vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
Was a customer with XXXX XXXX XXXX XXXX from XXXX to XX/XX/XXXX. Due to job relocation to another state, I had to return equipment and stop cable services in XX/XX/XXXX. I called and asked that service be stopped in XXXX and was assured it was done. A month later I was billed for services after the cancellation and equipment. I called and was told that equipment was received but billed in error for services after the cancellation {$270.00} and was assured it will be corrected. Around XX/XX/XXXX, they sent it to collections, I called again and it was removed and told errors have been fixed. Fast forward to XX/XX/XXXX, I notice a collection report on my credit from AFNI. I didn't receive any notice. Called to resolve and was told that they are just acting on behalf of XXXX XXXX XXXX. Attempts to resolve have been futile. I called XXXX XXXX XXXX and they say I do not have any account or balance with them yet AFNI claims I owe them. This has caused over 70 points drop on my credit score since they reported. I have disputed with the credit bureaus but AFNI still insist that I owe. I have requested proof of the debt but they haven't provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase opened a Chase Freedom Unlimited Card after applying and getting accepted for the Chase Freedom card. As per the terms I spend over {$500.00} to receive the equivalent of {$150.00} account credit. I always paid my bill on time. Nevertheless my account was closed by chase within two months. I was told I could still use the points I had earned. I made many attempts to use the points online starting on the day I got the letter that my account was closed. Despite continued on time payments I have made many efforts to use these points starting on the day the account was closed. I have been unable to use the points and recently they disappeared from my account. I called chase and was told I would be able to use the points starting the next day. The next day I got a letter saying that because the account was closed through no fault of my own I would not be able to use the points. Despite the closure of my account I continue to pay my bill every month in keeping with the terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
Please INDICATE THIS NOT A DUPLICATE! I filled this complaint because my previous compliant was not properly handled, I sent a 30 day non response letter to you and the original creditors and haven't received a response well over 30 day I DEMAND YOU REMOVE THE ACCOUNT FROM MY REPORT OR I WILL BE PRESSING CHARGES!

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 2020-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
opened account with pen fed credit union cuna ins attempting to take money repeatly opened account with XXXX dollars just want to close account and my XXXX dollars they say they need to send security code to XXXX mail when i opened account it no longer exists please help do not want anything to do with pen fed

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 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX   XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXXXXXX XXXX deposited at Chase Bank. The temporary seizure of the funds and checking account in lieu of having a formally incorporated business entity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
On XX/XX/XXXX Rushmore Loan Management Services sent me a notice that my home equity loan amount was being reduced to {$22000.00} citing an increase in my home 's value that they say caused the loan to value ratio to go below 20 %. I asked Rushmore for the math that determined the loan to value percentage that caused this change and for a copy of the appraisal/broker opinion via phone on XX/XX/XXXX, in writing that same day and via their on-line message center. I also messaged them on XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

When I called no one I spoke with could explain the math. In response to each internet message I sent them I received a version of this standard response : Thank you for bringing this matter to our attention, we sincerely apologize for any inconvenience this may have caused. 

Your secure emailed message is currently under review. We realize the urgency of your inquiry and we appreciate your patience. We will have a written response to your concerns. Should you have any questions, please feel free to contact our office at Toll Free XXXX, Monday through Friday XXXXXXXX XXXX. to XXXXXXXX XXXX Central Standard Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same with the inquires all the accounts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
Fed loans has misplaced my employment certification form for one year of my loan repayment. Currently only 8 qualified payments. ( XXXX ). They have misplaced my XXXX form. Employment certification form was resubmitted XX/XX/XXXX along with this years form onXX/XX/XXXX. Please help with getting payments qualified for PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
Initial application to refinance mortgage with current mortgage holder ( Caliber Home Loans ) was made XX/XX/2020. Although mortgage representative has reported the application has been approved, no information regarding a closing date has been made. Additionally, numerous loan documented have been forwarded, which appear to contain varying estimates of loan details, including a substantial out-of-pocket amount required at closing by the applicant, although the loan representative indicated that the closing would not entail any cash in hand. All communication between the applicant and the mortgage representative is documented within an email file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have contacted Equifax on numerous occasions to verify inaccurate information on my Credit Report. I requested equifax to send me any original documentations or contracts with my signature on it, legally binding me to the frivolous charge-offs, derogatory and collection accounts that they are reporting on my account. I have disputed these account numerous times. 
I have not received any documents or contracts with my signature linking me to these frivolous accounts they are reporting. 
Their response to me was that all the items I disputed was Verified using third party Data Furnishers. 

