vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am requesting Resurgent Cap Srvs Lp to be removed from all 3 credit bureaus this is not my debt of XXXX and I will pay for a debt that does not belong to me. I am requesting copy of contract that has my name on it .This is fraudulent to attach it to my credit report and try and collect a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have submitted confirmation of payment on accounts listed unpaid on my credit to XXXX, Transunion and XXXX SEVERAL times. After several attempts they will not update my credit reports correctly even AFTER submitting documentation from the creditors.

Creditors:

XXXX XXXX/XXXX- paid in full XX/XX/2018 XX/XX/XXXX

XXXX XXXX XXXX- settled and paid on XX/XX/2018

XXXX XXXX-settled and paid on XX/XX/2018XXXX

These accounts have been and I no longer owe them. Please make these companies update correctly. I have submitted documentation SEVERAL times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for United Explorer credit card offered by Chase on XX/XX/2019. They disapproved my request by their letter referenced # XXXX dated XX/XX/2019 giving reason that too many credit cards opened in the last 2 years associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
....I have been a customer of American express for about 8 years,and that would be the Blue bird card by American express/amex....CARD #XXXX.....On XX/XX/2019, my card was "locked", or shut down without my consent, as I tried to make a online purchase.....Yes , I have tried several times to resolve this ordeal, with the  American express, hideous customer service ,and managers.....They refuse to help or acknowledge my complaint......I have money on my card, and at the least I would like that money refunded to me asap!!........I would also like a explanation as to why my card was cut off for no reason!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10 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: Kentucky Higher Education Assistance Authority
State: FL

Complaint narrative:
According to the FCRA (Fair Credit Report Act) I requested the company to prove I signed a loan with them and there is no signature and the address is incorrect on the form as I never lived in Florida. This information is wrong and I would like both accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This complaint about Unautorized hard inquiry left on my Equifax credit XX/XX/2019  via creditor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: IL

Complaint narrative:
Called my brother looking for me and told him that they needed to reach me due to a complaint that has been filed against me. I had never spoken to this company before or received a letter. I called them and they told me I owe money from overdraft fees on a US bank account from XX/XX/XXXX for about 2100 dollars. She said that it was sent to collections in XX/XX/XXXX resulting in it still falling within statue of limitations. I asked for another letter since I didn't receive it and she said it was too late because I was in process of getting sued and I need to pay XXXX dollars in 3 days and then XXXX dollars a month til it's paid off. I know they violated the fair credit reporting act by giving a relative information. They also will not mIl me anything and I cannot find information about the business at all. They claim to be XXXX XXXX XXXX with phone 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 2019-09-10 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: VA

