vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Due to my relocation from XXXX XXXX  to XXXX XXXX XXXX in XXXX ( which saw a roughly 20 % increase in our cost of living ) and taking a pay cut ( as part of a longterm career strategy ), my wife and I are financially struggling. I am a XXXX XXXX XXXX and she is a XXXX  in the XXXX, so our incomes are based upon time-in, seniority, and rank, not performance or anything else. 

Although we have been making payments, we are robbing from our cashflow to make the payments : we are paying the credit card debt and having to spend it, again, to stay afloat. I attempted to negotiate with Chase ( regarding my credit card ) to lower my interest rate and mandatory minimum payments ( currently $ XXXX XXXX for a period of six to twelve months, so we can get our financial situation in order. They refused, unless I closed the card first : not only would they not promise that closing the card would result in the outcome I wanted, it is also an action that would have negative consequences ( for both credit score and reputationally ). Because of my occupation, I can not have a closed credit account upon which I am also making payments. 

Chase is obstructing my financial wellbeing, even as I attempt to negotiate in good faith. 

I have missed no payments, etc. and yet they remain steadfastly unwilling to work with me, even when it was escalated to their executive-level customer service. 

This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
i attended the XXXX XXXX XXXX XXXX as PhD candidate from XXXX - XXXX and my undergoing thesis revision and examinations until XX/XX/XXXX ( as XXXX student ). I just got the Student Exit forms from the XXXX in XX/XX/XXXX. I have not worked full time since full time studies and examinations and have deferred my repayment viz either still academic status, job search, unemployment and financial hardship. My prior credit history for Navient and Dept of Education loans should be corrected, re-reported and compliant for reversing negative credit scores / FICO reduction should kindly be instigated for all Navient and Dept of Education loans loans prior to this month back to XXXX. However there are periods were my deferrment or forbearance was not reflected, and showing past due amount when I only exited the XXXX in XX/XX/XXXX. More recently there are several past months showing past due default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PMAB,LLC
State: NC

Complaint narrative:
I requested that this company provide me with an itemized list of charges that I supposedly owe. They have placed this as a collection on my credit reports. They have ignored my request and I have not received the documents I requested to verify that I owe this debt. I have attached a copy of the letter I sent,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from Nelnet. In XX/XX/2015, I noticed on my credit report that Nelnet reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. 
This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: NY

Complaint narrative:
i attended the XXXX XXXX XXXX XXXX as XXXX   candidate from XXXX - XXXX and my undergoing XXXX XXXX and XXXX  until XX/XX/XXXX ( as XXXX XXXX  ). I just got the XXXX XXXX forms from the XXXX in XX/XX/XXXX. I have not worked full time since full time studies and examinations and have deferred my repayment viz either still academic status, job search, unemployment and financial hardship. My prior credit history for XXXX and Dept of Education loans should be corrected, re-reported and compliant for reversing negative credit scores / FICO   reduction should kindly be instigated for all XXXX   and Dept of Education loans loans prior to this month back to XXXX. However there are periods were my deferrment or forbearance was not reflected, and showing past due amount when I only exited the XXXX in XX/XX/XXXX. More recently there are several past months showing past due default status.

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 2019-11-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i attended the XXXX XXXX XXXX XXXX as XXXX  candidate from XXXX - XXXX and my undergoing thesis revision and examinations until XX/XX/XXXX ( as XXXX student ). I just got the Student Exit forms from the XXXX in XX/XX/XXXX. I have not worked full time since full time studies and examinations and have deferred my repayment viz either still academic status, job search, unemployment and financial hardship. My prior credit history for XXXX and Dept of Education loans should be corrected, re-reported and compliant for reversing negative credit scores / FICO   reduction should kindly be instigated for all XXXX  and Dept of Education loans loans prior to this month back to XXXX. However there are periods were my deferrment or forbearance was not reflected, and showing past due amount when I only exited the XXXX in XX/XX/XXXX. More recently there are several past months showing past due default status.

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 2019-11-24 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: TMAGNUSONE Inc
State: NY

Complaint narrative:
i attended the XXXX XXXX XXXX XXXX as XXXX  candidate from XXXX - XXXX and my undergoing thesis revision and examinations until XX/XX/XXXX ( as XXXX student ). I just got the Student Exit forms from the XXXX in XX/XX/XXXX. I have not worked full time since full time studies and examinations and have deferred my repayment viz either still academic status, job search, unemployment and financial hardship. My prior credit history for XXXX and Dept of Education loans should be corrected, re-reported and compliant for reversing negative credit scores / FICO   reduction should kindly be instigated for all XXXX  and Dept of Education loans loans prior to this month back to XXXX. However there are periods were my deferrment or forbearance was not reflected, and showing past due amount when I only exited the XXXX in XX/XX/XXXX. More recently there are several past months showing past due default status.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The card account is reporting incorrectly on my Equifax report as a closed collection account. The XXXX XXXX account was never in collections and should reflect a XXXX  balance. This account should reflect a closed account with a XXXX  balance and the historical account records should reflect that it was never a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 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: NJ

