach out to the XXXX XXXX XXXX XXXX and they are unable to produce an itemized bill for dates of service. Stating I owe {$970.00} for medical debt, however, I do not. This is NEGATIVELY affecting my credit score and I need for it to be erased. This has been going on for two months. I need action taken immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Purchased XXXX XXXX XXXX which was a lemon in XXXX. It was repossessed in XX/XX/XXXX. Every time my credit score gets to XXXX or just above it is summarily dropped 60-70 points as this expired charge off is added again. A third party collector has altered the dates XXXX XXXX XXXX XXXX. The original creditor was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On Friday, XX/XX/19 Navient has disclosed personal information to my relatives about my student debt without my permission. They have not contacted me via phone in 6 months and have decided to give my family members in Georgia information about my student loans. The name of the Agent was XXXX and she lied stating she got my cousin 's information that I disclosed to them, which i did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: NY

Complaint narrative:
I graduated from XXXX XXXX XXXX  XXXX in XXXX with debt over {$150000.00} in private and federal student loans. After years of paying, I realized that the private loans listed my school as XXXX XXXX XXXX XXXX XXXX. I never attended that school. The error made me concerned that other data in my account might be wrong too, like the amount owed. 



As of XX/XX/XXXX, Navient claims I still owe {$23000.00} from attending XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ftc violation on inquires that are not mine sent over 45 days ago XXXX XXXX, XXXX XXXX, XXXX,

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 2019-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I have experienced fraud in my Chase Checking account. On XX/XX/2019 a transaction of {$1800.00} transferred from my account through the XXXX money transfer system on XXXX. The amount was sent to someone named XXXX XXXX. I do not know who that is and I did not authorize that payment. I have filed a dispute claim to XXXX 's fraud team but they have denied it by saying according to their investigation, they can not prove fraud. But they are not taking into account the fact that another fraudulent tried to go through right after that transaction for the amount of {$1900.00}. For that amount, XXXX sent me an alert asking if I authorized it and since I had not, I denied it. XXXX refused to see that similar amounts were tried to be taken out within the same time frame and being sent to people with similar names. All money transfers I do on my account are to family members. You can clearly see that on my account. Also, I have been a member for over a decade now. If they were to analyze my account holistically then they could see that I have been on good terms with Chase all these years. 
On top of this fraudulent activity on Chase 's account, I have had other instances that have led me to believe my identity has been compromised. I have closed a lot of my accounts and placed fraud alerts on everything and froze my credit. I am terrified that another hack is going to happen that is going to compromise my identity further. But when I am telling all this to Chase 's fraud team they are refusing to listen at all. They keep repeating the same line that they have investigated and they can't prove that this is fraud. They are refusing to see it holistically or even to hear about my struggle. I don't know what else to do. This incident shows that there is a deficiency in Chase 's systems and also in the XXXX Payment system. Unfortunately, they are not giving this a thought at all. If this happened to me and Chase is not willing to investigate it further then they are giving power to the thieves who are getting away with stealing money from hard working Americans. As one of the leading financial institutions, Chase should be doing more to listen to the customers and their plight rather than training their employees to just repeat what's on their screen. Please help me understand what I should do next to get my money back and how to put those thieves behind bars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-10 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: Midwest Recovery Systems
State: MI

