vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Orions Management Group, LLC
State: IN

Complaint narrative:
I tried to contact Orion Management Group, LLC On XX/XX/2021 to request pay for delete for my closed XXXX XXXX with XXXX XXXX  XXXX XXXX account where I had a balance of {$300.00}. I dialed XXXX and spoke with XXXX XXXX, who became very rude and obnoxious. Requesting my full social security number when I know this is not necessary to confirm my account. The rep deliberately hung up on me 3 times. This company has several complaints with the XXXX XXXX XXXX as being difficult to work with when trying to resolve their debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX has inaccurate data on my report partially from their own mistakes and the other from JCMB Chase for reporting a payment late that was not. 

XXXX XXXX Dispute System is broken and twice charged be {$27.00} without warning for a dispute system that failed to generate a dispute. Telephone calls to XXXX were fruitless with significant language barriers. Customer service represents verbally said they would file the dispute but none ever was filed and I never received feedback. 

Dispute attempts were made on XX/XX/2021 and XX/XX/2021 but no results yet I was charged both times. 

XXXX also has telephone security inadequacies and would not put a password on my account as I requested. Authentication is minimal to telephone access my information. 

Chase reported inaccurate information 5 years ago and XXXX does not recognize all the inconsistencies in the report. This is the ONLY detrimental report ever on my long credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
For over 5 years and 3 months now, I have had a collections account on my credit with the original creditor name of 01 XXXX XXXX and Caine & Weiner as the named debt collector for this debt that is not mine for the amount of XXXX. That is not a small number and because of this act of fraud it has resulted in me having a really bad credit score and frankly I've never heard of either of these named organizations and I sure don't owe them almost {$7000.00} for a debt I can't even tell you what for. The start date of the collection is said to be XXXX XXXX, 2016 at which time I had no active credit even ongoing so how I obtained a collection is beyond my understanding and all of which points to identity theft because it is very evident somebody used my ss number for something and then never paid it which is a highly common thing that fraudsters do when stealing peoples identity, they obviously don't pay the debts they illegally obtained. This debt is the reason my credit is so poor and me and my family are struggling to get a car loan, home loan and any financial assistance due to debt that was obtained by someone other than myself. The creditor and debt collection companies have both failed to provide me with signatures that would identity the debt to be mine and they have harassed me at work for long enough over debt I don't even personally owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Many times within the last five years I have disputed this with portfolio recovery associates. I have asked them to prove that I owe this debt. All they sent me each and every time was four pages that showed amounts from $ XXXX- {$1600.00} which I disputed. I asked portfolio recovery on many occasions to send me from day one anything that shows that I purchased something, a signature card where I had signed for something. They have not provided me any information that I have asked for. And the funny thing is I asked them on XXXX XXXX XXXX and they had an answer for me on XX/XX/2021. Even though I dont owe this amount of money I have offered to settle with them for {$500.00} if they are willing to take this off of my credit bureaus all three and they have refused. My complaint is that they are not thoroughly investigating Any of the debts that I owe. That is my complaint and if I dont get this resolved by you Im taking them to court and I am suing them for XXXX figures through my attorneys XXXX and XXXX. They have ruined my credit reputation, they have not done their legal fiduciary responsibility and Im sick and tired of calling them and have them being rude to me telling me that theyre going to sue me at threatening to sue me and they never do so I hope you people can certainly help me out. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had this credit card account for over 10 years and it is in good standing and has never had a single late payment. I also have considerable other financial relationships with Citi, all in good standing. As a complete surprise, I received a letter dated XX/XX/2021 informing me that my credit limit had been lowered from {$15000.00} to {$1700.00}, for " serious delinquency ''. I do NOT have any " serious delinquency '', nor do I owe any money to anyone, I pay this card and ALL other revolving accounts IN FULL every month. It is absolutely unacceptable for Citi to " nickel-and-dime '' me in this way. I usually use this account for charges of around $ XXXX {$4000.00} a month in order to generate XXXX points and I always pay in full each month, the new limit makes this card practically useless. In addition, Citi stated that their decision was based on a report from XXXX Credit Information Services. I reviewed my XXXX credit report and found no negative information of the sort stated by Citi in their letter.

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 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase bank charges interest on interest. Every other credit card I have ever had, if you pay off your total balance by the payment date your balance remains XXXX until you charge something else. When you pay off the balance due on Chase, they send you a bill the next month for interest. You pay that off and the next month you get a bill for interest on interest. This will continue if you do not pay the new interest charges the day they hit. I dont think this is legal. This is the second time this has happened to me with Chase. I have closed the account and will never bank with them again. They are criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVAD Management Consulting, LLC
State: FL

Complaint narrative:
WE have been contacting Novad Management Consulting XXXX XXXX XXXX XXXX XXXX ! XXXX XXXX XXXX Ok XXXX WE took a second mortgage on our home due to the deferred house payments due to Covid. 

