vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 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: AmeriCollect
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down. 

I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX  and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector. 

Americollect Inc. XXXX XXXX XXXX, XXXX XXXX WI XXXX. Acct : XXXX, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received two emails, both from Synchrony Bank. They both state a " trial deposit has been made to my account. '' One is supposedly tied to my AMAZON account, I don't have a Synchrony Bank account or an Amazon Card. 
I did not request or solicit this " trial deposit ''. 
There is no information to contact this bank - only a reference to the FTC website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: MD

Complaint narrative:
Hello, I have spoken to Numerous personal from my fedloans about 24 missing qualifying loan forgiveness payments. Instead of my payments being manually calculated as promised on XX/XX/XXXX I received a letter stating that my account was 30 days past due with a balance of {$650.00}. My student loans have been on an automatic debit since XXXX. I am unsure how it is possible to have a bill in this amount with automatic debit which is taken out monthly on the XXXX of every month. 
I have been informed by the following personal that this matter would be resolved shortly. I was informed by XXXX # XXXX and name unknown person # XXXX on XXXX that there was an error made on fedloans end. I was informed this error occurred because I changed my payment plan from IBR to a revised payment plan XX/XX/XXXX. Instead of the female worker name and number is unknown suspending my interest payment she never did.She did put in place the minimum payment of {$5.00} which I paid {$5.00} on 2 occasions. The first time being when my payment plan was changed XX/XX/XXXX. The second time being XX/XX/XXXX. 
I spoke with XXXX # XXXX at XXXX on XX/XX/XXXX and requested that my 24 payments towards loan forgiveness be properly calculated. There were 24 payments that were missing. I was informed Fedloans had to manually fix the error. XXXX # XXXX at the time confirmed the error I called back on XX/XX/XXXX and spoke with XXXX # XXXX and was informed that the matter was still pending. 
I was not informed of the current bill until XXXX. Up until this point my bill has been current. I was told this happened because Fedloans was working on rectifying my qualifying low forgiveness payments that were not counted.I continue to not have my qualifying payments counted but now I am getting a bill with a threat of this being on my credit report. 
I spoke to XXXX  # XXXX on XX/XX/XXXX who stated that she could see a review on my account for qualifying payments. XXXX  # XXXX stated on XX/XX/XXXX that XXXX # XXXX made a request to have the interest on my account capped. This review also continues to be pending. This same review was requested on XX/XX/XXXX which the system shows has been completed but not resolved. 
I then requested to speak to a supervisor XXXX # XXXX who stated that the problem appeared to occur after I was transferred from a IBR to a revised payment plan. XXXX # XXXX stated that in order to qualify for a payment of {$5.00} I will need to qualify for a forbearance. Ms. XXXX # XXXX continued to acknowledge the error was not on my end and she apologized. The issue still is not resolved. I was informed that the issue would be reviewed in detail, taken care of and myfedloans would get back to me. 
It appears that after trying for months to resolve the matter, I have no choice but to seek your support in resolving this matter. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
XXXX XX/XX/19 refuses to credit the duplicate charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down. 

I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector. 

XXXX XXXX XXXX XXXX XXXX, XXXX , WI XXXX. Acct : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX Acct:XXXX, XXXX, XXXX, XXXX Commonwealth Financial XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: Choice Recovery, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down. 

I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX   and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX. Acct : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting two accounts some company by the name of XXXX XXXX which indicates they are student loans. This never showed up the entire time I have been working on my credit until XX/XX/XXXX yet both accounts indicate they opened XX/XX/XXXX so why wouldn't they show up before now if they truly were mine? I never took out any type of loan with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: Conn's, Inc.
State: NC

Complaint narrative:
The company is Cons Home Furnishings. Their website states you can get prequalified without impact to your credit. I submitted a prequalification since it does not submit a hard inquiry or impact my credit. The company pulled my credit anyways causing a hard inquiry to show up and in fact lowered my credit score. I did not consent or give permission for a hard inquiry. Their website is misleading and intentionally lies to consumers that they do not impact their credit for a prequalified application. I have submitted several disputes to equifax and had submitted a complaint to the FTC without receiving any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Throughout my home refinance application process Chase Mortgage Loan/Underwriting personnel acted in " bad-faith '', committed over-reaching in requiring irrelevant personal information unrelated to my creditworthiness, acted capriciously both over the phone and in email messages and misrepresented information to me. After 2 1/2 months and numerous personnel being involved even at the Executive level I was informed Chase was denying my loan for " business reasons '' I objected to this and will refuse to accept my {$500.00} deposit they have returned to me until this is resolved to my satisfaction. 

Additionally, and after the fact, Chase sent me a letter advising I had " withdrawn '' my application which is false, potentially libelous, and misrepresented the facts. This has caused me financial damages in having to secure alternate financing at a higher rate than conditional approved of by Chase. I have also incurred additional time and expense in prosecuting this and a corresponding Complaint with the Office of  Comptroller of the Currency in case # XXXX. As long-term Chase customers with previous and current loans and multiple deposit accounts this conduct and their " bad-faith '' denial of my loan is reprehensible and unacceptable. Chase Mortgage Lending actions have also called consequential financial damages to my ex-spouse as she incurred penalties related to securing her separate financing with her own Chase loan. She is filing her own OCC complaint as well as an affiliated and party to this transaction as her legally entitled funds were a part of my refinancing efforts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
We moved to a new state and were unaware and not told about a school tax of XXXX per year. All of a sudden our proceeds check from the sale of our previous home was that much less. We also were not notified that escrow did not include ANY taxes for the next year. 3 months after obtaining the loan/moving in an escrow analysis was done and our payments are going up 33 %! It's $ XXXX per month increase we were unaware that this could even be a possibility. Escrow was to cover taxes so how is it that this is possible? No return calls from loan processor, his boss, or for the 2 messages I left for consumer affairs/complaints dep't. I already spoke with the city assessor and our tax amounts didn't change nor did the house assessment value. This is generating a severe hardship ( both situations ). We would have NEVER been approved for this mortgage had they done a proper analysis for escrow, etc.Not to mention the closing document was changed after we signed at closing. The entire process was very frustrating, difficult, not followed through with in a timely manner, and now we are stuck in a rut. How is it that this slipped by our lawyers as well as Mr Cooper 's lawyers? Is it not illegal to avoid disclosing these potential situations?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NV

Complaint narrative:
Netspend sent me an unsolicited card in the mail leaving me susceptible to fraud. I received an email explaining that they were sending me a card and that I needed to activate it immediately. Only problem is I did not request a card from them nor did I fill out an application for a card nor did I request to become a customer of their bank. Netspend repeatedly sent me unwanted emails putting pressure on me to activate the card. I have excellent credit and do not need a prepaid credit card. I also take ID theft and my data security very seriously which is why I am filing this complaint. Someone could have intercepted the card and activated it. The card and any future transaction would then be done in my name and on my credit. I also could not tell if someone was sending me a gift card or if the card was an actual credit card. All communication was driving me to activate the card for the sole purpose of putting me in a position to pay fees to Netspend. My main concern is the fact that I never initiated any of this activity. I did not contact Netspend or fill out an application to receive one of their products. They had no problem exposing me to fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: OH

Complaint narrative:
I have working with a credit repair company to remove a capital one charge, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: GA

Complaint narrative:
I submitted three certified dispute letters to the three credit bureaus disputing two unverified accounts appearing on my credit reports. The two items in question on my credit reports are, XXXX XXXX XXXX and US Dept Of Veterans Affairs. In the prior responses from the credit bureaus they were all basically stating the statuses reported were " accurate or verified. '' On XXXX XX/XX/2019, I submitted the fourth and final dispute letters to the credit bureaus prior to submitting this complaint to the CFPB. 

I received a response from XX/XX/XXXX and XX/XX/XXXX in the mail around the XX/XX/XXXX, a credit report from XX/XX/XXXX and a letter from XX/XX/XXXX ( I misplaced the letter and it is not include in this complaint. ) I received the response credit report from Trans Union on XX/XX/2019. But, all the letters are typically stating the items were verified as accurate. I find that assertion to be inaccurate due to the fact that under the FCRA, the credit bureaus are required to have a copy of the original creditors documentation on file to verify the information on my report is mine and correct. 

In the investigative results from the credit bureaus, they stated in writing they " verified '' the items were being " reported correctly. '' Who verified these accounts? I have not been provided a copy of ANY original documentation ( a contract with my signature on it ) from any of the disputes I sent to the three credit bureaus! This is a violation of Federal Law under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A. ) The credit bureaus have also failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ).

The law is very clear in that the credit bureaus are required to " promptly DELETE all information which can not be verified, as per Section 611 ( 5 ) ( A ) of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquiry details : XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DEBT 0, INC
State: FL

Complaint narrative:
the company named is XXXX Main office XXXX XXXX XXXX  XXXX XXXX  fl XXXX phone number:XXXX The purpose of this company is to collect an specific amount from your bank account each month. In my case {$760.00} each month and place the money in escrow in a bank called XXXX XXXX XXXX to pay the creditors when they got settlement They stated that if the credit card call you do not answer the phone because they are going to lied to you. 
In my case my husband answered a phone call from one of his creditors and informed him that this company has not called them or execute any kind of settlement. we called XXXX XXXX they did not answer the phones calls or put you in hold indefinitely. I have to go in person to resolve the issue. I request to receive my {$3000.00} back because they were not representing to us. The manager told me in person that all that money they are going to keep it because they were working in the accounts. they have {$120.00} administrative fee plus {$15.00} monthly service fee equal {$140.00} x four months equal {$560.00} they should return {$2400.00} they just placed back into my account {$450.00} When I called XXXX requesting my money in escrow they just saying that they return what ever amount XXXX XXXX tells them to do. I feel frustrated and robed from this company and I please ask you kindly to help me to recuperate my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 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: USA Service Finance LLC
State: TN

Complaint narrative:
I noticed negative reporting from USA Service Finance when I pulled my credit report on XXXX XXXX, 2019. On XXXX XXXX, 2019, I wrote to inquire about the debt .I have attached a copy of the letter and certified mail receipt. I have no knowledge of this account so I asked for them to verify the debt and provide proof that this is, in fact, my debt. It has been more than 30 days and USA Service Finance has not responded to my request. I believe it is unfair for this organization to report negativity on my credit and refuse to valid my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation