vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Revenue Recovery, LLC
State: VA

Complaint narrative:
On XX/XX/2019 at XXXX someone named " XXXX '' called may work and asked to speak with XXXX , I answer the phones at work and when I asked who was calling he said it was XXXX and asked if he was speaking with XXXX XXXX . I asked him again who was calling and what this was in regards to and he didn't answer, he had only asked again if I was XXXX XXXX. and asked me to verify my date of birth He did not tell me where or why he was calling. He wanted me to confirm my identity without providing me any information or verifying a debt that was owed. 

I had already spoke to someone else who had called my work and told them not to call this number. I let this person know today not to call this number anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is NCA # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NCA failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NCA failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NCA is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NCA is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. NCA has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Collection amount of {$360.00} from Midwest Recovery Org. creditor XXXX XXXX not sure what this is for ... I am a current XXXX XXXX XXXX XXXX season pass holder for my daughter who is still at home. 
Had the pass since 2013 over the years and taken kids off as they moved to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-09-23 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: IL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 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: IL

Complaint narrative:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED OFF MY CREDIT FILE. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY CREDIT FILE AND BECAUSE OF THIS IT HAS CAUSED SERIOUS DAMAGE TO MY NAME AND MY CREDIT HISTORY. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Due to ongoing violations by Chase of CFPB bulletin XX/XX/XXXX with regard to our inheritance of my deceased father 's house and our rights as verified successors in interest, my wife and I filed a revised RMA application with Chase via fax/letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Included with that RMA application was a letter from Chase dated XX/XX/XXXX in which our Chase " dedicated relationship manager '' stated that we needed to submit certain documents to Chase offices by XX/XX/XXXX, which we did. 

Among the documents we submitted to Chase offices by the XX/XX/XXXX deadline were revised RMA application, current pay stubs, employment and income verification letters, and proof of homeowners insurance. We are still waiting for the RMA application process to be reviewed and are working with XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ) to resolve this matter. We have worked with all parties in good faith to provide the documentation requested at the earliest possible times. 

On XX/XX/XXXX, we received from our " dedicated relationship manager '' a letter indicating that Chase has " rescheduled '' a foreclosure sale of our property for XX/XX/XXXX. This notice was received without explanation from Chase and without clarification of the status of our submitted RMA application submitted in XX/XX/XXXX. We are stunned that Chase would be so cruel as to treat the victims of Chase 's own failures to abide by CFPB Bulletin XX/XX/XXXX from XX/XX/XXXX with regard to successors in interests in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have had a few issue with account that I do not recognize on my credit report. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX NCA # XXXX I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.

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 2019-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XXXX XXXX, 2019 I came across an individual selling concert tickets that I wanted to purchase. I used PayPal because they offer Buyer Protection in the case that you are scammed. I used the Friends and Family option because of the lower fees associated with sending the funds. I paid {$100.00}, {$100.00} to the seller and {$4.00} fee to Paypal. 

Once I sent the funds, the seller basically disappeared. They deleted their social media account we had been interacting through and stopped responding to my messages. I tried " recalling '' the funds but was unable. I did not receive the concert tickets either. 

I filed a claim online through Paypal 's site on XX/XX/XXXX/19 explaining the situation and it was denied within hours stating that this " appeared to be a normal transaction ''. I then called on XX/XX/XXXX/19 and explained the situation to a person hoping they would be able to help. They were of no help, offered no assistance and stated that it was their policy to not pursue any actions in cases like these. 

I was told that because I had utilized the Friends and Family option, that I was not protected. 

I find it beyond reprehensible that Paypal would allow scammers to utilize their services without any type of consequence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I got a letter in my mailbox two weeks ago stating I owed {$1300.00} to " XXXX XXXX '' on XX/XX/2019. I have never used services from this company. I have responded by email to their designated account id on the collector 's website, but have not heard from them yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On Thursday XX/XX/, 2019 I attempted to contact my private loan servicer ( FirstMark Services, a division of NelNet ; original Lender : XXXX XXXX  ) about the following issues : 1. Clarity on Why every time the loan switches hands the monthly payment is adjusted lower automatically. I had previously attempted to pay off the loan quicker by increasing my monthly payment amount but this auto-payment is regularly decreased by the loan servicer. It seems to me this is a tactic to just collect more interest over the life of the loan.

2. Requested to lower my interest rate. In the over 13 years since this Law Access Loan was issued, my credit score ( XXXX ) and financial profile has naturally improved dramatically. The interest rate is very high ( 6.2 % ) and I believe I should be able to negotiate with my original lender to lower my interest rate. I was told by the agent and then again by the " supervisor '' the only way to decrease my interest rate is to refinance with another lender. This loan has costed me over 65 % of the original loan value in interest alone and in any other financial sector a lender would allow you to refinance or renegotiate a better interest rate on the same loan/lender. Forcing me to refinance with another lender will affect my credit score due to the length of credit history ( newer account ) and the credit inquiry involved. Also my options are limited with other lenders because I am attempting to lower my interest rate on a small balance left on private loans whereas my balance on federal student loans is still quite large and many of the lenders I have approached are not approving me ( due to the other outstanding federal loans I have on IBR ). 

I have not been contacted by the supervisor 's supervisor as was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/, 2019 I received the first phone call from National Credit Systems Inc. XXXX XXXX was the employee who spoke to me. He used aggressive and loud language and while attempting to understand if the debt was added XXXX my credit report, he hung up on me. 

I called back and reached him where he told me if I didnt listen to what he had to say he would hang up on me again. I asked to speak to the manager, and he hung up on me. 

On XX/XX/XXXX he called me back and I told him I would make a complaint if he spoke aggressively toward me one more time. I was able to tell him that I am not disputing all of the charges owed, but my previous lease did not require me to pay for some of it. He stated that he filed the dispute. 

On XX/XX/, 2019 XXXX XXXX called me back and stated that the lease he had did not contain literature about pet damage. Once I realized the apartment complex provided the wrong lease, I provided the updated lease that included the pet addendum. I told her what paragraph to find the literature and we disconnected neutrally. 

On XX/XX/XXXX XXXX XXXX called me and spoke to me. He explained that the apartment complex would not remove the disputed amount of money. He told me that he never asked me for an updated lease and that he did not know what I was talking about. I reminded him that I in fact sent the email to his XXXX, XXXX XXXX with he email he provided me. 

XXXX asked me why it was a big deal to dispute the small amount that was owed instead of paying it. I told him my lease stated I was only responsible for a replacement and not a repair, as the literature stated. XXXX XXXX interrupted me and disconnected the phone call. 

National Credit Systems is refusing to mediate the amount owed and refusing to understand the literature of the lease in question. National Credit Systems is using harassing tactics to prevent me from paying only the money I owe. I have stated many times I am not disputing the majority of the debt and I am willing to make payments. I am unwilling to pay for what I am not responsible. National Credit Systems is attempting to stall on the issue to allow for enough time for the debt to go into  collections for purposes of profiting. I attempted to speak to the XXXX XXXX XXXX XXXX on XX/XX/XXXX but was only allowed to leave a voice mail and was told he would not accept my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I`m disputing these account below because I can not get no answer or response from the creditor. I `m asking for assistance in resolving this matter as quick as possible. I know according to credit laws, you must report any and all accurate information on my credit report and if there are any inaccurate information, then it could be subject to violation, which can result into a small claim suit. Please see the accounts below and the reasons for me disputing this information. 

WF Card-account # XXXX-this account is in violation of the credit reporting act & has passed the 4 year of Statute of Limitations reporting for the state of Texas. In addition, this account was sent to the IRS as a 1099-C, Cancellation of Debt. Which IRS was accepted and reported this debt as income, which is a 6 year old debt? The violation of this debt is the creditor is still reporting the amount of XXXX as valid debt and still trying to collect, and the balance was updated XX/XX//2019 showing this is a current debt for 2019, which is inaccurate because the balance as not changed and this debt was sent to IRS. This debt is reporting as a recent date of XX/XX//2019 and has passed the 4-year statute of limitations. Based on this inaccurate information this is a violation of CFPB and FDCPA SECTION 809 ( B ) FTC and this account need to be deleted.

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 2019-09-23 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: LEXISNEXIS
State: CT

Complaint narrative:
I have found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery has consistently reported that I owe them {$2300.00} to the credit bureaus. I have disputed them multiple times and asked for validation and they only send a copy of a bill. That isnt considered validation of debt. This has been ongoing since 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To Supervisor, I wish to make a complaint regarding the case managment of XXXX XXXX. I would like to bring to the attention that Mr. XXXX failed to properly communicate with me and my representative. I received the following calls from Mr. XXXX   : 1. XX/XX/, 2019 at XXXX XXXX. He left voice mail. 
2. XX/XX/, 2019 at XXXX XXXX. We spoke briefly and I asked him to call back at noon. 
3. XXXX XXXX, 2019 at XXXX XXXX. He left voice mail. 
4. XX/XX/, 2019 at XXXX XXXX. I left voice message for a return call. His voice message indicated a return call within 24 hours. 
5. XX/XX/, 2019 at XXXX XXXX. I left another voice messsage for return call. 

Due to not returning my calls and the importance of my issues, I reached out to my representive from XXXX who began making calls to Mr. XXXX on my behalf. I am sure she made notes on the date and time. She left several messages. There was even a little joke on when Mr. XXXX was going to return her call. She said " watch, he is going to call her when he is about to walk out the door ''. Later that day, I forgot what day it was, be Mr. XXXX, sure enough, called at XXXX. According to his outgoing voice message, he gets off at XXXX. Having dealt with sneaky tactics by Chase for years, I could only shack my head. 

At the time, I needed to speak directly with him. Having worked in an environment where I need to stay on top of clients and files, I know that a supervisor needs to be notified when there is a failure to meet expectations. I expected a phone call to verbally answer questions. I did not get that. Nor did my representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: CT

Complaint narrative:
I have found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.

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 2019-09-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my credit report with equifax found a account from XXXX XXXX I immediately made a challenge on the unknown account, equifax verified the account but I know that they verified it in a short time so I dont think the account was investigated, equifax knows that the FCRA requires them to provide me THE METHOD OF VERIFICATION I REQUESTED .... however they try to stall and send me generic answers about how they verified this account, they need to make sure that XXXX provides me the original signed agreement, if XXXX saying they cant provide me this information how did they provide it to equifax? My name, address and last 4 of social is not verification because clearly anyone can get access to that information, I need competent proof which is my rights, all verification without proper certification is a violation and i may seek compensation, equifax is not acting in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: CT

Complaint narrative:
I have found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.

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 2019-09-23 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: CT

Complaint narrative:
I have found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: Innovis
State: CT

Complaint narrative:
I have found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I opened a XXXX credit card account in XX/XX/XXXX. I purchased a few items. The dresser didn't work properly after the handyman put it together. I called XXXX and was told the seller didn't want it back that I should donate it or dispose of it. I didn't get taken off my credit. I called XXXX XXXX every month ( from XX/XX/XXXX to XX/XX/XXXX ) or more trying to resolve this. I decided to file a complaint with the bank managing my account ( Comenity Bank ). They told me they would have to add the dispute amount to my balance. Now I have 2 amounts not being refunded. The bank would not put the credit back in my account because I didn't return the items to XXXX. I have been charged interest and service fees for these amounts I should have been refunded too. I have uploaded my statements for your reference. Please let me know if you have questions. 

My XXXX XXXX card # XXXX

Company response to consumer: Closed with monetary relief