vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services
State: CA

Complaint narrative:
AAMS ACCOUNT NUMBER XXXX BALANCE IS {$4700.00} THIS COMPANY IS VIOLATING THE HIPPA ACT, SO I WILL SUE IF THEY DO NOT REMOVE IT FROM CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
Navient admits to servicing three federal public loans that XXXX XXXX took out for college. These three loans are still reporting incorrectly on XXXX 's credit report. Even accepting Navient 's statement that these three loans defaulted in XX/XX/2013, the credit report still shows the three loans as " collection '' even thought they have been paid. following these entries, it says " account transferred or sold '' please fix the credit reporting by Navient to remove the " collection '' language.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened an account with Citibank. The terms of the promotion were Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. I opened the account end of XX/XX/XXXX and deposited the funds on XX/XX/XXXX. I met the requirements by XX/XX/XXXX. The 90 day requirement finshed on XX/XX/XXXX. I contacted the bank and they opened a case. But not update afterwards.

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 2018-12-03 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: Fidelity National Information Services, Inc. (FNIS)
State: DC

Complaint narrative:
I have contacted Chexsystems on multiple occasions concerning a heavy file that needs correction. The first part of my complaint is all the different names and variation. 
The only name that should be on file is XXXX XXXX XXXX. I was unable to dispute this information by speaking to call center representative. I have saw and learned of over over 10 different  erroneous mismatch misspelled and unknowns name that I have never held. My birth name Is XXXX XXXX XXXX and I need all names to be corrected and removed They claim they have received documents that gave them authorization to merge files. I have not been provided any copies of any ID and Social Security card from all the alias. I need to know by law can they legally do this and combine fraudulent information on my consumer file. If documentation can not be provided by form of a legal court document of each linking the names. They must split the files. They must not violate the law Secondly, I need to dispute every inquiry on my Chexsystem file for the last 3 years since XX/XX/2009. I have not applied for banking services and not gave anyone or financial Institution permissible purpose to view my file and strongly deny this and require proof as my consumer right that I consented to any inquiry via FCRA section 609,605 and section 623. If no proof, deletion is required They also claim they may need a police report. According to the law, a police report is not needed to dispute inaccurate information and is not needed for inquiries that are not 100 % verifiable. A wet signature or document is required IF NOT. Please remove all the illegal hard inquiries

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 2018-12-03 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: OH

Complaint narrative:
I disputed the inaccurate reporting or errors on my credit report with documentation. XXXX  did not remove the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
YOUR COMPLAINT I have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. I will attach all the certify letter sent to the creditor. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Last year, I completed my special program account ending in XXXX. When I first enrolled in the program several years ago, my phone rep advised me that any negative items would be removed or modified, once I completed my program, as an incentive. There are five derogatory items that should already be removed since I completed the program. I have tried to resolve this matter with the creditor 's corporate office but unfortunately, no one has assisted me with this matter. With all due respect, it is shady and unacceptable that I was initially misinformed when I enrolled in the creditor 's repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: PA

Complaint narrative:
I submitted two disputes with Equifax on XX/XX/2018. I have two accounts listed in collections that I have paid off. I have letters from the companies proving that I have paid my debt. I spoke with Equifax on the phone and they advised me to fax them copies of these letters. I did that. The person I spoke to said it would be updated in 5 business days. After 5 business days, I called again and they said the fax was not uploaded and attached to my disputes. This is preventing me from getting a mortgage. The other two credit  bureaus have updated my balances for XXXX XXXX and XXXX XXXX. Equifax is the only one that refuses to update even after I have supplied them with proof. I am working two full time jobs to pay down debt and improve my credit score. Equifax should not have the power to stop my mortgage when I am doing everything right and PROVING to them that my debt is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
MY MORTGAGE WAS SOLD ON XX/XX/2018 TO RUSHMORE LOAN FROM XXXX XXXX XXXX  MY MODIFICATION PAYMENTS WAS $ XXXX@ 4.00 % FOR FIVE YEARS, MADE SIX PAYMENTS TO XXXX XXXX XXXX, THEN MY LOAN WAS SOLD TO RUSHMORE LOAN # XXXX I MADE 7 PAYMENTS  TO THEM THEN I FELL BEHIND ON MY PAYMENTS BECAUSE OF JOB LOSS IN XX/XX/2018 RUSHMORE IS TELLING ME MY PAYMENT CHANGE TO {$1600.00} A MONTH BECAUSE CALIBER CALCULATED WRONG I SIGNED A PERMINENT MODIFICATION I FEEL LIKE THEY ARE TRYING TO FORCE ME OUT OF MY HOME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: NC

