vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hired someone to assist me in helping me with some items that were due to identity theft and reporting them to the credit reporting agencies. I also faxed my information. I have not received a response and it has been been past the time frame. I have attached copies of everything I sent to them including the agreement I signed giving them permission to help me and contact me on your behalf.

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 2018-03-25 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: Convergent Resources, Inc.
State: AZ

Complaint narrative:
A collection agency has a collection with my name as the user for XXXX XXXX, I never had XXXX XXXX and its not Associated with any of my known addresses. Its not my bill.

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 2018-03-25 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: TX

Complaint narrative:
I hired someone to assist me in helping me with some items that were due to identity theft and reporting them to the credit reporting agencies. I also faxed my information. I have not received a response and it has been been past the time frame. I have attached copies of everything I sent to them including the agreement I signed giving them permission to help me and contact me on your behalf.

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 2018-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TN

Complaint narrative:
XXXX XXXX - Credit card taken out in my name that I was unaware of, charged thousands of dollars to, paid by my business account with USBANK without my knowledge.Have reported to local law enforcement, company fraud division, FTC. 
XXXX credit card - Credit card taken out in my name that I was unaware of, charged thousands of dollars to, paid by my business account with USBANK without my knowledge.Have reported to local law enforcement, company fraud division, FTC. 
USBANK - Business account illegally opened without my presence, had a party unrelated to the company on the account who was in fact the one who had opened the account. A total of XXXX in fraudulent charges to this account. Only recently discovered this when an investor was looking into purchasing my business and began questioning all of the non business related expenses. Have reported to local law enforcement, company fraud division, FTC. 
XXXX XXXX XXXX  - unauthorized signer wrote XXXX check to a friend. Have reported to the bank, local law enforcement and federal reserve.

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 2018-03-25 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: TN

Complaint narrative:
I started this process in XXXX when I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XXXX of 2017 into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have XXXX accounts with the same account number of XXXX and XXXX with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through XXXX XXXX now. Even though they show charge off they also reported a 120 day late for XXXX of 2017 even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have these strange accounts in collections that dont belong to me. 

I fear I may be a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: TN

Complaint narrative:
I started this process in XX/XX/XXXX when I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XX/XX/XXXX into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have 7 accounts with the same account number of XXXX and 3 with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through fed servicing now. Even though they show charge off they also reported a 120 day late for XX/XX/XXXX even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.

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 2018-03-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I started this process in XX/XX/XXXXwhen I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XX/XX/XXXX into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have 7 accounts with the same account number of XXXX and 3 with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through fed servicing now. Even though they show charge off they also reported a 120 day late for XX/XX/XXXX even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.

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 2018-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Upon selecting the option of making my XX/XX/XXXX payment due of {$3400.00} online with a statement balance of {$3400.00}. I received a receipt from American Express for {$3000.00} payment. From this point i was not able to login back into my account online, and attempts to call to investigate why i received a receipt for a different amount were unsuccessful because i kept getting hung up on while being transferred. I then receive next payment due reminder in the amount of {$1600.00} due XX/XX/XXXX, which left me under the impression that it was just a small error and my last payment was taken in full. I also received two merchant credits to my account in the amount of {$33.00} & {$250.00}. Through the following week I attempt to make my XX/XX/XXXX payment online unsuccessfully because American Express 's website would not allow me to login. Given that i was out of the country this was my only option to make payment. Upon arriving back in the states on XX/XX/XXXX i call Amex to make payment, and was told i had a 31 days past due. I did not receive any notice of any past due amount owed. This mistake has been reported on my credit and has taken my score down over 50 points! I have never been late on over the 5 years i have been with Amex.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25 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: WI

Complaint narrative:
While reviewing my XXXX credit report on Sunday, XX/XX/XXXX, I noted two items which do not belong to me and which I think may be related. 

1 ) There is a home address listed that does not belong to me because have never lived in the XXXX. Please remove this misinformation from my credit reports. The incorrect listing is : XXXX XXXX Former Address XXXX XXXX XXXX XXXX NEW YORK XXXX 2 ) There is a credit debt listed by a company with a {$830.00} debt listed I do not recognize but has the same address of one I do. Please remove this misinformation from my credit reports. 

The unknown credit card company and balance is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ N/A Charge $ USD XXXX XX/XX/XXXX The known and acknowledged card company is called XXXX  for a debt of {$810.00}. I paid that debt in full in XX/XX/XXXX. Its listing ( twice for some unknown reason ) is : XXXX XXXX XXXX XXXX XXXX, NJ N/A N/A USD XXXX XX/XX/XXXX A third error is with Capital One. After I paid my account in full, the bank closed my account and reported a derogatory comment. I have a XXXX balance and will never, ever do business with Capital One for its treatment of me both when I had my car financed by it ( which I subsequently refinanced at another financial institution prior to this transaction and since also paid in full ) as well as this credit card listed below. The error is that I owe it money which I DO NOT! 
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT N/A Account closed by credit grantor $ USD XXXX XX/XX/XXXX I would appreciate these errors being removed from my credit histories. If you have questions, feel free to call me at XXXX. Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase credit card opened and used without my knowledge, also payments made out of my company account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I sent a request for validation for the debt they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the President of the company XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Card opened without my permission or knowledge in my name. Thousands charged on card and even fraudulently paid by my XXXX business account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: IA

Complaint narrative:
I had been working on XXXX through XXXX University. In the summer of XXXX I stopped my courses to take a break from classes and because I worked full time. My original lender had been XXXX XXXX, then it was XXXX. I was notified by letters several times in XXXX that my loans were passed due. I did defer my loans in XXXX of XXXX because I was intending to complete my XXXX. XXXX turned the loans over to there collection company in XXXX even though I had deferred them. Having a difficult time with forbarance and deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
COLLECTIONS my ss # XXXX i disputed thi before 30 days XXXX XXXX  Last reported : XX/XX/XXXX- {$430.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$430.00} Highest Balance {$430.00} Opened XX/XX/XXXX ( 2 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX  See an error?

DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete.

CHECK DISPUTE STATUS Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) 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 2018-03-25 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: PA

Complaint narrative:
XXXX XXXX will not respond back to issue on my account they source it out to XXXX XXXX XXXX XXXX. On XX/XX/18 they sent the account back to XXXX XXXX in a disputed status. XXXX XXXX   will no respond back not even to they hired to collect which is XXXX XXXX XXXX.

I have mailed US Certified mail with no response. I have called and get nothin g but the run around.

When I switch from XXXX XXXX  they took 4 months to get the finale bill to to XXXX and had sent the account to collections before they settle with XXXX. I have letters going back that I mailed XXXX with no response.

There was a lot of errors with XXXX on this account and as yet to be settle.

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 2018-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email confirmation from Navient that they had received my income based repayment application. I received another email from Navient on XX/XX/XXXX confirming that my income based repayment had been approved. OnXX/XX/XXXX, I received an email from Navient regarding auto debit payments. My monthly payments were increasing to {$290.00} from {$28.00}. The document stated to make sure to apply for income based repayment or my payment will be XXXX. I emailed Navient on XX/XX/XXXX stating that my IBR application was approved onXX/XX/XXXXand my new repayment plan did not reflect an income based repayment. I asked for my income based repayment plan. OnXX/XX/XXXX, I received a monthly bill for XXXX. I still have not received my income based repayment plan and now I have been provided a bill not reflecting an income based repayment. I sent another email asking when I would receive my income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: FL

Complaint narrative:
A collection agency called XXXX shows an outstanding debt to XXXX of {$87.00}. This supposed debt was reflected before and I went through many phone calls to get it cancelled from my records -- and that took 90 days. XXXX shows no amount owing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
It all started when moved to another town. We forgot to put in a forwarding address and when Chase Bank sent out a letter asking to confirm we have insurance on a house it didn't forward to our address. Evidently Case put their insurance on our house which included the property taxes that I pay at the end of every year. I don't know why they did that with my taxes but they took it upon themselves to add that to my payment also.. That put my house payment {$400.00} over what I would be paying. I paid it the first month and did all the appropriate things I should. I had my XXXX  rep. send them prof of my insurance, this after a full day on the phone getting the right person and giving them all the info they needed to insure everything would be straightened out. The next month Chase did the same thing. I sent them what should be my correct payment and they said because I didn't send them the correct amount they took it out of my escrow. This time when I talked to them they said XXXX  said they cancelled my insurance. Now I know this wasn't true. I called my rep. and he was appalled. This time I gave him the Chase persons fax number they gave me. And then I went to my Chase bank and again complained over what they were doing. They assured me that they will prorate any money they have taken out. I know Chase is famous for not giving back money and instead will just apply it to the principal and interest.

Then this month came and they did it again. I have talked to many people trying to straighten this out and they just keep letting it happen. It's like they are giving me the royal run around. I feel like a nobody. They are treating me like Trump treated DACA. They acted like they were going to help me, then they just went on doing what they always do. Steal my money.

Company response to consumer: Closed with explanation