vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a XXXX card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed. 

I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. XXXX was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by XXXX to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount. 

I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment. 

XXXX is still showing on my XXXX  credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my XXXX  report. 

In XX/XX/XXXX, I submitted an online dispute to XXXX about this matter. On XX/XX/XXXX, I received a letter in response from XXXX stating that the XXXX information was " Verified as accurate ''. 

I had seen an increase in my Experian credit score when the amount was paid to XXXX and at that time Experian was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from Experian that XXXX had reported negative information to them and now that XXXX account is showing up as " Charged Off '' with a balance of {$20000.00} on my Experian credit report. My Experian credit score plummeted over 50 points because of this. 

This erroneous reporting of information has negatively affected my creditworthiness. 

I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this XXXX account be COMPLETELY removed from my report with ALL credit reporting agencies. 

If I am unable to have this request met by XXXX, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all. 

I am providing proof that this amount was paid to XXXX as per XXXX 's instructions.

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 2018-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I paid the total owed on my credit card account and maintained making payments in a timely manner. I submitted notification to the company that I am an XXXX XXXX service member as of XX/XX/2017. As a result, I am protected under the SCRA act. However ; the company sent me notification that my account was closed based on my credit report. I feel they checked my credit report based on my race and because I am a service member. There was no reason to close my account as it was paid in full and I did not have a 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 2018-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Roughly 60 days ago, Chase had closed my online access to pay the bill with the mobile application. 

That is how I always paid the bill on my Chase Freedom card. 

I have been waiting for a call back from an escalation manager for almost 2 months because I can not pay my bill because they do not have record of the account ending in XXXX. THEY ARE FORCING ME TO DEFAULT ON THIS CARD WITH A {$6000.00} balance because EVERYTIME I CALL AND GIVE MY SSN # DOB AND LAST 4 of the ACOUNT NUMBER, THEY CANT FIND THE ACCOUNT. I will SUE WITH MY ATTORNEY IF THIS IS NOT RESOLVED, and NOW THE MINIMUM PAYMENT IS PROBABLY {$600.00} WHICH I CAN NOT AFFORD SINCE THEY HAVE NOT ALLOWED ME TO PAY MY BILL AND ADDED LATES FEES WITH FINANCE FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
The amount of payments that have been credited to my account are inaccurate I have repeatedly requested documented details regarding the loan and have received nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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:
IN REGARDS TO EQUIFAX : XXXX. XXXX  XXXX XXXX GA XXXX I CAN'T CLEARLY UNDERSTAND HOW LONG THIS DATA BREACH COULD POSSIBLY BE GOING. THIS ADDRESS DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX DOES NOT BELONG TO ME AND I HAVE NEVER LIVED AT THIS LOCATION YET EQUIFAX REFUSES TO REMOVE IT WHEN I HAVE LIVED AT MY CURRENT ADDRESS SINCE XX/XX/2004 WHEN MY HOME WAS BUILT. 
EQUIFAX DATA REPORTING IS TRULY FRIVIOULOUS AND SOMETHING NEEDS TO BE DONE ABOUT THIS AGENCY AS THERE NEEDS TIGHTER GOVERNMENT RESTRICTIONS PLACED INTO ACTION ON THEM. I DON'T KNOW IF THIS ADDRESS IS LINKED TO A FRAUDULENT ACCOUNT THAT IS REPORTING ON MY REPORT BUT IT NEEDS TO BE REMOVED ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
XX/XX/2018 sent letter to them to validate the debt, but they ignored my letter and put on credit with no proof that its mine!

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 2018-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Medical Data Systems, Inc.
State: LA

Complaint narrative:
On Thursday XX/XX/XXXX after coming home from work the US Marshalls were waiting at my house to XX/XX/XXXX me. once we arrived at the police station and my mug shot was taking they informed me that Medical Data Systems Inc had filed a law suit against me for a medical bill that allegedly belonged to me from XX/XX/XXXX with XXXX XXXX XXXX. I notified them them that i have had medical coverage thru medicaid consistantly since XX/XX/XXXX. Being that i have had full medical coverage since XX/XX/XXXX this bill should have never been sent out to me nor any collector account. I understand that under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacyand medical records from third parties. i do not recall giving permission for them to releasemy medical information to a third party. i am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with patients authorization. therefore my request is twofold, validation of debt and HIPPA authorization. Please send this information to my address which i am allowed under the FDCPA. Please not that withholding this information you recieved from any medical provider in an attempt to be HIPPA complaint scan be a violataion of the FDCPA because you will be decieving me after my written request.I request full documentation of what you recieved from the provider about this alleged debt. 
Additionaly, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to see damages from a collection agent. i will await your reply with above requested proof. i will also need the name of the person providing this data, and the way it was provided in order that i may pursue additional legal remedies if needed. if you can not obtain the infortmation from the origianl creditor along with proof of me having medical insurance within the requested time frame. ( 30 days ) please delete this account from my credit report.

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 2018-04-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
On XX/XX/XXXX Nissan motor corporation fraudulently listed my car as a repo on my credit in an effort to distort my credibility with creditors. Ive paid all of my payments on my vehicle loan with Nissan and had sent them the XX/XX/XXXX payment as well. My mom drives this car therefore although its financed by me she insures and drives it. Im an excluded driver driver because I dont normally drive the car and Im not on her policy. However, we decided that Id get the car back as soon as she get herself another ride. My mom gave it back to me and unfortunately I had a wreck that totaled the car. She hadnt gotten the chance to add me to her policy on that date. 
The wrecker service called by the officer who took my statement during the accident apparently called Nissan as I never knew the location of the car. My mom was handling all of that. She ( my mom ) stated the wrecker service told her the car was being picked up by Nissan when she inquired about it in an effort to take care of the salvage and pick up the personalized tag that was on it on XX/XX/XXXX. When I went to trade the totaled vehicle, NMAC had listed it as an involuntary repossession to the bureaus. They never called or contacted me about their intent to take my car or why they thought they were involved. As my car wasnt in any defaults where NMAC were involved. I was paying and consistently maintained insurance on it, in full compliance of my lease agreement with them. When I called and three way spoke with a representative in the repo dept along with my mom to find out why they came and got my car they told me the wrecker service called them and said no one was reachable to take care of the salvage. So they took it. That is wrong and creditors arent allowed the opportunity to seize possession of any vehicle without first giving the consumer the right to take care of the matter. They just got the car and put it on my report in an effort to discredit my credibility. Nissan was being paid and had no loss here they decided to report false information to the bureaus and didnt give me anytime to resolve the matter. I had the accident XX/XX/XXXX they placed this car as an involuntary repo on my credit XX/XX/XXXX which is a blatant attempt to take money from me and discredit me. The FCRA has laws against reporting false information to bureaus and stealing from consumers by businesses and this is what Nissan has done to me. I want them to fix this or Id like for the FCRA to take action against them if they dont. They told me Id have to pay repo fees and reimburse them for salvage and take possession of my vehicle which they took without a cause in the first place in an attempt to steal money from me and discredit my credibility. Im young I know but Im not stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XX/XX/2018. sent letter asking to validate the debt, but ignored my request. still no validation of debt, placed it on credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
IN REGARDS TO : EQUIFAX XXXX. XXXX XXXX XXXX GA XXXX EQUIFAX CONTINUES TO REPORT FRAUDULENT INFORMATION ON ADDRESSES THAT DO NOT BELONG TO ME AND WHERE THOSE ADDRESSES WHERE USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. NEVER HAVE I LIVED AT THESE ADDRESSES ON MY CREDIT REPORT EXCEPT FOR MY HOME I'VED LIVED AT SINCE 2004. THIS IS A TOTAL INCONVIENCE OF THE INACCURATE REPORTING AND THEN BEING ON THE LIST OF THOSE MILLIONS AFFECTED BY THE EQUIFAX DATA BREACH. THEY REFUSE TO CORRECT THEIR ERROR AND MAKE THINGS RIGHT. I HAVENT BEEN ABLE TO RECEIVE AN UPDATED EQUIFAX REPORT AS REQUESTED. IM TIRED OF ALL THE SHENANIGANS DEALING WITH EQUIFAX THATS WHY IM FILING THIS WITH YOU ALL AND MY NEXT STEP IS THE FTC AND THE XXXX AND THE ATTORNEY GENERALS OFFICE IN XXXX GA TO GET THESE MATTERS RESOLVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have reached out to Wells Fargo multiple times about the account they are reporting on my 3 credit reports. They continuously fail to verify the account and failed to reply to my letter requesting full verification that they are reporting 100 % accurate.

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 2018-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient XXXX {$6400.00} Navient XXXX {$5100.00} Navient XXXX {$10000.00} Navient XXXX {$9700.00} Currently this is with an attorney. Navient never worked with me to adjust amount or consolidate my loans. I have other loans and they have all worked with me to make paying affordable, not Navient. They lied, called to collect at every hour day and/or night. These loans are old going back several years. I am just so frustrated that I had to hire an attorney to mediate, it's costing more then the original loan. 
Attorney : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX XXXX Card by Chase on XX/XX/XXXX, and was approved with a {$22000.00} credit limit. On XX/XX/XXXX, before I even had a chance to use the card, Chase closed the account. I received a letter in the mail stating, " After careful consideration, we closed your credit card account on XX/XX/XXXX, because our affiliate is ending its banking relationship with you. '' I called the phone number on the letter ( XXXX ) on XX/XX/XXXX, and the representative told me that all she can see is that another of my Chase accounts was closed. However, I do not have any other Chase accounts, except for a mortgage, which Chase bought in XX/XX/XXXX ( and is still active ). The representative said there is nothing more she can do, and that I am welcome to mail a letter or send a fax to their executive office. 

I suspect this account closure may be due to fraudulent activity. On XX/XX/XXXX, someone had fraudulently applied for a Chase credit card in my name. I reported this to Chase at the time, and the Chase representative informed me that the account was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: NV

Complaint narrative:
I have been disputing a account on my credit report from Healthcare Collections LLC. On XX/XX/2018 i sent a letter to HealthCare Collections LLC certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. i never received a response from HealthCare Collections LLC within 30 days.They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.

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 2018-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2018 I closed my checking and savings account and moved all my funds to another bank. A few days later a check I had written was presented to the bank for payment of {$9.00}. Rather than refusing the check, the bank reopened my account and paid the {$9.00}. The bank then charged me $ XXXX+ a {$35.00} insufficient funds charge on my closed account and assessed me a {$30.00} per week charge for every week subsequently. Of course I knew nothing about this until I received a notice from my former bank on XX/XX/XXXX demanding payment of {$130.00}. I have tried to resolve the issue thru contact with customer service. They offered to waive one fee and told me to speak with the branch manager, a XXXX XXXX. This was to no avail. Attempts to contact the regional manager were thwarted by the banks refusal to provide his phone number or proper email address. Attempts to contact senior officials in higher offices were also hampered by promise of " I will check into that and get back to you '' I paid the bank the {$9.00} they were owed but have refused to pay the assessed fees for their stupidity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a hard inquiry on my account from XXXX. I never used XXXX and never agreed to checking my credit from XXXX on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased a {$5.00} dollar item on XXXX, I thought I paid by PayPal, which I usually did and paid with my own bank account linked. However, next day I got a call from XXXX XXXX  ( my credit monitoring tool I use ) regarding my hard inquiry activity. I checked the hard inquiry company, it is PayPal Credit, they opened an account with my {$5.00} dollar balance without my consent, and requested a hard inquiry on my credit profile. What in the world would I open a credit account with {$5.00} purchase? So I called them to close my account right away the next day. I requested to remove my hard inquiry on my profile, they told me to fax over my information. I did fax over. I asked to confirm if they receive my fax, the customer service replied 1 week later, told me they did not receive my fax doc and informed me to fax to different fax #. I am not happy with the speed of their customer service and why did you tell me to fax to one number, then to different next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
New mortgage company we have, Freedom Mortgage, took over mortgage on XX/XX/XXXX. They said we need flood insurance even though our neighborhood is elevated and built on sill. Was told to get flood insurance in 45 days or they would buy it for me from their own insurance company -- and promised it would be expensive. They also said they would not accept an elevation certificate, but a LOMA from FEMA which can take over a year to get. The Flood Plain manager for my city said that is ridiculous -- LOMAs are based on the elevation certificate. There is no way to get a LOMA in 45 days.

I bought flood insurance in the meantime. Thought that would be the end of it. It takes 30 days for flood insurance to be active. I get another letter on XX/XX/XXXX that reads, and I quote : " We will charge you for insurance we plan to buy for XX/XX/XXXX to XX/XX/XXXX '' and that the insurance they buy " will cost an estimated {$570.00}, which may be significantly more expensive than insurance you can buy yourself ''.

HOW can you buy insurance retroactively??? When I asked my flood insurance company if I could buy insurance for months already passed, they told me it was illegal.

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 2018-04-21 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: IL

Complaint narrative:
Navient has disabled the Custom Pay option for me giving me a technical error everyday time. Ive been making 2 or 3 smaller payments a month and put in as much as i can but now they have disabled that option as well. Their employees are getting nasty on the phone as well and will hang up the phone occasionally before the conversation has ended. Can something be done about this?

Company response to consumer: Closed with explanation