Complaint narrative:
Attempting to remove a credit freeze with Experian. Unable to get through to anyone who can help. Website and phone contact gets nowhere. No one answers at any of their published phone numbers. Error message when submitting request online.

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 2018-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Company advertises a cash award on their Premiere checking account if a specific deposit amount is made and maintained for 90 days. I made the specific amount deposit on XX/XX/2018. To date I have not received the cash award despite calling 10 times. They have opened at least 3 'cases ' during this time, are constantly telling me they can not respond for a week. This is obviously a scam designed to accept my money and hold on to it for as long as they can. Please help me to resolve this issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

ACCELERATED FINANCIA Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2017 Balance : {$1500.00} Terms : High Balance : {$1500.00} Limit : Past Due : {$1500.00} Payment Status : At least 120 days or more than four payments past due Comments : COLLECTION 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 2018-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I need a refund or I am trying to reverse my payment into a different account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am unable to pay for my loan because I had to file a Bankruptcy and take an early Social Security of only a little bit over {$700.00} a month. When I do find a job The I.R.S. taxes me and I have to pay instead of getting a refund. Navient told me I could get a Repayment plan according my income. They told me its approved and the the next month send me a bill for {$700.00}. This goes on and on month after month and my loan went from {$36000.00} to {$42000.00}. When I try to get my I.R.S. Tax return information online I can not retrieve it .I am XXXX years old and am living on Social Security and a part time job of 15 hrs. a week .Every time you try to contact Navient you get a different individual and nothing gets accomplished. I am not trying to get out of paying my loan, but I do not understand why I can not pay a small amount and keep the intrest down. Illinois Attorney General XXXX XXXX has filed a Lawsuit against Navient and when ii ask them about it they will not respond. 

What kind of Options do I have? 

Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 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: DISCOVER BANK
State: IL

Complaint narrative:
XX/XX/XXXX Card was lost we notified Discover was issued another card, Charges made on card I thought were cleared End of XX/XX/XXXX we relocated cities and received no Paper statements we assumed it was because of move XX/XX/XXXX received statement for XXXX or XXXX XXXX was not shocked there was two Car rental for Auto accidents Paid off card Completely FF to XX/XX/XXXX we receive statement saying Balance was XXXX card that was paid off and dormant E Mail account was being used as collateral for an Fraudulent Pay Pal account that we didn't know at the time we disputed charges herd nothing and again no statements XX/XX/XXXX account was again used to open merchant accounts and charges were maid during that time we cancelled card was issued another again no statements when we received statements balance is now XXXX all charges on previous cards were being transferred to new account receiving interest, Late fees some sort of protection plan we didn't sign for after dispute we were found liable even though our dispute with XXXX XXXX we were found not liable after being a victim of Fraud we continue to be a victim of Discover needless to say with great Hardship to Family Debt was Paid Completely later XX/XX/XXXX we again receive a statement that XXXX was due on an account that we thought was closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: PA

Complaint narrative:
On XX/XX/18, I received a telephone call from XXXX, in which the caller wanted to verify my name ; since this is not the first call I received I advised that " I am not willing to confirm my identity to you, please stop calling and provide validation to the address you believe is on file and if it is indeed me I will call back and make arrangements '' ; instead the caller just terminated the call and disregarded everything I said. I called back with the same statement, same hangup. This happened three additional times. I am not sure why this company can not acknowledge a cease calls request, I shouldn't have to jump through hoops to make sure they do indeed remove my phone number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Today with a credit balance due me on my account of {$39.00}, I directed in writing that Barclaycard send me that balance and close the account. They've closed the account but REPEATEDLY AND EVASIVELY refused to state that they've sent me my {$39.00}. ( I closed the account because Barclaycard has the worst customer service of any credit card I've ever had and this issue is typical. )

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 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a member of Experian. I tried to access my account last night to check my report and was told that I had entered the incorrect username or password. I had not. When I tried to reset my password, it asked for my pertinent information : First Name, Last Name, Birthdate, last 4 numbers of my SSN and my mother 's maiden name. After entering this information, it told me that I was not in the system. When I tried to rectify over the phone, it hung up on me. It is all automated and does not give you the option of speaking with a representative. I finally called a number in California and was on hold for 15 minutes before I spoke with a representative. The rep told me that Experian was migrating old accounts to a new accounts and we could not log in to our account. They could not tell me how long it will take. I never received correspondence from them even though they said that they sent emails. They would not forward the email to me. I asked the rep to file a complaint and she said she would. I am concerned.

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 monetary relief
Consumer complaint received 2018-12-03 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: OH

Complaint narrative:
I disputed the inaccurate reporting or errors on my credit report with documentation. XXXX  did not remove the accounts

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 2018-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i deposited a check # XXXX by mobile deposit app and it was held due to funds not being avail at the time it went through ( monday XX/XX/XXXX ) since then the funds were made avail to take ( XX/XX/2018 ) then on Thursday ( XX/XX/2018 ) Wells Fargo cashed the check and removed the funds from XXXX XXXX. on Monday ( XX/XX/2018 ) I realized the money was not in my account i then called customer service and waited on hold for 20 min and then finally reached somebody and tried to file a complaint within the company. I was cut off and call never retrurned. Therefore, I would have to start over so i decided to personally go to a local branch and I waited again. The rep for the bank couldnt do anything and I requested a bank manager which never came and after 1 hour i had to go back to work and left still without resolution. So frustrated that I am unable to make my mortgage payment being due on XX/XX/2018 to the same bank who is holding my money even after they have took the funds from the check issued bank. I had a lot of positive feelings this morning when i woke up and since then the day has become very stressful and im losing pay with time being wasted. The bank automated service asks for acct number- last 4 social AND YOUR ATM PIN NUMBER.. I couldnt believe they asked me for that and they said it was OK because their system is secure not realizing the device im using is not. ( cell phone ). I have never been asked for a PIN number that is not directly typed in by me. I have been banking for a long time and you should never give your pin out verbally or digitally without a 100 % full secured connection. The cell phone make it less than secure and they are putting peoples financial info out for grabs. They already ask for your last 4 social because it is incomplete.

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 2018-12-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
As you can see from the enclosed credit report, it shows a late/missed payment of {$0.00} on XX/XX/2018. This is a mistake because I have been enrolled in Auto Pay since XX/XX/2018. 

I spoke to Citibank and after being and after being on hold for over an hour they asked me to call them back after 30 days.

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 2018-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

XXXX XXXX XXXX  Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2015 Balance : {$80.00} Terms : High Balance : {$80.00} Limit : Past Due : {$80.00} Payment Status : At least 120 days or more than four payments past due Comments : CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS COLLECTION ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
In XXXX, I took out a student loan to attend XXXX  school at the XXXX XXXX XXXX XXXXa at XXXX XXXX. I borrowed approximately {$22000.00}. I began paying back on the loan in XXXX. Since that time the loan has been bought and sold numerous times. I can not tell you what specific lending institutions had the loan during the past 19 years. Currently, my balance is over {$17000.00} after paying on it for nearly 20 years. I dont know how that could possibly be. I have tried on multiple occasions to contact lenders for loan and payments histories to no avail. No one has been able to provide this information. Specifically, I have not been able to find the original amount borrowed versus what I have paid to date. I have had no success tracking this down. The current loan holder is Navient. They have not been able to provide any relevant information either. I am reaching out to you to help me resolve this matter. I have had zero luck myself. I feel I am throwing money down the drain.

Company response to consumer: Closed with explanation