vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Raw Message Printable View I am writing to you because I received a bill for {$11000.00} from ChaseXXXX. I called and discovered an account was opened using my social security number. I also discovered that someone attempted to make payments on the account. These fraudulent payments were attempted to be made from an account that I closed out as due to fraud on XX/XX/2017. I have the closed account statement from XXXX XXXX. I did not make these payments. I also received a letter from Chase regarding a request for a new card that ends with XXXX. There was another address associated with that card and I have never requested a new card, nor have I ever lived or been associated with the address that the new card was requested to be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received 3 letters from XXXX  Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). Soon after receiving this information I submitted Dispute Letters to ( XXXX Equifax, & XXXX ) with the above derogatory account information on it that was given to me from XXXX. I received a response from XXXX dated XX/XX/XXXX ( less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. I submitted another Dispute Letter only to receive a XXXX response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to XXXX , our records show that the information you disputed does not currently appear on your XXXX credit report. The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from XXXX  credit monitoring. I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now Equifax dropped another 7 points! I work very hard to get where I am at. So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which XXXX  and Equifax now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : XXXX, Equifax and XXXX each received a letter from me disputing this account and asking for validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northstar Location Services, LLC
State: NC

Complaint narrative:
We had a conference call with XXXX XXXX XXXX regarding a personal student loan debt that appeared on one of our credit reports. The conference call was initiated to resolve the status on the credit report for our mortgage. During the call, the agent informed that a settlement was offered but, it was an old offer & would need to be renewed. We have never received ANY written documentation about the debt by this company or any other third party collection agencies that it may have passed through. No payment plan or other payment options were discussed during the call. We were informed it was going to be closed out & wrote off by them. The information was sent to our financial officer who confirmed it showed a XXXX balance & was closed. However, the report sent to our underwriter showed it had been sent to collections for the entire balance. This company was deceptive, misleading and vague in regards to their intentions. Now our mortgage is in jeopardy because of their lack of due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have contacted this company a total of 4 times. Each time, the fraud department said that it was an accident and they would remove it from my credit report. Each of those 4 times, I've waited 30 days and the credit inquiry still stays on my account. I'm not sure what to do at this point. Someone in the fraud department says it will be removed, but it still isn't getting removed. This has been on my report since XX/XX/2016.

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 2018-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I previous had a alleged loan with XXXX XXXX XXXX and later discover they were in non compliance with the state Md. However they later transfer the alleged loan to Rushmore Loan Management Services, who later I discover that is not register or license as a third party debt collector or servicer to collect monthly payments {$2000.00} and to secure the alleged debt in the amount {$64000.00}. I receive a loan modification to filled out, I have questions and concerns of who is the secure party, who approve the loan modification and where is my money applied to far as the mortgage payments. I have sent debt validation notices to Rushmore Loan Management disputing the alleged debt. 
As going forward, I will be paying my taxes and insurance. Based on my research, the entire company needs to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX I'm writing in to file a complaint for identity theft. In XX/XX/XXXX a car loan was taken out in my name that i didn't take out. The only car loan that I have ever had was opened in XX/XX/XXXXthrough XXXX XXXX. This identity theft incident happened in XX/XX/XXXXwhen I put an ad out on XXXX to sell my furniture. I was relocating to XXXX, Ga. I filed a police report on XX/XX/XXXX because the person that bought the couch from me from XXXX had robbed my house of some goods and money. The attached police reports tells what happened. When I filed the police report I didn't know that the suspect had also stolen my Social Security Card, Birth Certificate, and state issued ID along with the other goods. I did not know about credit as I didn't have any need. I had bad credit from credit cards that I had in college and thought my credit was so bad that no creditor would even give me credit. In XX/XX/XXXXI was interested in the possibility of purchasing a house so I went to credit company to help. I didn't sign on with the company until XX/XX/XXXX and thats when I first was made aware that my identity had been stolen. Not only the car loan but it was also a XXXX XXXX bill and some other items that was on my report that were not opened by me. The company filed disputes to all three bureaus. I had went to get a police report from XXXX county but I wasn't sure of the dates of the first incident. Two of the three credit bureaus took the times off that were not my accounts but XXXX didn't take it off. Through XXXX I disputed twice. In XX/XX/XXXX I was in XXXX for the holidays and I went to get a copy the of the police report I initially filed and filed another police report about my stolen identity. I sent this information to XXXX and I contacted Credit Acceptance.  Credit Acceptance said they would send me a fraud kit and never did. XXXX even with the police reports did not remove the account. Then I received a letter from Credit Acceptance that says it was no fraud. Im very frustrated my interest rates are sky high and I have been denied several times because of this account. Can you please help me. Thanks 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 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
OnXX/XX/XXXX, I applied for a XXXX Capital One student card and was approved. I applied for the card to help improve my credit. I received he card around the middle on XXXX (  later to find out it was about XX/XX/XXXX. ) I used the card for several transactions during the holidays. I logged on online to the account about 2 weeks after getting the card. I had a few issues with the one navigation using my phone and then forgot about the card. 

