vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 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: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I have a chase freedom visa card which I paid off on XX/XX/2019 This was 2 days too late for them so I was charged a late fee. Since I paid off the entire balance and made no more charges I did not access my statement. Since I did not access my statement I was charged another late fee on top of the late fee. They took off the first late fee but not the second so I owe {$27.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been try to use my login credentials to check my pass statements from Sears credit card store with out success, my credit was use on a purchase with out my authorization back on XX/XX/2019, i been dealing with stolen identity since then and proving that purchases where made with out me been present on those transactions, such as BestBuy stores and XXXX 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
Consumer complaint received 2019-11-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Bank of America voluntarily closed my credit card ( my longest standing History credit account to date - 13yrs ) just after one mailed correspondence ( in XXXX ) to an address that I was no longer at. I move around the country and have changed my address numerous times but have never changed my email nor phone number, however, they decided not to contact me at either of those channels regarding such a serious topic. BofA gladly emails me all the time offering and soliciting products for sales, yet they do not inform me that they are about to ruin my credit score closing my longest history credit account ( as well, skew my credit utilization due to the reduction of my total credit limit ). After spending 2+ hours on the phone with multiple managers, one of whom deliberately and intentionally hung up on me and transferred me back to the main queue, they said that the 'policy ' went into effect last week that they can no longer re-open a closed account and there can not do anything. BofA effectively has given these managers zero authority to provide actual customer relationship banking services. This is a huge issue for me being a business and financial manager who advises clients on issues such as personal credit. Had I been informed that my account was going to be closed, I would have made a purchase on the account to keep it open. I do not believe that ONE mailed notification is sufficient correspondence regarding such a serious issue. What's more, the only reason I found this out was from a notification from my XXXX XXXX account asking if I closed this account, and when I opened the app it shows a remark saying that BofA noted that the Account [ was ] Closed by consumer. It most definitely NOT closed by me. All I am asking to have the account re-opened which I know they can do as an override as I have been with the bank since 1998. Can we please re-open this account and call it a day, otherwise, I will have lost faith in this banking system and the 'relationships ' that I have been sold. Please find it in your heart to re-open this account because we as US citizens are only judged by 3 numbers ( credit score ) and when I do not have the power to control this number because of a 'voluntary ' close on the institutions part, I am at the mercy and am powerless to control my future of purchasing a house or anything credit-related due to actions out of my control. Thank you

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 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
trying to get a new job and my credit is stopping me and the information that is not mines is on the report and address that need to be removed unknown medical bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX , XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX  # XXXX** : medical bills

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 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I tried to do a loan modification with SPS. SPS is stating to me that because I had other reviews in the past the investor says I am not eligible. I next submitted a short sale and SPS is stating because of how far behind I am on my mortgage that a short sale is not an option per the investor. The investor is XXXX XXXX. I spoke to XXXX XXXX and they stated I am eligible for a short sale because I never did one before.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Attempted to complete a VA Streamline IRRRL refinance for my home property. After receiving approval for the loan they provided disclosures with the new loan estimates and charges. I saw there was not a VA funding fee associated for VA home loans. I asked, deliberately, about the absence of this charge. The representative stated USAA were exempt of this charge by the Veterans Administration and did not have to apply this charge to its members, creating incentive for myself to pursue this loan. I asked again to confirm and the USAA representative went to confirm that this was valid by confirmation of her colleague and her direct manager. They also acknowledged this exemption to be true. As we approached closing, I did not receive final disclosures, which is not typical. I attempted to reach the processor who had been servicing me thus far, and she was not available. On her VM, she directed calls to another representative as she was out of office during the week. I could not reach said representative or a manager. This was XX/XX/XXXX. Closing was the next day XX/XX/XXXX. I did not receive a call back or any feedback prior to the notary coming. Upon signing I noticed more discrepencies and the notary informed me I have 5 days to cancel the transaction. For the time being I completed the signing and intended to correct or rectify the situation. During signing, I viewed new unpreviouslydisclosed charges ( One being VA Funding Fee ), improper deed recording information, and other concerning relevant transaction details. I again attempted to contact USAA the next business day XX/XX/XXXX, this morning, but a manager or  the previous processors were not available. I feel a compliant is most appropriate given what has transpired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I was scammed into buying gift cards totaling {$12000.00}. But the credit card company says it is {$17000.00}. I have tried to get the conversations with the scammer but have had no luck in getting this information. If I had this information I would be able to prove I had only purchased 24 gift cards at {$500.00} which is {$12000.00}. Because those conversations have the gift card # 's on those conversations on them. If there have been more gift cards purchased the scammer used my card to purchase the additional {$5000.00} using my card numbers. These transactions occurred onXX/XX/XXXX& XX/XX/2019.This happened on my computer, I was informed by Microsoft that I had suspicious activity on my card and to call them. They said they would connect me to a direct line to my credit company, which was Capital One. When I was connected I looked on my phone and it was the number to Capital One customer service which is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion has deceptively charged me {$27.00} each month since XX/XX/2019 for subscription services that I did not initiate. They refused to refund me when I called them several times to complain. Additionally, I have searched my mails and have found NO RECORD of them ever notifying me of any charges that were being made. 

I came across an article online that said over 100+ people have complained about the same issue : TransUnion deceptively opting them into ~ {$20.00} subscription services that they did not sign up for, and even when I cited this PUBLIC COMPLAINT, they refused to refund me for these wrongful charges. 

READ IT HERE : https : 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 monetary relief
Consumer complaint received 2019-11-04 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: FL

Complaint narrative:
Please be advised that this is my 27nd / WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them. 
XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

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 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
I have tried for six weeks to get XXXX to endorse and send checks from Insurance company to pay for work done. 

XX/XX/XXXX Roof Damage XXXX XXXX issued half payment check to get work started. 
I mailed to XXXX XXXX they endorsed and Work started. 

Work was completed XX/XX/XXXX. 
Insurance company inspected and approved Issued checks for final payment County inspected and signed off on the work as well. 

I mailed insurance checks again to Mortgage company and they returned them UNENDORSED. 

They claim they needed to see the estimate and W9 for the roofers and a list of documents. I mailed the documents and check AND ALSO faxed them as requested. 

I was told they do NOT correspond through Email. 
I then received a letter stating that they understand that I have had damage. 
Which makes no sense since they endorsed the checks to start the work. 

I called and was then told that the roofer needed to fill out one of their special forms. 
I requested it sent to me as well as a call back from a supervisor. 

Six weeks have passed and they are still holding the checks from the Insurance Company. I am not able to pay the roofers who did the work. 
As far as the insurance company is concerned the work is done and the claim is finished. 

Each time I call they are rude and I feel as if they are being unreasonable when I only want to be able to pay the workers for what they did. My insurance company provided the check payment. This is just a simple endorsement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: VA

Complaint narrative:
There are 2 account on my Experian report that is incorrect. These accounts were included/discharged with my chapter XXXX bankruptcy. I have filed disputes with Experian and they keep saying the information is correct and will not change it. The accounts are with XXXX XXXX XXXX and XXXX  XXXX/ 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
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: DE

Complaint narrative:
TRS RECOVERY SERVICES INC. I got 4 letters from this company attempting to collect on XXXX online check Payments never made or authorized by me on a account that i had closed years ago from a result of lost checks from a credit card account. I dispute check number XXXX {$11.00} REF XXXX check number {$60.00} REF XXXX check number XXXX {$20.00} REF XXXX and check number XXXX {$59.00} REF XXXX these are all fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase bank, JPMCB CARD SERVICES. 
YEAR AND DATES 2019, XXXX, XXXX, XXXX, XXXX. During 2019 me and Bank a new agreement with my collection. Chase did not remove and delete any other late charges they put on my account after making this new agreement. Therefore after I've been trying to fix it and they said they can't change it or remove any more dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Managment contacted via phone on XX/XX/2019 saying they were trying to collect a debt for XXXX XXXX ( XXXX ). They said the address they had on file was the street address of my former residence. My mailing address was a PO Box . 

I attempted to get an address for them to mail them a letter requesting debt validation. I finally was able to get a valid address and mailed a letter to them certified mail. The first letter I sent was signed for by XXXX XXXX on XX/XX/2019. MCM never responded to my request for debt validation. Instead they sent me a letter on XX/XX/2019 threatening referral to an attorney. I sent them another letter that was delivered to them on XX/XX/2019, again requesting debt validation. I received a letter dated XX/XX/2019 again threatening a suit, but no debt validation. I called MCM on XX/XX/2019 and was told by the representative that they had not received any letters from me, even though I do have confirmation from USPS that the letters were delivered. They said they had mailed me a letter in XX/XX/2019 XXXX to my current address, which they did not have in XX/XX/2019 ) advising that they had bought the account from XXXX XXXX. That in no way validates that they actually bought the account. 

I need validation that they have the authority to collect this debt before I make any promises for payment to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: Convergent Resources, Inc.
State: IN

Complaint narrative:
XXXX sold a past due account that was over two years old to collection agency. The account was time barred when sold to convergent outsourcing in XXXX of 2016. Neither company will help get this removed 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 2019-11-04 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: CA

Complaint narrative:
My student loans were previously being serviced by XXXX, but when I applied for the Public Service Loan Forgiveness they were immediately moved to FedLoan. My loans have now been with FedLoan for about 2 months and they are not showing any of my previous qualifying payments! Some of my loans should be ready to qualify for forgiveness now, but FedLoan says they don't know why my payments aren't showing. I have emailed them multiple times, asking for these corrections to be made but nothing is happening!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Company is using letter that is trademarked with company letterhead representing participation of Original Creditor to collect debt. Original Creditor states the letter was not sent to collection agency to be forwarded to me as a means to verify debt and they have nothing more to do with that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Harassing phone calls and threating to have me arrested National credit systems, debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
PCR  calls several times a day. We called them back and they checked all associated phone numbers with us and they don't have any of our phone numbers on file. So we don't have a debt there that needs to be collected. The rep stated she would forward this information to management so the calls would stop. They continue to robo call daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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