Complaint narrative:
The card account is reporting incorrectly on my XXXX  report as a closed collection account. The Neiman Marcus account was never in collections and should reflect a XXXX  balance. This account should reflect a closed account with a XXXX  balance and the historical account records should reflect that it was never a collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
Between XXXX I was paying a reduced monthly credit card payment to XXXX XXXX Bank because of reduced income and wages. XXXX XXXX allowed this agreement. 
In approximately XXXX or XXXX I get served at work, XXXX XXXX XXXX XXXX, starting they were taking me to small claims court for non payment. I immediately called XXXX XXXX and told them of the agreement to pay a reduced monthly payment credit card which was allowed by XXXX XXXX bank. The representative said my file was erroneously escalated to collections. He said he would have the file removed from collections and rescind the summons. I paid the debt I full and never heard anything regarding this debt for over 10 years. 
Approximately XXXX or XXXX, I get a letter from a Nelson & Kennard agency saying they entered a judgment for this same account that was paid in XXXX or XXXX. I immediately called Nelson & Kennard and told them it was paid. I asked them to give me account details and a summary of account because this was paid in full 10-12 years prior to this judgment. Nelson & Kennard said they could not produce any account details and had no records for my account. I immediately called XXXX XXXX asking for my account details to show proof it was paid in full. XXXX XXXX stated since it had been so long, that information was purged and they had no details. I then reached out to an attorney who wrote a letter XXXX XXXX XXXX to Nelson & Kennard informing them of unethical collection practices. 
To this day, they never produced any account details nor have they provided any documentation nor proof that I owe any monies from this account that is over 20 years old. The only reason I knew this judgment is still active is because I'm trying to refinance my house and this judgment appeared. My title company has tried to get documentation from this company without any success. 
This company is using unethical collection practices by trying to collect on a paid account that is over 10 years old ( now 20 years old ). Nelson & Kennard can not provide any account details showing that I owe this amount ( which was paid years ago ). It's affecting my refinance and this needs to be removed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
CareCredit Account opened without my knowledge. My XXXX XXXX Account shows a derogatory balance due of {$5200.00}.

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 2019-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
Following up with my earlier complaint with SageStream I did exactly as they said and provided my identity and that being a month ago I still don't have a copy of my report. I called and stated that ; " I better have a copy in the mail by the end of the week or another complaint will be filed and possibly I will contact an attorney. '' Have not received a call back nor my credit report as I have asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I was sent to Credit Collection Services ( XXXX XXXX XXXX XXXX, MA XXXX ) by XXXX  XXXX. I have contacted both companies several times. Neither has addressed the situation and are unwilling to look at the facts. I have also disputed the account on my credit bureaus. Credit Collection Services continues to use inaccurate and fictitious information to confirm my debt with the credit bureaus. 

On XX/XX/XXXX I was sent to collections by XXXX XXXX. At this time I was actually owed {$870.00} from XXXX. I had a settled claim that was started on XX/XX/XXXX by XXXX XXXX, my auto insurer at the time. The claim had been settled in my favor and money owed for nearly a year before I was sent to collections. I had to make 20-30 phone calls to XXXX in over a year 's time to be compensated. I was given excuses that the check had been lost in the mail. I received other excuses that they had a high turnover in their claims department and that previous representatives left items undone. I was told by XXXX that I was sent to collections because their claims department and billing for insurance was separate. I was told that it didn't matter that they owed me money, I still had to pay them for services rendured. I cancelled my services with XXXX and got another provider over this incident. I also told XXXX  I would not pay them the {$210.00} I owed until I received my payment of {$870.00}. I also recommended to them that they take what I owe out of the balance due me. They did not. I did not receive the {$870.00} until XX/XX/XXXX. This was four months past the time I was sent to collections. 

I have provided proof of these statements directly to Credit Collection Services but they continue to fraudulently attest that my bill is accurate to all 3 credit bureaus. I have documentation directly from XXXX XXXX 's website that supports my statements. I would like XXXX XXXX and Credit Collection Services to be investigated. 

My credit rating has been damaged by these companies and as a result I'm paying higher interest rates and have not been able to gain approval to buy a home. This is a defamation of character. Please help in any way possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
I noticed a charge of {$240.00} that I did not recognize. I called Comerica and reported the fraud and they started an investigation. They called me back later and asked a few questions. They sent me a letter in the mail stating that these transactions were authorized by me. I called them to report it unauthorized!!! I have no history of reporting fraud and have been with this bank over ten years. I'm appalled that they will not protect me in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions bank of Alabama has charge my account several false overdraft fees and will not reverse them. I have explained them how it is inaccurate and I have receipts to prove the fees are false, the agent did not care to listen. Some of the charges are noticeably false. Please help. After review I have found that this same bank was fined for similar reasons in the past.

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 2019-11-24 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: CA

Complaint narrative:
There are two inquiries on my credit report that were not authorized with me and these two inquiries should remove from my credit.The inquiries are XXXX XXXX  dated XX/XX/2019 and XXXX XXXX XXXX dated XX/XX/2019 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Back between XX/XX/XXXXand XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from XXXX. In XX/XX/2015, I noticed on my credit report that XXXX reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. 
This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Razor Capital, LLC
State: FL

Complaint narrative:
Razor Capital is trying to collect a debt that is not mine. They have filed a lawsuit against me. They are trying to collect on a debt that was an identity theft issue. Report was filled with the FTC about the issue. I have not been able to file a police report because they want an original letter from the company saying this debt is mine. I have no idea who the original company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
I paid most of my debt but not removed after I despite and it show as bad

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 2019-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: OH

Complaint narrative:
Daily calls from company and messages to call about debt collection. I owe nothing. I have no debt. Continued daily calls is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation