vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank took the contents of my safe deposit box and sent them to Texas. I did not receive notification, they did not ask permission and would not explain their position nor reason just ... it's our policy!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: AFNI INC.
State: MI

Complaint narrative:
Inaccurate reporting done by AFNI. Submitted collection to my credit report for an account that was not mine and that I did not maintain. AFNI is reporting creditor for collection of XXXX. XX/XX/XXXX was reporting date. I contacted company and indicated debt was not mine and to remove. No action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
In XXXX of XXXX someone used my name to apply for an apartment in XXXX. The application was denied based on the debit/credit card information the applicant used when applying for the apartment being declined. On XX/XX/XXXX I was informed that I now have derogatory marks with all credit bureau for this matter. Although, I never applied for the apartment. I have never lived in XXXX. I currently live in XXXX  and was living in Nevada when the individual applied for this apartment. My credit has been impacted by something I am not responsible for. I have been informed I have to file a police report and have to submit several documents to Columbia Debt Recovery before they can remove the collections off of my credit. I will be going to the police department today to file the police report and submit all documents they have requested from me to have this cleared and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is XXXX XXXX XXXX filing this complaint on my own behalf. I am attempting to get someone to help me AGAIN. I filed a complaint on XXXX with no response from anyone. I feel that these accounts are affecting my credit report and costing me thousands of dollars hurting my way of life. This is not like a regular dispute. I have filled a complaint with the Federal Trade Commission bc to my knowledge I do NOT recall any of these accounts. I need this problem fixed ASAP. I am trying to be patient but I can't wait another 60 days just to have my responses passed over because everyone is clearly ignoring me. I demand these accounts be deleted immediately or I will have to file for litigation due to the huge amount of stress you caused me. Section 611 ( a ). stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and no updates so now I need these items deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: U.S. BANCORP
State: FL

Complaint narrative:
I reviewed my credit report and came across 7 unauthorized inquires dated from XX/XX/2021. I would like these inquires removed at once, due to the negative impact it has on my credit.

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 2021-04-19 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: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
I reviewed my credit report and came across 7 unauthorized inquires dated from XX/XX/2021. I would like these inquires removed at once, due to the negative impact it has on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
I do not know or owe, this company ERC {$990.00}. I have never done business with this company. They do not have my signature on a contract with ERC. A dispute has been filed, but it remains on my report. Please have this item removed as soon as possible. It has damaged my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SVCS place a collection on my XXXX  consumer report for me to pay a alleged debt of {$310.00} account # XXXX on XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello I have filed several credit disputes with XXXX, Equifax and XXXX  since XX/XX/2021 I continue to file the disputes every 30-45 days with no responses in my investigation nor updates. The credit bureaus are in violation of the FCRA guidelines they have yet to respond to my letters nor forced the investigation properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: NY

