vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I called XXXX XXXX about an account that show charge off on my credit card report. I waited two hours to talk to a representative in the recovery collection department. I explained to the representative that I notice there was a balance and the account have been charged off. Ask if I paid the account in full, that the negative account hit be removed. The representative said no. I asked why there was no past due notice and/or collection notice sent to my address. The representative, name XXXX # ID XXXX stated all correspondences on the account were sent via email and on and on about why would we mail correspondences on the account if I chose email on my account as method of communication. The representative keep on about how is it XXXX XXXX 's fault if I did not received it since my method of communication is email. Before I could explain to the representative that my email was hacked and I have not been able to received any emails for quite a long time, the call got silent like the representative might have muted the call. I stay on the line to see if the representative would realize that the phone was on mute and he's not hearing me, the call got disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: OK

Complaint narrative:
On XX/XX/2020 I filed for unemployment insurance with the State of Oklahoma. On XX/XX/2020 I received a letter that my GoProgram card had been mailed and it would take no longer than 7-10 days to receive. On XX/XX/XXXX I began trying to reach Conduent at XXXX. This is the phone number listed on the oesc.ok.gov website as the correct contact for all debit card related issues. On XX/XX/XXXX I called and waited on-hold for 2.5 hours before the call was disconnected. This number is listed as a 24/7 customer service number and the only contact information given for card issues. 
On XX/XX/XXXX I also called the customer service number for the Oklahoma Employment Security Commission. I filed a claim to let them know that I had not received my debit card and that I was unable to get through to the GoProgram contact number. I was told they could not send me a new card or help me and they had no suggestion on how I proceed. 
On XX/XX/XXXX, I called again and waiting on hold for nearly 3 hours before the call disconnected, I called back and sat on hold for another 2 hours and was unable to speak to anyone. 

I also went to the website provide at www.goprogram.com I created an account and attempted to set up direct deposit but was unable to do so with having my card information. I then tried to request a replacement card through the site but got and error message that they are unable to process this request. 

On XX/XX/XXXX I attempted to call again at XXXX hoping that calling during " off-hours '' would help me get through. I again waited on hold for 1.5 hours and was not able to reach anyone.

At this time I am unable to access my unemployment insurance funds and I am unable to get a replacement card. The handling of this process by Conduent is negligent at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
My loan was sold and servicing is through Faye servicing. I have repeatedly tried contacting to lodge complaints regarding payment issues, insurance issues, lack of communication, etc. During the last week, I have contacted them to make payments but their customer service line goes unanswered and there is no link to pay online as I have made payments before. I have now received letter of demand and contacted again to make payment before default date of XX/XX/2020. I was told they can not take payment unless in full. I contacted again and my payment was accepted. How can I cute default if payment is refused?? They have sent various threatening letters involving no insurance which I have, not taking payments, etc. I have left messages and complaints within the company which ALL have gone unanswered. I have requested lender information which was refused to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX .... reported to the Equifax that I applied for credit in which I never applied for. They have violated my rights to have a fair and accurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: SC

Complaint narrative:
I have had this account since XX/XX/XXXX. I am 100 % on time and paying ahead. 
On XX/XX/XXXX, Lending Club cash an extra ( two day passed the regular payment being received ) payment with a memo " apply to principal only ''. However, the company took interest. On XX/XX/XXXX, I requested they correct their error. To date they have not and are accruing interest on an incorrect balance. 
Now, I am prepared to payoff the loan and have advise them of this ; they refuse fix the mistake and reverse interest accrued in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I just need to have this removed Please To whom it may concern ; Portfolio Recovery has not been able by the legal standard of the FCRA provide me with the required documentation. Please be advised this a violation of FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to Ive asked Portfolio Recovery to please stop supplying unverifable info to my credit report ans to promptly have deleted all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you  fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the removal immediately. Thank you for your prompt assistance in this matter. 
Portfolio Recovery Acct XXXX The collection agency has supplied me with some documents that have been enclosed in this letter. If I am correct and I know I am this does not meet the legal requirements as per the FCRA. I have also filed a complaint with FCRB, FTC and the better business bureau regarding this matter. Regarding Portfolio Recovery and XXXX. I am a single mother of XXXX trying to get this rectified. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
XXXX XXXX/Department Of education and Navient still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XXXX of 2019 and reported as paid if full on my XXXX, XXXX and XXXX  credit report. ( see reports below ) There was also two recorded calls with XXXX   Manger and XXXX  Manger confirming all student loan accounts along with XXXX XXXX and XXXX were also paid in full. ( see recording and reports below ) XXXX, XXXX, XXXX,  Navient and XXXX XXXX/Department of education started to report the accounts that showed paid in full closed XXXX and XXXX of 2019 as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. Navient and XXXX XXXX has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from Navient and XXXX XXXX has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent to all credit agencies was too large to load but can be provided with request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
XX/XX/XXXX : Spoke with the collection agency to resolve the account. The agent told me the account was not past due because the company tried to collect payment using my checking account they had on file ( 3 ) days prior to my call. The payment was returned and that meant the account was still open because the attempted payment was made. The bank account the company tried to use has been closed for 2 years. 

