vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I put security freezes on my accounts with Equifax and XXXX  in 2017. I received confirmation of the freezes and PIN numbers, from each service. I now want to lift the freeze so I can refinance a home mortgage. 
Both companies now say that I need a password, instead of a PIN. I have spent more than an hour trying to get information on how I can get a password, using the comanies ' online resources and " help '' or " service '' line. 
Equifax representatives have disconnected me twice, when I finally get in touch with a human who supposedly can help me. 
I can not get an option to speak to a human at XXXX, and their automated options don't include a solution to my problem. XXXX  's online resource, which is the only way that I can contact XXXX, reports that the companyt doesn't have an account with me, based on my DOB and SSN. This is notwithstanding the fact that I have a PIN from XXXX  from 2017, when the freeze was put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ClearOne Advantage, LLC
State: MO

Complaint narrative:
I enrolled in XX/XX/2019 and I was told it would take 3 to 4  months to resolve with my creditors. It is now going on 4 months. I was not behind in any of my bills I gathered debt due to the high interest. The phone calls from my creditors never stop. I am unable to get help from a Clear One representative.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Wa. XXXX ( XXXX ) ~XXXX~ XXXX Date XX/XX/2020, Creditor : XXXX, Client account : # XXXX Convergent Account : # XXXX Reduced Balance Amount {$250.00} Amount Owed : {$380.00} Total Balance : {$380.00} Additional Address : XXXX XXXX XXXX  XXXX XXXX, PA XXXX Change Service Requested I called XXXX and the letter is fraudulent. They will also report the company they say.

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 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I put security freezes on my accounts with XXXX  and Experian  in 2017. I received confirmation of the freezes and PIN numbers, from each service. I now want to lift the freeze so I can refinance a home mortgage. 
Both companies now say that I need a password, instead of a PIN. I have spent more than an hour trying to get information on how I can get a password, using the comanies ' online resources and " help '' or " service '' line. 
XXXX  representatives have disconnected me twice, when I finally get in touch with a human who supposedly can help me. 
I can not get an option to speak to a human at Experian, and their automated options don't include a solution to my problem. Experian 's online resource, which is the only way that I can contact Experian, reports that the companyt doesn't have an account with me, based on my DOB and SSN. This is notwithstanding the fact that I have a PIN from Experian  from 2017, when the freeze was put in place.

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 2020-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
On this date being XX/XX/XXXX I, XXXX XXXX is initiating a complaint against Rushmore Loan Management Services regarding my property located at XXXX XXXX XXXX in XXXX, New York XXXX loan number being XXXX. My monthly mortgage amount was {$350.00} from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXXmonthly payments commenced in the amount of {$330.00}. This complaint stems from the following and serves as the 2nd complaint against the Servicer, since XX/XX/XXXX : A ) Error Regarding Payment Remittance. 

Please be advised on XX/XX/XXXX I received the attached letter via email by a family friend who checks on my property and forwards any/all important mail when I'm out of town. In addition, I retain most of my important accounts with me when I travel. 

The attached letter states that my XXXX payment received by the Servicer was in the amount of {$300.00} short by {$47.00}. The Servicer states they are accepting the payment as a courtesy but I must remit the shortage with my next mortgage payment. 

On XX/XX/XXXX a money order from the United States Postal Service was purchased and submitted to the Servicer in the amount of {$350.00}. In addition, the payment was forwarded to the Servicer via Priority Mail. 

I am attaching the following as evidence of making the payment of {$350.00} to the Servicer : 1. US Postal Service Money Order Stub 2. Receipt for Money Order 3. Priority Mail Receipt I am requesting the Servicer to correct their Error and apply my XXXX payment in the amount of {$350.00} to my account accordingly. In addition, I requesting a letter from the Servicer rectifying this matter accordingly. Please be advised in XX/XX/XXXX monthly payments have decreased from {$350.00} to {$330.00}. However, I selected to make a payment of {$350.00}. It would be unlawful and unwarranted for the Servicer to fraudulently apply additional payments to my account when the payment of {$350.00} was forwarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2020-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have been working with Chase Mortgage Lending call center @ XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX. 
On XX/XX/2020 Mr XXXX XXXX my mortgage Advisor requested I pay {$500.00} in " Good Faith Funds '' for my file to go to Loan Review. He told me this {$500.00} would be a credit at closing. The property to purchase : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. A condo. 
On XX/XX/XXXX Mr XXXX sentan appraiser to this address. On XX/XX/2020 My sales agent told me this condo was in a fema flood zone and the condo assn. Does not carry flood insurance. Chase does not lend on flood zone property. The only remedy offered me is not having to front {$500.00} on another contract but pay again at closing. I want a {$500.00} refund as I do not want to deal with Chase Mortgage again and I am a XXXX y.o. senior citizen living on SS of $ XXXX  month. I was not truthfully told the purpose of the {$500.00} fee and I do not think an appraisal should have been ordered on a property in a flood zone. Contact info. At Chase : Mr XXXX XXXX Home Lending Manager of Dept @ XXXX. 
Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
Midwest Recovery Systems has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office 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 credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Disputed with credit bureaus many times. Merchants medical has yet to provide me with proof of this account belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2020-03-08 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I received a delinquent notice that Navient sent me to collections on a student loan that I never was behind or late on. I graduate from XXXX University in XX/XX/2019 and was a student when Navient reported me for being out of school since XX/XX/2019. I spoke with Navient and was told to submit an enrollment verification from XXXX University to them and they would remove the 90 day delinquent notification on my credit report and they reevaluated my time in school. I received a letter from Navient that stated I was in the grace period until XX/XX/2019 yet it shows that as of XX/XX/2019 on my credit report that I was 90 days late on my student loan repayment. How is this even possible when I was in a grace period and the letter I received from Navient shows that I was not late or at risk of being late yet they refuse to take this off of my credit? I shouldn't have this remark on my credit report and was told in XX/XX/2019 that Navient would remove this yet they haven't and now I submitted the paperwork to XXXX  and they refuse to remove it from my credit. My credit scores dropped over 100+ points in XX/XX/2019 and I have not been able to get them back to the state of over 615 like it was in XXXX 2019. I want this immediately removed from my credit report and Navient to be held accountable. I also know that when I looked more into the issue with Navient and they have class action lawsuits for this very reason and I don't believe that their inability to take responsibility for their errors should be placed on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
They permanently suspend my account for no reason they said that I violated section 22 d of the consumer agreement and that is not true XXXX XXXX refunded my money because I had the wrong product and yet they are suspended me over a product really and yet Im am XXXX XXXX XXXX and yet they are saying that Im unauthorized how there them make a false claims on me to make trouble for me how there they make these kind of claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
Sequium assest solutions has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office 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 credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Everyday, even on Sundays! They call every 45 mins to an hour. I know I need to make a payment. I have a pending WC claim from being injured at work. As soon as I have money I WILL pay them what I owe. Please help stop this! I cant take it anymore. Over 8 calls a day!!

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 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
I have tried on three occasions now to get LexisNexis to remove a bankruptcy they have listed on my profile.I have sent LexisNexis a written letter from the bankruptcy courts stating that they do not give out such information neither do they verify the accuracy of such records. I have proof that i sent my first letters to them on XX/XX/XXXX and they received it on XX/XX/XXXX, XXXX.They responded without providing me any copy of any original documentation of their claim. I sent a second round of letters to them on XX/XX/XXXX and they received it on XX/XX/XXXX. This time they did not respond at all to me within the thirty days nor after. When they failed to respond i sent them a thirty day non-response letter on XX/XX/XXXX which they received on XX/XX/XXXX. They again responded without providing me a copy of the original documentation which is required under the Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. They are also reporting addresses that i am not associated with that i will like to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This complaint is in connection with the CFPB complaints filed against XXXX, XXXX, and XXXX  on XX/XX/2020 Complaint numbers XXXX, XXXX, and XXXX for failure to provide proper documentation of a Wet Ink Signature contract with AMERICAN EXPRESS to validate the account reporting is accurate and confirmation there is a legal obligation to this company AMERICAN EXPRESS. I complaint was also filed against AMERICAN EXPRESS by the XXXX XXXX XXXX Complaint # XXXX for lack of professionalism, lack of full disclosure, and failure to provide Wet Ink Signature signed contracts to the Credit Bureaus or myself per section 609 of the Fair Credit Reporting Act. 
This particular complaint is because AMERICAN EXPRESS has not only violated section 609 of the Fair Credit Reporting Act but is now violating section 623 of the Fair Credit Reporting Act and Section 807 for Failure to Communicate that the alleged debt is disputed. 

As of Today XX/XX/2020, AMERICAN EXPRESS continues to report erroneous subterfuge on my person 's commercial credit report while under dispute. This is not only violations of FCRA, FDCPA, but Title 18 USC Fraud as well. The blatant disregard for Federal Law that AMERICAN EXPRESS is willingly choosing to ignore to violate my rights is causing me harm through my person which I may have to pursue legal action against them for Lack of Full Disclosure, Perjury, and Fraud with Scienter. I am keeping these records of communications in case I have to sue AMERICAN EXPRESS for willful non-compliance of Federal Law and violations of rights which will not only include {$1000.00} USD per inaccurate invalidated account but also {$10000.00} USD for every violation of Title 18. Please see attached screenshots for proof that AMERICAN EXPRESS is still reporting negatively without providing any contracts of proper documentation while under dispute. 

As stated by Attorney XXXX XXXX XXXX, of the FEDERAL TRADE COMMISSION, a printout of a bill or itemized document does not constitution verification. Also, without proper Wet Ink Signature contracts per section 609 FCRA, it is impossible to determine if the partial account numbers reported to the Credit Bureau 's are in fact accurate or not. Please see attached evidence per XXXX XXXX notifications that this company is still reporting which under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX  and transunon has inaccurate information on my credit reports. they refuse to delete. this information is not mine and has been deleted from the other credit bureaus

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 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax, XXXX  and XXXX  has inaccurate information on my credit reports. they refuse to delete. this information is not mine and has been deleted from the other credit bureaus

Company response to consumer: Closed with explanation