No Documents or Contracts with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CORELOGIC INC
State: CA

Complaint narrative:
I received unsolicited financial offers. After researching these offers, CoreLogic was named as the source of information. 

1 ) I have opted-out of offers so why is CoreLogic still selling my information? 
2 ) On XX/XX/2020, I completed CoreLogic 's form " Permanent Opt-Out Election Form '' to their product " Telemark ''. Mailed certified to to CoreLogic, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
3 ) The form asked for my social security number. How is it this company can require my SSN? 
4 ) I submitted the form with my SSN but I have not heard back from them. 
5 ) Does CoreLogic have other products I have to opt-out of? 
6 ) Are there other companies like CoreLogic that sell my information that is not subject to the normal opted-out of offers that I have to individually ask? 

I appreciate your assistance.

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 2020-07-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Oklahoma Student Loan Authority
State: TN

Complaint narrative:
This is my 3rd complaint. When I talk OSLA and challenge the debt. They tell me to get a lawyer and hang up on me. They do not leave voicemails nor do they send a bill in the mail. This was DISCHARGED on my husbands due to XXXX  XXXX. He is the ORIGINATOR. This is a PERSONAL and NOT a federal debt for student loan. The company keeps avoiding these facts and will not address my actual and factual complaint. This is a 17 year old loan. Attached is a screen shot of statute of limitations and this loan should no longer be owed and discharged. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I was in correspondence with a gentleman from XXXX to purchase a pomsky puppy from him for the price of {$810.00} all seemed promising he informed me to transfer the money through Zelle I signed up for a zelle account and was only able to send {$500.00} so he and I agreed I'd send that and when he shipped the puppy I would send him the remaining {$310.00}. I was guaranteed that the money was 100 % refundable and was no risk if I changed my mind. After hours of waiting for him to send the agreement paperwork I got suspicious and questioned him he told me to relax and he would email me the agreement which he did at this point I was uncomfortable and realizing I had made a very poor decision. I contacted my bank to cancel the transaction and was informed that I couldn't cancel the transaction but would have to file a merchandise dispute. I than reached out to the gentleman once more in hopes that he would refund me the money and to no surprise I got no response from him so on XX/XX/XXXX I was back in contact with my bank and ultimately filed the dispute to which I was denied because I sent the money through zelle which doesn't offer any protection to the sender for fraud. I contacted zelle after speaking with the bank and was told the same thing. They would do nothing I asked what they planned to do with the gentleman who stole my money and was informed that they would close down his zelle account but that was all they would do in this case. After this I XXXX  the phone number of the gentleman with the puppy and there are 1000s of complaints about this animal scam and nothing has been done to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
They refuse to honor fraud protection. There was an unauthorized charge on my credit card by a scam merchant. The merchant stole my email address, card number and billing address, yet Barclays still put the entire charges back on my 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 2020-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
In review of my credit file, I noticed a collection account. The account is in the amount of {$730.00}. I have written the collection company to validate the debt in XX/XX/2020, but have not received an response. It has been over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
We have been trying to apply for relief from our mortgage for the initial 180 days according to the CARES Act. The mortgage servicing company is Dovenmuehle Mortgage CompanyXXXX XXXX. They will not return calls or answer questions on their secure portal. They have ignored my requests all together. I attempted to get their attention by not paying my mortgage payment but their response was to have their collections department call me but could not provide me with any information on the CARES relief. Out of fear of not paying my mortgage I used a credit card to make the payments for 3 months but now have reached a point where I am not able to continue doing this. All I would like to do is apply for the CARES relief from my FHA loan so I can get my family back on our feet from this pandemic. My XXXX, which is our only source of income was closed down for the better part of 5 months because of the CDC guidelines and the fact that we have XXXX XXXX XXXX children to care for at home. It just seems like nobody is accountable for not following a federal Act of Congress? Please help us!! 
Thank you The attached document is what they responded with after 3 months sitting in their secure message center

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC has blocked access to XXXX, which allows me to transfer funds in and out of my account. Its extremely inconvenient and I will have to switch banks because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: GA

Complaint narrative:
I called Experian to get something removed from my credit due to XXXX  of my husband from XXXX. Instead they requested late payments to be updated. I never told them to do that. This made it look like i was just on a payment and I was not. It was disputed due to XXXX related issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation