vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received a 30-60 days late reporting on credit reports from Chase Bank. The late payment was on my chase freedom unlimited credit card. After changing my address via Chase 's mobile app, my statements continued to be sent to my old address for multiple months. When our monthly payment amount changed, we did not receive a statement from the bank, and we believe Chase was still sending them to our old address. Because of this, we received a late payment report in XXXX of 2018. When our address was eventually changed in XXXX, we received our first statement in months, showing that we were late. We paid the required amount at this time and called Chase bank to inform them of the error. After their initial investigation they concluded no bank error was made, even though the statement were not being received, and we tried multiple times to request statements by changing our address on their mobile app. Now we have attached our credit card to our online banking, and so can see our statements online. I can attach them showing that they were being sent to an old address for months after we requested a change of address via their mobile app. I contacted them today ( XX/XX/2018 ) to ask that the item be removed, and to discuss in good faith before filing a complaint. They did not change their original ruling. They have concluded that there was no bank error, and that they do not have the capacity to remove the late payment unless a bank error was committed. However, its a fact that banks have utilized their access to XXXX reporting to remove credit reporting issues in the past, without specifically being required to prove bank error. I believe their explanation as to why they can not remove the credit reporting is false and meant to discourage me from pursuing further my endevours to reverse this ruling on my credit report. Possibly this claim, if false, could be considered unethical as it discourages those with legitimate disputes from pursuing further action based on incorrect information provided by the credit department at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Professional Claims Bureau, Inc.
State: NY

Complaint narrative:
I have on two previous occasions notified the collection company and the hospital that my only income is social security and I am unable to pay the obligation and my income is not subject to judgement. They continue to attempt to collect the debt and make threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: DISCOVER BANK
State: PA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account DISCOVER XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
This collection agency keeps calling all day long and later hours at nights too. I have told them that this is not my debt and to not back anymore in the future, but they still keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: AL

Complaint narrative:
I sent out letter and credit report from other bureaus of the deleted information that they are reporting on my ( Equifaxs ) I sent in the deleted documents that they keep coming back wrong for XXXX for bankruptcy still Equifaxs not giving me any documents to where they claim the info come back verified 60 days later nothing change the accounts are Defamation of of my Character and not helping with Credibility I will like the to delete this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I purchased all 3-credit reports from XXXX, XXXX and XXXX after being denied lending for a home loan in XXXX of this year. I sent a validation of debt letter to Portfolio Recovery Associates, LLC ( PRA ), XX/XX/XXXX requesting them to validate the debt within 30-day or delete the account from all credit bureaus. 

In return, on, XX/XX/XXXX the company ( PRA ) just sent me a letter/ bill for {$3900.00}. The letter also stated the account open date of XX/XX/XXXX for XXXX XXXX XXXX. 

On XX/XX/XXXX I sent a follow-up letter to PRA stating that the letter sent to me was not proper validation of debt per FDCPA. Again, I requested for them to delete this account from all credit bureaus. I did not receive any further correspondence or validation of debt from PRA. 

On XX/XX/XXXX I sent a final notice providing them proof of inaccuracies ( inaccurate balance, inaccurate payment history, inaccurate open date and no notice of dispute placed on my credit reports. Also, reminding them of the violations of not validating the debt per FDCPA. I demanded that they remove this account within. 

This company is blatantly violated my rights, purposely held my credit hostage and  hindered me from purchasing my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a loan with NAVY FEDERAL CU. 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 and NAVY FEDERAL CU with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX refuse to remove outdated information from XXXX XXXX XXXX/ On the file is shows XXXX. XXXX  stating delinquency is from XX/XX/2013. 

FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE.

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 2018-11-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX refuse to remove outdated information from XXXX XXXX XXXX/ On the file is shows XXXX. XXXX  stating delinquency is from XX/XX/2013. 

FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE.

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 2018-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
Hello, I have been paying back my loans as required. Recently I received a bonus from my employment and tried to do the responsible thing here and put it towards my loans. I went into the system and paid off one of my loans entirely. Afterward I went back in to find that the amount I paid which listed the full amount I paid {$5100.00} did not satisfy the amount. In looking back at the records it details/verifies that the amount I paid was in fact the full balance ( Principal {$4900.00} and Interest {$280.00} ). However, they are coming up with an additional {$280.00} that I owe. It's pretty clear they essentially didn't zero out the interest amount when I paid. However, when I called them to rectify they claimed this was a hidden amount not reflected in the numbers they had generated in the system for me to view. The service representative I spoke to then proceeded to tell me if they make an error or find later on that I should pay more money they are allowed to do so. That would breach elements of the program and basic contract law. 

The loan servicer is : PHEAA ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2018, I responded to an online promotion ( XXXX ) that Citibank was offering : Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : 1 ) Within 30 days of opening your account deposit {$15000.00} into the checking or savings account. 2 ) Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 
[ please see two " citi 400 '' attachments for details ] I was told the bonus will post within 90 days from the date I completed all of the requirements. 
I set up a new Citibank Account Package ( Regular Checking + Citi Savings ) on XX/XX/2018. 
I deposited {$15000.00} into my checking account, which cleared on XX/XX/2018 ( 14 days after opening my account ) [ see " XXXXk transfer '' attachment ], and left it in there for over 60 days. ( 74 days with a minimum XXXX balance ) [ please see attached, dated citibank statements ] It now has been 154 days since that {$15000.00} deposit cleared and I still have not had the bonus deposited into my account yet. 
I reached out to Citibank on XX/XX/2018 via their chat function ( as they have removed the ability to send a Secure Message regarding my issue ), and was told by representative XXXX, the bonus is deposited 90 days after the promotion requirements were fulfilled, you should get the bonus by XX/XX/XXXX. [ see " citi 400 log '' attachment for chat transcript ] It is now after the date quoted by the Citibank representative ( XX/XX/2018 ) and still no bonus has been deposited into my account. 
I have honored the terms of the promotion and feel the bank should be required to honor theirs. 
Thank you for your prompt support in this matter.

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 2018-11-29 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account NAVY FEDERAL CU Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FEDERAL CU was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they  responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Lake view is subservicing for XXXX XXXX. I have a property tax exemption that is on my account with the county assessor. Lake view and XXXX have refused to change the escrow account. They issue refunds once a year but, refuse to refigure the amount due monthly. This month I tried to have the overage of escrow of about {$1800.00} applied to my mortgage for coverage of a payment that was due. They refused to allow me to use the money. I am paying approximately {$160.00} a month too much in escrow and they refuse to recalculate. I had to scream for them to wave the late fee as they transferred the loan to Lakeview and Lakeview processed a payment anyway without authorization. Please refund my {$1800.00} and recalculate.

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 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On or about XX/XX/2018, I made an application online with Chase Bank for card member services business credit card. After time, i called and Chase said that they could not receive my documents or that way I'm sending documents ( faxed ), it looked like it could not be verified by myself. So, I went to the downtown XXXX XXXX Connecticut branch office on XX/XX/2018, then, they sent over documents on my behalf to cardmember services department. I have been getting run around saying that it's denied but, they only said they the way their receiving documents and someone else using my name, which I didn't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
This collection agency keeps calling all day long and late hours at nights too. I have told them this is not my debt and to stop harassing & calling me anymore in the future. I have a receipt showing that I have paid this XXXX  bill in full. The last time this collection agency called, the person that called stated that I had to call him by the end of the day or actions would be taken against me the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I HAVE BEEN TREATED SO BAD BY THIS CREDIT CARD COMPANY XXXX XXXX XXXX.. I HAVE TRIED TO FILE FRAUD WITH THEM THAT HAD BEEN ON MY CREDIT CARD FOR A WHILE NOW AND THEY WILL NOT HELP ME AT ALL. THEY CLOSED THERE ACCOUNTS AND ARE NO LONGER IN BUSINESS I BELIEVE AND NOW THEY WONT HELP ME AT ALL.. I WAS CHARGED FOR SEVERAL CHARGES ON MY ACCOUNT AND I NEVER AUTHORIZED THESE TRANSACTIONS OR DID BUSINESS WITH THESE SAID COMPANIES. I WAS SPEAKING WITH THE SAID COMPANIES BUT NEVER DID BUSINESS BECAUSE I WAS UNDER THE INFLUENCE AND WAS NOT ABLE TO MAKE THAT DECISION AT THE TIME OF THEM TRYING TO GET ME TO PAY THEM. WELL THEY ENDED UP GETTING MY INFO AND CHARGING MY ACCOUNT WITHOUT MY CONSENT WHICH IS ONE AGAINST THE LAW IF I WAS UNABLE TO MAKE DECISIONS UNDER THE INFLUENCE AND I NEVER AUTHORIZED THESE TRANSACTIONS TO COME OUT OF MY ACCOUNT. THIS IS SENIOR CITIZEN ABUSE AND THIS IS NOT RIGHT. PLEASE HELP ME GET MY MONEY BACK FROM THIS CREDIT CARD COMPANY THAT WILL NOT HELP ME ESPECIALLY NOW THAT THEY ARE GOING OUT OF BUSINESS OR WHATEVER THEY ARE DOING. I LIVE ON A FIXED INCOME AND CAN NOT AFFORD TO PAY FOR THIS CREDIT CARD BILL AND SHOULD NOT HAVE TO IF I NEVER AUTHORIZED ANY OF THESE CHARGES. THANK YOU FOR YOUR TIME IN THIS MATTER

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
We bought a XXXX XXXX XXXX through XXXX, using their in-house financing solution, XXXX XXXX. Somewhere down the line, a new provider, Bridgecrest, acquired our loan. 

Since then, they have been texting me about this loan, nonstop. XX/XX/XXXX was the start of the exchange. Each time, the car loan was current with a scheduled payment already in place from a verified bank account with available funds. See below for the transcript. 

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Me : I don't consent to these kinds of text messages. Our bill is already paid Them : Your scheduled Bridgecrest payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your Bridgecrest payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 
Me : Please stop Them : Thank you for your recent Bridgecrest payment of {$290.00}. Please visit www.bridgecrest.com for full details. For help : HELP. To opt out : STOP.

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your scheduled Bridgecrest payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your Bridgecrest payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 

As you can see, they're sending these out without consent, which, even if given ( which, I doubt I had ), had been expressly revoked over a month ago. I am unable to resolve this issue without intervention.

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 2018-11-29 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: Ocwen Financial Corporation
State: MO

Complaint narrative:
I had a junior mortgage that was discharged ( not-reaffirmed ) in bankruptcy in the mid-XX/XX/XXXX. This mortgage was originally owned by another loan servicer until XXXX  XXXX XXXX acquired the company. From the mid-XX/XX/XXXX to XX/XX/XXXX, this account has been on my credit report as an open account, included outstanding debt, and a thirty day late notice. I recently learned this practice is not allowed and constitutes multiple FCRA violations. 

Once I disputed these problems, Ocwen started cleaning up the credit reporting, but there are still longer term ramifications for these violations, like higher interest rates on vehicles and homes. 

I am currently working towards an amicable resolution for their willful negligence on the handling of my account. If we can't come to an accord, I may take direct legal action against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I have a loan with 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  and XXXX   XXXX with no successful resolution.XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.

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 2018-11-29 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: AL

Complaint narrative:
I sent out letter and credit report from other bureaus of the deleted information that they are reporting on my ( XXXX ) I sent in the deleted documents that they keep coming back wrong for XXXX for bankruptcy still XXXX not giving me any documents to where they claim the info come back verified 60 days later nothing change the accounts are Defamation of of my Character and not helping with Credibility I will like the to delete this

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