vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-13 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: NE

Complaint narrative:
I reached out to XXXX ( XXXX XXXX XXXX, XXXX, GA Phone : XXXX ) in XXXX of XXXX because there was an inquiry on my credit report. The person I spoke to said there was an inquiry made, a card was offered but was not accepted. I explained I have never heard of them, was not interested in a credit card and this was fraudulent. The customer service rep said that everything was " deleted '' and that it should come off my credit report. I then on XX/XX/XXXX filed another dispute which came back as " inquiry is a factual record of file ''. 

On XX/XX/XXXX I called the fraud department at XXXX and spoke to " XXXX '' who said the same thing, put me on hold and then came back and said we refuse to do anything about it. 

I want my report clean of this fraudulent company and ask that they be sanctioned for not following Fair Credit guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FMS Inc.
State: IA

Complaint narrative:
A representative called and told me I have a XXXX balance outstanding ... I told them I sent them a dispute letter ... he told me it doesn't matter because I didn't pay it. Told me I would go to jail if I didn't pay ... I told him it's federal law to provide me with a validation letter ( which they have not ). He told me good luck in court ... I said I don't have any income and I owe more on my house than it's worth ... but I dispute the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Starting in XX/XX/XXXX, Navient had my name attached to someone else 's social security number ( 1 digit off ). Her credit information was mixed in with my credit report with the credit bureaus. After several communication, filing an identity theft affadavit, etc. it was supposedly resolved. However, each year, they continue to harrass me and now PCR , Inc. ( Pioneer Credit Recovery , Inc. ) has continued to send me threatening pieces of mail stating I have to pay or they will garnish my wages, etc. 
Today, at XXXX XXXX CST, they contacted my neighbor and left a message for them to contact me to call them back. I am humiliated and outraged at this! I've called them repeatedly, the last time was XX/XX/XXXX when they sent me another letter using Ref Num XXXX, Creditor XXXX, Principal {$82000.00}, Interest Amount {$9300.00}, Interest Rate 6.62 %, Collection Charge {$11000.00} AND Ref Num XXXX, Creditor XXXX, Principal {$72000.00}, Interest Amount {$8000.00}, Interest Rate $ 6.62 %, and Collection Charge {$9600.00}. 
I am beyond frustrated that they have been allowed to harass me for 3 continuous years. I've taken all steps they requested to permanently remove my name, address, and any other information about me to this lady 's bad debt and now, they are starting up again. This is very upsetting and I fear they will contact my employer and create problems for me in my workplace when this has absolutely nothing to do with me AND they know this! 
PLEASE help me. I am at my wit 's end and am emotionally upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Company is XXXX XXXX XXXX. They have repeatedly have been trying to collect a past due XXXX XXXX bill that does not belong to me and from an address i have never resided at. Have had debt removed twice and they keep putting it back on and will not provide me with any authorization of debt. Also they keep closing out the debt only to reage account to collect past statue of limitations. Amount is for XXXX from XXXX XXXX my local gas company. Although i have never had XXXX XXXX   services in my name ever. Plus when you call the number on credit report to reach company it is not the correct company it is something called XXXX XXXX XXXX. Have alsonhad removed from other reporting agencies however experian doesnt seem to want to help either they seem to verify false information to keep listings on report that are not valid or wrong.

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 2020-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: OH

Complaint narrative:
I took a mortgage with Sterns Lending in XX/XX/XXXX for a condo in Florida. At the time of closing the state official who processed the closing documents notified me that my mortgage seems to have been sold already. The person at Sterns that I dealt with denied it. The next month I received a notice that XXXX XXXX was collecting my mortgage payment and I was given address to send payments. Since then I have been given a new address to send payments with no explanation. Upon calling XXXX to find out what was happening with my mortgage and to ask them if they owned or were selling my mortgage they told me my mortgage wasn't ever owned by them that they were only a collection agency. They told me my mortgage was owned by a company called XXXX XXXX XXXX - a name I have never heard of before. I have no information from or about XXXX XXXX XXXX and no way to contact them. It is now mid XX/XX/XXXX and I have no idea who I have a mortgage with or who to pay. I have two different XXXX locations telling me to pay them. According to my research I should be notified if my mortgage is sold. Further, looking on line I see that Sterns ( original mortgage agent ) is in bankruptcy, but when I call the agent there he claims nothing is wrong and the he still has control of the mortgage.

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 2020-01-13 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: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XX/XX/2018, I placed a furniture order for 2 King Bed Sets, 2 Dressers, 2 Mirror & Nightstands, a Queen Bed w/ Mattress Set & 2 King Mattress Set from XXXX XXXX in XXXX XXXX Texas off the XXXX XXXX. The Salesperson " XXXX  '' told me that we should receive the complete order the week of XX/XX/2018. The following week passed by ... I received the 2 King Bed FRAMES with matching dressers, mirrors & nightstands but NOT the Queen bed frame, mattress set or dresser. I then followed up with " XXXX  '' asking about the status of my remaining order. He then told me the remaining items were on back order and he was waiting on the order to arrive at the store. Two weeks past by AGAIN and still no furniture. At this point, we're 3-4 weeks in and my daughter doesn't have a mattress or bed to sleep on when she arrives from College for the XXXX holiday. 

After continuous calls to XXXX XXXX, talking to XXXX and not receiving my remaining furniture from them, I called to cancel the remaining furniture. I immediately went to XXXX XXXX XXXX, ordered the Furniture & received financing from XXXX XXXX for the remaining furniture since my credit account was tied up with Affordable Furniture. I was advised, until my dispute with XXXX XXXX XXXX were resolved, I did not have access to my credit line. 

I disputed the amounts with both XXXX XXXX ACIMA because I didn't know the TRUE charge amount on either account. Due to my disputes, the merchant ( XXXX XXXX ) falsely submitted TWO DIFFERENT invoices to XXXX & ACIMA. One invoice ( Not originally given to me ) was submitted with NO ITEMIZED AMOUNTS in the description BUT listed the amounts charged to XXXX ( {$2800.00} ) + ACIMA ( {$2400.00} ) and the second invoice listed the itemized amounts [ prices ] to the side of the items ... .including scratching out the items that I NEVER RECEIVED/WERE CANCELED. I NEVER RECEIVED THE 2ND INVOICE! ... but it was submitted to XXXX  like this! As a result, the XXXX account dispute was confirmed and awarded to the merchant! : /!!! However, the items that were scratched out is what I was charged for by ACIMA. I continued disputing the amount with ACIMA but after a few months of going back & forth, ACIMA closed the dispute, awarding the merchant ... even though I didn't receive the items ... which were scratched out on the invoice.

I refused to pay for items I never received. ACIMA is currently reporting this account on my credit  reports negatively as a Charge Off Collection Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I filed a dispute for Pnc bank and my dispute was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: NY

Complaint narrative:
These accounts are past the reporting time that the credit bureaus can report negative information on the credit report and I've sent them dispute letter about 30-40 ago and they sent a letter back stating it was verified. I believe this is a violation of the fair credit reporting 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 2020-01-13 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: NY

Complaint narrative:
These accounts are past the reporting time that the credit bureaus can report negative information on the credit report and I've sent them dispute letter about 30-40 ago and they sent a letter back stating it was verified. I believe this is a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: KS

Complaint narrative:
My card keeps getting charged a XXXX but i haven't even been using it. The transaction keeps saying, debit : POS pin decline fee and i'm not sure why.

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 2020-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have contacted Kohls credit card company requesting a ' SIGNED CREDIT CARD AGREEMENT BEARING MY SIGNATURE ''. I have not received this information as of today. I have also sent in a copy of a FTC Affidavit, copy of my passport, and a Nevada utility bill. I did not contact Kohls credit card to change a address it was only supposed to be used for correspondence purposes only! Online fraud is flowing rapidly and I would like to see some sort of documentation with my signature on it so this can be resolved. I do have legal representation on standby if this do not get resolved immediately. Send the signed credit card agreement bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Wanted to close a XXXX XXXX account ( because of $ 25 Monthly service fee ) and open a normal ( free ) savings account under the same JP Morgan Chase account. Savings account had $ XXXX which they instructed must be disbursed as check to me instead of just putting it in the account. This was on XX/XX/2019. The check never arrived and now I have to do a " stop check '' and the estimate for the funds, which are no small amount, will not be available for 3-4 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
XXXX  charged on a payday loan chapter XXXX bankruptcy is active

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a secured credit card with Capital One that was closed due to the account being restricted. They closed the account in XX/XX/2019 and requested that all 3 credit bureaus remove the 7 years of account history from my credit files. This is a violation of the Fair Credit Reporting Act. 

