vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-02 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: PR

Complaint narrative:
I have a credit card with XXXX XXXX XXXX and financed with XXXX XXXX. The agreement was o payments o interest until XX/XX/XXXX they charged ne 38 every month and additional they report the account past due on my credit report. I submit a dispute and they corrected the credit report as outstanding for the month of XX/XX/XXXX. On XX/XX/XXXX they reported 30 days past due again and I made. I wanted synchrony bank to correct my credit report and eliminate the 38 charges for late payment. That constitute a deceptive and abusive action from XXXX XXXX. They also decrease approved credit limit.

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 2018-04-02 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: OH

Complaint narrative:
I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.

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 2018-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XX/XX/XXXX I lost my job and went through a loan modification with JP Chase. During that period my payments were lowered to make affordable. From XX/XX/XXXX = XX/XX/XXXX, I only worked XXXX position until I became permanent at XXXX XXXX in XX/XX/XXXX. At that time, I contacted Chase to see what I needed to do to get back on track. I was put on another modification, b which started in XX/XX/XXXX, whereas I paid an addition {$340.00} on top of my {$860.00} mortgage payment totaling {$1200.00}. 

Since becoming gainfully employed, I have made every payment on time. About 4 weeks ago, I tried to refinance with another company in order to get cash back for home improvements. At that time, I discovered I had a {$43000.00} ) subordinate mortgage. 

Over the past week, XXXX XXXX XXXX and myself I have attempting to get clarity from Chase and have gotten nowhere. I have been placed on hold, transferred several times, hung up on, been back and forth with different representatives for over one hour and still they can not explain to me what they did. In fact, they have asked me what they did, my reply, is, Im not quite sure, you did the transaction, so Im hoping you can explain it to me. 
Below is a table of balances : Principal Unpaid Principal XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX As you can see, something is not adding up. 

Any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: NJ

Complaint narrative:
On XX/XX/2017 I took a loan from XXXX. I have since paid back the loan, but also paid back an extremely high interest rate when paying back the short term loan. 


I have come to find out they charge an illegal interest rate of over 700 %. I have paid back beyond the principal and still continue to make payments that only satisfy an outrageous interest rate and other fees. I am struggling to make ends meet because of payday loans such as this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
I have had a problem with this loan company from day one. The tellers did not fully understand the loans themselves and did not properly explain the loan. I brought this to the attention of the store manager and district manager and I was given a {$200.00} rebate towards my account that was suppose to erase any late fees and finance charges. I was told on XX/XX/XXXX that the loan would be on track with payments of {$160.00} every two weeks. I continued to make my next payment on XX/XX/XXXX in store of {$160.00}. On Wed XX/XX/XXXX they left a voicemail on my work phone and I called the store back and the teller couldn't tell me why my account was in collection and I told her to not call me at work and she stated she would note the account. I called back to speak with the manager XXXX on XX/XX/XXXX and she states that a payment was missed on XX/XX/XXXX, a payment in which the corporate office told me was not due bc I switched loans ( from monthly to biweekly ). On XX/XX/XXXX they drafted my account for the second time at a higher amount {$170.00}. On XX/XX/XXXX XXXX called me on my work phone and I stated to her that I asked that I not be called at work. 

Company : Easy Money XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
XXXX XXXX XXXX is reporting false claims of late payments to my credit and the car has been deemed a total loss since XX/XX/2018. They have provided false information to XXXX XXXX slowing the claim process. I also had to contact the company multiple times to retrieve documents for XXXX XXXX and gap insurance. One representative told me that my account was being put on hold to prevent anymore negative reports and they still have reported these false claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX XX/XX/2018 Experian on page 19 of 20 under Former or Current Employers have information missing to my Employers I have sent XXXX and contact I formation as well as Check stubs to Experian and it has been month after month and no corrections made correctly on old reports it had my Employers as I'm stating them once again. This makes no sense on credit reports adding false information removing correct this been going on now for 7 months with personal information on Experian Experian does not put information on Employers correct and delete current ones as past ones as I have over 11 reports all with information right and the 2 months later current Employers been deleted by Experian or the wrong occupation this needs to stop and corrected as Experian does not update current information correctly or spell the names of Employers correctly as I have had on previous reports with wrong names.

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 2018-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
In XX/XX/XXXX when checking my credit report, I noticed that I had a collection account appear from XXXX XXXX XXXX in the amount of {$6700.00}. I have never received any written communication from Midland regarding this alleged debt. Midland reported the account as opened in XX/XX/XXXX, but I have never opened any account with Midland. It has not been reported on my credit file until XX/XX/XXXX. I disputed the account with XXXX, but that went nowhere and I did not receive any written reason or criteria, etc. I received a letter from Midland stating that my dispute was being investigated but received no follow up. On XX/XX/XXXX, I sent a certified letter to Midland requesting validation of the account ( attached ) which they received per postal records on XX/XX/XXXX. To date, I have not received any communication or validation of my account. I understand that there is a period of 30 days after the first written communication from the creditor in which a consumer can request validation. However, given that I never received a written communication I was never given the opportunity. I only found out about this alleged account when it appeared on my credit file. I want to heavily emphasize I have never received any written communication about this account. I believe this account is invalid, violates the FCRA, and should be removed from my credit file with all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/18 I checked my credit monitoring app and seen I had a new collection on my reports from a XXXX XXXX XXXX XXXX. I have NO knowledge of who this company is and the claimed debt of {$400.00} that is stated to be owed on my report. I have disputed this debt with XXXX. I have never been contacted by this company at all. I feel victimized and that it is a violation to maliciously place invalid, unverified, and unannounced accounts on consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: OH

Complaint narrative:
I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.

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 2018-04-02 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: OH

Complaint narrative:
I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
When our draw expired for our line of credit at Bank of America, I was told it would become a fixed rate loan during the pay back period. It is a variable rate instead. I did not pay attention to this until the payment started going up recently.

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 2018-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
A year ago I had a friend and her XXXX daughters on my XXXX account. My friend was able to get her own account. Her 3 phone lines and two new phones were supposed to be transferred to her. XXXX transferred the 3 phone lines, but not the phones. I spoke to XXXX quite a few times in XXXX of last year to get the phones transferred. I was then unavailable for the next 8 months. I suspended my account until I returned. When I returned, I was told by XXXX that my account had been cancelled due to a {$1900.00} debt. The debt was the phones my friend purchased. For 4 months I have been trying to get XXXX to transfer the phones to my friend, and remove the debt from my credit report. They have failed to do so. PLEASE, help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Summary of Problem : My rent check, which was made out to a business ( XXXX ), was illegally stolen and cashed into a personal checking account. I filed a fraud claim with my bank ( Bank of America ) against the bank with the check was cashed ( XXXX XXXX ). I also filed a police report which I provided to my bank for the fraud claim. XXXX XXXX will not respond to my bank at all and Bank of America has tried to close my fraud claim because XXXX XXXX will not communicate. 

Details : I sent my rent check to my landlord on XX/XX/XXXX. My check was stolen in the mail and illegally cashed on XX/XX/XXXX. The amount was {$1600.00}. 
The check was made out to to " XXXX XXXX XXXX '' which had XXXX in the title, which is obviously a business. XXXX XXXX XXXX utilizes a stamp with their name to endorse every one of their checks. 
The check was cashed at a XXXX XXXX to a personal account. The check had a scribbled signature on the back when I reviewed it in my account. The check should have NEVER cleared at XXXX XXXX. The account it was cashed to was a personal account. NOT A BUSINESS. The personal account also had no affiliation with XXXX XXXX XXXX. 
I filed a police report and the detectives were able to track down the person whos account the check was cashed to but was unable to make an arrest. 
I filed a fraud claim with Bank of America, which is my bank, and they can not recover the funds from XXXX XXXX. Bank of America has tried to close the fraud claim because they say XXXX XXXX   wont respond to them. Which seems like a lazy excuse to just give up on me and move on. 

I am getting completely screwed by XXXX XXXX because they let a check, that was made out to a business, get cashed into a personal account that had ZERO association with the business ( XXXX XXXX XXXX ) and not they are just ignoring legitimate claims that they should refund my money. 
I am also getting screwed by my bank ( Bank of America ) because they are not doing nearly enough to get my money back.

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 monetary relief
Consumer complaint received 2018-04-02 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Goldman Sach hard inquiry from XX/XX/17 that I did not authorize. 
Attempted to call, but reported that they had already completed inquiry so it could not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I had my loan in deferment and I needed to resubmit the papers for a hardship due to low income. It was around the time XXXX XXXX change to Navient. Navient said they never received my paper work and put my loan in a status of default. They double my loan and have been take my income tax the past year and this year and the amount is not take of my loan. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: Avant Credit Corporation
State: PA

Complaint narrative:
I took out a personal loan for 36 months in XX/XX/XXXX with no penalty for early repayment. The loan will be paid off XX/XX/XXXX with 91 % of the principal paid. My credit report does not reflect my payments or correct loan balance. After speaking with other customers who paid their loans early, I am now fearful that Avant will continue to not report the correct status of the loan and that they will continue to take automatic drafts out of my account after I make the last payment in XX/XX/XXXX. I am preparing to seek legal assistance if Avant does not honor the terms of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX my student loans with XXXX XXXX XXXX were paid in full in the amount of {$10000.00}. I received the confirmation number after the successful payment was made. I looked at my payment history and it stated that my balance was XXXX and it also stated that the account was 0 days delinquent. After the payment was made the balances of my student loans were updated on my credit reports to XXXX. It reports as positive on my XXXX report but it reports as a sold/transferred debt on Transunion and XXXX. I have disputed it many times but nothing has changed. Then on XX/XX/XXXX the U.S Department of education sent me a letter claiming that they were collecting on behalf of XXXX XXXX XXXX and also claiming that I owe them {$10000.00} plus {$620.00} interest so it came up to {$11000.00} all together. The U.S Department of education gave me 60 days to dispute the issue which I did. I sent them a letter as well as proof that it was paid in full and that it was 0 days delinquent and I asked them to get rid of my personal information. I thought the got rid of it but in XX/XX/XXXX they reported the alleged debt to the credit bureaus and sent the debt to XXXX XXXX XXXX XXXX. Enclosed will be the letter I sent to U.S Department of education and proof that my student loans were paid in full.

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 2018-04-02 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: TX

Complaint narrative:
On XX/XX/XXXX my student loans with XXXX XXXX XXXX were paid in full in the amount of {$10000.00}. I received the confirmation number after the successful payment was made. I looked at my payment history and it stated that my balance was XXXX and it also stated that the account was 0 days delinquent. After the payment was made the balances of my student loans were updated on my credit reports to XXXX. It reports as positive on my XXXX report but it reports as a sold/transferred debt on XXXX and Equifax. I have disputed it many times but nothing has changed. Then on XX/XX/XXXX the U.S Department of education sent me a letter claiming that they were collecting on behalf of XXXX XXXX XXXX and also claiming that I owe them {$10000.00} plus {$620.00} interest so it came up to {$11000.00} all together. The U.S Department of education gave me 60 days to dispute the issue which I did. I sent them a letter as well as proof that it was paid in full and that it was 0 days delinquent and I asked them to get rid of my personal information. I thought the got rid of it but in XX/XX/XXXX they reported the alleged debt to the credit bureaus and sent the debt to XXXX XXXX XXXX XXXX. Enclosed will be the letter I sent to U.S Department of education and proof that my student loans were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I previously filed a complaint XXXX. The company replied on XX/XX/2018. They attached a letter verifying the debt. They attached statements. The statements show my address yet the address is missing my apartment number, I live in a building therefore this seems to be a fraud account opened without my authorization.

Company response to consumer: Closed with explanation