vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX - SAMS club has been addressed multiple times this regard. Since the last negative reporting is over 5 years, they were asked to remove negative items from the credit reports. It has been over 30 days and nothing has been done by the creditors or the SAMS. The last negative item was provided to the reporting agency in XX/XX/XXXX. Yet, all fails to remove this from my report. Also, proof of the negative items were requested by XXXX XXXX, 30 days late and XXXX 60 days late was never provided. All the creditors take thier word and NEVER ask for proof nor have provided me any. Since this was an old report I had asked multiple times, to include XX/XX/XXXX, to get the negative items or SAMs as a whole removed from my credit history. SAMS was paid in full and I had them close the account. Why is date of status at XXXX???? in the XXXX  report? This can cause XXXX employment issues and credit issues. The negative is more than 5 years old. This needs to be removed. By law, they can remove it and chose to leave it there. Reporting is optional, but not by law. This can be removed at any time. I asked SAM to be reasonable to remove them totally from all reports or at least these two things. I receive a electronic computer generated report that they are right, no proof or reasoning. NO further repeat investigation will be done. This go for the creditor and SAMS. I am trying to fix my report to work. Lack of cooperation and abuse continues. They, at this point, are required t prove what thy are reporting. 

SYNCB is the crediting bank.

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 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/2019 The last couple weeks I have noticed Chase Bank personnel deliberately acting criminal in their online work, and lying. I have been a customer 9.5 years and this last week, they tried to make me the problem and not them. I put an online transfer request in for $ XXXX for the date of XX/XX/2019, on XX/XX/2019, they emailed me saying they could not transfer, it was two days  early, I get paid on the XXXX, so it absurd, it was scheduled for today ... .. { account # XXXX } And all day today, I had to XXXX someone, and I put my correct password in all day and could not get into my online account, then I specifically took S half an hour and did it with a telephone online representative and I got a message they were not putting it through and citing me for suspicious activity ... XXXX Just an everyday account of a low income person who owes her sister money, and they will not allow the transaction, they are misusing their bank against me. There is no suspicious activity. A XXXX transaction, They are violating the terms of their XXXX contract, and mischaracterizing my account as " Suspicious '' They are refusing to do a legitimate banking transaction, online and straightforward.. Easily done and harming me as I try to pay a bill back. WRONG employees, who need to allow the transaction and not punish me, or so to speak Stop my account Perhaps they need to be reminded to do banking right for every single customer We are all equal and the same in banking law, it is looking at something intelligently instead of being a weirdo ... .... They gave me a Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: PA

Complaint narrative:
National Recovery had refused to send me verification on the debt from the original creditor as stated by FCRA requirements. I called and requested an invoice for the amount. The representative also stated that doing so violates company policy. In response, I had my attorney send a formal letter with the same request to which they have not responded.

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 2019-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I am making payments on my student loan to Fedloan towards Public Service Loan Forgiveness. This is a program in which your debt can be forgiven if you make 120 on-time monthly payments while working for a non-profit. Annually I file a certification form certifying my payments as qualifying towards forgiveness. 

During my last certification in XX/XX/XXXX I was informed that the payments I made of {$200.00} in XXXX, XXXX and XXXX of XXXX were not counted towards PSLF. This is a mistake as I made the payments on time and have been employed at the same non-profit where I work now for over 3 years. I called Fedloan and brought this to their attention in XX/XX/XXXX after I reviewed their records and discovered their error. I have not heard back from them in the 6 months since then. I called them about this today and was told it has not yet been reviewed and they could not give me a timeline of when it will be reviewed. In XX/XX/XXXX I also requested a list of the dates of all payments currently being counted towards PSLF and have not yet been provided this list. 

I had a similar terrible situation previously with Fedloan where payments were not counted in error. This was eventually resolved, but it took over a year. I called and emailed Fedloan over 20 times during that year and I could never get them to review their error. They only finally resolved the matter after I asked my congressman to contact them. I am very confident Fedloan has no intention of reviewing the errors on my account ever unless they are forced to by the CFPB. 

Fedloan is absolutely the worst company I have ever had to deal with. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The Best Service Company has inserted itself on my Credit Report and no information has been received by this company to date despite my attempts to dispute. Please do not call me I am represented by an attorney. If you do call me do not record ( REVOKED ). 

This debt does not belong to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX - XXXX XXXX has been addressed multiple times this regard. Since the last negative reporting is over 5 years, they were asked to remove negative items from the credit reports. It has been over 30 days and nothing has been done by the creditors or the XXXX. The last negative item was provided to the reporting agency in XX/XX/XXXX. Yet, all fails to remove this from my report. Also, proof of the negative items were requested by  XXXX XXXX, 30 days late and March 60 days late was never provided. All the creditors take thier word and NEVER ask for proof nor have provided me any. Since this was an old report I had asked multiple times, to include XX/XX/XXXX, to get the negative items or XXXX   as a whole removed from my credit history. XXXX was paid in full and I had them close the account. Why is date of status atXX/XX/XXXX???? in the XXXX  report? This can cause XXXX employment issues and credit issues. The negative is more than 5 years old. This needs to be removed. By law, they can remove it and chose to leave it there. Reporting is optional, but not by law. This can be removed at any time. I asked XXXX to be reasonable to remove them totally from all reports or at least these two things. I receive a electronic computer generated report that they are right, no proof or reasoning. NO further repeat investigation will be done. This go for the creditor and XXXX. I am trying to fix my report to work. Lack of cooperation and abuse continues. They, at this point, are required t prove what thy are reporting. 

XXXX is the crediting bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX - XXXX XXXX has been addressed multiple times this regard. Since the last negative reporting is over 5 years, they were asked to remove negative items from the credit reports. It has been over 30 days and nothing has been done by the creditors or the XXXX. The last negative item was provided to the reporting agency in XX/XX/XXXX. Yet, all fails to remove this from my report. Also, proof of the negative items were requested by XXXX XXXX, 30 days late and March 60 days late was never provided. All the creditors take thier word and NEVER ask for proof nor have provided me any. Since this was an old report I had asked multiple times, to include XX/XX/XXXX, to get the negative items or XXXX   as a whole removed from my credit history. XXXX was paid in full and I had them close the account. Why is date of status at XX/XX/XXXX???? in the Experian report? This can cause XXXX employment issues and credit issues. The negative is more than 5 years old. This needs to be removed. By law, they can remove it and chose to leave it there. Reporting is  optional, but not by law. This can be removed at any time. I asked XXXX to be reasonable to remove them totally from all reports or at least these two things. I receive a electronic computer generated report that they are right, no proof or reasoning. NO further repeat investigation will be done. This go for the creditor and XXXX. I am trying to fix my report to work. Lack of cooperation and abuse continues. They, at this point, are required t prove what thy are reporting. 

XXXX is the crediting bank.

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 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
All three major credit bureaus Equifax, XXXX and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit  bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. 

According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors,  employers, financial institutions, and a host of others. 

My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. 

All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. 

Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. 

Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal,  Family, and Household.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
A company call Sunrise Credit has placed a collection item on my XXXX   credit report. They can not provide a signed document showing proof or where this debt originated from. It is not my debt and I have no knowledge of this. They attempted to send me emails asking me to login to a website and verify my identity.

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 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: First Associates Loan Servicing LLC
State: CA

Complaint narrative:
ACTIVATE FINANCIAL IS TRYING TO COLLECT FROM XXXX, A DEBT OVER 11 YEARS AGO WHICH WAS DISCHARGED. 
THEY SHOULD NOT BE ALLOWED TO HARASS ME AS I AM XXXX, WAS ON MEDICAL, MEDICARE, AND HAVE NO INCOME WHATSOEVER. 
THE STATUTE OF LIMITATIONS APPLIES TO DEBT IN THIS CATEGORY In California the statute of limitations period on debts is 4 years ; Debts that have lingered longer than the statutes allow are often referred to as " time-barred debts. '' I WANT THEM TO BE TOLD TO STOP TRYING TO COLLECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX XXXX IS TRYING TO COLLECT FROM HSBC, A DEBT OVER 11 YEARS AGO WHICH WAS DISCHARGED. 
THEY SHOULD NOT BE ALLOWED TO HARASS ME AS I AM XXXX, WAS ON MEDICAL, MEDICARE, AND HAVE NO INCOME WHATSOEVER. 
THE STATUTE OF LIMITATIONS APPLIES TO DEBT IN THIS CATEGORY In California the statute of limitations period on debts is 4 years ; Debts that have lingered longer than the statutes allow are often referred to as " time-barred debts. '' I WANT THEM TO BE TOLD TO STOP TRYING TO COLLECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am reopening a complained that filed from here because i have not get any clear answer from Bank of America about my claim. 

Few months ago i have experience charges from a link that i have never use or done business with in the past. I called Bank of America and reported and they started the claim but deny it two times because of not reporting on time and according to the bank i have authorized those charges. 

I disagree with the bank response and wrote them a letter to go over with my claim because i did contact them and if they check they Check the last time i was on the phone with them they were still four transaction that were pending. I told customer service not to release anything because i have not unthorized them but they still release the money. 

I am opening this claim again because they have reopen it after i fax them a letter to explain to me how i authorized the charges and what type of merchandise i bought from them and which address did they use to ship goods and services.

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 2019-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My name is XXXX XXXX. I am currently a XXXX at XXXX XXXX College. I recently reviewed my credit report and was surprised to see that I had missed payments on my private and federal student loans. After doing some investigation, I realize that I completed both of my classes with a passing grade in the fall semester ( 2017 ) and this triggered my credit report on ( XX/XX/XXXX& XX/XX/XXXXof 2017 as missed payments ) and trigger an automatic repayment schedule. My loans should of been in in school deferment status after the fall semester ( 2017 ). I also sent out a letter to Navient directly and I haven't gotten a response back yet. it been about a few weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
Missed payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. But on my credit report it states I have a total of 54 missed payments, not 9.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Account # : XXXX I can not see the paid-off auto loan on my XXXX credit report. Please report it back on the XXXX, and it is not delienquent. The account had been Paid-off and on time.It is very important for me and I don't want mess up my credit. I have enough trouble already.

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 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
I opened a checking account on XX/XX/XXXX and there should be two welcome bonuses, totalling {$700.00}. I have not yet received any of that. I believe that I have met the requirement for that bonus. 

I contacted the banker who opened my account, XXXX XXXX, three times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). XXXX promised to investigate and get back to me by the end of the day during the second contact, which never happened. XXXX has not responded to my follow up email on XX/XX/XXXX and it has been 20 days since the initial inquiry.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not received any confirmation on how you have verified the alleged unauthorized inquiries.

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 2019-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Account # : XXXX I can not see the paid-off auto loan on my Transunion credit report. Please report it back on the Transunion, and it is not delienquent. The account had been Paid-off and on time.It is very important for me and I don't want mess up my credit. I have enough trouble already.

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 2019-08-15 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 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 2019-08-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX 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