We are refinancing and have been trying to get an official payoff from them for over 1 month. Our title company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX has submitted the request as per their instructions on 3 separate occasions. XXXX XXXX has been instructed to wait 5 business days for an answer. We have yet to get an answer, they have been on hold sometimes for 2 hours and then hung up upon. Our rate lock is expiring and we may end up with a higher interest because of Novad 's lack of cooperation. We are clear to close and just need this payoff from Novad to close the file and pay them off. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: FL

Complaint narrative:
A two days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as 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 explanation
Consumer complaint received 2021-05-18 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: FL

Complaint narrative:
A two days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: VA

Complaint narrative:
The loan is for {$6000.00} the interest rate is I believe over 139 % apr. I received my first statement and made my payment via my checking on time. It is a monthly payment of {$380.00}. I need clarification on the date and final payoff amount. I was having issues with not being employed due to XXXX XXXX and actually lost a member of my family. I feel as if I was being taken advantage of during a very emotional time. Any advice would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Notice of Dispute Pursuant to Section 611 ( a ) of the Fair Credit Reporting Act & Section 168 of FCRA the following item listed below does NOT match my records nor the Credit Bureaus records. Under this same Act this information must be DELETED at once from my Credit Report.

I recently obtained a copy of my consumer credit report from your Bureau and hereby dispute the completeness and accuracy of the following information. I demand that your Bureau correct this information immediately. The information I am disputing is as follows : The Bankruptcy is being reporting incorrectly. Your Agency is reporting a Chapter ( XXXX ) Bankruptcy. That is incorrect and should be Deleted Immediately. 
Under Section 168 of the FCRA this info does NOT match the records of both your Credit Agency and my own Files. Therefore, this item must be deleted under law. 

Furthermore, the bankruptcy was removed from the other agencies due to the information received from XXXX XXXX of identity theft.

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 2021-05-18 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: IN

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I ordered an {$440.00} item from an XXXX seller ( now defunct ) using my credit card issued by : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX The XXXX seller subsequently provided a fraudulent confirmation number claiming that XXXX had delivered the item I ordered on XX/XX/XXXX. 

I was at home at the stated delivery day and time, and no package was delivered. I called XXXX after receiving the fake delivery claim from the seller, and confirmed the following : No package delivery to my address had been attempted by XXXX on that date. 

The delivery confirmation number the XXXX seller provided was for a 7.10 lb. 
package, and certainly not for the approximately 90 Lb. item which I had paid {$440.00} for. 

The package was sent from an XXXX account ( whose identity XXXX would not disclose ) not from the XXXX seller who billed me. 

And correctly delivered by XXXX to another party at another address in the same zip code, as the sender directed. 

XXXX stated Their was nothing they could do, as this delivery was flawless, it just had nothing whatsoever to do with me or the item I had been billed for. 

I have stated the same over the phone to three XXXX Mastercard representatives, and also in multiple written communications, and pointed out that they merely have to contact XXXX to confirm that delivery was never made, and I am not responsible for payment. 

XXXX Mastercard has reputedly replied with form letters asserting that I actually did receive the item I ordered, without making any attempt to investigate the facts proving otherwise. I believe that XXXX Mastercard 's refusal to investigate and settle this claim in my favor prior to this time is a violation of the Fair Credit Billing Act.

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 2021-05-18 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: MI

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: TN

Complaint narrative:
My wife and I borrowed money for college from the years XXXX. We both had Stafford loans and shortly after we got married in XXXX we began making payments on our student loans. At the time, it was " XXXX '' that serviced our Stafford Loans. Unbeknownst to us at that time, as young and inexperienced borrowers, we decided to consolidate our student loans together at 6.875 % and begin paying on them together. 

Well, it wasn't long after that that we realized we didn't have the money every month to make the payments we were required to pay and so we put our loans in deferment. Due to circumstances out of our control in the following years, we still were unable to pay on our student loans and we ended up putting them into forbearance not realizing that our loan balances were continuing to have interest appreciate on those balances. 

About ten years ago, Sallie Mae was taken over by Navient and we were told to put our loans in forbearance again. But by then, we had already accrued a ton of interest on our loans. We finally went into an XXXX plan while our loan continued to accrue interest and we made very minimal payments on the loans. The amounts we were paying were simply paying interest and we had no hope of any of that money every going towards any principal. 

Fast forward to XXXX where we are still making payments on these loans with no hope of ever paying off the balances. Navient has done nothing to help us figure out if there are other options to determine how we can ever pay these loans off. Our income is slowly starting to grow as my wife and I have had new jobs and we are watching our IBR payments continue to rise while none of these payments go to help us pay off any principal. 

Over the years, we have been pushed into forbearance before being given the option of IBRepayment, thus accruing ridiculous amounts of interest onto our principal balance and now, {$45000.00} worth of original student loans has grown to over {$94000.00} of repayment. Interest accrues daily and we still are watching our loan balance climb with no way of making a dent in the principal. 

If there is any way we can get some relief from this growing mountain of debt that just continues to grow ... we would be grateful. Navient has simply taken advantage of people like us in a needy situation and profited off of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: NH

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX, {$2800.00} was withdrawn from a joint checking between myself and a former spouse at Navy Federal Credit Union. We are currently divorced but we do still have a mortgage open with the credit union, as I occupy the home with our minor daughter. 

When I phoned to find out why, I was advised the {$2800.00} was applied to a credit card charge-off from XX/XX/2012 belonging to XXXX XXXX. At this time, he had a credit card and restaurant go out of business and I know he also pursued bankruptcy. 

They shared with me the following, see Section 5 : https : //www.navyfederal.org/content/dam/nfculibs/non-search-pdfs/nfcu_573cc.pdf My question is the timing, is there no statute of limitations on credit card debt? Are they allowed to collect on this money for eternity?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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