vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
These dates are incorrect. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I started college in XX/XX/XXXX. I finished my XXXX degree in XX/XX/XXXX, XXXX  in XX/XX/XXXXand my XXXX in XX/XX/XXXX. I did not pay {$250000.00} for my education but due to the interest as a result of forbearance that is my current debt. 

I switched from private sector to government in the hopes that I would be able to have some of the debt forgiven. 

At this point I am not sure what will transpire but wanted to submit a complaint in the hopes that I would be able to get some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
Credence Resource Management reported to XXXX   that they were the " Collection Agency/Attorney '' for XXXX and reported that I owed {$530.00} to XXXX and that XXXX should report in on my credit report as " PLACED FOR COLLECTION '' on XX/XX/2019. I have never received any services from XXXX. I first contacted XXXX by phone asking about the debt and they told me they could not find any account for me. When I asked why their " Collection Agency/Attorney '' had reported the debt to XXXX  they stated they would put me on hold and contact Credence Resource Management. They left me on hold for a long period of time before finally taking me off hold and immediately hanging up. That call lasted 42 Minutes and 6 Seconds. While still on hold with XXXX I called Credence Resource Management on another  phone. I was transfered to 4 different people claiming to be " Customer Service '' in the first instance, " Collections '' in instances 2nd and 3rd and " the Legal Department '' in the 4th instance. Each person told me they were not able to locate the debt and asked for a lot of personal info, which I provided and also asked for the XXXX account number, even though I had explained several times that I had never had an account with XXXX. I finally hung up after realizing there was no attempt at all being made to help me and instead was being transfered around a call center as a tactic to wear me down and I hung up. That call lasted 41 minutes and 51 seconds. I then contacted XXXX and disputed the {$530.00} entry for all the reasons mentioned above. XXXX   states I will receive the decision in the dispute within 30 days. Based on the many complints I see online about erroneous XXXX debts being collected by Credence Resource Management and the experience I had with neither of these companies making any attempt to resolve the issue, I feel something sholld be done to curb this activity from continuing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank, N.A. sent the IRS a 1099-C for a student loan account from 20 years ago. Over the last 20 years I was financially unable to pay either unemployed or had too many financial debts. The lender refused to work out any kind of payment plan so the account became time barred about 10 years ago and now that I am employed they are using the 1099-C as leverage against me and retaliating because they can not garnish my current wages by lying to the IRS stating they forgave the debt in XXXX for which they never did, they never notified me of a debt forgiveness and they are trying to get another tax deduction for an unpaid debt they I am sure already received a tax deduction for and putting me in a position to have to pay tax on the debt. What business can get a tax deduction for an unpaid debt from years and years ago? If they are not gaining a tax deduction, then why did the submit the 1099-C if it is not an attempt to leverage the IRS against me or as retaliation for debts on their financial ledger they can not collect on because they are legally time barred? Since XXXX or XXXX the IRS changed their rule requiring creditors notify debtors of the forgiven debt within 36 months, now that that IRS rule has been eliminated it appears that the lender is taking liberty to go back years and years on time barred from legal action debts and taking a legal action anyway by filing a fraudulent 1099-C. I don't think the 1099-C can possibly be valid on such an old debt. This is consumer financial abuse for debts that are already time barred. The private student loans total {$19000.00} which is a great deal of tax I am being required to pay now. How can this be legal? Is it simply because a lender sends in a 1099-C?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2019-11-01 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: CO

Complaint narrative:
I took one semester of classes during residency in XX/XX/XXXX and took care to reverse the student deferral of loan payments that was put into place without my requesting it. I continued to make payments during the semester but later found out that fedloan servicing had not counted those payments toward my 120 payments for PSLF. I initially called about this in XX/XX/XXXX. All of the individuals that I have spoken with at fedloan servicing agree that the payments were made and should count toward the 120 payments. I have called about every 3 months since XX/XX/XXXX and this complaint still has not been resolved after over 2 years of trying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I Have sent out 4 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks

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 2019-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: MN

Complaint narrative:
I have disputed this account before due this loan was taking out on behalf a identity theft and I am not responsible however the debit collector and lending club said they do not believe me. Which is very biased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Consumer Portfolio Services, Inc.
State: DC

