vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
This involves a Chase Advantage ( checking ) account. It's like a credit card, but used by checks only. The account was under my husband 's name only ( contractually person ), I as his spouse was " authorized user ''. My husband passed away XXXX XXXX, XXXX. I went to Chase Bank with Death Certificate and they " refused '' to write account off ( no explanation as why the refusal ). I was " forced '' to change account to my name, so I did. At time of death the balance was {$3600.00}. I faithfully paid on account, but XXXX, XXXX I paid account off as it was unusable since XX/XX/XXXX ( Chase no longer honored this type account ). I paid {$1900.00} ( with a no interest credit card till XXXX ) + {$10.00} interest billed in XXXX. I read an article in XXXX bulletin about Death & Debt and it stated that an " authorized user '' may not be responsible for debt balance due at death. So, I wrote a letter to Chase requesting that they please consider paying me back what was owed at time of my husband 's death, and gave it to Branch Manager on XX/XX/XXXX, and I HAVE NOT HAD ONE RESPONSE TO MY LETTER which is really very frustrating. I may be a XXXX year old widow, but that's not an excuse to completely ignore my request. I have consulted an Attorney and he was the one who gave me this information about your Website. I will forward the letter that I wrote to Chase as it has lots of detail in it. I hope this information is helpful to start process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-09 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: MO

Complaint narrative:
The accounts listed below are still reporting to XXXX, TRANSUNION, AND XXXX. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention

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 2019-01-09 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: MO

Complaint narrative:
The accounts listed below are still reporting to EQUIFAX, XXXX, AND XXXX. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Falls Collection Service Inc.
State: WI

Complaint narrative:
Hello, I'm a victim of identity theft. And many accounts were forward and established with this compnay without my consent or signature. 

I recently sent documents around XXXX of 2018 adressing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a loan with CHASE CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
Good Morning. 

I went to XXXX XXXX on XX/XX/XXXX for an minor incident. All my details were provided to the Hospital with my insurance card. My insurance was provided by my Employer and it's with XXXX XXXX XXXX. Hospital charged XXXX to my insurance and the claim was settled. Then Couple of months later received a call regarding doctor 's bill and asked for my insurance details. I shared them the same details which I shared with the hospital. After that, I did not receive any call or letter. 

A Year later, received a call from Collection Agency regarding this Bill. I was shocked and asked them for the claim details. They said the claim was rejected by my insurance company. So, I had a three way conference call between XXXX, Myself and Collection agency. My Insurance company confirmed that the claim was never submitted and only the hospital bill was submitted. My insurance company was ready to pay them if they can send the proof of rejection. They did not share any details but kept calling me everyday with a discounted price instead of sending the proof. I even asked them to send the Doctor 's Bill and Proof of rejection to my mail address - So, I can claim it directly to my insurance company. But, they did not send any info and stopped calling. Now, After almost 4 Years I got a call from a new company Phoenix Financial Service and they also gave me a discounted price which I am ready to pay. 
They also reported this to credit agencies as service date as XX/XX/XXXX and my credit score is reduced due to this. So, this Derogatory mark should be removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: TX

Complaint narrative:
I received notice from my credit monitoring about my loans. Upon review the changes in the loan amounts I found several of the loans were increased approximately double from the original amount ; all but the most recent and these aren't accurate either. I have saved documents from Navient for each loan, a saved accounting document from the University confirming the loan dates and amounts, and I also have saved pictures showing the changes in my credit report from my credit monitoring service. 

This is completely unprofessional and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: TX

Complaint narrative:
I have provided Equifax with proof that three accounts on my credit report are due to ID theft. Equifax employees have stated that my FTC affidavit is valid, but they are refusing to block even though I have never requested for those items to be blocked before. They also stated that they have received my documents on XX/XX/XXXX it is now XX/XX/XXXX. Per the FCRA the items were supposed to be blocked within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Freedom Mortgage consistently mis-applies my monthly payments to the incorrect accounts. In this most recent example, an additional principal payment of {$3000.00} was applied to my escrow account. They really are a very poor mortgage servicer.

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 2019-01-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Asset Recovery Solutions, LLC
State: TX

Complaint narrative:
AssetRecovery for XXXX XX/XX/2018 {$6500.00} {$7800.00} I filled out and received XXXX  & personal XXXX as of last year.. 
Both companies keep calling me all day everyday to collect the debt I have already filed for and they are leaving it on my credit report, damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a complaint against Equifax for their violations of the Fair Credit Reporting Act. 

On XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. I requested verification of the information being reported by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I questioned the accuracy of the information being reported as it doesnt match my records. My understanding of the FCRA is that any information that is not 100 % accurate must either be updated to reflect its accuracy, or promptly be removed from my credit report. I have spent more time than necessary to get Equifax to report the account information correctly. Both XXXX  and XXXX have completely removed these accounts from my credit reports because they were not able to verify the information. I know that these companies are different, but how can Equifax continue to verify inaccurate information?? At this point I am thinking of seeking legal assistance because what they are doing is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
Roundpoint Mortgage is showing negative payments and actually reported negative on XX/XX/XXXX, I filed Ch XXXX Bankruptcy in XX/XX/XXXX. This is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Innovis
State: NC

Complaint narrative:
XXXX XXXX  is showing negative payments and actually reported negative on XX/XX/XXXX, I filed Ch XXXX Bankruptcy in XX/XX/XXXX. This is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: CA

Complaint narrative:
I cancelled my membership at the XXXX XXXX XXXX months ago, I paid off the remaining month and was told leaving out of there that I had no worries remaining on my account. However, fast forward a few months later and I receive a notification through my credit tracking app that a new account is in collections for {$140.00} and it is pertaining to the membership I had at XXXX  XXXX. I call the local XXXX  and am told I have been sent to collections and that they can not assist me, that I must call the collector. I called First Credit Services and they couldnt even find the information pertaining to my account, it took a floor supervisor 20 minutes to be able to pull up my information from which they could provide no dates or reason on why I owed this money. I received no notification from XXXX  XXXX about outstanding debt, if I wouldve I would have paid it immediately. I am rather surprised that this would occur, as my relationship with XXXX XXXX had been great up until then now I have a collection account that is unfairly hurting my credit score. I have no answers to why I owe this money if I had cancelled my membership, to why I wasnt contacted about this money in the first place, and to why I am suddenly in collections. I also contacted the billing agency known as XXXX XXXX  XXXX   and they declined to give me anymore information stating that it was already sent to collections. I deserved to be notified first by this billing agency per the FCRA that I owed this money prior to it going to collections, which I was not. This is a disparaging to say the least I don't know how First Credit Services can try to collect a debt that is invalid and not owed in the first place. However, their simple way of continuing to collect the debt is by saying, '' we are only a 3rd party collection agency and have no jurisdiction over the initial process between the debtor and consumer ''. It't unethical for them to behave with these business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX for Navient XX/XX/2018 {$6500.00} {$7800.00} I filled out and received XXXX  & personal XXXX as of last year.. 
Both companies keep calling me all day everyday to collect the debt I have already filed for and they are leaving it on my credit report, damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
I cancelled my membership at the XXXX XXXX XXXX months ago, I paid off the remaining month and was told leaving out of there that I had no worries remaining on my account. However, fast forward a few months later and I receive a notification through my credit tracking app that a new account is in collections for {$140.00} and it is pertaining to the membership I had at XXXX  XXXX. I call the local XXXX  and am told I have been sent to collections and that they can not assist me, that I must call the collector. I called XXXX XXXX XXXX and they couldnt even find the information pertaining to my account, it took a floor supervisor 20 minutes to be able to pull up my information from which they could provide no dates or reason on why I owed this money. I received no notification from XXXX  XXXX  about outstanding debt, if I wouldve I would have paid it immediately. I am rather surprised that this would occur, as my relationship with XXXX XXXX had been great up until then now I have a collection account that is unfairly hurting my credit score. I have no answers to why I owe this money if I had cancelled my membership, to why I wasnt contacted about this money in the first place, and to why I am suddenly in collections. I also contacted the billing agency known as XXXX XXXX  XXXX   and they declined to give me anymore information stating that it was already sent to collections. I deserved to be notified first by this billing agency per the FCRA that I owed this money prior to it going to collections, which I was not. This is a disparaging to say the least I don't know how XXXX XXXX XXXX can try to collect a debt that is invalid and not owed in the first place. However, their simple way of continuing to collect the debt is by saying, '' we are only a 3rd party collection agency and have no jurisdiction over the initial process between the debtor and consumer ''. It't unethical for them to behave with these business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc.
State: UT

Complaint narrative:
Third District Court has issued a Pretrial court date on XX/XX/XXXX at XXXX which I will provide the Judge XXXX the first police report of my home being broken into by criminals after I was threaten to not to go to the police and the second police report in regards of my XXXX  accounts being taken over and fraudulent checks deposited and then used by criminal without my knowledge and then asking the bank to do a FRAUD investigation in which XXXX assumed I gave out my password which is FALSE there is just too many issues surrounding this case and NAR inc lack of disclosure to the courts that I am XXXX on XXXX benefits and all my assets are judgement proof. Secondly, NAR inc has withheld information to the courts of fraud stating there was no Fraud so I submitted to the courts copies of all the FORGERY checks put in my name that were documented by their client XXXX. Additionally NAR inc previously ignored my Debt validation letter stating it was frivolous even the though the law states clearly under the FDCPA of my rights to dispute the debt and collection activities must cease regardless if they feel the letter was generic it should have been honored especially considering there was FORGERY CHECKS on file. The verbiage was legal and they willfully ignored the law and pursued collection attempts anyways. Furthermore, they have notified the courts of a false alleged attempt of serving papers when I wasn't even in the state of XXXX  after having my life threatened I left and went to XXXX for a period of time for my safety. As of now the Third District court after receiving the copies of FORGERY checks, and the fact I wasn't in XXXX  set ASIDE the judgement and issued a court date XX/XX/XXXX at XXXX. Which I intend to explain to the Judge in full detail of the situation and information being withheld including the second police report which I will have in court. NAR inc needs to be investigated by the XXXX  attorney general office for its shady and bad collection practices. I went to XXXX reviews there is countless back to back complaints of consumers seeking help with filing complaints against NAR inc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello, to may it whom concerns I was running a small company test for less than 90 days before opening my business credit and debit card. There was an incident that happened with my company and the merchant that was involved to receive my payments so they could ship the products to my customers but they canceled the transaction prior when the purchased occurred. 

However, I have contacted the merchant company which was XXXX to asked what happened after a couple of days without my knowledge of knowing what had happened. I recall one of the customer service said the transaction was canceled within 24 hours so which clearly means the products didn't get fulfilled for my customers.

From this point I'm confident that they will release/refund my money which they did, they simply refunded within 72 hours. So which means banks release the money within 3-5 business days to my account.

I have waited for more than 10 days, I was like maybe something went wrong with the merchant so I contacted them and they said usually this takes 3-20 business days, so I'm satisfied and moved on with my month, 30 days passed and still, nothing is happening. I definitely contacted the bank and told them that I still didn't receive the money. 

I filed a claim dispute on XX/XX/XXXX. The bank reached out to the merchant on XX/XX/XXXX. Literary the bank took that much time to reach out, their word was " 90 days '' to get this solved. 90 days passed around XX/XX/XXXX, and they said : " we have to wait until 90 days for the merchant to get back to us. '' What totally made me reach out to you guys was, this has been almost more than 100 days since when they said " 90 days '' for the consumer, not the merchant. 

I would like my funds back. All I wanted was them to push that button and release my money to my account since the merchant already refunded me. I lost my trust with Bank Of America, I would like you guys to come in and help me with this case because they clearly give zero XXXX for the customers. 

Thank you,

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