Complaint narrative:
Midwest Recovery Systems has reported a collection account to all three Credit Reporting Agencies ( XXXX, XXXX, and XXXX XXXX. I do not recognize this account as being mine. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting Midwest Recovery Systems to provide me with a validation of the debt. To clarify, I am disputing the account being reported by Midwest Recovery Systems and demanding validation of the debt. ( XXXX XXXX XXXX Sec. XXXX XXXX b ) ) I do hereby request that Midwest Recovery Systems provide me with complete documentation to verify that I owe the said debt and have a legal obligation to pay it. Please provide me with the following : ( 1 ) the agreement with the creditor that authorizes you to collect on this alleged debt with the agreement bearing my signature stating that I have agreed to assume the debt. ( 2 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. ( XXXX ) Proof that the Statute of Limitations has not expired. ( 4 ) Complete payment history on this account along with an accounting of all additional charges being assessed. ( 5 ) Proof that Midwest Recovery Systems is licensed to collect debt in the State of Michigan along with license numbers and Registered Agent. If Midwest Recovery Systems fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my XXXX, XXXX and XXXX credit reports. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took out a student loan in XXXX with Navient, I have since than been deferring this loan. On XX/XX/XXXX, I received an email from XXXX XXXX ( my credit card ), advising me that my credit score had dropped from XXXX to XXXX. When I viewed the reason, I discovered I was 90 days past due on my loan. I did not receive any type of contact from them letting me know my bill was due. Every year, I receive a letter from them and I defer the loan, this time I received nothing and therefore, was unaware the account was delinquent. I recently moved to California on my own and am work part time and enrolled in college for XXXX XXXX full time. This neglect by Navient has changed my life. I work hard on my keeping my credit score above average and now it is below average. When I contacted Navient, they informed me that I did not have an account with them and I tried to explain that I did because I have deferred the loan for years. I than questioned why I didn't receive a bill and their reply was because I was signed up for electronic billing. This is contradiction by Navient, how can I sign up for electronic billing if according to them I never had an account and if I never had an account, where has my loan been for the past years. Navient informed me the only way I could get it removed is if I file a dispute, which I have. If Navient was not neglectful in contacting me has they have done in the previous years, this would not have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
This has been my third year trying to get credit accepance corp to remove a debt that is not mine. They have never provided me with any documents and proof.

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 2019-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is JAVITCH BLOCK LLC XXXX XXXX   XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ) .However, in my records I am unable to locate documentation that they complied with thisrequirement, which is a violation of the FCRA & FDCPA . Also, JAVITCH BLOCK LLC.failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) JAVITCH BLOCK LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. JAVITCH BLOCK LLC is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where JAVITCH BLOCK LLC is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. JAVITCH BLOCK LLC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

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 2019-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: First Associates Loan Servicing LLC
State: FL

Complaint narrative:
XXXX sold this loan to First Associates. First Associates is effectively a shell company where it is impossible to have any type of discussion with someone. 

I called First Associates and have emailed them. They have confirmed that I have never missed a payment. They sent me an email reply confirming as such and a file which I can't interpret. It appears to be something meant to send to the credit bureaus. However, what they are reporting as a late payment with XXXX  is from late XX/XX/XXXX. The file they sent is itself incorrect as it shows payments stopping in late XX/XX/XXXX. This information is all correct. 

I have never missed a payment and the loan was actually paid off in XX/XX/XXXX. 

First Associates needs to update my loan with XXXX to show never late and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax just reports anything without any prior notifications, Equifax breach probably caused more aches than anyone else they should be held liable for their mishandling of information. 
I have disputed information with them before now they placed some more derogatory information on my credit for an unknown medical bill from an emergency bill??? I have no medical emergency! 
Highest Balance {$180.00} Opened XX/XX/2019 ( 2 mos ) Account status Open Original Creditor Name XXXX XXXX XXXX FLORIDA Creditor Information XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I need from Navient, my federal loan provider, information about the first payment plans I enrolled in right out of college. 

I have called twice ( XXXX XXXX, 2019 ) and this past week ( XXXX XXXX, 2019 ) and both times Navient told me they would sent a letter detailing all of the payment plans I have for my federal student loans for the past 10 years, especially the first few years. 

I have yet to receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: NC

Complaint narrative:
This company is not licensed to collect in my state. In its communication to me, it did not list the permit number. Research completed indicated that this company is unlicensed to collect this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
About two weeks ago I received a phone call from one of my other credit card company informing me that Synchrony Bank tried to get money out of my account! The amount was the same amount that XXXX claims that I own them for work on my home that was not complete! I contacted Synchrony Bank about this and All I got was a mean and nasty letter informing me AGAIN that they canceled my XXXX XXXX card! And that they filed a report with the credit-reporting agency of my delinquent with them! 

This taking of money from my other credit card company is the same thing that started with XXXX XXXX  in 2006 and I tried to work with the company and only ended up owing over {$30000.00} to other credit card company that they took money from! Until I filed a complaints with you and it all stop the taking of money! 

Just because I am a XXXX Veteran they think they can keep on stealing from 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 2019-03-10 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: Colony Brands, Inc.
State: MO

Complaint narrative:
Company inaccuurately reporting status. Account is charged off or closed with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: Innovis
State: GA

Complaint narrative:
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.

Company response to consumer: Closed with explanation