Although the account has been closed, the history should remain as reporting for up to 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: Eastern Account Systems of Connecticut, Inc.
State: WV

Complaint narrative:
Amount of debt {$120.00} : I have disputed with XXXX XXXX, XXXX, sent certified letter to the debt collector ( Eastern Account System ) on XX/XX/19, asking them to verify the debt with my signature and/or provide names and address of person who verified the debt. NO response. 

Eastern Account System just continue to verify as accurate on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 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: CHECK INTO CASH INC.
State: OH

Complaint narrative:
Recieved payday loan amount of XXXX from. Filed bankruptcy in XXXX and asked rep at Check into cash would this effect my credit No was her answer and now XXXX this inquiry is there. XXXX XXXX  was the creditor that was listed on the credit report however I've never heard or been contacted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
THIS PHONE NUMBER /BUSINESS/DEBTOR IS CALLING FOR A FORMER EMPLOYEE ( SOMEONE BY THE NAME OF XXXX ) AT THIS JOB. IT IS NOW MY WORK NUMBER AND THEY CONTINUOUSLY CALL EVERYDAY INCLUDING SUNDAY AND AT LEAST TWICE A DAY ( SOMETIMES 4 TIMES A DAY ). I HAVE ANSWERED SEVERAL TIMES REQUESTING THAT IT BE REMOVED AND ADVISED BY THE REP THAT IT WOULD BE REMOVED ONLY TO HAVE IT CALL EVEN MORE TIMES A DAY AND MORE FREQUENTLY. THIS IS HARASSMENT AND IT NEEDS TO STOP IMMEDIATELY. 
THANK YOU IN ADVANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Auto Pro Title Pawn, Inc.
State: GA

Complaint narrative:
I got a title loan from A1 action Cash XX/XX/XXXX for XXXX they advertised 0 percent interest for 30 days the manager told me it was a minimum charge of XXXX dollars if paid out in full with in 30 days. I was contacted before it was due telling me that the district manager was not willing to agree to the 0 percent interest and wanted to change it to the 25 percent before it was even due. I said that wasnt in the contract I had signed and was not willing to change anything. I went to pay it out and they tried to add a XXXX dollar late fee even though I wasnt late paid on the XX/XX/XXXX this place is corrupt and needs something done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/XXXX This letter addresses the unfair and unethical practices by Bank of America, N.A. 

HELOC opened in XXXX with Bank of America Mortgage Company. 
XXXX Loan matured. Reached out to Bank of America to re-modify the loan. Request was denied. Monthly statements were still received and paid on time until XX/XX/XXXX. 

In XX/XX/XXXX we received a call ( no postal mailings ) for the total payoff of the loan. 
Contact was initiated on our part but were unable to make contact to speak to anyone directly. We thought it was a scam because no more calls or mail was received. 
Regular monthly billing statements were received which we paid on time every month. 

In XX/XX/XXXX the below occurred : XX/XX/XXXX when we received our monthly statement to pay full amount of the loan. 
Contact was again initiated with Bank of America Mortgage Company and no progress was made because I was informed both account holders needed to be available and my husband was not. 
Another attempt was initiated with Bank of America Mortgage Company we were transferred twice to two different departments and then disconnected. 

As per another lending institution for advice and here is what we were told : Our HELOC should have matured after ten years, where in that time we should have been able to borrow against it ( but we did not ). 
After the ten years deadline, we should have been able to refinance/re-modify. 
In XXXX we proceeded with re-modifying the loan with Bank of America Mortgage, but this was denied. 
No paper work was mailed regarding this, but monthly statements continued. 

Based on our experience, Bank of America Mortgage is not a consumer friendly nor consumer helpful institution. Their communication skills and customer services are simply unacceptable. My husband and I would really like to re-modify this loan so that we may start paying into the principal and eventually pay it off. 

Our goal is simply to get this loan settled, so that we will still be able to live in the house that we have tried so hard to maintain for our family. 

Thank you again for your time and consideration.

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