vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: GA

Complaint narrative:
I was a member of XXXX XXXX gym and went to the gym on XX/XX/2019, to cancel my membership. They completed a Cancellation form on that date with effective cancellation date of XX/XX/2019. I was billed on my XXXX credit card on XX/XX/XXXX, and XX/XX/2019, for {$19.00} each month. I contacted ABC Financial Services whose name appeared on my credit card statement. They asked for my identification and location of the club and the basis for my dispute of the charges. They put me on hold and then hung up. I then contacted XXXX and provided a copy of the cancellation agreement. XXXX gave me credit for both of the charges. I receive calls at least weekly from ABC Financial Services, which I have found out is a third party billing and collection company service for a large number of health clubs and gyms. I have not gotten them to stop calling. I called today to XXXX and talked with XXXX. She claimed I still owe {$38.00}. She stated that the cancellation form XXXX XXXX developed and signed was not valid and that I must send notice certified mail. As noted, I went in person and asked what do I need to do to cancel my membership and complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
On XX/XX/2020 around XXXX XXXX., I was contacted by Midland Credit Management , Inc. , by its representative, XXXX XXXX regarding an alleged past due credit card bill. The collector started off by telling me that the company plans to bring this account into ligation. Which means is planning on suing me for a past due charged of debt that I am making attempts to resolve. I questioned him and ask why is this sounds like a threat. I felt uneasy, but continued the call. I remained respectful and explain why I fell behind on several credit obligations. 

Be advised that Midland Credit Management bought this debt from XXXX ( also known as a XXXX XXXX XXXX XXXX ). MCM by its representative is threatening to take legal actions and bring this matter into litigation. XXXX XXXX 's supervisor got on the phone to approved a potential payment plan and I mentioned that I was uncomfortable with giving out my banking info at this time that I'd need to think and review some things first. He became very disrespectful and very condescending. For someone who is trying to resolve such matter, I did not think this type of disrespect was called for. 
I request that Midland Credit Management would cease and desist immediately. 

Further, I pray that MCM learn how to speak to people who actually plans to pay their pass due bills, if indeed they do owe. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have {$160000.00} in private student loans with Navient. In XXXX of XXXX, I worked with Navient to agree upon a rate for repayment of my student loans that was realistic for me and my income. I make {$2400.00} per month, and Navient agreed that I could pay {$690.00} a month towards my balance. I made these payments on time every month. 

In XX/XX/XXXX, my payment amount jumped to {$1400.00} a month. Since then, I have called Navient every month to determine why the payment went up so much and try to work out a solution. They have told me that my loans no longer qualify for the program I was on. I have told them countless times that I absolutely can not afford to spend 60 % of my income on these payments, and they have told me again and again that there is nothing they can do. They refuse to work with me to get me a payment that I can afford. If I continue with these payments, I will not only deplete any savings I have, but I will likely not be able to make the payments within the next several months and will be forced to default on these loans. I have tried to refinance my loans and have been denied by every provider because of my debt to income ratio. It's a vicious cycle that I can not get out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: FL

Complaint narrative:
My information has been compromised possibly due to a data breach and now I have several accounts reporting negative on my credit that I do not recognize. There are several in collections already and I need your help to get these fraudulent items off of my credit report. I have tried with the credit bureaus to no avail. Please help in this matter.

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 2020-02-17 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: FL

Complaint narrative:
As I went to my tax professional to get my taxes filled, my consultant told me that I was not able to file my taxes due someone using my identity. As I'm trying to get that taking care I decided to get my credit report pulled. When I got my credit report there was a numerous list of things that I have never applied for in my life. Please remove these things off my credit as soon as possible. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$470.00} XXXX  XXXX {$1600.00} XXXX  XXXX {$3700.00} XXXX XXXX XXXX XXXX {$77000.00} XXXX XXXX {$140.00} DEPT OF EDUCATION/XXXX XXXX {$32000.00} XXXX   XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$23000.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX   XXXX XXXX XXXX {$8700.00} XXXX XXXX {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: NJ

Complaint narrative:
Equifax continusly reporting fake mortgage and late payments on my credit report.All othwr agencies addressed issues and my xrefit score returnes to excellent as it al wa ays were Not with Equifax. Please correct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I have an auto loan with Ally bank. My vehicle was in an accident and my insurance company deemed the vehicle a total loss. My insurance company mailed a {$30000.00} check to Ally on or aroundXX/XX/2020. Ally bank advised me via a phone call that they have the {$30000.00} payment and they have not posted the payment. I need Ally bank to post the payment and provide me with a payment history, so my GAP insurance can pay the balance of the loan. I have called Ally bank several times and they still are unable to explain why the payment has not posted or when they will post the payment.Today I called Ally and they said the payment would post soon, and they said my insuance company is supposed to pay an additional {$2000.00}. I spoke to the Toatal loss department and they said they were unable to give me a current balance.

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 2020-02-17 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: TX

Complaint narrative:
I have been working on repairing my credit for about six months now. I have been consistently sending letters to Experian during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Experian is hindering my efforts. I am trying to better myself and get a better job but Experian will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Experian below.