This is not right. I did not authorize any sort of payment. This account has been in collections since XXXX. They are claiming {$1400.00} is owed but I only borrowed {$700.00}. 

They refuse to cooperate with me, continuously stating the account is not past due because of the attempted payment. I asked to speak to a supervisor, was transferred to a voicemail. I left a message and never received a callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: AR

Complaint narrative:
The card is thru Discover. I called them to see if they would lower the interest rate on my account since i have been with them since XXXX and have never missed a payment. I first called them on XX/XX/XXXX and they offered a 6 mth program which lowered the interest rate down to 9.99 % but for only 6 months. 

I enrolled in that program and was now that the 6 months is over the interest rate has gone to 22.99 %. I called Discover yesterday, XX/XX/XXXX and was told they can not offer and are not offering any help due to the covid 19. I expressed my concern why they are not willing to work with their clients like other credit card companies do. But the lady i spoke with just keep stating that there are no plans and since i just did the 6mth hardship that i am not eligible for any programs for 1 year. 

I have never paid the bill late, i pay early and usually pay more then the mininum. I don't want the card any longer and with interest rate so high it will take forever to pay it off. i have tried to get personal loan to consolidate and pay the card off but no luck. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
In XX/XX/XXXX Chase Card Services allowed an individual to open not just one, but two credit accounts in my name with this person as an authorized use without my knowledge or consent. I feel this is criminally negligent action by Chase Card Services. My credit score at the time these accounts were opened was so bad that I was turned down for a simple XXXX XXXX XXXX  XXXX  XXXX! These accounts were apparently both with {$5000.00} credit limits with were exceeded by this individual. I found out about these accounts when I applied for a home loan in XXXX and they showed up on a credit report. This person, later found out to be my soon to be ex-wife was secretly making minimum payments and these were set up as online accounts to a bogus email address I had no knowledge of. Chase Card Services initially agreed that I was not responsible for these fraudulent accounts, but later changed that decision as the secret payments were coming from our joint checking account. Regardless, these accounts should never have been allowed to be opened in my name, especially considering my credit score at the time. Speaking with their Fraud Department, I asked if anyone with my name, birthdate, SS #, and a bogus email account could open a credit account. Her reply was " yes ''. Criminal. My credit score is destroyed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education
State: TX

Complaint narrative:
UHEAA has stated on the website that they are not going to follow the mandate because FFEL is not considered federally held. That is not the right interpretation and needs to be resolved immediately. My other loan servicer, XXXX is has put a hold on my payments through XXXX XXXX. 

" According to the Department of Education, this benefit is only extended to federally held loans. Loans serviced by UHEAA are held under the Federal Family Education Loan ( FFEL ) Program and do not currently qualify for the interest waiver. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
XXXX XXXX was paid on XX/XX/2020 in the amount of {$360.00}. Should of have been removed off credit report and it still shows. 

XXXX XXXX XXXX was paid on XX/XX/2020 in the amount of {$1300.00}. This should of been deleted off credit and it is still showing. 

XXXX was paid on XX/XX/2020 in the amount of XXXX they said it would be removed but it still shows on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My XXXX card was closed by XXXX on XX/XX/2020 because of inactivity of credit card.I went on transunion site to get free copy of report and i cant.Transunion doesnt make it easy to navigate on there home page to get report for free.

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 2020-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
The original debt is from the City of XXXX and it was sent to collections company by the name of CMRE Financial Services.  the original bill is dated XX/XX/18. This is a bill that should be covered by XXXX XXXX as that was my insurance carrier at that time. the company refused to send the bill to XXXX so sent it to collections and it is now a ding on my credit report. I called CMRE a few times with the XXXX information and they refuse to send the bill to XXXX. I believe it is unlawful to bill a person covered by XXXX. I sent the City of XXXX and CMRE a copy of my insurance card and they refuse to process the billing. The amount is {$1900.00}. The bill from the City of XXXX has an address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. CMRE XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
( Related to FTC XXXX on XXXX for which Target Card suddenly stopped working at store and transactions were not visible on the website. On XXXX, XXXX XXXX was filed as Target Card refused to reach out to XXXX despite having started the claim. XXXX on XXXX for Target/TD-Bank preventing automated activation ). 
On XXXX, XXXX at XXXX XXXX was used to try and activate the additional cards on the accounts. These activations failed on both website and via phone call. COMPLAINTANT prefers to get these activated without contacting customer service as COMPLAINTANT entered the numbers exactly the way they were printed on the card. COMPLAINTANT wonders if Target/TD-bank has call/email/case records of other users having the same problem. 
On XXXX, COMPLAINTANT called XXXX at XXXX XXXX to activate the card. Automated means through website and automated call have failed during the call, however, the representative was able to activate the card. At XXXX XXXX, COMPLAINTANT called again to retrieve the PIN as previous representative omitted the PIN setup procedure. Had COMPLAINTANT been able to activate the card all on his own through automated means, he would not have had to call again nor attempt to reset via the Target website. COMPLAINTANT is perplexed as to why both representatives who ( 1 ) activated the card and ( 2 ) denied having access to PIN, refused/forgot to mention any PIN reset functionality of the website during the call. COMPLAINTANT wonders why Target employees/system have to create these situation artificially in such a way, so that they can deny ( a ) having access to COMPLAINTANT 's PIN nor ( b ) trying to harass him in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020, I saw these fraud transactions which are not mine. I have been calling Chase Claim service since then, but they keep me on hold and no one answers me. I claimed online for these transactions, and got Claim # XXXX. On XX/XX/2020 I received a letter from Chase that these transactions are not fraud. Please investigate this case again, because I did not authorize, I think my online banking was hacked, the same time five transaction were made. two of them were rejected by chase, other three transactions were completed.

From Chase business accounts was fraud two transaction XX/XX/2020- {$650.00} and {$480.00}. 
From Chase individual account was fraud one transaction XX/XX/2020- {$1000.00}. 
Please refund my money. 
Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I have been affected by the Corona Virus, and can not pay my mortgage. I would like for my payments to be deferred. My mortgage company is telling me that I would have to pay all of the passed due payments at once. Why cant the payments be pushed to the back of the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EMCC Holdings, LLC
State: FL

Complaint narrative:
XXXX ( Equiant Financial Service ) offered me and my husband a timeshare while on vacation to XXXX XXXX, Nevada  in XXXX XXXX, 2019. Under consideration, we completed the application process but the following day decided not to move forward with the contract. We was given five days to cancel without penalty. After many attempts to reach XXXX, the number provided was incorrect. I finally located a valid number, contacted XXXX, to proceed with canceling the contract ( loan ). 

I was assured by the representative it was canceled. However, I found a charge on my XXXX XXXX and XXXX card where a transaction was processed without my authorization. I disputed these transactions and was given a full refund as the investigation deemed I was not liable. The company, XXXX was notified. However, months later, during an application for a home loan, I was notified there were derogatory marks on my credit report for the timeshare. 

The company XXXX has not provided documentation as requested confirming cancellation and refuse to provide any legal document, confirming there is a contract. Moreover, after many attempts of contacting them in XXXX, the representative and supervisor refused to provide documentation and only requested I pay a large sum of money to satisfy a debt, that is not legally mine. 

They refuse to further assist me. I am seeking immediate resolution to remove EQUIANT FINANCIAL SVCS XXXX TimeSharedLoan XXXX11fXXXX all three credit bureaus.

Company response to consumer: Closed with explanation