vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple letters to Experian disputing validation for an account they are reporting on my credit report. Experian has not provided me with any proof of validation, but instead just sent me a letter stating they have completed their investigation and no change was made as to the reporting status. I sent more letters stating that they are violation of FCRA Section 611 and that proof a validation and proof from the investigation is to be provided to me if asked or requested. Experian still sent me the same letter as before stating that they have completed their investigation and no change in status and that they have validated the information to be correct. Again I asked for proof of validation and Experian failed to provide me with any proof. I waited approximately 30-45 days between each letter. I gave Experian ample enough time to complete a thorough investigation and Experian has not been able to provide me with an documentation from any of their investigations. I then decided to call Experian and spoke to XXXX in the dispute department, who would not give me any other identification, who stated that Experian does not have to provide any proof of validation or any documentation from any of the investigations they have done from my disputes. XXXX stated that Experian does not have to tell how they validated any of the information and all they are required to send to the party disputing is only the results of the investigation with no documentation supporting their outcome. According to FCRA 611 ( 6 ) ( B ) ( 3 ) ... '' If requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information to the telephone number of such furnisher, if reasonably available ''. I have given Experian a reasonable amount of time to provide me this information and they have failed to do so. I strongly believe that Experian is using the XXXX  XXXX to validate my dispute. I want my dispute to be upheld and expect Experian to delete the entity from my credit report as no proof of validation has been acquired. The entity itself has not even been able to provide me with validation, therefore how can Experian have validated something that the entity itself can not even validate. Experian is not providing valid and effective investigations into my dispute.

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 2019-04-12 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: MONEY SOURCE, INC., THE
State: NV

Complaint narrative:
The Money Source mortgage company purchased my loan during the 1st quarter of 2018. Between them and the old mortgage company, I was repeatedly contacted about not having homeowners insurance throughout 2018. I've had the same homeowners insurance from my previous home to the new home, during purchase of the new home and supplied to the title company, and that I currently hold today. I myself as well as my insurance agent kept providing proof for every other request assuming the next request was in passing of data filing and was already in the mail. 
Near XXXX XXXX payment The Money Source ignored all our proof of insurance without reason and applied forced insurance. The Money Source rejected all methods of payment except by mail. They took my payment and never applied it to my account. The Money Source tried to force me to purchase their homeowners insurance. After serval months of fighting all while we continued to make our payments The Money Source not only admitted their error but also refunded over charges. After they admitted their error they reported me to the credit bureaus of my failure to pay on time. I asked them to remove it because I proved my prior case and they refuse. This is an illegal report per the fair credit report. I was wrongfully charged, over charged, and illegally reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
This company sent me a letter stating they represent the IRS. The letter states an incorrect amount and doesnt reflect the payment arrangement made with the IRS. This debt was paid today. I want this company to stop sending me communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Today I spoke with XXXX XXXX who was really rude. I made a payment plan with portfolio recovery for a XXXX XXXX account. I also made a payment arrangement for XXXX account after being coerced into doing so even though that account was long closed. My money was taken out of my bank account for both accounts. I called and spoke with XXXX XXXX regarding the accounts and was told the payment plan I set up was no longer in place because I made a dispute with XXXX. I asked why and was told by XXXX this account will stay on my credit and if I dont pay it it will damaged my credit. I know my XXXX account was closed and yet portfolio kept it on my credit report. Im scared of what they would do next to damage my already damaged credit. I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Capital One called me of a period of 6 months everyday between 7 am and 9 am Hawaii standard time hounding me to pay my credit  card bill when I asked them to stop calling me and harassing me also the calls were from XX/XX/2018 to XX/XX/18 daily even after I Asked them to stop calling me and put my name on the do not call register I have hundreds of calls from them which is a violation of the law all which are on my voicemail. I finally had to block them but I am still receiving calls please help me this is unacceptable their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
So I recertified my income driven repayment plan in XX/XX/XXXX as always. It was repaye. However, since I had gotten married in XX/XX/XXXX I was worried about my monthly payment increasing. After some research I decided that it would be best to switch my repayment plan from repaye to paye as I had planned on filing married but separate next year. So after 2 phone calls to navient I finally got the application completed that stated I want switch repayment plans ( which later a navient supervisor XXXX said I filled out perfect ). Almost a month goes by and my plan doesnt change. So I call in and the rep is dumbfounded. She talks to processing and they say I need to fill out another application but pick recalculate instead of change my repayment plan even tho I want to change my plan. I wasnt gon na do it just wait til recertification but then I figured Id do it and avoid the headache. So I do it and wait. In meantime tax deadline is coming so my wife and I file married but separate as planned. Check navient and still on the same repaye plan despite reps making note that I want switched to paye. So I call navient again and explain everything and the rep refuses to understand that I want to switch to paye so that my wifes income is not accounted into my monthly payment. She even put me on hold to look up the difference in the plans! Then tried to explain interest benefits and I got frustrated and asked for a supervisor. When finally transferred XXXX reviewed my case, said my initial change plan app should have been accepted. However since they mislead me and me fill out the recalculate app I had to yet again fill out a change my plan app. This XXXX me off because I was forced to use and upload a tax return that I did not want to yet, I wanted to switch plans with my single income then recertify under paye married but separate. I am still awaiting for the switch. Ridiculous. Also their staff should know the plans I shouldnt have to give references when I call. Amateur hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In 2017 my wallet was stolen. It contained my drivers license, social security card, credit cards and other information. I have contacted the companies, filed a police report, and contacted all of the credit reporting agencies. I placed an extended fraud alert. The other 2 agencies removed the fraudulent inquiries. Equifax removed some but not all of the fraudulent inquiries. I have sent the required information to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In 2017 my wallet was stolen. It contained my drivers license, social security card, credit cards and other information. I have contacted the companies, filed a police report, and contacted all of the credit reporting agencies. I placed an extended fraud alert. The other 2 agencies removed the fraudulent inquiries. Equifax removed some but not all of the fraudulent inquiries. I have sent the required information to them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 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: LA

