vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has illegally provided XXXX Court, XXXX XXXX XXXX XXXX XXXX, Texas with fraudulent affidavits in order to secure a default judgement against me. Furthermore, I can prove XXXX XXXX made no attempt to serve me with proper documentation of the suit as stated in a SWORN declaration signed by XXXX XXXX on XX/XX/XXXX. Moreover, the dates of the junk debt, of which this suit originated, has dates that have been changed in attempts to remain on my credit reports but have been removed because XXXX XXXX failed to verify the debt. In addition, I charge XXXX XXXX with fraud for applying this failed debt, which was removed from my credit report, to my father 's credit report, which remained there for several years before being removed for similar circumstances. Therefore, I am demanding all records, documentation, invoices, receipts, and contracts from XXXX XXXX XXXX, MCM ( XXXX XXXX XXXX XXXX XXXX. ), and XXXX XXXX in the original and unaltered format of which each were authored, transacted, and recorded. Additionally, I challenge the authenticity of the XX/XX/XXXX default judgement for {$7500.00} when I was never presented with a petition to sue by XXXX XXXX XXXX. I challenge the validity of XXXX XXXX XXXX buying a XXXX XXXX account for {$7400.00} on XX/XX/XXXX and charging another {$140.00} of interest to the said account at the  rate of 6 % annually. Furthermore, I challenge the authenticity of XXXX XXXX, " who swore on oath that the information '' in the above abstract judgement is " true and correct. '' Also, I challenge the authenticity of an ABSTRACT OF JUDGEMENT filed on XX/XX/XXXX in the name of XXXX XXXX XXXX. I hereby charge XXXX XXXX to fraud with deceit and a total of thirteen counts of robo-signed affidavits provided to the XXXX County court system in and during the precedence of my filed suit case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I am currently a college graduate student at a XXXX XXXX in Massachusetts.I was encouraged to apply for student loans through XXXX 'MASSACHUSETTS EDUCATIONAL FINANCING AUTHORITY ' a state agency which are only available to students who are Massachusetts residents or attend college in Massachusetts.I was devastated to learn that i could not defer my undergraduate loans from XXXX XXXX while i continued my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had to two accounts with American Express, cancelled one on XX/XX/XXXX and the second on XXXX/XXXX/XXXX. The first was cancelled - no issues. The account closed on XX/XX/XXXX has still not be been closed even though I called them on XXXX. I even mailed a letter complaining about the reason I closed the accounts, to no avail, and yet, the second account still remains open! I do have a problem with a company that ca n't process payment 8 days from the time I mail the check, and manage the to cash the check on the 9th day so that they charge an extortion rate interest charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
the Experian credit reporting bureau is not responding to repeated requests from to investigate errors on my credit report.some things are time-out and should be removed from my report. and there are many, many companies that I have good credit with that s not being shown on my credit report. and every effort that I have made to write to them to correct these problems has been met with nothing. when they ask for information and I send it to them, I hear nothing and then later they say something that 's just keep me running in circles and that ai n't nothing being done and I do not who to write to about these stalling, stonewalling and delay tactics.i have a lot of companies that I have good credit with and made timely payments to them for years and that 's not 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 2017-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I revived a call from Diversified Adjustemnt services on XX/XX/2017 @ XXXX XXXX MSt, she stated it was an attempt to collect a debt for XXXX for XXXX the debt was n't validated so they where forced to remove from my credit. After I stated that the debt was n't validated, and I would summit a complaint with FTC and CFPB she stated do whatever you what.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I believe my identity was stolen ... I received a call from father some law office XXXX XXXX XXXX XXXX XXXX stating about some charges ... then I was contacted today by them stating if I did n't respond ... they did n't hear back from me they would contact the county clerk office ... I called them the gave me Ge Money bank ..and said I made some payments on a luxury vehicle using a master card ... I do n't own a master card and nor have I owned a luxury vehicle ... I believe my identity may have been stolen

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 2017-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I 've been trying to repair my credit and got a notification that there was a collection added to my report. I attempted to contact the number listed but to no avail. I contact the credit card company that it had associated it and they sent a letter saying that they are n't obligated to give any information. 

I then sent a letter to the collection agency LVNV and they are n't responding. I 've also disputed this through XXXX XXXX XXXX on XXXX and they still have n't responded as of yet. 

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Penn Credit Corporation
State: TX

Complaint narrative:
I have no idea what the problem is with this company. They want me to verify my address and or social security number. Sorry, no can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfollio Recovery is trying to colect the allaged XXXX XXXX credit card dept. 
After two letters send to them by me, on XXXX XXXX and XXXX XXXX Portfolio Recovery was unable to provide me with the document bearing my signature as a proof that I owe them. 
I believe that this is a violation of the Fair Debt Collection Practices act ( including but not limited to Section 807-8 ), also the violation of the Fair Credit Reporting Act ( including but not limited to section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have tried to print my mortgage statements from US Bank Online and the system has been down for 4 days. 

Can my 3 months of mortgage statements be emailed to me 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 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
the XXXX credit reporting bureau is not responding to repeated requests from to investigate errors on my credit report.some things are time-out and should be removed from my report. and there are many, many companies that I have good credit with that s not being shown on my credit report. and every effort that I have made to write to them to correct these problems has been met with nothing. when they ask for information and I send it to them, I hear nothing and then later they say something that 's just keep me running in circles and that ai n't nothing being done and I do not who to write to about these stalling, stonewalling and delay tactics.i have a lot of companies that I have good credit with and made timely payments to them for years and that 's not 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 2017-10-16 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: TX

Complaint narrative:
In mid XXXX 2017, I filed a written dispute with XXXX, Equifax, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: TX

Complaint narrative:
In mid XXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

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 2017-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
My interest has sky rocketed, starting around 8 % now is at 10.65 %. When I would pay my payment online the automated system would say it did not go through. It would then go through partially. I would choose a specific loan of the XXXX to pay and it would disperse the payment however the program saw fit. Not allowing me to pay the largest amount to the loan with the highest interest. When I called to say I was struggling greatly with my loan payments. I am working and can not afford to pay them and eat, the customer service representative advised me to take out a loan to pay my interest payment. I have been paying my loan consistently and I owe more than I did when I graduated from college. I do not see how I will ever be able to get out of this. I am in a financial prison. I make around XXXX dollars a year and I live in poverty because of my student loans. I have no other type of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: IN

Complaint narrative:
my mortgage account with XXXX Mortgage shows as not current for over a XXXX when the account has been on automatic withdraw from my checking account

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 2017-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
We paid off our HELOC on XXXX XXXX, XXXX and we have not been able to get Bank of America to discharge the mortgage. 

Can you please ask them to discharge my mortgage and record the discharge? 

Thank you very much.

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 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In mid XXXX XXXX, I filed a written dispute with TransUnion, XXXX, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

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 2017-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is a fraudulent company that adds fees on top of fees and ruins your credit by misleading their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: IN

Complaint narrative:
my mortgage account with XXXX XXXX shows as not current for over a year when the account has been on automatic withdraw from my checking account

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 2017-10-16 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: TX

Complaint narrative:
In mid XXXX XXXX, I filed a written dispute with XXXX, Equifax, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: TX

Complaint narrative:
In mid XXXXXXXXX 2017, I filed a written dispute with XXXX, XXXX, and Experian to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.

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 2017-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Nudge Funding, LLC
State: SC

Complaint narrative:
After doing the paperwork and upon closing on XXXX XXXX for my refinancing of my home, I was led to believe that my payments would decrease. XXXX home loans/Nudge funding -Company I worked with told me all I would need to close is {$45.00} in a check and my payment would then be XXXX, approximately XXXX less than that was currently paying. After I got my first bill I found out on the paperwork that there is an {$12000.00} closing cost that was not explain to me which brought up my original payment {$200.00}. Due to their predatory and sneaky tactics, and not being thorough with exclamation, I now have a higher payment then originally. The company is based in Utah and the attorney that I signed with from a mobile agent is not licensed in the state of South Carolina which I reside.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
I recently went to use my debit card to pick up a prescription. ( Last Friday evening ) Although I had sufficient funds in the account, my debit card was being blocked. Luckily, my US Bank debit card was not my only source of funds so I was not left stranded without my prescription. When I called their 800 #, they proceeded to tell me that they had sent a new 'chip card ' back in XXXX, which I never received, and since I did not activate it they 'turned my debit card off '. I asked them to turn it back on since I never received this new card and they made no attempt at all to ascertain whether or not they even sent it to the correct address before they decided to deny me access to my funds. I have banked with US Bank for decades, they have my phone number and never attempted to call or text. They also have my home address and email, which they regularly send me emails so it would n't have been that big of a deal to at least make 'one ' attempt to contact me before denying access to my money. Now they offered to send a new one, but it will take about a week and they refused to overnight the new one. My only option was to go into a branch for a temp card. Now keep in mind it is Friday evening, they are closed and I had to work the next day. I went to the closest branch on Saturday during my lunch break, it was about XXXX, they close at noon! So, I now have been without access to my money for 3 days because of their procedures, and probably wo n't be able to get to a branch until Wednesday. I feel that this policy/practice of theirs is a clear violation of UDAAP. Can you imagine if I had been on a business trip, which I often have to drive from XXXX XXXX to AZ, and I did n't have anything but my debit card? I would be stranded at some gas station in the desert! What if I was an elderly customer on limited income and had to pay for some sort of transportation assistance only to find that the bank was closed? What if I had a serious medical condition and needed that medicine right then but was told no wait until next week. I could totally understand them turning off my card if they had made ANY ATTEMPT to contact me to verify if the card was missing or if I just forgot to activate it, but they did n't.

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 2017-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I called Chase Bank ( passing all personal Identifications ) and requested to close my checking account immediately. I also requested to refund a monthly service fee that was charged on my account on XX/XX/XXXX. I wanted the fee to be refunded on the basis that I was closing my account within the next boiling cycle after the fee was posted. Chase did not close my checking account as I demanded. Instead the kept the account open and on the next day, XX/XX/XXXX, they charged another monthly service fee on the account that I closed.

Company response to consumer: Closed with monetary relief