Complaint narrative:
In XXXX, like so many other American families, my husband lost his job and was initially told he did not qualify for unemployment. That decision was reversed but trying to refile proved impossible. My salary was cut by 35 % beginning XX/XX/XXXX, and was not restored until XX/XX/XXXX. I sent a fax to my mortgage servicer back on XX/XX/XXXX, to which I have not yet received a response all these months later. And this was after spending 5 months trying to reach someone by phone. I filled out the forbearance paperwork that was available on their website, I gave detailed information as to why we had fallen behind and I communicated my intent to sell the house. Fast forward a few months, I have now caught up on all my payments ( the next payment due is XX/XX/XXXX ), and I was also able to catch up on my past due XXXX tax payments, which I have paid myself almost since the inception of this loan. As I was trying again to contact the servicer, they sent me a letter that I received on XX/XX/XXXX advising me that as of XX/XX/XXXX, they would start escrowing for my taxes because I was behind. I immediately called and advised that the amount they had was incorrect, and that I had also scheduled my payment for the full ( and more importantly, correct ) amount that I still owed for the tax year for XX/XX/XXXX. I was told they had already sent payment, which was not true, and when I explained that the third party that they were relying on for information had the amount wrong, Gregory  Funding pretty much just shut the conversation down, and told me someone would be in touch. My payment posted, and last week suddenly a credit balance of {$7400.00} appeared on my tax account. I again attempted to reach someone at Gregory, and was told by customer service that " the legal department was reviewing '' and someone would call me back within 30 days of my original call to them. That is still a week away, and I have a tentative closing date for the sale of my home set for XX/XX/XXXX. Because of their error, they've assessed my account with a negative escrow balance and they have almost doubled my mortgage payment. I need a swift resolution on this so that I can close on schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Harvard Collections, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I was alerted that a collection was placed on my account. When I took a look at it. It was an old parked account that I disputed years ago. The same company IL department of human service. Harvard collection bought the account and put it back on my credit as if I just open and not paying on the account. This account is more than ten years old. And the amount listed is wrong as well. The amount listed is {$6100.00}. I put in another dispute. I took a major hit on my credit after working on it so hard. This information is wrong and out dated. I need assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
repeat calls after i told them to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
repeated calls after i told them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Experian website does not have the ability to submit a complaint to Experian when a consumer has a dispute on its credit report. Additionally, when you go to their website, they do NOT have a helpdesk number to call. Also, their phone number ( XXXX only offers 2 options. The first option is questions on Security Freeze and option 2 is questions on ordering a Credit Report. There is absolutely NO OTHER OPTIONS Given. 
Experian can not be EVASIVE to the consumer. Here is my problem. I went to my Experian Credit Report and saw that there are errors in my credit report. I therefore click on the " Start a Dispute '' button and it opens a blank window. I clicked on several of these buttons, but they only open up a blank window. And as I said earlier, there is ASOLUTELY NO HELP BUTTON, NO HELPDESK BUTTON, AND WHEN YOU CALL THEM, THEIR RECORDING HAS ABSOLUTELY NO OPTION TO REACH SOMEONE TO SPEAK TO. IN FACT, THERE IS NO OPTION AVAILABLE TO SPEAK TO SOMEONE AT EXPERIAN. ALL THE OPTIONS ONLY LEAD YOU TO A RECORDING. THIS IS ABSOLUTELY UNACCEPTABLE!!! I want Experian to allow consumers to access an agent to resolve these issues. I want then to add to their main line an option to allow consumers top speak to a Live Agent. I also want this Option on their website. The way it is right now, there IS ABSOLUTELY NO METHOD AVAILABLE TO RESOLVE THIS ISSUE!!!

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 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gragil Associates, Inc.
State: VT

Complaint narrative:
I sent a certified letter to Gragil Associates on XX/XX/2021. In this letter I asked for verification of the debt as well as informing them I do not give permission to for them to call me and to only correspond with me through mail. On XX/XX/2021 I received a phone call from XXXX XXXX telling me theyre attempting to collect a debt despite the fact I told them not to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have tried to unfreeze my credit report from equifax on multiple occasions, both through their automated system and through their customer service representatives. Today ( XX/XX/2021 ) was my final attempt at getting my credit report unfrozen. First I tried their automated system which after verifying my name, address, social security number, phone number, and zip code in addition to 9 personal identifying questions, they mentioned that I need to fax them my driver 's license number and social security number. I thought this was odd since I had spent 10 minutes going through identity verification so I contacted a representative over the phone. She did the same process, verified all my information and yet still mentioned they can not verify that I am who I say I am and that I need to fax pictures of my personal identification. I'm not going to show pictures of my social security number and license for the world to see. This is ridiculous. Just unfreeze my credit report. You already have all the information you need to verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: NY

Complaint narrative:
Good evening, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and was told i needed a ftc report.I am very frustrated because this is affecting my credit report.I tried to add another fraudulent account to but i couldnt add it. The account is XXXX  XXXX XXXX. this account is as fraudulent. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license and social.