Complaint narrative:
Transunion is reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a transfer of {$1000.00} through Online Banking using my Chase account. Chase uses XXXX to transfer funds. On the day of the transfer, the recipient, who uses telephone number XXXX XXXX XXXX and is also a Chase customer, received a text message regarding the funds. This transfer had been successfully processed in the past to the same person. The next day the intended recipient advised me that the money was not in his account. The funds should have been immediately in the account since the transfer was already on file. After a few days of nonreceipt of funds, I initiated a claim with Chase and was provided with a provisional credit. On XXXX XXXX, my Chase account, to my surprise, was showing as overdrawn. Chase had debited the {$1000.00} and sent me a letter indicating that they had completed the research for the transaction reported on XX/XX/2019 and that the claim is now closed. That same day, I went to a Chase branch ( XXXX XXXX XXXX., XXXX XXXX, FL XXXX ) and was advised that there was nothing they could do for me since the transaction was completed through XXXX. The staff at the branch was not helpful at all. As a matter of fact, the Branch Manager kept looking at me as if I was lying. You don't know how frustrated I felt at the moment, not knowing what to do. No one was providing solutions nor suggestions. It seemed like everyone was so careless. I spent the entire night trying to contact someone higher than a representative at XXXX but they told me they couldnt assist me. I ask them to connect me to their Claims Department. They indicated to me that they didnt have one. The only thing that I know is that the funds were sent to an account holder at XXXX who has the same number as the intended recipient at Chase and no one seems to know how that happened. The intended recipient has not changed his cellular number and in the past, the same transaction was completed successfully. I need someone to assist me and/or guide me in the right directions and what actions, if any, I need to take. It appears to me that Chase nor XXXX are taking any responsibility on this matter, in accordance with the terms and conditions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I have had my student loans with Nelnet for 12 years now. After dealing with them over the last decade I can confidently say the Nelnet uses predatory practices to take advantage of vulnerable students. I graduated in 2011, in the middle of a recession when jobs were scarce. It was impossible to talk to anyone at Nelnet regarding my payment options. I tried calling on multiple occasions and was never able to talk to anyone human. The robot that talks to you actually hung up on me a majority of the time. When I went online I had been locked out of my account and was told to call the number that repeatedly hung up on me. Not once did I ever have anyone walk me through my repayment options when I was actively asking. After all my effort, the only contact I received from Nelnet was a bill in the mail. When I was able to finally take care of my repayment options I was told that forbearance was my only option. I never had anyone mention other repayment plans or options that I had. In fact, when I got my forbearance it was entirely with a robotic automated message. I'll repeat that in case it didn't sink in. They put a forbearance on my loans without me ever talking to a real person! It has been 12 years and I still have never spoken with real person from Nelnet, the bills still keep on coming though.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In the midst of both cash and credit card fraud by online theft, and telephone threats, I paid through XXXX XXXX upwards of {$1300.00}. plus {$540.00}. through a XXXX charge. XXXX was able to reclaim and reverse the charge to my account housed there in. Yet Chase Marriott has and continues to refuse the remove the fraudulent charges dated XX/XX/XXXX which included the purchase of three XXXX   @ $ XXXXea, and then a shipment fee at a local postage store for {$64.00} for a total of {$2100.00}, still outstanding on my Chase Marriott Visa Account. I have ordered copies of the Statement dated XX/XX/XXXX, which was the first Statement received from that company. Now I have a new account number and a new card, but still these charges have not been removed from my debt. They have become buried in the pile of debt to be collected [ or written off when I die ]. I expect to live quite a bit longer, just as both of my parents who lived into their XXXX 's. So carrying around this bad debt which is not my own is not ethical. That is what I told Chase Marriott again today, when requesting a dispute and removal be done. I was told multiple dates of how long after a debt was charge the account holder had to dispute the debt. It was 118 days from the date the bill was sent, or 60 days, from the date of the charge. I was also told by the Supervisor at Chase Marriott Visa today, XX/XX/XXXX that they did not have access to this statement or these charges. I do and would be more than happy to share the facsimile copy I have kept on file after asking their office for a copy of the XX/XX/XXXX stmt. issued for payment on XX/XX/XXXX. The first statement on the account. There is something very suspicious going on here and I do not intend to pay the defrauded portion of the bill and interest accumulated on it over the last five [ 5 ] years. Please advise Chase Marriott Rewards aka Marriott Rewards, XXXX XXXX XXXX, XXXX, DE XXXX that I want the total amount of charges, plus all accumulated interest to date removed from my account immediately. I know this can be done, since this within this same period of time, The XXXX XXXX charges associated with their own fraudulent activity are being redistributed to myself and others in a large law suit. [ See United States vs. The XXXX XXXX XXXX, Remission Administrator, for those details ].

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MID-ISLAND MORTGAGE CORP.
State: NY

Complaint narrative:
i had trouble with getting a mortgage broker in new york state to comply with the transfer of my FHA case # to my new choice of a FHA XXXX XXXX XXXX XXXX. 

I XXXX XXXX would like to cancel my loan with Mid Island Mortgage. I would like the FHA case # XXXX assigned to my property transferred to XXXX XXXX Mortgage ( ID # XXXX ) Please advise once this transfer has been made. 
Thank you XXXX XXXX, XXXX & XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I applied for a credit card from XXXX XXXX on XX/XX/2019, Reference number XXXX. 
I received a letter dated XX/XX/2019 from XXXX XXXX XXXX stating that my application has been denied for reasons such as no having enough credit references, etc. 
They provide a phone number that I can get a free report. I call the number but after entering my information it says I do not have a recent denial of credit. 
I have an excellent credit and my credit score is about as high as it can be. This is not the first time I am applying for XXXX XXXX credit card and be denied while having excellent credit. 

I called the XXXX XXXX XXXX located at the address of this letter : XXXX XXXX XXXX XXXX, XXXX, NC XXXX but their system does not allow me to talk to a human. Also I called the credit agency Experian at XXXX and they do not give me any option to report this issue. 
I need help. 

Thanks

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 2019-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I found out yesterday morning that this company was tryin to sue me for a alleged debt. And possible jail time!! I have never received any letters or anything!! Also, XXXX XXXX is leaving threatening voicemails!! And later on yesterday afternoon tht same company called my brother tht i haven't spoken too in 8 yrs & threatened to come by his house to locate me!! I have no idea how they got his information. The first file i uploaded is the voicemail the company left my brother yesterday. The second file is the voicemail they left me today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I received a phone call on XX/XX/19. Caller left a message by the name XXXX XXXX in reference to my student loans to discuss repayment options. I had just paid mine off so this voicemail seemed like a scam but the caller sounded like a regular person and not automated. They gave a number to call back to, XXXX. This number came up on the whitepages as low risk scam. The caller called from XXXX. This number came up as high risk spam. They gave me a reference number XXXX. I did not call either number. This voicemail is a scam.

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 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: KS

Complaint narrative:
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

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