Complaint narrative:
Consumer Portfolio Services account # XXXX is reporting an Auto Loan of {$1800.00} on " ALL '' 3 Of my credit reports. I contacted Consumer Portfolio Services about the account & was threatened if I didn't get on a payment plan, this will remain on my credit reports. I didn't understand why they couldn't remove the account since it's past the statue of limitations ( Isn't it my right to have this removed? ) I was easily manipulated into getting into a payment arrangement of {$150.00} a month until the balance is paid off. Since I no little about credit & these situations affect my job I made a payment XX/XX/2019 of {$150.00}. I later was researching and saw after 7 yrs. a closed account should be/could be removed due to your rights under the Fair Credit Repotting Act. I tried disputing this with the credit Bureau 's but they will not remove the item. This account is past 7 yrs. old, it's 7yrs and 4 months old. Can you please help to remove this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Credit Corporation
State: NY

Complaint narrative:
XX/XX/2019 I applied for a loan on Avant.com the issue that I have is they advertised its a soft credit check meaning it wouldnt effect my credit report at all they send me a email in XX/XX/XXXX that it ended up being a hard inquiry on my credit False advertising and messing up my credit score I been trying to contact them on multiple occasions Multiple emails I get we have received your inquiry thats all I get and nobody has gotten back to me as of yet this has been frustrating and stressful as well first off they lied and months later 8 months they finally notified me that they did that so I see this as an issue and I tried resolving this with them but now I rather go through you guys to see what can be done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
So navy federal is charging me {$270.00} and {$270.00} for debt collection or overdraft fees from my checking & savings account with them I dont know nothing about overdrafting or being in debt with them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I was taken a look at my XXXX XXXX report and I see I have a collection debt account for {$470.00} from TRANSWORLD SYSTEMS for XXXX XXXX XXXX I have no knowledge of this company account with TRANSWORLD SYSTEMS for XXXX XXXX XXXX taken in XX/XX/2016 This is the only collection on my credit report and I would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent two dispute letter to Equifax credit bureau showing my name, address, ss #, and job information.They keep sending me this stall letter saying that were unable to locate a credit file in there database with the information I provide.I sent them everything they need for them to assist me.So, I need your help now in this situation.Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CA

Complaint narrative:
THE ACCOUNT WAS CLOSED WITH XXXX XXXX AND THEY ACTUALLY OWED ME A CREDIT WHICH WAS AGREED UPON BY XXXX.THEN THEY SHOW AN OUTSTANDING BILL FOR EQUIPMENT NOT RETURNED AND EQUIPMENT WAS RETURNED AND THEY CONTINUED TO BILL FOR 2 MORE MONTHS AND THERE ALREADY NEW XXXX XXXX SERVICE THAT STARTED AY MY ADDRESS WHEN THE OTHER ONE WAS CANCELLED SO YOU CANT HAVE 2 SERVICES RUNNUING AT SAME TIME AND THEY REFUSE TO ANSER ME BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
I paid a bill for XXXX XXXX but it was sent to PlusFour inc, as a Collection, I work for XXXX  XXXX XXXX XXXX, we had a XXXX XXXX last XX/XX/2018. Congress passed a law station our credit is protected during a XXXX, they have not deleted it from my XXXX  credit file.

