vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 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: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
Problem with credit reporting. See attach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avant Credit Corporation
State: NY

Complaint narrative:
My compliant against this company is lying after lying. I apply for a loan back in XXXX, and they made a mistake by sending to a wrong person and the loan was return back to them, and they promised me they would return the money to me, and they didn't, and now they are charging me a fee that they took and want me to pay that back when I don't get any money from the crazy people. after calling I gave up and now they are messing with my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On multiple occasions starting in 2017, Navient would call me offering options when I couldn't pay. When I spoke to them they would only offer Forbearance. Which I took, because I didn't know what else I could do. I now know that this would increases the money I owe over time. Most recently was last week over the phone. 
I also recently called to try to get a lower monthly payment, which is the reason I wasn't paying. I was immediately put on forbearance and then the estimate for repayment was about $ XXXX month. They just resent a new rate, without my consent or application for {$810.00} which will be crippling. ( Email on XX/XX/XXXX ). It states my payment is due on XX/XX/XXXX. But in my account it says a payment is due XX/XX/XXXX. Overall I find the site hard to determine what is real. 
Over the last 5 years Navient has tacked on extra $ - from {$23000.00} to XXXX and respectively from {$48000.00} to {$67000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I attempted to get in touch with XXXX, Transunion, and XXXX  a number of times, and it seems like all of those attempts to even try to open up a case were fruitless. The only company that responded back to me was Transunion ; they said they would open up a case for me and that they'll let me know if the cases could be resolved or not, but they never followed up. To TRANSUNION, XXXX, and XXXX   According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquiries are a result of ( idenity theft- ) XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX ( XXXX ) XXXX, XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXXContact info XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX I Pleading for relief from these derogatory inquiries placed upon my credit files on all three bureaus be removed.

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 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I purchased a home XX/XX/2019 ; during the process my credit was pulled and it reflect a collection account with Diversified management for a XXXX account that I had ALREADY sent to XXXX advising account was fraud also requesting information or proof that I opened the account which to date I have yet to receive. I was forced to pay the account against my will in order to close on my home. I was advice by a manager at diverisified that the account was identified as fraud and would be deleted from my account. This is not month 5 and this fraudulent account is still reporting on my credit report. I have never had sprint ever I am requesting that they delete this account from my credit report as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I used online chat to request to transfer fund of my CD ending XXXX, which is due on that day, to my checking account. 
But on XX/XX/XXXX, I found that the other CD ending XXXX, which maturity date is XX/XX/XXXX, was closed on XX/XX/XXXX. I inquired via online chat right away and the bank admitted that an error took place on the back end, and someone from our processing team mistakenly closed the CD ending in XXXX. I requested the bank to reverse the unauthorized transaction. They stated that they couldnt. So I requested for a reasonable solution. My request is easy. I dont want to lose any interest cause I expect to hold the CD till maturity date, which I always did. 
XXXX, manager of their XXXX XXXX XXXX called in few hours and said they can credit me {$8.00} for the interest during XXXX XXXX. He didnt even mention that the bank has charged me a CD early closure penalty for {$81.00} until I asked. Upon I request, they credited 2 days interest and penalty right away. However, I still lose the interest I should have gained from XX/XX/XXXX to XX/XX/XXXX if the bank didnt mistakenly close the CD. XXXX stated that they can not credit future interests. So I ask him to find an alternative solution or instrument that can compensate for my loss. The interest rate of the CD is 2.47 %, APY 2.5 %. Of course, theres no such high yield CD now. So he said he will try to find out a solution. 
I waited till XX/XX/XXXX and got no response so I inquired via online chat again. After a 1.5 hours wait. The representative told me the case is closed and I will not be able to get any further funds. In the end she/he even stated that Upon reviewing I see that it was requested from your end for the account to be closed and transfer the funds to checking account. Obviously the prior 1.5 hours she/he didnt understand the whole picture of the case, which is totally wasting my time. 
I've attached the online conversation on XX/XX/XXXX and XX/XX/XXXX and highlighted the main points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-15 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I walked into Citizens Bank on XX/XX/2019 at XXXX  hrs and paid my credit card bill in full with the teller. XX/XX/XXXX I logged into my account and they charged me a {$28.00} late fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX reported on XX/XX/XXXX on my credit report that I had 4 unpaid medical collections. After the auto accident, I set up a payment plan with all 4 amounts included. In XX/XX/XXXX or XX/XX/XXXX this debt was paid in full, no other payments have been deducted from my account and no other contact has been made with me from XXXX. But, on my credit report it shows unpaid and that it has never been paid at all. I contacted them several times, couldn't get an answer or a return call or email. I filed a dispute thru XXXX XXXX and they only removed 1 of the 4 amounts and are saying the others are accurate. This is the only bad mark on my credit and I need this to be removed as it has been paid in full. The medical bills were thru XXXX XXXX in XXXX IN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019, I was the victim of identity theft. My debit card and personal information was used by a criminal to successfully complete a transaction on XXXX by ways of XXXX for {$1900.00}. I received a notification from my Chase app as soon as it happened in real time and so I called Chase to let them know it was not me. They said they would look into it and to open a claim so I trusted them to take care of it. I did my part by calling them to let them know it was not me however, they did not do theirs by protecting my money. If I was in another state, they will cal you to make sure its not fraud, so why was my situation not treated with the same urgency? The complete authorization was not completed on XXXX end until the next day at XXXX. Almost a whole day went by and Chase allowed it to be successfully completed without notifying XXXX to stop it or intercepting it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
Sequium Asset Solutions continues to charge me for a collection that has already been resolved as identity theft fraud by the original creditor ( XXXX XXXX XXXX ). I have already proven my case as identity theft through XXXX XXXX XXXX theft and it is resolved, and XXXX XXXX XXXX has notified Sequium Asset Solutions numerous times to withdraw/close the wrongful collection. Sequium Asset Solutions continues to hold that they have not received this notification and continues to charge me for this wrongful debt, ruining my credit score by 100+ points for over 5 months!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: ERC
State: NV

Complaint narrative:
I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, As of XX/XX/19 I  discovered ENHANCED RECOVERY CO L for amount of {$360.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I became aware that my business partner had removed me from our business accounts after making exaggerative and false claims to the bank. The bank holds the operating agreement and never contacted me allowing her to not only remove me from the accounts, but to put old accounts on hold and open a new business account with only her name on the account. 
They have said that because I was not listed on XXXX here in florida as an owner on the account, but allowed up to keep running the account stating that the operating account was good in all it stated. The bank Manager of the XXXX XXXX branch XXXX XXXX had told us that the agreement needed to be updated to make it clear so my business partner and I did correct the document to meet the needs of the bank. 
Upon my partner, XXXX XXXX being made aware for a final time she needed to correct the way she was billing XXXX by me becoming aware she was breaking the law she went to the bank and had me removed. XXXX XXXX went to meet with XXXX along with her ex husband and claimed many false things and XXXX the manager of the XXXX XXXX XXXX branch at XXXX XXXX XXXX then proceeded to remove me and then he refused to speak with me about the matter in any detail at all. 
I then contacted the small business banking 1800 number who stated this seemed to be wrong on XXXX 's part as Forida law does count the operating agreement as ownership notice and the agreement clearly states 50/50 voting rights as well. I then found my way up to speak to XXXX XXXX who met with PNC banks attorney 's and came back saying that XXXX had made a correct choice in removing me. After speaking with the state they have made it clear that they should not have removed me in this manner and even more it goes as a breach of contract against XXXX XXXX XXXX XXXX. XXXX then proceeded to claim thousands of dollars of charges were fraudulent including monies that were paid to employees and helpers at the birthing center. She also refused to pay some employees as backlash for them being supportive of me. It is imperative for the safety of mothers who will deliver at the center and the financial livelihood of some employees and myself as a true owner that she is not allowed full control any longer. 
At this time XXXX XXXX is under investigation by the Attorney General and my fear is she will be using these business funds to use in her XXXX fraud case, the state of Florida as well as XXXX are starting an investigation against her for other issues along with XXXX fraud. XXXX XXXX has been able to steal from me at this point along with the government via XXXX fraud and the bank is enabling her by allowing her to put all business funds in a separate account. Even more than theft her carelessness has allowed babies to almost die and this stems from her having full control of the business funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IN

Complaint narrative:
L J ROSS ASSOCIATES IN is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account. This assumed debt was charged off after an internal credit in the amount of the loss in order to XXXX out the balances and close the account. The loss balance is then transferred from the XXXX XXXX XXXX to the XXXX XXXX XXXX which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been XXXX   out and the contract has been satisfied. This consumer is only responsible for the XXXX  account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then L J ROSS ASSOCIATES IN has no claim. I hereby irrevocably refuse to consent/contract to L J ROSS ASSOCIATES IN agencies because there is no law required for this consumer to do so. Until L J ROSS ASSOCIATES IN agency can provide a lawful authority by which this consumer is subject to comply with submitting to any debtors collections or jurisdiction in violation of my rights to be free of involuntary servitude. This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) L J ROSS ASSOCIATES IN is hereby warranted to Proof of Claim in Arbitration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I've have recently submitted another dispute directly with Capital One ( as of XX/XX/XXXX ). I have continuously been disputing the two accounts totaling {$3300.00} for the past 11 months. I am currently in the process of trying to clear my credit reports of fraudulent items due to identity theft. Capital One has not made one attempt to contact me since I started submitting disputes. I would speculate that I have submitted close to 20 disputes with Capital One. I keep receiving letters saying they have " completed investigations '' and have not once been contacted by Capital One during the investigation process. These accounts were removed from one of my credit reports ( XXXX ) and I have to now send letters to the other two bureaus ( XXXX & XXXX ) to help with my disputes. I would also like to note that XXXX experienced a data breach in XXXX. My information happened to compromised during that time and that is the year Capital One is claiming I opened those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX. My servicer changed to Select Portfolio Servicing Inc further referred to as SPS Inc.. When I logged into their website to make my first payment this month they charged me an additional {$15.00} to make the payment online and called it " EZ payment '' This is an additional fee I need to pay to make my mortgage payment each month. My amount due is {$1500.00} but I will have to pay {$1500.00} monthly for my mortgage. By charging the fees to pay online or over the phone, a portion of which it retains, SPS Inc is in violation of the federal Fair Debt Collection Practices Act, which prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. This amount is not authorized by my mortgage agreement and was never charged when I payed online through XXXX XXXX XXXX the originator. 

It should be criminal that this company is making me " pay to pay '', to wonder people go into foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
In XXXX, my neighbors left their sprinklers on overnight and ended up flooding our basement. In turn we got an insurance settlement. By law insurance settlement checks require both yours and your mortgage company signature. We sent the check to our mortgage company, Loancare LLC, and they returned the check to us, because we forgot to sign it. We received a new check from the insurance, signed it and sent it to Loancare for their signature. They demanded that we pay for the repairs ourselves and then reimburse us, but we don't have that kind of money. Then they demanded a contractor to do the work, then they would reimburse the contractor in payments. By what we were told, Utah does not require flooring installers have a contractors license, so they don't carry one. The only damage was flooring and a little bit of sheet rock, so our original intention was to do the work ourselves. Hiring a contractor will cost more than what our insurance gave us. We've been trying to get our check for 6 months now, and they are still refusing to give it to us.

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 2019-11-15 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: LA

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello, I would like to dispute the following collection company " XXXX XXXX '' which I just learned is a scam company. While in the process of working on my credit I was contacted by " XXXX '' regarding the debt bill. Desperate to get this off my credit I was under the impression that I owed them but after further investigation, I learned that I wasn't supposed to pay " XXXX '' anything and never should have paid " XXXX '' anything because they were never a creditor of mine nor had I ever signed anything stating otherwise. 
. 
I'm requesting that all further actions from " XXXX XXXX '' be stopped, they can NO longer contact me, remove their name from my credit report and refund the payments that have been paid to " XXXX XXXX '' Thank you for your assistance with this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation