vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX XXXX  XXXX  is inaccurate, this is from an issue from late XXXX. Was under XXXX XXXX  XX/XX/XXXX. They keep transferring to another collection to affect my credit report more, with inaccurate dates and as new incident. None of the credit reporting agency did a proper investigation and just dismissed the dispute. They stated they called the collection agency and they said it was accurate. That was it, my consumer rights are being violated. It is fraud and intimidation to repeatedly transfer it just before it is suppose to be removed from the credit report. These collection agency are in the same area and it is obvious. If they looked at my credit report they would see was report XX/XX/XXXX and is not from an incident this year.

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 2019-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
I try to dispute off my credit report and it keeps coming back as verified. With out any evidence to show I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: First Data Corporation
State: MA

Complaint narrative:
We opened an account at First Data, with a merchant account and XXXX   XXXX    since XX/XX/2019. The service enable us to charge customers payment for delivery service. The account works properly until XX/XX/2019. 

Since we are a startup, at start, the cash flow into XXXX  account is small and we are able to redeem the money from XXXX account to our bank account. However, since with the growing of the business, the cash flow becomes larger, and then we are unable to redeem the money from XXXX  account. We didn't notice until XX/XX/2019. they close the whole account without any notice! We have been trying to call  the customer service several times. They only give an answer that this is due the security reason that close our account and reject to do further assistance. The customer service says they can't help us and transfer us to security department. However, the security department never pickup call! Their voice mail say they will call back between 24 to 48 hours!!! But we NEVER got their call!!! 

Now, XXXX has been freeze more than XXXX dollar in the account and reject to answer any questions and disappear!

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 2019-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have deposit a check for {$550.00}. 
The bank release a {$200.00} next business day. The rest {$350.00} was on hold for 8 business day. 
So I call the bank, they told me that is their policy. When I deposit, they should let me know on hold for 9 business days. Instead they just say it will be on hold. Since I need the funds to pay for expenses, I don't have any to spend, so I called the bank and told me to wait until it release.

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 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: Early Warning Services, LLC
State: IL

Complaint narrative:
This company, Early Warning, is used to verify banking history. They do not provide a way to access your information online or a dispute process other than to MAIL them a letter and include DANGEROUS information susceptible to fraud.

I should not be REQUIRED to MAIL a signed and dated Consumer Identification and Certification Form, a copy of one form of identification ( Drivers License, ID Card, Passport or other government issued identification ). What better way to steal someone's identity than to send a driver 's license through the postal service to an anonymous company and their anonymous employees?

They list a " secure portal '', but there is absolutely no link to access it anywhere on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery disingenuously keeps sending correpondence to an address that I haven't lived at in 22 years in an attempt to make sure that I default. 

I've filed and answer, and ensured that I filed and address change with the district courts. They repeatedly disingenuously filed yet another court summons and mailed it to the wrong address to potentially achieve the same disingenuous default. 

I've personally called the creditor and they refused to speak with me referring me to a local Law firm. I've both disputed & asked them remove this from my credit report to no avail. 

The summons states its Portfolio Recovery who request me in court as well as its the same company damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: CA

Complaint narrative:
The XXXX XXXX  collection is inaccurate, this is from an issue from late XXXX. Was under XXXX  XXXX  XX/XX/XXXX. They keep transferring to another collection to affect my credit report more, with inaccurate dates and as new incident. None of the credit reporting agency did a proper investigation and just dismissed the dispute. They stated they called the collection agency and they said it was accurate. That was it, my consumer rights are being violated. It is fraud and intimidation to repeatedly transfer it just before it is suppose to be removed from the credit report. These collection agency are in the same area and it is obvious. If they looked at my credit report they would see was report XX/XX/XXXX and is not from an incident this year.

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 2019-12-29 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: CA

Complaint narrative:
The XXXX  XXXX  collection is inaccurate, this is from an issue from late XXXX. Was under XXXX  XXXX XX/XX/XXXX. They keep transferring to another collection to affect my credit report more, with inaccurate dates and as new incident. None of the credit reporting agency did a proper investigation and just dismissed the dispute. They stated they called the collection agency and they said it was accurate. That was it, my consumer rights are being violated. It is fraud and intimidation to repeatedly transfer it just before it is suppose to be removed from the credit report. These collection agency are in the same area and it is obvious. If they looked at my credit report they would see was report XX/XX/XXXX and is not from an incident this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
These people appied my car payment of XX/XX/2019 to another account although I made the payment with their rep. they also charged a extra fee of {$10.00} .... 

Please help ... I have attached the payment slip from my bank.

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 2019-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center
State: CT

Complaint narrative:
In XX/XX/XXXX I was contacted by Premier Student Loans. They explained to me that they could help me reduce my student loan amount using federal programs. Since I am on social Security XXXX it was determined through Premier that my loans would be reduced to {$8000.00} from approximately {$160000.00}. My federal student loans had been consolidated through XXXX XXXX XXXX but I was not making payments due to a deferment. Most of my work was via phone but I have several emails from Premier, one of which is an approval by XXXX XXXX  to accept this new program. Premier told me that I would pay an initial 4 payments of {$240.00} for fees for their service in helping to set up my new repayment program. After the initial 4 payments I was to pay {$30.00} a month through a credit card. I made my first payment of {$240.00} on XX/XX/XXXX. I began making my {$30.00} payments XX/XX/XXXX to Premier. I was told that in 10 months I would receive paperwork to confirm that my financial status was still the same. During this time I continued to receive statements stating that I owed {$0.00}. Premier explained that this would happen and that I did not have to pay XXXX because I was on a new federal program. 
After 10 months I received a renewal form to confirm that I still qualified for deferment. I was confused by some of the repayment questions regarding what program I was on. I contacted XXXX to determine how I should answer as to what my program was officially called. XXXX  informed me that they had no information regarding Premier and that there was nothing in my records to confirm that Premier ever contacted them. XXXX  explained that I was on a financial deferment ( however interest still accrued ) through them. The person I spoke with told me that there were many fraudulent companies and that I needed to contact Premier. Concerned, I contacted Premier only to get a prerecorded message stating that the company was temporarily suspended and was being sued by CFPB through several states. There was no way to get a hold of anyone. 
I also contacted my credit card company to stop all payments to Premier. In reviewing my credit card statement I found that after Premier was suspended I was still charged {$30.00} but this time through a company named XXXX XXXX   XXXX. I have instructed the credit card co. to stop all automatic payments to either company. I have filed a claim with the credit card but at this time they have denied the fraud charges. I am waiting to get a letter of proof confirming that XXXX XXXX was never contacted by Premier and that no payments have been made to them.I am also working with Senator XXXX XXXX XXXX office in Connecticut.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: WI

Complaint narrative:
I have a serious problem with AAFES credit card, called Military Star. I obtained credit card and was making payments without any problems. I lived in XXXX   at the time and since then, moved to XXXX. I traveled to a navy base in XXXX in order to continue making payments. My account does not show on their system. I called AAFES in XXXX, and they said, i had to send them a letter via mail. After I did that, I was told the account did not exist. 
So, a year later, I have not being able to pay my card because it would not be accredited, nothing else was mailed to me and suddenly, on my XXXX report only, AAFES reported my account as charged off for lack of payment. 

The system at AAFES continues to not recognized my name and social security number. They say that the number is the one I used at beginning and in XXXX, but I still can not find it on their system and is impossible to pay.

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 2019-12-29 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: AZ

Complaint narrative:
They promised to help with lowering payments. I have called multiple times to get help only to be ignored. I am now getting calls all hours of the day up until XXXX XXXX  at night and as early as XXXX XXXX. This is ridiculous! I have told them to stop and its not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On my credit report there are three ( 3 ) items that are marked collections that I have disputed with the companies personally so they should be marked as disputes. Two in particular are being disputed for charges I did not make and have disputed on a number of occasions with the companies personally.

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 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Membership # XXXX I did not sign up for no credit Membership with Experian.

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 2019-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX and XX/XX/2019 I submitted disputes with TransUnion and XXXX  for them to provide me with verification documents or delete fraudulent accounts being reported to my credit profile from a credit union named XXXX XXXX XXXX. Neither company has provided me with any documents and are continuously reporting inaccurate accounts to my credit profile limiting my ability to use credit. XXXX  is not reporting these inaccurate accounts. Both companies are in violation reporting these accounts. Both companies report different high balances, balances, date opened and payment statuses. These companies are also reporting that I have a outstanding balance with a credit union named XXXX and XXXX. Both of the accounts are being reported in violation. I disputed these accounts asking for original documents with my signature and I have not received it. XXXX  is reporting a fraudulent XXXX account that is in violation also.

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 2019-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
Suntrust sent me an email on XX/XX/19 recommending ways to mitigate loss. I replied to them multiple times via a phone call to XXXX XXXX, emails to him between twice between XX/XX/XXXX-XX/XX/19. 

I accepted the offer to file a collated mortgage assistance application. 

XXXX and nobody in SunTrust has replied with the application documents, any ways to download the documents, no documents via email or anything. 

SunTrust is trying to take my poetry and assist selling it to some white folks for gentrification. 

I can't get no replies from them. Help 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 2019-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Credit Card sends me emails at my email address in which I did not sign up for nor want my information on the internet due to much fraud going on. Accounts ending in XXXX & XXXX should be no more info or statements email with the accounts ending in XXXX XXXX. 
I receive my statements by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
In XXXX, around XXXX, XXXX husband and I purchased furniture at a local store in XXXX. The furniture stores has a sign that it finances their furniture. We made a purchase and never filled out an application, instead, the gentleman filled out something upon paying after we purchase the furniture. 

We were told that it got approved {$2000.00}, never told us from where the money was coming from. We assumed they were financing. After a few days, we receive a card from Synchrony bank and we have paid the card, even though right now, my husband 's income as a XXXX veteran and i have not worked due to a fall in a XXXX place, and on treatment, we have paid up to now. 
The problem is that I called the bank due to amount no going down, instead has gone up and never comes down. The bank said that it was due to old interest charged back onto the account, since we did not cancel amount of debt in a promotional time allowed. 
We were not told of any promotional time allowed, we were just told to sell us the furniture, that if we paid it in six months or less, we wouldnt pay any interest within that time, but obviously, we could not, and so we continue paying, but it is outrage, how we pay any amount above and beyond and we get charged late fees, interest upon new totals treated as purchases when they are not and interest on top of interest. This is total abuse. We called the bank on friday XXXX XX/XX/XXXX, and they have denied us any information such as contracts etc, instead, they went ahead and closed a credit card account which I never eceived, and entered my credit without authrization to make excuse reasons for closing, in reprisal for my affirmation that I was going to report them to your Agency. And so, saturday, XXXX, I received a letter from the same bank stating that the credit card from XXXX is now closed, but it will not allowed me into the system, because i never got this card. All I had was a statement about being able to shop and so, it never came to pass.

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 2019-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have summited a police report identity theft report and a signed notarized affidavit to Bank of America and the Credit Bureaus of a fraudulent account in my name. I have tried call Bank of America to clear this matter but have only been transferred to several department with no clarity of removing this account, I have sent all documents by fax and mail provided by bank of America XXXX XXXX XXXX XXXX az XXXX fax XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation