vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AVANTE
State: FL

Complaint narrative:
Old Ambulance bill from XXXX that was never ordered. 
Disputed years ago and was taken off credit report. 
Got a strange call : Is this my name. Responded who is this? Hung up. 
XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: PA

Complaint narrative:
XXXX XXXX XXXX of XXXX is reporting my wifes closed negative account on my credit the account has been paid but still should not be on my credit

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 2018-07-10 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: OH

Complaint narrative:
I reached out to Equifax to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. Fraudulent activity had taken place on my report. I place a fraud alert because of this. The following inquiries on my account do not belong to me. 

XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXXXX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I also have a company reporting on my credit report but it does not belong to me. 

XXXX XXXX from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I asked Chase to close my Chase XXXX ( XXXX XXXX ) Card in XXXX this year. I have had this card service for the last 6 or 7 years and decided to close the account because I no longer want to pay the annual {$95.00} fee that Chase charges. My annual renewal was to occur in XX/XX/2018. I have called Chase several times and although my account has been closed, my on line statement continues to show a delinquent balance of {$95.00} plus accrued interest of {$1.00} through the latest statement ( attached ). I am concerned that this may adversely affect my credit rating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10 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: OH

Complaint narrative:
I reached out to Experian to have this issue solved. They did help a little bit but have missed a few items that still do not belong to me due to fraud. I did put a fraud protection alert on my credit profile. 

Items that do not belong to me XXXX XXXX- XX/XX/XXXX Inquiries not made by me are listed below, XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX , XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX - XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2018-07-10 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
The Sun Loan account I am disputing is reflecting negative on my credit report. I paid this off in XX/XX/2016. I shouldnt have a balance reflected on my credit report. I disputed this more than once and it comes back that it wasnt paid. I am attaching a receipt of payment stating its paid in full. This is under my previous name XXXX XXXX. I need this fixed asap to reflect XXXX on my credit. 
Thank you 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 non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
We were told that our equity loan of 10 years with interest only monthly payment was to expire and that we would need to pay both P & I for the next ten years, {$2200.00} per month. When discussed with the bank they suggested we wait till the first payment due and then request a modification which we did. ( see attachments for correct dates etc. and communications ) on XX/XX/2018. at the bottom of the form it stated we would have a result in a week, well we tried and tried to get an answer and finally after threats to them got a refusal for a modification based on insufficient income in XXXX. 
My wife and I have been customers of T D Bank for over 40 years with all our accounts there, never missed a payment to them for anything. we have no other debt but for monthly credit cards and all paid in full each month. our credit ratings are XXXX for each of us. 
Understand we accept the fact that they could do this refusal. it is amazing that they would think that we could pay {$2200.00}. but refused to give us a extension for the interest only loan with a payment of some {$600.00}. P/M. We did make 2 of these {$2200.00} dollar payments just to keep our credit rating while waiting for an answer to our request which we should have had by XX/XX/XXXX, 5 to 6 days per their modification document. Finally in XXXX they refused to give us an extension or a new loan with interest only. My wife became very sick over this and worried about the destruction of our credit ratings. 
We went to another local Bank and were given a loan in 2 days to pay off T D Bank. This delay and refusal should never have happened this way and should never happen to any others with like conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX XXXXXXXX account I am disputing is reflecting negative on my credit report. I paid this off in XX/XX/2016. I shouldnt have a balance reflected on my credit report. I disputed this more than once and it comes back that it wasnt paid. I am attaching a receipt of payment stating its paid in full. This is under my previous name XXXX XXXX. I need this fixed asap to reflect XXXX on my credit. 
Thank you 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 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Last year, I sent the credit bureaus dispute letters for this company because the debt is not mine and they did not respond to the dispute with anything other than a payment plan, but yet they filed court orders against me and sent somebody to my house to deliver court documents. How is it fair to sue me for an account that is not mine and they had no documentation to prove it was mine. They failed to verify or validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I sent several times to Navient information requested copy of driver license since they claim having the wrong birth date, copies of cancelled checks for payments not posted to the account. These Paynes made by the Bk XXXX Trustee. Unable to create a log in to check account. Unable to change payment plan sine Depatmentcof Education does not show I gave a loan. They keep saying documents can not be read.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ameritech Financial
State: IA

