vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
I contacted the company to whom the debt was old and was told they no longer had the debt that it was with an agency. I tried to dispute it with all 3 credit bureaus because the debt is over 6 years old and was told it would remain on my credit and my credit would be damaged forever and they would not remove i the guy laughed at me and said I should be more responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I was approved for a loan modification thru Owen Loan Servicing in XXXX of 2018. You are given a trial period of 3 months to pay the payments in full and on time. I had made the payment for two months on time and before my third payment was due. Ocwen sold my mortgage to PHH Mortgage. After many, many phone calls in which I spoke to a different person each time, who gave me different information, they WOULD NOT accept my third month trial payment to lock in my new rate. I was told I had to start the modification all over again with them. I was complying completely with all the hoops, and there were many and being assured they were doing everything to keep me in my home. Their customer service is the worst I have ever dealt with. The right hand has no idea what the left hand is doing. They continued to tell me my loan package was either missing something or something was eligible. I was never told upfront all the required documents needed. The kept asking me to re submit papers until they strung it out long enough to tell me when I call to check on the modification that my house had already been sold in foreclosure. They reason they gave me was that they didn't have time to review my paper work before the sale date. I am now awaiting the eviction process to begin. I know there were several violations in their handling of this. After lots of research, I have discovered this happens frequently with the company. They have been fined several times in class action suits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
We wrote a dispute letter & submitted supporting documents on XX/XX/2019 to Experian XXXX XXXX. There are multiple federal & state tax liens on our credit report that belong to a different business. I submitted copies of all the liens which clearly show a different business name, tax ID & address. 

Experian 's response on XX/XX/2019 said " All tax liens were reported to Experian under the business name and address referenced above and will remain on the credit report as reported ''. I contacted the Oregon Department Revenue & they stated there are no tax liens on our account. They also went on to say Experian misrepresented the facts because the State does NOT report to Experian. Experian mines the public record data & Experian made the error in reporting it on our credit report. 

I've tried to reach the IRS as there are federal liens also but can't get through to anyone for help. We really need help to resolve this issue & Experian is not responding.

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 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I closed my credit card and checking account with M & T in XX/XX/2019. The balances of both accounts was {$0.00} when they were closed and I was informed by the bank that no further charges could be made on the accounts. On XX/XX/2019, I received notices from credit monitoring services of a past due amount associated with the credit card account. I do not have access to this account and received no notifications related to any collection attempts. In addition, there should be no balance since I closed the account at {$0.00} and your bank should not have accepted any further charges, consist with what I was told when I closed the account. 

I contacted the bank via email ( XXXX ) on XX/XX/XXXX and have not received a response. I called the customer service line ( XXXX ) and spoke with XXXX on XX/XX/XXXX and discovered that the total balance due was approximately {$100.00}, with {$35.00} of that being from late fees, {$57.00} in charges, and the remaining amount being from interest. The customer service department agreed to reverse the late fee and forwarded me to the collections department to discuss the balance due. I spoke with XXXX in collections and was informed that the account was no longer accessible to the collections department. She indicated that the company 's policy was to keep the account 3 months in collections and 3 months in recovery, but my account had apparently been handed off to collections after 3 months and M & T no longer had access to it. To reiterate, I have not received any notifications of any type from either the bank or a collection agency.

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 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: TX

Complaint narrative:
I retired as of XX/XX/2019 and moved to XXXX as of XX/XX/2019 for a year. Since moving to XXXX my bank XXXX XXXX  / Netspend keeps blocking my account so I dont have access to my government social security direct deposit. I have proven my identity each time. But now they want proof of my identity with my address on file within the last 30 days which I dont have I sent them all of my closing bills but they wont accept them I have explained this over and over I have sent them my final paycheck with the correct address but they wont accept that either I sent my XXXX  XXXX  my passport my lease and electricity bill from XXXX I have sent everything asked for but no one there is listening and I will soon be homeless and starving in XXXX when they have my SSI and final check. They keep threatening me with closing my 6 year old account and sending me a check which would not get through customs nor would I be able to cash it here. Please I cant get anyone to even look at the previous notes I keep getting the exact same answer we need something from my address on file from the last 30 days which is the closing bills.

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 2019-11-18 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: Merchants Adjustment Service, Inc.
State: FL

Complaint narrative:
I went to the ER ( XXXX XXXX XXXX Florida ) on XX/XX/2019 and XX/XX/2019 and the hospital did not bill my insurance and sent me to collection. I spoke to the collection agency and they said they could not do anything and to contact my insurance. I contacted my insurance and they never got a claim for it so that's why they did not pay. Now this is affecting my credit and not letting me get a loan to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-11-18 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: MI

Complaint narrative:
A letter was mailed CERTIFIED to the following attached companies-see documents. The company was asked for ORIGINAL CONTRACT, PHYSICAL SIGNATURE, RECORDING OF VIDEO/AUDIO showing I ever asked for a line of credit. Furthermore, they were asked to tell me whom they corresponded with, their name, their ID number, contact phone/address. You can see they did not. PROOF they are not validating and/or verifying as required under the FCRA. Company responded with various answers but could not provide me with SPECIFIC information as requested. 

By law, they have to remove all accounts that are not 100 % factual and true. In addition, they have to pay me {$1000.00} per offense for defamation of character and destroying my ability to get credit. 

Furthermore, any accounts that have been charged off, under the FCRA, CAN NOT HAVE A BALANCE. Must read XXXX They have the option to make it read XXXX or remove the account all together for improper reporting. 

And finally, any accounts using variations of my name, not using my full name : first, middle and last, are fraudulent and need to be removed immediately.

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 2019-11-18 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Company attempting to collect a debt not owed to them I have no legal binding contract or accounts with said company I have no idea who this company is. I have never filled for anything with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
The debt is stated to be for medical bills, I have been cover under family insurance when the incident in question happened. I was contacted by the company to settle on {$1100.00} but I feel that is was wrongfully targeted by this company because during the time of my visit to the hospital I was completely covered by the same insurance that I have now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Someone opened an account in my name the bank saying the account belong to an female but Im a male and i never had an TD bank account this was open fraudulently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 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: MI

Complaint narrative:
In XX/XX/2018 I purchased a {$500.00} gift card from XXXX XXXX in XXXX XXXX NY. I paid with my Chase account. The gift certificate was only valid for one year, this was not disclosed to me until after purchase. XXXX was closed for over 6 months when the owners sister had XXXX, so we are told, and the remaining 6 months we were told there was no availability. When we complained we got a 1 month extension and were told to accept a single date in XXXX that did not work for us. Please help, the owner has kept our money and has been completely unwilling to work with us to fulfill the certificate we purchased. No services were ever rendered as we were only given 1 date that the certificate could be used for an entire year and that 1 date did not work. At the time of purchase I was told the certificate could be used at any time without restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSH & Associates, LLC
State: CA

Complaint narrative:
Do not have any legal binding accounts with this company Have no idea who this company is. I have never had an account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit report agencies are reporting the inaccurate information to future creditors. This is causing injury to my personal as I am not able to acquire new credit base on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITY NATIONAL BANK
State: MN

Complaint narrative:
There are two complaints here. ( 1 ) I am unable to have my account closed with the provider. ( 2 ) I have been unable to obtain a refund of the card 's annual fee from the provider after a material change to the card 's terms and conditions. 

City National Bank offers the Crystal Infinit credit card. It has a {$400.00} annual fee and a number of benefit programs. ON XX/XX/XXXX, I learned that many of the most valuable benefits would be discontinued as of XX/XX/XXXX. As I had just paid the {$400.00} annual fee on XX/XX/XXXX, I notified City National Bank that I wished to close my account and was requesting a prorated refund of the annual fee I had just paid. Since the provider was choosing to change its terms, this is only fair under contract as I did not agree to the updated terms. 

After repeated calls and emails to the provider, I have been unable to either close my account or have my annual fee refunded. I am being told that a single relationship manager has the authority to close accounts and that they would call me. I never received a call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NY

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 the credit bureaus and XXXX XXXX with no successful resolution. The credit bureaus only reporting me late. There was definitely an error on their part. I was never 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 2019-11-19 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: MI

Complaint narrative:
A letter was mailed CERTIFIED to the following attached companies-see documents. The company was asked for ORIGINAL CONTRACT, PHYSICAL SIGNATURE, RECORDING OF VIDEO/AUDIO showing I ever asked for a line of credit. Furthermore, they were asked to tell me whom they corresponded with, their name, their ID number, contact phone/address. You can see they did not. PROOF they are not validating and/or verifying as required under the FCRA. Company responded with various answers but could not provide me with SPECIFIC information as requested. 

By law, they have to remove all accounts that are not 100 % factual and true. In addition, they have to pay me {$1000.00} per offense for defamation of character and destroying my ability to get credit. 

Furthermore, any accounts that have been charged off, under the FCRA, CAN NOT HAVE A BALANCE. Must read XXXX They have the option to make it read XXXX or remove the account all together for improper reporting. 

And finally, any accounts using variations of my name, not using my full name : first, middle and last, are fraudulent and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 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: MI

Complaint narrative:
I have been disputing with all three credit bureaus for quite sometime. I just learned how to do so properly, including my police reports, FTC reports, etc. I have several accounts that are fraudulent including collections for an XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX , a fraudulent XXXX XXXX  XXXX   Charge off opened XX/XX/XXXX, XXXX  XXXX  XXXX  which are in Charge Off Status all of which are on XXXX, I have two fraudulent collections on XXXX  which are XXXX for XXXX $ and XXXX which is for XXXX $

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 2019-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying an extra {$60.00} dollars each month on my student loans, set up on Auto Pay for at least the past year in an effort to pay down my high interest rate private student loan. I just discovered that they stopped takign the additional overpayment effective this month. I went online to see why my extra payment was no longer coming out of my account, and found the following info from the Navient website. Apparently they don't want anyone to be able to easily pay down their loans faster than scheduled : How do I enroll in Auto Pay, or increase my Auto Pay amount? 
Select Auto Pay in the navigation menu to enroll. 

Your recurring Auto Pay amount can't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in the navigation menu and specifying an additional amount for any loan enrolled in Auto Pay. 

This is gargabe. I need to be able to easily allocate additional payments. Having to remember to login each month just to make an added payment is cumbersome, and this change is new. What gives Navient? Give us a chance here!

Company response to consumer: Closed with explanation