vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: NH

Complaint narrative:
On XX/XX/2019 I received a phone call where I was told it was being recorded and I stated to the company to stop calling me. I then received a phone call on the same day at XXXX which I did not answer. I then recieved another phone call on XX/XX/XXXX at XXXX XXXX and when I was asked to speak to a manager they refused to allow me to speak to one and I again statted to remove my phone number. 

I never received my validation notice from this company and when I told them they had my wrong address they didn't even ask for my new one. After telling them I didn't want any more phone calls on XX/XX/XXXX they continued to ask for a payment in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Spoken with Capital One via certified letters. Company continues to send letter requesting additional information. Sent verification via certified mail proof of inquires on report. Company continues to request same information. Each letter cost XXXX this is my third attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Sent certified letter to XXXX XXXX XXXX and company failed to comply with FCRA guidelines. Requested written verification of inquiry ; no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Sent certified letter to XXXX XXXX XXXX and company failed to comply with FCRA guidelines. Requested written verification of inquiry ; no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I have been trying to get validation of the debt and all I keep being told by company that it is valid and I advised the company that I was a victim of Identity Theft and I needed validation. I disputed with the credit reporting agencies and the credit reporting agencies have my identity theft packets. XX/XX/XXXX-XX/XX/XXXX XXXX {$260.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial Services has placed a delinquent account on my credit report that depicts the wrong information. The account XXXX XXXX XXXX XXXX was incurred in XX/XX/XXXXand this collection agency is stating on my crit report it was incurred on XX/XX/XXXX. 

This reporting is in error and I ask that the matter be handled accordingly. 

Further, I want to verify that legally this account should be removed from my report 7 years from the DATE OF ORIGINAL CHARGE. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Spoken with XXXX XXXX via certified letters. Company continues to send letter requesting additional information. Sent verification via certified mail proof of inquires on report. Company continues to request same information. Each letter cost XXXX this is my third attempt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Spoken with XXXX XXXX via certified letters. Company continues to send letter requesting additional information. Sent verification via certified mail proof of inquires on report. Company continues to request same information. Each letter cost XXXX this is my third attempt.

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 2019-05-18 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
Sent letters via certified to company regarding Hard Inquiry on credit file. Client refuses to submit via mail response to hard inquiry placed on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Sent letters via certified to company regarding Hard Inquiry on credit file. Client refuses to submit via mail response to hard inquiry placed on 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 2019-05-18 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:
This complaint is for TransUnion and XXXX. I have submitted disputes regarding the same company, XXXX XXXX several times, regarding the errors on my credit report and they have failed to correct the information or totally remove XXXX XXXX from my Credit Report altogether, in which they stated on XXXX  XXXX site on XXXXXXXX19 that they would do. The exact language was " XXXX XXXX between XXXX XXXX, 2019 and XX/XX/XXXX, your automotive account with XXXX XXXX was removed from your Credit Report. '' When I checked my acct again on XXXX/XXXX/19, there was a new remark added for the XXXX XXXX Acct, which stated " fixed '' and they left the account on my record. I am considering filing a lawsuit against TransUnion and XXXX  at this point, since they are reporting incorrect information and have fail to properly investigate, and not remove the information well after 30 days. As a result my credit score dropped again by almost 50 points with TransUnion, due to Negligence on their part. Thank you for your assistance regarding this urgent 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 2019-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was charged {$2500.00} on XX/XX/XXXX at XXXX for a service that was never recieved called XXXX to XXXX. XXXX refused to provide the service due to " not having a valid ID ''. 

I was then prompted to show my Chase debit card to receive an instant refund that should have showed back to my balance within 24 hours. But the funds never were refunded back to my card, so I disputed the transaction with Chase.

Chase denied the claim because " my pin # was used in the transaction '' which has nothing to do with anything. I am not claiming my card lost/stolen, simply that I did not receive the service I paid for, nor did the funds get refunded back to my Chase account.

Chase also closed my account because somehow disputing the transaction was " a security risk '' and so now I am out of {$2400.00} and I also have no checking account. 

Thanks Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: AES/PHEAA
State: MO

Complaint narrative:
I have my student loans through " XXXX XXXX XXXX '' and two times now they have moved me into forbearance / deferment status without my approval. The first time I was in deferment for at least 6 months before I noticed. For years I was paying my bill electronically out of an account I do not pay much attention to. One day I happened to notice that my student loans stopped coming out. When I inquired about it they would not respond with a reasoning. They can not tell me why i was in deferment. However, in that time i did accrue interest and my balance only increased. 

This morning I received an email ( something I did not last year when it first happened ), and this email said I was approved again for forbearance / deferment. Again, i never asked for it and they just put me in there with no explanation. 

I am trying to pay down my student loans, but when this company puts me in deferment with no explanation, no reasoning, no advanced notice - I can not get out of debt. This is a scam, they are wanting me to defer so i increase the interest I owe and i extend my payoff period. I need them to stop putting me in deferment. But more importantly, this must be investigated to find out how many other people they are doing this too. Surely they are not just picking on me - but rather this is a practice they employ.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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:
This complaint is for XXXX and Equifax. I have submitted disputes regarding the same company, XXXX XXXX several times, regarding the errors on my credit report and they have failed to correct the information or totally remove XXXX XXXX from my Credit Report altogether, in which they stated on XXXX XXXX site on XX/XX/XXXX that they would do. The exact language was " XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX, your automotive account with XXXX XXXX was removed from your Credit Report. '' When I checked my acct again on XX/XX/XXXX, there was a new remark added for the XXXX XXXX Acct, which stated " fixed '' and they left the account on my record. I am considering filing a lawsuit against XXXX and Equifax at this point, since they are reporting incorrect information and have fail to properly investigate, and not remove the information well after 30 days. As a result my credit score dropped again by almost 50 points with XXXX, due to Negligence on their part. Thank you for your assistance regarding this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX in XXXX XXXX Nc XXXX / flooded my apartment with sewage the spewed from toilet all over the apartment around 2/3 Inches / do to a tree on the property that had grown and had put pressure on the pipes. They refuse to clean the sewage and force me live in unacceptable conditions / I abruptly moved they are staying on my credit report I own XXXX this fraud and unacceptable living conditions / I have notice by written signature before lease was to renew manger is a fraud and I will contact XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
This is the third time I have attempted to resolve this charge that is not mine. XX/XX/19 the company told me within 30 days the charge would be changed on my credit report. XX/XX/19 the company said they sent a letter to the original lender ( which I dont recognize either one of these companies therefore I suspect fraud ), however nothing has changed in the past three week. This is my third attempt to resolve this. Midwest Recovery Systems sent me something in the mail to file fraud but it required me to write all my information including my social security number. Tell me, why would I send a paper with all my information to a company a suspect is committing fraud against me? That doesnt make sense AT ALL. I demand this debt be taken off of credit report. I know there is no evidence that this debt is mine because I have never even had contact with this original lender. I will continue to report this until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
For my account XXXX, they sent the remaining {$1200.00} back to the IRS. However, there were some ATM disputes that were left and they replenished $ 800-1,000 back into my account AFTER the money was sent to the IRS XXXX So now there is a balance in my account that is owed to me. I need that sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
On XX/XX/2019, I completed a balance transfer online from a XXXX XXXX  credit card account to an HSBC credit card account. I contacted HSBC twice because the transfer has not been completed after over two weeks even though the balance of the transfer shows up on my new HSBC account. In the mean time, I am still paying interest on the XXXX XXXX   account. A transfer like this should not take this long. I don't think HSBC is making an effort to complete this transaction. I need help getting HSBC to do what they offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA

Complaint narrative:
As of XX/XX/2019, an account from American Medical Collections that appeared on my credit report was found to actually be with the original creditor XXXX XXXX, in the amount of {$120.00}. This account was immediately paid with the original creditor. I have no financial obligations to American Medical Collections, yet they continue to report to the credit bureaus a collections account in the amount of {$120.00}. I have called and submitted my receipt multiple times. AMC refuses to remove this false negative report, thus damaging my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union. Visa Credit Card They are charging so much in interest that I cant pay off the debt. I have called and they will not lower the interest. The interest for cash advance is so high and accrues daily. 5 yrs ago I needed a cash advance while going through a separation. Each time I make a payment it is absorbed by interest and never toward the balance until this day. I asked if I could pay the cash advance off and customer service replied no. So it keeps adding and I  cant reduce the debt unless I pay it off in full, which I cant do. Im paying monthly, but getting no where. I opened the card while going through a separation to help with expenses and did not understand the fine print. Now Im divorced, living in a small apartment, need to restore my credit, and Im trying, but cant make a dent in this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, 30 days late payment on the dates XX/XX/XXXX. 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 2019-05-18 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: DISCOVER BANK
State: MI

Complaint narrative:
ON XX/XX/XXXX I ATTEMPTED TO MAKE A XXXX PAYMENT FROM MY XXXX ACCOUNT TO MY DISCOVER CARD, AFTER WAITING 24 HOURS, I SAW THAT THE MONEY WAS STILL IN MY XXXX ACCOUNT SO THEN I ATTEMPTED TO RETRY THE XXXX FROM MY XXXX ACCOUNT TO MY XXXX. FINALLY ON XX/XX/XXXX THE PAYMENT WAS AUTHORIZED. SIMPLE ERROR ON MY PART. ON XX/XX/XXXX DISCOVER CARD CLOSED MY ACCOUNT STATING " UNSATISFACTORY PAYMENT HISTORY '' BECAUSE OF THE 2 TRIES TO MY ACCOUNT. PRIOR TO THIS, ALL MY PAYMENTS TO DISCOVER WERE ONTIME AND SENT FROM MY XXXX XXXX XXXX ACCOUNT. THIS IS VERY UNFAIR TO CLOSE THIS ACCOUNT, FOR THE PAST 5 YEARS, I HAVE CLEANED UP MY DEBTS AND CREDIT REPORT, THIS WILL BE A BLACK MARK ON MY REPORT, FOR A SIMPLE ERROR, I SHOULD HAVE BEEN MORE PATIENT WHEN SENDING THE FIRST PAYMENT. TRIED TO EXPLAIN TO DISCOVER LAST NIGHT, AND THEY SAID, IT WAS AN ADMINISTRATIVE DECISION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: TX

Complaint narrative:
In XX/XX/XXXX I submitted a dispute about 2 accounts on my credit file that were not reporting correctly. One account is reporting the last payment made date wrong yet the their rating key shows more payments were made past that date. This account supposedly sold the account to debt buyer which is reporting a different amount than what the original creditor has. The initial response from TransUnion was that they verified the information to be correct. I proceeded to ask what information did they base the supposed verification on because the account information was still wrong. They simply replied explaining their investigation procedures rather than re-investigating the errors. 

After reading more of my consumer rights I then re-disputed the accounts in XX/XX/XXXX they have blantantly ignored me and haven't even responded at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I discovered a loan for jewelry was issued by Synchrony Bank in my name when they contacted me seeking payment. This loan was the result of identity theft. I filed a claim for fraud with the company directly, which they denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC
State: TX

Complaint narrative:
I was notified by rise credit that I had taken out a loan and never paid. I informed them that I had not taken out a loan online and asked for proof. The company never sent proof that I opened this loan online and continue to pursue this debt along with reporting to the credit bureaus

Company response to consumer: Closed with explanation