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 2019-11-01 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
A collection account listed with an original creditor of XXXX XXXX XXXX in the amount of {$1800.00} was added to my XXXX credit report by Portfolio Recovery Services on XX/XX/2019. The opened date of the account is listed as XX/XX/2019. I have never heard of this bank and have NEVER opened a credit card or account with them. I have not opened any new accounts in the last year. This is a fraudulent account that belongs to someone else and should be removed from my credit report immediately. I have never received any type of written communication or verbal communication from this either of these companies regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX CMS Carrington Mortgage forces placed insurance, for {$2000.00}. I already had insurance, l paid every year HOC in my condominium which include flood, hazards, and wind insurance, l called insurance department in their office and they mention to fixed, CMS, never intended they overcharged a row an result of an extra payment that put me behind in the loan, my credit was ruin l wrote letters, no success, finally Carrington send me to foreclosure with lawyer fees, on top, l was on XXXX XXXX. Im XXXX XXXX XXXX XXXX on my own, l paid the overcharges to lawyers fees etc. to avoid foreclosure, and wrote letters about the errors requesting moneys back, l didnt received answers about errors, l was not behind .and l paid almost 5,000 dollars to carrington , they never paid me back, or intended to resolved the negligence, In XX/XX/XXXX, Carrington started the same forceplace insurances, l wrote letters, credit ruin again XX/XX/XXXX, l continued making my payments on time they claim l was behind for the forced place insurance overcharges in scrow , XX/XX/XXXX, CMS , still continue errors, not wanting to fixed overcharges, XX/XX/XXXX l was in Disaster Area, due to Huracan in Florida , CMS really create Confusion to the loan, l had made may payments on Time, l have proved XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after huracan they overcharges and send me to foreclosure, in XX/XX/XXXX. Not allowing me to reinstate my loan due to the errors they have created. I hired A lawyer to avoid foreclosure and resolved the issue, CMS is not Cooperating to resolved their errors. Im spending 1 1/2 year to resolved situation. And paying lawyer instead of paying my loan, the money is for lawyer fees to avoid foreclosure. This is wrong doing, CMS has 2 class action suit agains them, l was not notify of any, l havent been compensated of any negligence .l founded on the internet. I will like to resolved this matter soon. Is affecting my personal life and health, CMS negligences, I will like to know what is to do next sue this company.?, l need to come back current on the mortgage and they are not resolving, since XX/XX/XXXX, CMS, has taking advantage of this loan and myself as a costumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: Opportunity Financial, LLC
State: NV

Complaint narrative:
In 2017, I receieved an email from the company that stated back in 2017 that my balance was reduced due to a settlement with the State of Virginia. I paid the account in full right after that. I just applied for a loan which was declined due to a charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PLS GROUP, INC
State: TX

Complaint narrative:
On the date of XX/XX/2019 at XXXX XXXX at PLS Check Check Cashers located at XXXX XXXX XXXX. XXXX TX XXXX XXXX purchased a {$110.00} money order receipt # XXXX, a postage stamp, and an envelope for the price of {$110.00}. I paid CSR XXXX the cashier with two {$100.00} bills. I was given {$02.00} change which was handed to her from a cashier to her right and when I asked where my other {$80.00} change she stated that I had only given her {$120.00} and I protested that claim and was told that they would count the cashier drawer to her left and it was an even balance and the the cash drawer in front of me and the cashier at the window where I was waited on was never counted. They then phoned the District Manager to view the camera of the transaction and there was no answer. The District Manager supposedly returned the call and viewed the camera and stated that I paid {$120.00}. I am a XXXX year old XXXX XXXX and live on a fixed monthly income of SSDI check. I however am aware of how much money use to pay for any service as I have full control of my faculties. I believe I was taken advantage of and deserve fair treatment. I have no problem with my information being used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/2019, contacted Chase Bank, about my account. They placed a freeze on my checking account. I contacted the bank and they informed me that the hold was due to XXXX XXXX. Except that I never recieved any documentation Went In person to Bank to see about getting a copy of the document. And the banker told me that he couldn't.

3 months later when hold was suppose to be lifted. The same employee informed me that my account was closed. Asked him that reason, and he again said he didn't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I had noticed the fraudulent transaction on XX/XX/XXXX of {$54.00} and due to that the 30 day late payment had occurred on XX/XX/XXXX from the credit report

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 2019-11-01 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: MO

Complaint narrative:
Greetings, I submitted a request for investigation to Equifax regarding a collection that is not able to be validated by the collection agency XXXX , XXXX. in the amount of {$460.00}. 

Under Confirmation # XXXX on XX/XX/2019 the following response was provided : XXXX , XXXX Account # XXXX >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX Equifax did not provide any supporting documentation that shows the debt is valid. XXXX , XXXX. has been unable to validate the debt and because of their inability to validate, the other credit bureau ( s ) have been unable to validate the debt with XXXX , XXXX and have since removed the non-validated collection.

Company response to consumer: Closed with explanation