Complaint narrative:
I have student loans for which I will qualify for the Public Service Loan Forgiveness program when meeting the terms of 120 on time payments to consolidated XXXX XXXX and working for a XXXX company during the time of those 120 payments ( 10 years ). I thought I had met the terms as of XX/XX/XXXX but found out my loans were not consolidated. At that time ( XX/XX/XXXX ), I was contacted by Ameritech Financial. I was led to believe I needed them to get my loans transferred to XXXX XXXX and consolidated. They also convinced me that in order to quality for the PSLF program, I needed them to keep documentation of my payments and paperwork needed, they told me this was one reason why I was turned down when applying for the PSLF because I did not have the 10 years of documentation.I believed they were a part of XXXX XXXX. They sent me forms from XXXX XXXX to get filled out ( Income Based Federal Form, General Forbearance Request Form ). I also had to send them Pay stubs, XXXX Tax return, bank routing information and signed releases to get my loans consolidated with XXXX XXXX.I was told everything was ready and beginning XX/XX/XXXX, I would be paying {$74.00} that goes to XXXX XXXX XXXX and {$99.00} that goes to my loan, then after 13 months the {$74.00} would no longer be needed to process all this and {$99.00} would be my loan payment.They also created my account in XXXX.

I recently received a letter from the FTC dated XX/XX/XXXX stating Ameritech is being sued or deceptive practices and outlined what I needed to know and steps I can take about it. I was devastated to say the least, I was mislead in a huge way and gave personal information to a company I thought was working on behalf of XXXX XXXX who has done nothing but steal my identity and my money for now 17 months.! I tried logging in to XXXX  to find out the security questions were changed and so I could not access my account. I called XXXX XXXX  and spoke to them and found out the {$99.00} that Ameritech set up as an auto withdrawal out of my bank account for 16 months was not going to my loan at all. I contacted my bank to stop the XX/XX/XXXX payment but they will charge me {$22.00} to do that and said if Ameritech ( XXXX XXXX XXXX ) changes a letter in the name ( XXXX  ) the money goes to or even the amount by a dollar, the stop payment will not catch that so the only way is to call them to stop the payments. I did call Ameritech but got an answering service to only be able to give a message and was told I would be called back in one or two days. The message I left was : to cancel my account, request a full refund and stop the XX/XX/XXXX and further payments to them. I made that call on XX/XX/XXXX - have not heard back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The Priority Pass benefit that Chase offers on their Reserve card is TRASH and the customer service for it is TRASH. I called to do something very simple : add my digital card to my profile. The person I spoke with ( who I could barely understand ) refused to add the card to my profile, demanding that I create a new one. I told him that I didnt want to do this, so he should delete my other profiles first and re-create them. He starts spewing LIES about GDPR saying that it requires them to wait 30 days to delete information, which is incorrect. The man was horrible and the customer service I got from Priority Pass consisted of nothing but moronic lies. This service is a scam and Chase has the obligation to ensure their offering works correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
A flight purchased through XXXX on XX/XX/17 was cancelled on XX/XX/2017 ( non-operational ) and I was promised a refund by XXXX ( flight was through XXXX XXXX ). I have the email from XXXX to prove this ( see attached ) XXXX never followed through with the refund ( 2 tickets at the price of XXXX ) so I filed a dispute with Capital One. Capital One initially credited my account for those flights and SEVERAL months later I receive a transaction REBILL on my credit card statement because XXXX disputed this saying I owed for it. 

XXXX disputed my request for refund even though the flight was cancelled. Capital One asked for proof which I sent ( email AND itinerary print out of my XXXX account showing it was cancelled ) and they closed the claim on me stating that I am past the statue of limitations with my claim. They sent a letter to me initially asking for more information in writing which I never got ( I had called due to the rebill on my online account ). Capital One said they would review my info even though it is past the date they requested it is received by. Then they refused everything I sent in. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has been reporting the same incorrect FICO 8 score for me since XX/XX/2018. I have contacted Experian via XXXX several times ; I have phoned Experian several times ; I have also submitted a written dispute with Experian ; and now a complaint through CFPB. Experian finally admitted on XX/XX/2018 that the incorrect FICO 8 score is Their technical error and they provided me with a case number. However, on XX/XX/2018, Experian now says the problem is with the XXXX XXXX XXXX ( yet Experian admitted it was their technical issue and had provided me with a case number only 2 weeks ago ). Still, I contacted XXXX and they informed me that the problem is Experian, both sending me in circles. No one adressing this serious issue affecting my ability to receive credit. Ever since Experian has been reporting this incorrect FICO 8 score in XX/XX/XXXX ( which they have admitted ) I have been denied a credit limit increase & denied a lower interest rate request yesterday, denied a vehicle loan in XX/XX/XXXX, denied a promotional credit card in XX/XX/XXXX. I have been practically begging Experian to fix this because my vehicle lease expires next month and I need to purchase reliable transportation. If this is not addressed and corrected by XX/XX/XXXX, I could also be denied a vehicle or given a very high rate which would be based on false information. Experian must fix this issue ASAP! Thank you

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 2018-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a credit card with Capital One. Card # XXXX XXXX XXXX XXXX. Card was open on XX/XX/XXXX with a limit 0f {$1600.00}. At some point I had financial difficulties and was not able to keep up with payments. Eventually, credit card amount was charged off by the company. But I was able to settle the account in XX/XX/2014. Despite meeting my obligation, the account has not been updated w/ credit bureaus. I have discussed this twice with Capital One without getting anywhere. I would like help to get Capital One to update this account with credit bureaus. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Recoveries, Inc.
State: SD

Complaint narrative:
In XX/XX/2018 I had called into National Recoveries Incorporated who is collecting this debt on behalf of the US Department of Education. After speaking to them that day I advised them to not call my cell phone XXXX as it is a work phone that my employer pays for. I again called in on XX/XX/2018 to gather some information and before hanging up, again advised them they could not call my cell phone. Then on XX/XX/2018 I called in to see how much it would be to bring my account current. While speaking with a representative I received a call from National Recoveries Inc. XXXX XXXX Ext XXXX called me while I was speaking with National Recoveries Inc. What was odd is that the number she called from was XXXX area code so I am not sure if they were making sure I didn't know it was them. But after asking she advised me she was with National Recoveries Inc. I advised her that I was already speaking with them and advised her that she was not allowed to call my cell phone. This clearly violates the FDCPA as XXXX at ext XXXX said she showed my account as cease all cell phone calls as I had told them the previous 2 times. At this point I can either take this to court and have my loans dismissed with additional FDCPA fees and or they can put my balance to XXXX considered paid in full with no tax burden on myself.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: NY

Complaint narrative:
fraudulent accounts still appear on my report after submitting ftc report. XXXX XXXX for all three and XXXX  XXXX XXXX on equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: FL

Complaint narrative:
I had a credit card with XXXX XXXX. Card # XXXX XXXX XXXX XXXX. Card was open on XX/XX/XXXX with a limit 0f {$1600.00}. At some point I had financial difficulties and was not able to keep up with payments. Eventually, credit card amount was charged off by the company. But I was able to settle the account in XX/XX/2014. Despite meeting my obligation, the account has not been updated w/ credit bureaus. I have discussed this twice with XXXX XXXX without getting anywhere. I would like help to get XXXX XXXX to update this account with credit bureaus. 

Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I am a former customer of TD Bank and filed a fraud dispute for two transactions : XXXX XXXX on XX/XX/XXXX for {$410.00} XXXX XXXX on XX/XX/XXXX for {$400.00} These were unknown and unauthorized charges. I called and filed a dispute for both to find out today neither were ever entered or filed. Since then I have closed my account. This is very disheartening as TD Bank has allowed someone to get away with fraud. 

My SSN is XXXX ... XXXX ... XXXX. I no longer know my account number. My DOB is XX/XX/XXXX. My address is on the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: NY

Complaint narrative:
fraudulent accounts still appear on my report after submitting ftc report. XXXX XXXX for all three and XXXX XXXXXXXX XXXX on 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 2018-07-10 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: NY

Complaint narrative:
fraudulent accounts still appear on my report after submitting ftc report. XXXX XXXX for all three and XXXX XXXX XXXX on 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 non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I went through a very turbulence time of my personal life, iwas not aware that bank of America have systematically release fund from my acct to a hacker, I found out and have contact the bank fraudulent department they have reverse some money but during that period the bank also charges me approximately 1300 to 1400 overdraft fee I have demand them to give back the fund they have refuse and claim it was to old, I have been a victim of both side please help

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 monetary relief