Complaint narrative:
I have submitted confirmation of payment on accounts listed unpaid on my credit to Equifax, XXXX and XXXX SEVERAL times. After several attempts they will not update my credit reports correctly even AFTER submitting documentation from the creditors. Creditors:XXXX XXXX/XXXX- paid in full XX/XX/2018XXXX XXXX XXXX- settled and paid  on XX/XX/2018XXXX XXXX-settled and paid on XX/XX/2018XXXXThese accounts have been and I no longer owe them. Please make these companies update correctly. I have submitted documentation SEVERAL times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have submitted confirmation of payment on accounts listed unpaid on my credit to XXXX, XXXX and Experian SEVERAL times. After several attempts they will not update my credit reports correctly even AFTER submitting documentation from the creditors. Creditors:XXXX XXXX/XXXX- paid in full XX/XX/2018XXXX XXXX XXXX- settled and paid  on XX/XX/2018XXXX XXXX-settled and paid on XX/XX/2018XXXXThese accounts have been and I no longer owe them. Please make these companies update correctly. I have submitted documentation SEVERAL times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Last year around this time I paid bank America XXXX they said I was behind and five month later I received a check from them forXXXX they found my pay meant now they are saying I old themXXXX so I went to the ban I deal with and I send bank America paper that they cash the check  no respond.so now I ask them how I old u all this money went and I just gave u all XXXX back inXX/XX/XXXX so I call them and I was told I will be get a reinstatement calculation  letter so I talk to bank American back in XX/XX/XXXX so I waited a week has pass no letter so to day I went to the post office I received to different reinstatement so I call bank of American and they said they did not send to letter out so I fax them both copy of the letter .and them I was to to call the attorney that is Handel the paper and so I call them and I was told the erase the. Reinstatement went up because the file some thing in the court and I ask went it was filed so the man from the attorney office said it was filed since XX/XX/XXXX and I replied no way because the one date is good until XX/XX/XXXX so u are contradict your self and the fee wasXXXX and not even three week later another letter can out for XXXX    but I received bother letter on XX/XX/XXXX and both envelopes has the same post mark something is wrong with this picture so all this time they never send the letter out and just send both of then together and the attorney fee went fromXXXX   toXXXX  this is a rip of this is andXXXXrip of this is just a big get over on I.JUST think how many more people these company got over on I been in my home 18 year and I don’t no why mortgage company with unit u all most finished paying for your home to put these kind of tricks.but yes I do no why .so u can lose u home and they can resell and make another big profit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have been paying off my mortgage to XXXX, that was like a subsidiary of XXXX XXXX, the original provider. (One of the attachments shows a record of the disputed first 6 months of the year. Each month two of the above names appear,) From about the beginning of the year  Chase was nagging me to make mortgage payments to THEM, I sent several letters explaining that their demands are senseless, but they would not listen.(there was no authorization from the mortgage collector to switch.) They are threatening with foreclosure. They have ruined my credit rating and prevented me from getting a loan. In about XX/XX/XXXX the provider stopped collecting from me. I then switched payments to Chase. They accepted XX/XX/XXXX payment, rejected XX/XX/XXXX and have not provided further guidance. There is a person in Executive Branch looking at my case, but it is a long look and I can't find her details now. The relationship manager is XXXX XXXX, atXXXX XXXX. They keep acting as if I had no money to pay. This is not the case, I simply don't want to pay twice. I have written to XXXX, appealing to repay all money owing, if any, to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson Capital is a debt purchaser. Initially they had two amounts reporting as delinquent on my credit report from XXXX: $XXXX and $XXXX for the same date.  I filed an official dispute; the results said the debt was verified as accurate but that is incorrect. I contacted Jefferson and spoke to XXXX—op #XXXX.  She said the $XXXX   would automatically be removed but I had to speak to a second operator for the other amount. I spoke to XXXX—op #XXXX.  She referred me to Supervisor XXXX XXXX who said the other charge would be removed and updated on my credit report within 30 days.  I told him the erroneous charge had prevented me from obtaining a mortgage to purchase a home and I wanted it in writing that the fake debt was removed. I just got an update on my report.  Instead of the bogus debt being removed, another late payment has been falsely reported. I was on a payment assistant program through XXXX XXXX for XXXX.  The account was reconciled every quarter and I was notified of my portion still owing.  I paid the bill and even included a screenshot of my bank account substantiating the payment had been made.  I did inform Mr XXXX that I would report the fraudulent charges to the Attorney General if they weren’t promptly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I got a loan with Citizens Bank on XX/XX/2019 for a loan payment of XXXX every month. I paid mostly through credit card via phone weeks before the loan was due typically the last day of the month ie if it was due on the XX/XX/XXXX I paid on the XX/XX/XXXX. Starting in XX/XX/XXXX they no longer took credit card payments and only would take checking. I called a called citizens and put my checking account on file then I would go online and pay via the checking account. The problem was the representative put my account number in wrong. Citizens did not notify me of this problem and I paid for two months, I thought. I fact I suspected something wrong and talked to a representative who told me yes, in fact the payment went through. This week I got an alert via XXXX XXXX   Citizens was not taking my payment in fact reported that I am delinquent not only charged me a fee but my credit has now been hit with its first ever missed payment. I called Citizens to fix the situation but the representative blamed me and later hung up on my call. Not only did Citizens make the process to pay harder but blamed me when I made payments in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made an online payment of $XXXX on XX/XX/XXXX and payment was withdrawn from my account on XX/XX/XXXX. As of today, XX/XX/XXXX, that payment amount has not been added back to my available credit. They acknowledge that the payment posted to my account on XX/XX/XXXX, but is on hold. When I spoke to the credit card bank, I was told because it was a large payment there is a hold on the amount being credited back of 7 - 10 business days. That is what I believe a deceptive practice. The bank is Synchrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Action Financial Services, LLC
State: GA

Complaint narrative:
The federal loan company has turned over my student loans which went into default to a collection agency Action Financial Service LLC And I’ve had the most difficult time reaching them. I would like to get my loans out of default and start building myself back up but no one is answering me no one is reaching out to me if you check the reviews of this company, I’m basically doomed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
A company called Credence Resource Management LLC reported a debt on my credit report. I disputed the debt and requested proof of debt. They sent a statement and a follow up email sending the same statement.I requested proof under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I set up an account on line and added XXXX XXXX XXXX, their address, account number etc to my wire contacts and wired. XXXX to them for a purchase. Because Wells Fargo will only let clients wire XXXX a day, max of XXXX a month, the next day, XX/XX/XXXX,  I wired XXXX to XXXX XXXX XXXX. My on line account was immediately frozen and I was told to call their “XXXX” number. I did. Explained my situation, confirmed my DOB, las 4 of my Social, my address, the amounts paid and to whom and the person told me she could not unlock my account and that I works have to go into my local branch. I asked to speak to a supervisor. After holding 40 minutes, a supervisor came on the line and I confirmed the exact same things the first associate asked me. She asked me what my purchase was for and ITold her it was none of her business and it’s my money in my account and to please unlock my account. She indicated to me that she would not unlock my on line account if I didn’t tell her what the money was for and I would have to go to my local branch. I then called my local branch and talked to a manager. He tried to walk me through resetting my password as I was locked out and it wouldn’t work. I went into my local bank on XXXX XXXX, CA, and a young man by the name of XXXX XXXX helped me. He was transferred a couple of times, giving my account number each time, and then eventually that he confirmed my existence by my CDL and advising I had my debit card and the lady on the other end of the phone asked to talk to me. She asked me all the verifying questions again and asked what XXXX XXXX XXXX was and what my purchase was for. I told her it was a business and my purchase is none of her business, it’s my money and to please unlock my account. She again said she would not do that unless it told her what the business was... and then led her to XXXX it and she said she would not and would not unlock my account. I then asked XXXX XXXX if he could wire the XXXX to XXXX XXXX XXXX she he said he was and he was so sorry and there is no reason I should have to explain my purchase to anyone.My husband then got involved and called a gentleman by the name of XXXX XXXX, a DM at Wells Fargo. My husband explained the situation and Mr. XXXX indicated this was not correct and for me to find out who the DM was in my area and to call him/her for a resolve. I called my local branch and found out the DM in my area (XXXX XXXX, CA) was XXXX XXXX @ (XXXX) XXXX.  I called that number and explained all of the above. The receptionist apologized for my experience, took my bane, account number and phone number and said I would get a return call...u have not received a return call. Please help meXXXX XXXX(XXXX) XXXXXXXX XXXX XXXX XXXX, CA. 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 2019-09-10 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: NV

Complaint narrative:
Equifax can not find my credit file XXXX and XXXX has no problem. I faxed the copies of social security and identification card to them, they responded that my file is still not able to be found by mail, with my name spelled wrong. I tried to call Equifax, according to their representative, they are not allow to talk or give any information if I cannot verify my identity (which is the exact problem that I have and need help with!). So again, I faxed Equifax with my social security, ID, and the letter that I received, to have them try to solve this issue. Still waiting for response ever since. It has been a month since I send my last fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX wish to file a formal complaint with each pertinent credit reporting agency, Experian, XXXX and XXXX XXXX collectively.  A debt collection agency known as XXXX XXXX   is involved in what will eventually be exposed as the largest financial scam against American consumers.  What XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX, and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was XXXX XXXX in a position to own this debt, and for that matter, XXXX XXXX   has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of XXXX XXXX, see XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, XXXX XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, XXXX XXXX   never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against XXXX XXXX and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX XXXX, and this must give the credit reporting agencies a huge red flag on XXXX XXXX   licensing.

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