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 2020-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2020 went to Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. 
Opened a checking account, with a {$1500.00} check from current checking account in town I moved from. ( approx within 50 miles ). Received checks and a debit card. Wife currently has a checking account in Chase for 12 years. 
XX/XX/XXXX Received a letter they blocked my account and will close it. 
Reason due to XXXX  Report. 
I checked my XXXX Report which is attached, shows No lates with any accounts. A Good credit score The CFPB on Wednesday ordered Chase to pay {$4.00} XXXX for failing to comply with the Fair Credit Reporting Act.federal regulator says JPMorgan Chase was lax in ensuring the account history it reported was accurate. Further, the Consumer Financial Protection Bureau says consumers who filed disputes with the bank and those who were denied new accounts never received the information they were entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information has been compromised possibly due to a data breach and now I have several accounts reporting negative on my credit that I do not recognize. There are several in collections already and I need your help to get these fraudulent items off of my credit report. I have tried with the credit bureaus to no avail. Please help in this matter.

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 2020-02-17 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: FL

Complaint narrative:
My information has been compromised possibly due to a data breach and now I have several accounts reporting negative on my credit that I do not recognize. There are several in collections already and I need your help to get these fraudulent items off of my credit report. I have tried with the credit bureaus to no avail. Please help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
XX/XX/20 closed the account. eight operators or more later from USAA all expressing different thoughts, a US XXXX  XXXX XXXX XXXX veteran trying to redeem my rewards back. I was informed I can not get the whole amount due to many different reasons depending on which operator I spoke to. I have XXXX  issues and hard time speaking. My daughter called and tried to help me, this company USAA claim to help the veteran be all about the veteran etc. etc. they are the worst company to help a veteran in this world. the interest rate was out of this world. they did nothing for me in years I had the card and upon closing wouldn't help redeem full value of redemption.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-17 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 XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX  XXXX XXXX ) XXXX, Case No.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have tried to request my credit report be frozen twice.

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 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX  ( XXXX XXXX XXXX, Case No.

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 2020-02-17 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX 's actual practice does not. ... XXXX XXXX XXXX ( XXXX ) XXXX, Case No.

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 2020-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2019 - A recent class action lawsuit accuses Capital One of forcing their customers to pay interest on ... affirm these common sense understandings, but Capital One 's actual practice does not. ... Capital One Bank ( USA ) NA, Case No.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
In XX/XX/XXXX, there has been an error is processing my payment. I scheduled my payment for XX/XX/XXXX. My account with you is extremely important to me. I have always paid on time and have perfect credit history with all my creditors. Unfortunately, my last payment for the month of XXXX was not processed as it should have been. I made this payment before leaving on vacation for several weeks using the prefilled information for online payments as I have every month since XXXX. 

In XXXX, after returning from my vacation, I received a letter stating my payment had not been made. This letter was dated XX/XX/XXXX ( received well after XX/XX/XXXX in the mail ). I was not notified prior to the payment going over 30 days past due based on the processing error as the payment was due for XXXX. I promptly called Freedom mortgage on XX/XX/XXXX ( the day I got the letter ) at XXXX XXXX  eastern to inquire on the matter and to satisfy both the XXXX and XXXX ( just billed ) payment. During this phone call I was not provided with details with why my payment did not go through, but was told I would be called back by a supervisor. at XXXX XXXX  on XX/XX/XXXX, I called again, as I had not received the call back from a supervisor. I was then told it would be 48 hours before a supervisor would call me back. I was told it was my fault the payment did not go through and that " you should be monitoring your own account to make sure your payments go through. '' As of the date of my first letter to Freedom Mortgage on XX/XX/XXXX, I still had not received a call back from a supervisor. I believe this matter has been handled poorly. I have been a timely paying customer for several years and have no history of neglecting my bills. I have sent several letters to Freedom Mortgage in an attempt to resolve this matter, but with no proper investigation done. An error in their payment processing caused the past due payment. None of my account information had changed. There was nothing wrong with the payment information input on my end. Please see the attached payment confirmation screen shot as well as proof of the calls I made to Freedom Mortgage. I have also attached my bank statement showing the funds were available in my bank account at the time the transfer was to take place.

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 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NE

Complaint narrative:
I have a promotional balance transfer balance of < {$5000.00} on my discover card which has a 0 % interest until from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I made a {$59.00} purchase using the same card which appeared on XX/XX/XXXX statement with an interest of {$0.00}. My XX/XX/XXXX statement minimum payment was {$97.00} due on XX/XX/XXXX. I paid {$150.00} on XX/XX/XXXX with the expectation that {$97.00} will be applied towards the promotional balance and the rest ( {$60.00} ) will be used to satisfy the new purchase balance {$59.00} + {$0.00} interest. I think that is how the payments were applied. But I continue to see a {$0.00} interest on my statement and talked to Discover customer service and was told that they will continue to charge the interest until I pay off the promotional balance completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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:
XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX ( XXXX ) XXXX, Case No.

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 2020-02-17 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: Innovis
State: TX

Complaint narrative:
XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX XXXX actual practice does not. ... XXXX XXXX XXXX ( XXXX ) XXXX, Case No.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On Tuesday, XX/XX/2020 and Thursday, XX/XX/XXXX XXXX XXXX XXXX, XXXX was contacted via certified mail concerning the validity of a charged off account, for an alleged debt due them, in the amount of {$480.00}, which they've failed to validate a second time. A violation of my rights under the FCRA 611 Section ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX year old XXXX  brother does not have a credit file. I have requested that he have a freeze placed on his social security number. They do not seem to understand or be able to do this but can sell a lock product. Does he have protection from 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