vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA
State: NM

Complaint narrative:
I called XXXX XXXX to get help resolving a tax issue. XXXX XXXX said they would negotiate for me. they arranged a loan with Lending USA to pay for XXXX XXXX XXXX services. XXXX  XXXX   then told me that they could not negotiate for me, and so could not provide any service to me. 
Apparently, XXXX XXXX accepted payment from Lending USA for providing no services to me. I complained to Lending USA, informed them that I received no services, that Lending USA would have XXXX to pay if they attempted to collect from me, and if they affected my credit report. Lending USA then sold my phoney loan to XXXX XXXX XXXX, who is now attempting to collect over 6,000.00 from me. lending USA has put a negative item on my credit report. lending USA claims they are not involved anymore and will do nothing to remove the negative item. 
An important, vital refinance of my home is falling through because of lending USA 's negative item on my report. I have a 10 plus year career with the Federal Government, and negative credit report items may cause me to lose my job as well. Consequently, a lawsuit I will file if my name is not cleared could reach into a very high amount of actual damages due to the completely careless and immoral activity of XXXX XXXX and LendingUSA, who worked together to defraud me, and to rip off XXXX XXXX XXXX, and potentially cause irreparable economic damage to me and my family.

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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I contacted Equifax on Tuesday, XX/XX/2019. I wanted to make sure that my account had no freezes or security blocks to access. 

I was appalled to find out that Equifax uses a XXXX call center and requires me to supply confidential information to a 3rd world employee. Under no circumstances do I want someone to have my social security number, birth date and address information unless they are bonded and verified as safe. 

I do not trust the veracity of 3rd world support staff and the hiring processes involved in engaging them as employees. This practice should be banned for American credit evaluation service providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: IL

Complaint narrative:
On XX/XX/2019, my wife and I noticed ( 3 ) fraudulent charges on our joint checking account. All ( 3 ) charges were schooling related - XXXX XXXX and XXXX XXXX. Neither my wife or I are involved with any form of schooling, we don't have children, and we don't have other family members with access to our accounts. We called and filed a claim with Chase Bank for these charges. Sometime the week of XX/XX/XXXX, we received a letter in the mail from Chase Bank stating that they had concluded their research into the claims and found that the XXXX XXXX charges were valid and that they were taking that money out of our account ( {$110.00} ). We called Chase on Monday, XX/XX/XXXX to figure out what was going on. Chase informed us that the billing address and zip code used in the fraudulent charge matched our actual address and zip code, so they denied the claim. What they did NOT tell us, was that the email used in the purchase was XXXX ( we discovered this later on through XXXX ). My wife and I had to spend our work day digging into this and figuring it out because Chase told us that there was nothing they could do. I spent hours on the phone trying to get ahold of someone at XXXX XXXX after Chase told us they weren't going to help us. Finally, we got a hold of someone at XXXX who told us via email that the XXXX was used with the purchase. This email address is associated with a college in New York. After finding this out, I called Chase again and talked to them about the findings and faxed the findings over to them in order to try and get a refund. However, we haven't received anything back from them as of yet. Chase informed me on my final phone call with them that when they do their investigations, as long as ( 1 ) of the pieces of information in the fraudulent activity match ( email, address, name, etc ), they will automatically deny the claim. So we were denied our refund originally because the person who used our card number illegally had my wife 's name and our address, but yet the email address was based out of New York! 

This complaint is not against XXXX, as they did what they could to help us. This complaint is against Chase Bank. They have an entire team who are paid to investigate fraudulent charges on peoples accounts. They completely overlooked the New York email, denied us our refund, and forced my wife and I to do their research for them. Anyone with the slightest amount of common sense would have looked at the email and red flagged it immediately. 

As of 24 hours after providing the findings to Chase, we still do not have a refund for our {$110.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: MA

Complaint narrative:
I have 9 Federal student loans with XXXX XXXX XXXX XXXX. ( Totaling {$30000.00} ) When I graduated the loans remained in deferment for a period of time. I was NEVER notified when loans became due for repayment. Once this was discovered, I called XXXX XXXX XXXX to rectify the issue. I was informed that the issue was resolved yet my credit rating does not show that. XXXX XXXX XXXX   states my account is past due for 4 months ( XXXX ) in 2017. I have disputed this with credit bureaus. While the results state there has been an update, the credit reports still show the late payments. There have been no late payments and the account is up to date since speaking directly with XXXX XXXX XXXX. I do not believe I should be penalized for not being informed when the loans became due. I made a good faith effort to resolve the issue yet continue to be penalized due to the credit reporting. 
I would like the credit report to be updated to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I never received a bill from XXXX XXXX credit card company. They then closed my account but continued charging me fees. I paid the original amount due. My bank cashed a check in the amount of {$52.00} on XX/XX/, 2018. They ( XXXX XXXX ) sold this note to another company. That company ( Resurgent Capital Services ) failed to do anything to resolve this issue and refuses to acknowledge that I paid anything to XXXX XXXX even though I got a letter from my bank confirming the payment. Resurgent continues to pursue me and refuses to take this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: TX

Complaint narrative:
On XX/XX/XXXX, I submitted via certified mail in which was signed for on XX/XX/XXXX, a notarized FTC report, notarized police report, notarized personal statement and copy of my credit report including highlighted fraud and inaccurate items to the credit bureau. Per my request and FCRA rules the bureaus had 3 days to remove all listed fraud accounts and incorrect information from my profile however they only removed some items. I have given the bureau ample time past the allowed time given via the law to remove all fraud items and associated inquiries yet they are refusing. I have had a fraud alert and have taken proper legal precautions, such as flag my social and replace my DL since XXXX. I have even disputed such items and the bureaus have refused to properly verify the validity of such accounts, now they are refusing to remove them even with a Federal report and police report backing me as validity that the accounts are fraud. Please remove remaining fraud items from my report. 

Experian- remove all inquiries and XXXX XXXX credit card with balance of XXXX, XXXX XXXX- remove all inquiries and XXXX XXXX XXXX XXXX credit card with balance of XXXX, XXXX XXXX- URGENTLY remove all inquiries, two XXXX accounts, XXXX XXXX credit card with XXXX balance, XXXX account, XXXX XXXX  account, XXXX and XXXX XXXX credit card .

I don not have account numbers as I am not the original owner of these account and neither credit bureaus has given me any complete information on these accounts including account numbers.

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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
XX/XX/2019 - Applied for a car loan through a dealership. Was denied. 

Received a letter in the mail ( dated XX/XX/2019 ) stating denial and showing credit score results. XXXX reflected a seemingly accurate credit score ( I have never missed a payment in my life ) but XXXX XXXX XXXX showed a poor credit score. 
A quick XXXX search reveals countless testimonies to XXXX 's low credit score reporting and their spam-like behavior.

Sought my own financing and found it easily through a credit union because my credit is, in fact, excellent.

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 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
We recently pulled our credit report and discovered that Nationstar is reporting sporadic late payments on our closed account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to Nationstar 's Detail Transaction History for this account, a late fee in the amount of {$84.00} was assessed starting XX/XX/XXXX and for several months thereafter ( see attached ). The Date of First Delinquency ( DOFD ) is XX/XX/XXXX, which Nationstar admits.

According to the Fair Credit Reporting Act ( FCRA ), negative entries can only remain on the credit report for seven ( 7 ) years from the DOFD. Therefore, seven years from this date is XX/XX/XXXX, at which time all negative reporting must be deleted. As of this date, this negative reporting still remains on our credit report and Nationstar refuses to remove it.

This account was closed in XX/XX/XXXX, as it was refinanced with a new Nationstar account, which has never been late. We never had any late payments prior to or after this time period. We are requesting that Nationstar delete their inaccurate reporting on our credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a step brother who's currently XXXX at the XXXX  XXXX XXXX, I went to their website XXXX in order to buy XXXX in commissary for my step brother. The XXXX uses a payment processor XXXX to process payments in order for me to purchase commissary for my step brother. I created an account (I did not have to agree to any "Terms of Use" before creating this account, nor was i made aware of any), selected my step brother from their list, put in my payment information and selected the amount of commissary i wanted to purchase. They informed me that i would be charged "A nonrefundable fee of XXXX or 10.0000% of the deposit amount, whichever is greater, will be charged.", which i agreed to. When i looked at my credit card statement, i was charged XXXX from Capital One for a "Cash Advance Fee". I called Capital One to dispute this, explaining to them that no Cash was taken out of an ATM nor was any Cash given to the XXXX, i was simply paying for commissary on my step brother behalf since no Cash is allowed inside XXXX. They refused to wave the fee and said that i will be paying a 26% DAILY Interest fee on this amount as well until it's paid in full. I believe this is an absolute defraud of my Civil Rights as an American Citizen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: HI

Complaint narrative:
I have a problem with XXXX PSLF program. They said my account has been " in review '' since XXXX. I am trying to get an official letter stating the total months of eligibility I have received. They said its 24 months on the phone but they won't provide this information in writing. I have called 6 times over the last 6 months. They said their processing update time is normally " 10 to 12 month '' but since my account has been " in review '' since XXXX  this is well beyond their already lengthy processing time. I would like to find out what actions I can take to force them to acknowledge my student loan forgiveness eligibility before accepting another job in a PSLF eligible field.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
XXXX XXXX XXXX Account Vice President Ms.XXXX XXXX has sent Experian, XXXX, XXXX and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX XXXX XXXX information ,XXXX  XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX  direct number XXXXand fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX Lifetime, Retired and a US XXXX Honorable Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!

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 2019-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
So on XX/XX/19 PayPal emailed me stating that my account had been permanently limited, when I called to investigate the reason behind the limitation all they told me was I violated the user agreeement. When I attempted to ask what part I was informed I would have to subponea them to court to get further information. On XX/XX/19 at XXXX XXXX 4 days after PayPal said my account was CLOSED they still accepted the direct deposit from my tax return in the amount of XXXX . I called paypal immediately at XXXX XXXX   on XX/XX/19 when I realized what had happened. The lady I spoke with said she was going to submit an escalation to the back office to have my tax refund released since it was a direct deposit from the IRS. I was told to wait 48 hours so I did, I call back on XX/XX/19 to check the status and was told it was still open but hadnt been processed, I was then told it normally takes 72 hours so I waited another day and called on XX/XX/19 and was told they need more time yet again. Its now XX/XX/19 and PayPal is telling me that its open still hasnt been review but most likely Ill have to wait 180 days due to the chance of a charge back which doesnt make sense because its a direct deposit. Not only is this inconvient but its also causing me to potentially lose my home, my education as well as my vehicle all things I have worked very hard for. I just want my tax money which is rightfully mine to be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: DC

Complaint narrative:
Selene is in the process of a auction forclosure Sale date is XX/XX/XXXX. The judge ask me last time when I was in court do I wish for them to process the Forclosure. I dont understand why she asked this because I actually have a mortage statement from Selene that was issued on XX/XX/XXXX that says that they have completed the first Forclosure proceedingXX/XX/XXXX. Even though I never got notice that they had even started the process at first. I am not sure exactly when the exact date started of the forclosure but had my address but never sent me notice that they had started the process. I am trying to find out the initial day the forclosure proceeding started. I also see on XXXX that the house was sold XX/XX/XXXX for {$120000.00} so how is this possible if they are taking me to court now to do a forclosure. i dont know what is going on but can you see if you can get some answers to these questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have contacted Experian on 3 or More occasions asking them to verify the information of a repossession with XXXX account number XXXX. The first time was in XX/XX/XXXX I did not keep the record of the letter but I have a certified mail receipt that they received it. The second attempt was sent XX/XX/XXXX after a response from them stating that the account had been verified and updated. The certified receipt number XXXX sent on XX/XX/XXXX received on XX/XX/XXXX. I got an update that the account dispute was received by Experian and then it was updated as verified XXXX. 
The third attempt was a letter asking them to verify it, certified receipt number XXXX sent on XX/XX/XXXX it was received my Experian on XX/XX/XXXX. This last time I received an alert from Experian XXXX saying again the account is verified. I asked them to show proof 3+ times that this account is mine and accurate. I have seen no such prod which is a violation of my rights and I have also asked them to remove the information if proof was not presented.

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 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: TN

Complaint narrative:
In XX/XX/2018 I received approved paperwork for a mortgage loan modification through my lender, XXXX XXXX. First payment was scheduled for XX/XX/2018, which I made. Later in XXXX I received a statement ( that had been mailed to an old address ) from another company, XXXX XXXX, showing they were the mortgage lender and I was more than {$12000.00} in arrears. I have not received any further documents from them. I called XXXX 's customer service, and each time was told I had to talk with a loan officer named XXXX before anyone could help me. I have attempted for four months to contact XXXX, by phone and e-mail,. All I ever get is voice mail. I have been trying to find out why XXXX has incorrect loan data on my account, if in fact they now handle the mortgage. I have even sent them a copy of my modified loan contract. Still no success in talking to anyone there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I got a call 10 to 12 years ago from Protfolio Recovery Associate, LLC that I owed something about {$5200.00} including late fees I told them I dont have credit card from XXXX XXXX XXXX and i hadnt live riverside since 12 months ago after talking with manger and I will not file complaints if they remove It after that I didnt get call until few days ago I got bill that I owed {$9100.00} that I can make payments It seems PRA didnt remove It and they arent willing to do so I will file complaints now also I dont know if this account in my credit report please help to remove It.

Company response to consumer: Closed with explanation