vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2020 a vendor in our neighborhood initiated an unauthorized charge against our Chase Bank VISA card. We became aware of this when several neighbors within our HOA reported the same charge from a local gym closed down due to COVID-19. When we called Chase Bank and reported the fraudulent charge from XXXX XXXX, we were told that it would be removed because the same vendor had tried to scam other cardholders. However, the following month ( XX/XX/XXXX ) the same charge appeared and we confirmed that the prior one had not been removed. Unable to convince the card company to reverse the charges that they had already ( falsely ) claimed to have reversed, we indicated our intention to close the card. However, Chase Bank VISA also declined to close the account. In a trust-based system of automatic and recurring payments, this behavior is unacceptable from an accredited bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I am being contacted by XXXX XXXX who is a debt collector. They are saying that I owe a certain debt from American Express. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of ve rifiable proof, they must remove the account listed below. This is not the first complaint I have filed- XXXX XXXX does not change their tactics and I am still having the same issue. **The CFPB has not helped either even though this has no t been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2020-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My son took out a Student loan with Navient in 2006 to attend a college in XXXX Tn. for XXXX which he has been paying on for 14 years now and has been informed that he still has XXXX to go before it paid off. Thats 8 more years of payments. We have already made almost XXXX in payments on a XXXX loan. I have been making the payments and am now XXXX years old with both my wife and myself in poor health. I tried to talk with them to give them a one time payment but they would not hear of it. 
I just wonder what type of student loan takes 22 years to pay off XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

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 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
This company has listed 8 alleged accounts on my credit reports.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Apparently for as long as I am able to go back on my statements, American Express is not applying my payments to my cash advances correctly. I have been making thousands of dollar in payments however my cash advance balance is not reduced. I had to call them yesterday to manually fix the XXXX dollar payment I made on XXXX XXXX. I was told the payment was not being applied to my cash advance balance as it should. If it is affecting mine I am sure it is affecting other accounts than just mine. If their customer service would have took the time to look over my statements this may have been alleviated. However, the customer service agent made it seem like I was wrong right from the start until he got assistance from management and then told me I was in fact correct, payments are not being correctly applied. This is completely unacceptable and without excuse. The only way this can happen is if the automated system is manually manipulated, meaning this is done on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: ProCollect, Inc.
State: TX

Complaint narrative:
My wife and I were tenants at XXXX at XXXX XXXX  in XXXX XXXX, Texas. We expressed concerns via telephone and in person to the apartment management about our upstairs neighbors disruptive behaviors. They were loud ( music and parties ) during weekdays and weekends. Very frequently they had visitors and they were using our paid covered parking space ( picture attached ). We called the after hours phone number to report the incidents. We also notified management in person. Both of us have XXXX problems as we have mold XXXX. I suffer from XXXX and we had visible mold on the shrubbery and trees at both entrances which made both of us sick. We had a palm tree on the back entrance blocking our way and it was never trimmed ( attached picture ). 
The trash collection area was not kept clean, the mechanical box was not working and it was full most of the time. So, tenants were placing piles of trash bags on the floor ( attached picture ). Our apartment was just a few feet from the trash area. The smell was very strong and there was lots of flies. It was a very unhealthy condition. Due to these issues affecting our health and management not resolving our complaints, we decided to buy a house and move out ASAP. We notified management in writing of our early move and the reasons why we needed to terminate the contract. Management sent us an email stating that we needed to give them a 60 day notification plus pay for the early termination lease contract even though it was not any fault on our own. They failed to correct the problems reported to them several times. We paid every month of rent and left the apartment in good and clean condition. We also gave them written notice of early move out.

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 2020-08-01 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: MO

Complaint narrative:
Trans Union is reporting accounts as included in Bankruptcy that are more that 10 years old. In addition, they are reporting accounts in the Public Records sections that are showing a included in bankruptcy when they are not. They are also showing accounts that they say were verified with agencies that I no longer have an account and and have not had an account since XXXX, as they were refinanced in XXXX and paid in full. 

Court Name XXXX XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX XXXX XXXX  Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX XXXX XXXX   Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00}

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 2020-08-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have previously disputed inaccurate information on my credit report under the following codes ; 039 Serious delinquency 018 Number of Accounts With Delinquency 005 Too Many Accounts With Balances 008 Too many Inquires in last 12 months All of these codes are incorrect and reporting illegally pursuant to FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

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 2020-08-01 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: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank has my credit card mark as a late payment back in XXXX I called them to alert them to ask for a extension to pay the bill at a later date, Wells Fargo ok that I can pay the bill 20 fays later. And which I did, Next you know they mark me as a late payment. I would like to get that situation cleared up.

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 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NM

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX. On Sunday, XX/XX/2020 I processed two wire transfers each in the amount of USD {$500.00} to my father, XXXX XXXX XXXX XXXX using Moneygram.  The transaction numbers are : XXXX and XXXX. My father needs these funds because of the pandemic. 

While reference number XXXX was transferred after 24 hours, transaction XXXX is still in pending status and notes that it is " in transit '' on the online portal but has not yet reached my father. The receipt shows that the money has been sent but the online status shows it as still " in transit ''. I have attached both documents as well as the information about the successful transaction that was sent at the same time. While the unsuccessful transaction shows that additional information is needed, I have called Moneygram and chatted with the online agents every day, sometimes multiple times per day, to provide additional information without resolution. Each time that I reach out to Moneygram, they refuse to provide me with an agent number, allow me to speak to a supervisor or provide me with any additional information. The automated chat feature is disconnected by the agent each time I ask to speak to a supervisor or for agent information and the call center employees have hung up on me multiple times or simply not returned my phone calls after calling daily and adding my phone number to the queue. 

I also called my bank ( XXXX XXXX XXXX ) and they have confirmed that the money was successfully taken from my account on Sunday, XX/XX/2020. 

Moneygram has taken the money from me but I can confirm that the money has not reached my father, who I am in contact with daily. I am reaching out to you for resolution since Moneygram has not adhered to the remittance transfer rules that protect consumers nor their own terms and conditions outlined in the agreement I signed. I have attached additional documentation. Please reach out to me at XXXX ( the e-mail at my work at the XXXX XXXX XXXX XXXX ), XXXX ( the e-mail affiliated with the Moneygram account ) or XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
applied for a mortgage with Navy Federal Credit Union in or around XX/XX/2020 all required documents were submitted. Loan processor request LETTER OF EXPLAINATION and PAY STUBS which was submitted as well. underwriter response denied loan stating what my DTI were excessively high. 

after receiving denial letter I was confused by their boiler-plate response, see : Attached. 
no details regarding actually reason for denial- my highest debt would be a mortgage with NAVY CREDIT UNION on a owner-occupied duplex.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation