vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 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: MO

Complaint narrative:
I'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 

XXXX ] XXXX  {$940.00} XXXX XXXX XXXX XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 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: Capital Accounts, LLC
State: MO

Complaint narrative:
I'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 

1 ] Capacctll {$940.00} 2 ] XXXX XXXX {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 

1 ] XXXX  {$940.00} 2 ] XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I signed an agreement to have my account debited for flex payments ( twice per month ) but come to find out, they set me up for monthly ACH which I did not agree to at all. In addition to this, I sent an email inquiring about my ACH set up and no one followed up. In addition, I also asked how to add an authorized person on my account and again, no one replied. The form was received because they debit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
For some odd reason XXXX believes my card was fraudulently opened. Once I got that straightened out they turned it back on and I was able to use it for a day. Then all the sudden it has been reported as " lost '' according to them. To which I have to call the fraud department to get it fixed. This is an ongoing problem that needs fixed, and resolved! I have not reported it stolen, I have it in my custody, I am looking at it as I type this complaint. Nobody seems to be able to help, It is very embarrassing to go to use a card that you know has plenty of money on it for it only to be cancelled unbeknownst to you. Yet they sure are happy to take my money for a payment!

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 2019-07-12 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:
My identity has been compromised and I have sent in a police report months ago and these accounts should have been removed. I also have an letter of XXXX  inwhich proves I'm not responsible for these accounts nor do I have any contract with any of the following companies and asking that these accounts be removed immediately. 

1 ) XXXX {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX   {$760.00} 4 ) XXXX XXXX XXXX {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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:
My identity has been compromised and I have sent in a police report months ago and these accounts should have been removed. I also have an letter of incarceration inwhich proves I'm not responsible for these accounts nor do I have any contract with any of the following companies and asking that these accounts be removed immediately. 

1 ) XXXX  {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX  {$760.00} 4 ) XXXX XXXX XXXX   {$950.00}

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 2019-07-12 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: MO

Complaint narrative:
My identity has been compromised and I have sent in a police report months ago and these accounts should have been removed. I also have an letter of incarceration inwhich proves I'm not responsible for these accounts nor do I have any contract with any of the following companies and asking that these accounts be removed immediately. 

1 ) XXXX {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX XXXX {$950.00}

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 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had an account and I opened my daughters account, because she is & was under age. But recently she lost her wallet and some fraudulent active was going on. When she notice those transactions, she quickly reported her card lost. But after she did that, she use my account to transfer her work check into my account and withdrawal what was left of her paycheck with my debt card. I filed a police report after, I was told I could. Today I sat with the police and was able to access my online banking to file the report. I made a call to inform chase that I have filed a police report and filed a claim as I am suppose to as a victim of fraud, instead that there was no reason that she could give on why both of the accounts had to be closed, because they reserved the right to end a banking relationship anytime. And after getting hunged up on by that representative, she locked me out of my online banking. I am single with XXXX children and I knew my check was going to be deposited at XXXX, and they stated to me that I would still be able to see my account active, but locked me out? ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have never received a call or letter from this company and was COMPLETELY unaware of this debt until I went to purchase a car and they pulled my credit report and told me my score. I need this collection solved as I do not know anything about this debt and my credit is VERY important to me because I want to be able to purchase a house soon for my family. 

I am willing to do a pay for delete even tho this is not my debt. I just do not want it on my credit report anymore since it is severely impacting my credit and life. I am a single mother with XXXX kids and my credit is very important to me. Please respond so I can get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Days Late Marks - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX 60 Days Late Mark - XX/XX/XXXX - 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.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Despite repeatedly providing my identification, social security number, address and name, the consumer reporting agency refuses to provide me with a copy of the report. I am entitled to the report because I was : ( 1 ) Denied a bank account based on the report ; and ( 2 ) Requested only a single report in a 12 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
XXXX XXXX reopened a closer and charged off account that was closed in 2017 and is now reopened an account that was closed for XXXX XXXX XXXX is also doin the same reopened an account that was charged off and closed in 2017 for XXXX I had 10 accounts closed and charged off in 2017 there were closed and the company 's took a lose got credit up to XXXX and at beg of year they responded a closed account and has dropped my credit they can not reopen analready closed and charged off account and try to collect 2 years late it has screwed my credit up again I want it to stop they already took a lose in those accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: NY

Complaint narrative:
I have several loans managed by Navient. some of these loans were consolidated from other companies. Most of loans were federal subsidized and unsubsidized. the lowest interest rate I pay is 3.125 % and the highest I paid was 9.75 % on a training loan. Most of my outstanding loans abo

ut ( {$62000.00} ) is at the rate of 6.8 %. I graduated in XX/XX/XXXX and for couple of years I did not make significant payments into the loans, except of a loan to
Sallie Miae, which was consolidated to Navient in XX/XX/XXXX. the total I borrowed in this loan is {$18000.00}, I consistently paid {$180.00} monthly since XX/XX/XXXX. Even when I was late next month I paid the late charges and the missed month. so far I paid over $ XXXX of this loan and still going. I don't even now how much is the balance now but I'm sure it wont be less than XXXX. 

below is the current status of all the loans. 

1-01 Career Training {$0.00} 9.750 % No Due Date 1-02 Stafford  - Unsubsidized {$0.00} 3.370 % No Due Date 1-03 Stafford - Subsidized {$0.00} 3.370 % No Due Date 1-05 Consolidation {$5500.00} 3.125 % XX/XX/XXXX 1-06 Consolidation {$8600.00} 3.125 % XX/XX/XXXX 1-07 Stafford  - Subsidized {$0.00} 6.800 % No Due Date 1-08 Stafford  - Subsidized {$13000.00} 6.800 %XX/XX/XXXX 1-09 Stafford  - Unsubsidized {$24000.00} 6.800 % XX/XX/XXXX 1-10 Stafford  - Unsubsidized {$24000.00} 6.800 % XX/XX/XXXX 1-11 XXXX XXXX {$0.00} 8.500 % No Due Date When I graduated the total I owe was about {$96000.00}, and by XX/XX/XXXX the total I owe was above {$130000.00}. During the last two years I managed to reduce the loans to the point where the total was just over $ XXXX. Since then I did not miss a payment, maybe a little delay but did not miss a payment. Today the total I owe s {$76000.00}. according to my calculations the total I owe should be less than $ XXXX. Since I started paying and up to date I believe I have paid not less than XXXX into these loans but most of the amount I paid went towards interest and maybe other fees. I believe I was unfairly treated and fees, high interest and other charges were dumped on me. For the year of XX/XX/XXXX alone, Navient sent me a tax document that showed I paid $ XXXX in interest. imagine the interest payment alone for was XXXX in a loan at the time a little over 100k. I would like to file a complaint and have the loan managing company disclose : 1. how much interest I paid from the start up to date ; 2. i'm contesting the legality of the charges, late payment charges 3. I'm contesting that I agreed to the interest rate of 6.8 % and the rate of 8.5 %

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: GA

Complaint narrative:
On XX/XX/2017 I received a welcome email for a SECURED credit card with XXXX XXXX, so I am assuming thats when the card was opened. My opening deposit was {$250.00}. I used the card and all of my {$250.00} and I didnt make any payments. Eventually the account was closed and turned over to a collection agency. 

They are stating that I owe {$210.00}. I feel I do not owe this money because credit was NEVER extended to me. I was told that whatever balance that was left on the account will be taken out of my {$250.00} and the rest returned to me. Ive disputed with the collection agency True Accord and they only sent me 5 statements as proof that I owe. I would like to see ALL statements from beginning to end. They email me constantly and insist I owe money. How can I owe when it was my money that was being used as credit???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello On XX/XX/2019 XXXX *XXXX XXXX CA Type Purchase in the amount of {$930.00} On XX/XX/2019 BOA ADJ/XXXX XXXX  Type Bank Transaction I asked for a charge back - {$930.00} On XX/XX/2019 BofA reinstated the charge Case number XXXX BofA Credit card Chargeback services sent me a written letter Post marked XX/XX/XXXX First class mail from Delaware Zip code XXXX to my zip code XXXX, in other words from the corner of America on the East Coast to the bottom of America on the other side and expected me to reply by XX/XX/XXXX. So they expected a letter sent first class to get to me in 3 days and i would be able to fill it out. I didnt receive letter until XX/XX/XXXX and sent them a fax that day ( however i dated it as XX/XX/XXXX, I thought it was XX/XX/XXXX). They then ruled against me in charge back and applied {$930.00}. 
This is totally unfair and written correspondence going from coast to coast should be given at least 1 week response time. I have the postmarked letter dated XX/XX/XXXX and the letter stating i need to reply by XX/XX/XXXX 8th

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 2019-07-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My complaint is with Synchrony Bank. In the Fall of last year, we contracted with XXXX XXXX XXXX of XXXX XXXX, NY to install a new hardwood floor in our home. They offered 12 month same as cash financing through Synchrony Bank. The floor was installed on XX/XX/XXXX, but we noticed several problems afterwards. The floor was scratched by the installers when they moved the refrigerator. In addition, one of the boards developed a separation in plywood layers, causing the board to protrude and create a trip hazard. In addition, another board contained a large visible crack in it approximately 12 inches long. We immediately notified XXXX XXXX XXXX about the problems and they did not seem in any hurry to respond. It took several attempts to get any type of response from them. 
We then sent a letter of dispute to Synchrony Bank advising that we would be withholding payments until the problems were resolved. Synchrony initially responded and acknowledged our letter, but it appears that they never charged the amount back to XXXX XXXX XXXX. It has been 7 months now and XXXX XXXX XXXX still has not fixed the issues, and Synchrony Bank has notified us that they feel that XXXX XXXX XXXX has made a good faith effort to revolve the problems. We received a letter from them dated XX/XX/19 advising that they consider the dispute closed, and the amount is now subject to interest charges. In addition, I received a statement from them showing a payment in the amount of {$190.00} is due on XX/XX/19. We sent another letter to Synchrony on XX/XX/19, continuing to dispute the amount, but they have not responded or acknowledged our letter. 
Please help us to resolve

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 2019-07-12 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: NY

Complaint narrative:
On XX/XX/2019 I sent dispute letters to the credit bureaus, requesting they remove this account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Called Experian, XXXX, XXXX multiple times and requested all addresses be deleted other than my physical address and my mailing address. My phone request was met with all denials that I couldnt dispute personal information, Statements, fraud alerts, or personal inquires or accounts. Ive attached my dispute resolution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Iwastheco-signerforanautoloanwithWestlakeFinancialServiceswhichwasopenedonoraboutXX/XX/XXXX.ThevehiclewasthenvoluntarilysurrenderedonoraboutXX/XX/XXXX,duetoconstantmechanicalrepairs.Approximately7to10Kworthwithintheyearoftheownershipofthevehicle.Thecreditordidnotsendanyonetopickupthevehicle,untilXX/XX/XXXX.Furthermore,myXXXXandXXXXreportdonotmatchthecorrectinformation.XXXXhaslistedthattheaccountwasclosedXX/XX/XXXX.XXXXhasthattheaccountwasn'tcloseduntilXX/XX/XXXXandtheyhavelistedfalselatepayments.Wethenreceivedaletterdisclosingtheamountforwhichthevehicleitselfwassoldatauctionfor.Theamountshowndidnotaddupfortheamountthatwasstillowedbyus.Theyhavefalselyreportedthattheaccountwasarepossessionwheninfactitwasavoluntarysurrender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Called XXXX, XXXX, Transunion multiple times and requested all addresses be deleted other than my physical address and my mailing address. My phone request was met with all denials that I couldnt dispute personal information, Statements, fraud alerts, or personal inquires or accounts. Ive attached my dispute resolution

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