About XXXX I got really sick and had the XXXX followed by XXXX XXXX. Today, XX/XX/XXXX I was going through my bills and making sure everything is paid and realized, Ive never gotten a bill or anything for my new credit card, not even a phone call. 

I checked my credit report and to my shock see that they reported me as late and over the limit. This dropped my credit score by almost 100 points. The point of the card was to help my credit. I had intended to pay half my balance as soon as I got my bill. 

I called Capital One, they said they do not send bills or reminders or make calls if youre late. I was very surprised and sad to hear this. I asked if they could do anything to help my credit and they said no, sorry but its your fault. I wanted to make a payment and have the late payment removed and asked about a credit increase so it didnt affect my credit negatively and again was told there is nothing they can do but give me a onetime credit for the late fee. I think this is unfair business tactics and is not right. 

I had the card about 5 days when the first bill was issued. I honestly thought the bill would come in XXXX with a grace period to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation
State: NC

Complaint narrative:
They have charged me twice for my insurance. I paid on XX/XX/XXXX for XXXX.. Then my card people did a charge back on XX/XX/XXXX that brought me to a negative XXXX.. I got my payroll check XX/XX/XXXX.. XXXX put me back in negative XX/XX/XXXX so I couldn't pay my bill so I deposit {$140.00} so my gym membership of XXXX could come out, so it left XXXX in my account.. I talked to my insurance company and they didn't get the money.. And I sure didn't authorize that transaction..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have an XXXX store line of credit ( via synchrony ) and wanted to transfer the balance to a new card I just opened with my credit union. 

They said they do not allow them. 

" XXXX XXXX : AgentXXXX XXXX : We do apologize, unfortunately we currently do not offer balance transfers between credit cards. I regret the inconvenience. '' So basically they are not accepting a check that was already sent to them by my credit union, and keeping me locked in to a higher interest rate. I think that is criminal/highly unethical. My credit union tried to send them money but they rejected it. How is that okay?

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 2018-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
Specialized Loan Servicing provided a nonresponsive, misleading, and in some instances false response to Complaint # XXXX as documented in my feedback. The SLS response begins with an old inflated arrearage amount never resolved because the " agent '' could not be located by the CFPB, which in turn had to refer it to the FTC. Even the response includes significant charges to the account that go totally unexplained.

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 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
Today I spoke with a XXXX XXXX from Credence Resource Management who in formed me that this account had gone to collections from XXXX XXXX XXXX. I have been disputing this bill with XXXX XXXX XXXX since XX/XX/2017. I terminated service in XX/XX/2017 and moved to another company. They continued to charge me for services I was not receiving. Their representatives have repeatedly told me that these incorrect charges were reversed and my account was fixed. I just spoke to a representative for hours on Saturday who told me it had been sent to a supervisor. Now I'm being told it is with a collection agency and I can only deal with them and not XXXX XXXX XXXX. This account is not due, should not be in collections and should not affect my credit nor should it be sold to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: GA

Complaint narrative:
There are over 60 HARD inquiries that were made over the past year without my consent or knowledge. I contacted Equifax to ask why there were so many inquiries on my credit file many of which are from the same company multiple times in a single month or a couple of months. It is quite obvious that there is fraudulent activity happening with my credit file but Equifax refused to take any action after I asked to have all of those Inquiries removed and place a FREEZE on my credit file. Neither of which has happened as recent as last week, XX/XX/2017, I received a letter in the mail from XXXX  XXXX XXXX stating that I was denied for some sort of XXXX  credit card that I never applied for. I believe that I must have been one of the millions of victims affected by the Equifax Data Breach and my information has been compromised, which is why I asked to have the unauthorized inquiries removed and the freeze placed on my account. I did not say fraud alert, I requested a credit freeze!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
This number has called nearly every day since I got my new phone. I have about 10 five second voicemails from them, all silent. I've answered once and they asked for someone named XXXX. I told them it isn't me but they still call every day. They're obviously looking for someone else, yet apparently don't believe it's not me. I've had this new number for all of two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My account was closed apparently on 1XX/XX/XXXX. I want to know EXACTLY why it was closed. And if possible Re-OPEN the account! And payout the Bonus that I have completed terms for. 

I have been working toward earning my {$200.00} opening Checking Account bonus and have completed the requirements thus far and was expecting it to be payed by XX/XX/XXXX but you have now closed my account just before the pay day!

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 2018-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
When I received this loan, I knew that I would get some money to pay it right off the next week and was given a payoff amount after emailing to ask what it may be. I was given three different amounts first it was {$870.00}, the second one was XXXX and the third one was XXXX. These amounts for payoff were all given within three weeks. The loan was for {$750.00}. I have put a stop payment after calling to pay off but was given the run around which didn't allow me to pay off the amount. I would like for them to stop contacting me since they are trying to make me pay more interest by not allowing me to pay them off when I first called to do so. Awful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Premier Portfolio Group
State: IA

Complaint narrative:
Previously had filed a complaint through the CFPB ( case # XXXX XXXX. Premier Portfolio Group had finally after the deadline came back with this response : We dispute the claims presented in this complaint as our company does not practice beyond the guidelines of the FDCPA. Our company will close this account, and cease and desist all further communication with the consumer. 

Today XX/XX/18 received another voicemail from them threatening legal action. This is ridiculous. What is it going to take to get this company to stop what is obviously a scam. I believe I have enough now to take this case to the attorney general either in the state they are located or my own state 's attorney general. These people need to be stopped!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
We had a conference call with XXXX XXXX XXXX regarding a personal student loan debt that appeared on one of our credit reports. The conference call was initiated to resolve the status on the credit report for our mortgage. During the call, the agent informed that a settlement was offered but, it was an old offer & would need to be renewed. We have never received ANY written documentation about the debt by this company or any other third party collection agencies that it may have passed through. No payment plan or other payment options were discussed during the call. We were informed it was going to be closed out & wrote off by them. The information was sent to our financial officer who confirmed it showed a XXXX balance & was closed. However, the report sent to our underwriter showed it had been sent to collections for the entire balance. This company was deceptive, misleading and vague in regards to their intentions. Now our mortgage is in jeopardy because of their lack of due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: LA

Complaint narrative:
I keep getting calls from this company direct recovery services that I have never had any dealings with nor they do say what they're calling about. I never answer these calls and I would like them to stop, they can only contact me via mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I requested a funds transfer from Amex bank to XXXX XXXX XXXX XXXX on XX/XX/XXXX to be available on XX/XX/XXXX. The funds were not transferred till XX/XX/XXXX. I was charged {$12.00} by XXXX XXXX XXXX for insufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My account was closed on XX/XX/XXXX I want to know EXACTLY why it was closed. And if possible Re-Open the account! And payout the bonus that I have completed terms for. 

I have been working toward earning my {$200.00} opening Checking Account bonus and have completed the requirements thus far and was expecting it to be payed by XX/XX/XXXX but you have now closed my account just before the pay day!

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 2018-01-31 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX acct # XXXX i did not live at this address and did not have service at this property. 
I found out that my father who is now XXXX had used my social security for many things with out my consent or knowledge

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 2018-01-31 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: Aargon Agency, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX acct # XXXX i did not live at this address and did not have service at this property. 
I found out that my father who is now XXXX had used my social security for many things with out my consent or knowledge

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