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 2021-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I need help with a private Nelnet/Firstmark student loan. I am currently on XXXX and held a Nelnet Federal Loan as well. The Federal loan was forgiven. The Nelnet /Firstmark private loan they will not forgive. 

I am XXXX years old and on Social Security XXXX. I took the loan out when I was a single mother struggling to pay my bills and went to school to be a XXXX  where I never made any more than {$3200.00} a year. The loan of {$12000.00} was disbursed on XX/XX/XXXX at a variable rate of 4.750 % and the current balance of {$13000.00} ( 15 ) years later. My ex-husband was a cosigner on this and they continue to call him for payment. I have asked that they stop since we have been divorced since XXXX but they continue to call him. They refuse to forgive the loan as they say that the underwriter will not permit it since it works differently than my Federal Loan. The idea that I need to pay this in full or at all seems to make no sense at all. Firstmark continues to report to credit agencies as in collections since I have not paid anything on these loans and my credit rating is suffering. My ex-husband 's credit is also affected. I am told there is no more forbearance left on this account, current covid relief for student loans does not apply. There are no payment adjustments and no forgiveness for this loan. I would appreciate any help, suggestions, guidance as to how to navigate this. It seems ironic that after graduation, I worked as a XXXX for plaintiffs attorneys and clients that were injured and/or taken of financially while making very little money while supporting myself and my daughters as a single Mom and now that Im XXXX years old on Social Security XXXX Im dealing with this. I would very much appreciate any guidance you may have to offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: GA

Complaint narrative:
Hello there I have sent multiple letters to these companies disputing items that I truly believe are incorrect and wrong. Not mine and I truly never had any accounts with these companies before. Yet they keep reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: TX

Complaint narrative:
repeat calls after i told them to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Let me start off by saying, I've been monitoring my Credit Report for the past 6 months because I'm in the process of purchasing a home. So, back in XXXX I contacted a debt collection company called XXXX XXXX they told me I had 5 accounts 1. {$140.00}, 2. {$81.00} 3. {$81.00} 4. XXXX  and 5. {$100.00} so I paid each one in full and they advised it would be deleted from my Credit Profile ( which it WAS ) until last week. I ran my Credit Report and it shows they reported the debt to XXXX  as XX/XX/XXXX. This is AFTER the debt has already been paid off. I called them and they were not trying to help me or get this issue resolved. I called the Credit Bureau and they said they only added the information back to the report which was requested by Aargon. This is totally unfair and deceptive business practice. I would like to know if there is something I can do to rectify this situation.

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 2021-04-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have tried several times to fix this situation with Experian and each time they refuse to fix it. ( See attached document of refusals ). Now, because they have refused once they are claiming they do not have to even investigate because I already disputed it. This is truly an abuse of the law by Experian. 
Specifically my name is XXXX XXXX XXXX sometimes XXXX XXXX sometime XXXX  XXXX : My name is not " XXXX  XXXX '' I have never gone by that name yet Experian claims I have My name is not " XXXX XXXX '' I have never not used my last name ( XXXX ) yet Experian reports that I have. 
My mortgage balance is {$350000.00} not {$360000.00} as Experian reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all on the FTC Identity Theft report YET Experiain refuses to remove them or note that they have been reported to the FTC. 
I have never lived at XXXX. XXXX  XXXX WASHINGTON DC XXXX ( although it was undoubtedly used by the identity thief ) Likewise I have never lived at XXXX XXXX XXXX WASHINGTON DC XXXX Experian refuses to remove those addresses.

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 2021-04-19 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage company, Shellpoint Mortgage Servicing was not reporting my mortgage payments to the XXXX  Credit Bureau causing my score to drop. On XX/XX/XXXX after retrieving my report and speaking to a XXXX  representative he informed me that was the reason for my score drop. The situation has been corrected but if I hadn't caught it who knows how long it would have gone on. I am inclosing the unreported payments in a copy of the XXXX  Credit Report. See pages 8 & 9. The last reported payment was XX/XX/XXXX and report was generated XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation