vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This account is a  Private Student Loan account that was originally through Chase. Th e account was opened on or around  XX/XX/2008   . The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provide d, Chase deem ed that I was no longer liable for this account.  XXXX  and  XXXX  have already been updated, they have removed the  Chase Student Loan a ccount from my credit reports, however,  XXXX  has not removed this account. I have disputed this account several times on  XXXX , and each time, they respond with the creditor has validated this debt. I have called Chase several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT. Chase directs me to contact  XXXX   XXXX   XXXX   (  XXXX   ). I have called  XXXX  several times, and have spoken to several people, including supervisors, and they have no record of my account.  XXXX  directs me to contact Chase, as they are the ( only -  XXXX  is NOT ) lenders reporting on my  XXXX  credit report. The numbers that I have tried are  XXXX  (   XXXX   ),  XXXX  ( old  Chase Student Loan  line - which no longer works ),  XXXX  (  XXXX  - this is for Federal Student Loans ). In other words , Chase a nd  XXXX  are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: MO

Complaint narrative:
I mailed a check to Navient on  XXXX   XXXX ,   XXXX  . The check cleared my bank account on  XXXX   XXXX ,   XXXX  .   I checked my student email today, and there was an email from  XXXX   XXXX  stating my account was past due an d may impact m y credit.   I called urgently today at  XXXX  to remedy the situation, stating I paid, and they said I mailed it to the wrong place. They said they could bring my account up to date, that I would need to mail them a copy of the check clearing my account, so I said I would and I thanked them. He said it was reported to my credit two days ago, though. That frustrated me because the payment cleared my bank account. Then he reiterated what needs to happen to fix it.   THEN, I received a recording stating I agreed to go into forbearance. I disagreed, because that is not what needed to happen and asked to speak with a supervisor. The supervisor said I needed to go into forbearance or allow my account to remain past due. This is unacceptable for someone who has paid her bills, the checks have cleared, but they did not apply it to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received a  Summons letter  earlier this month from office of   XXXX   XXXX   XXXX   XXXX  stated that I failed to appear in court  XXXX  and a judgment was made against me in  XXXX  in regards to a  Providian cre dit card from maybe  XXXX . I emailed their offices questioning what the documents was about because I was never notified on the actual hearing date! Even worse it 's  10 year old a nd they are chasing me for this! I probably had this type of card but thought the account was charged off or something? Sorry not sure what came of this card, I will own that I could have had a balance but NOT {$3000.00}. This office stated that the amount before this " judgement " against me, {$1800.00} was being basically taxed every month since   XX/XX/XXXX !? Whi ch explains why it sits at {$3000.00}? Anyway I called this office today  XXXX  # and requested a payment plan because I ca n't afford to take time off and or extra court costs. I need to know if this is legitimate? This whole thing has thrown me for a loop because it 's been 10 years and the lustig office wo n't give me anything other than the summons letter to explain why after this long I 'm being charged to pay this drastic amount. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
portfolio recovery does not have ANY valid contract with me and is using methods of extortion by defamation of character to collect a debt that was never owed to the m, Im not their cus tomer, Im not their member, Im not their consumer, They need to show me a valid lawful contract or they must CEASE AND DESIST AT ONCE, because they are in violation also of information breach!!! see applicable law, s. A breach occurs when a customers personal information was, or is reasonably believed to have been, accessed by an unauthorized person.   N.J.S.A . 56:8-163 ( a ). Upon discovering the breach, the first step is to notify the Division of State Police,   in the Department of Law and Public Safety, for investigation or handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I paid {$110.00} to  XXXX   XXXX   XXXX  in person when I closed my account and gave them back The equipment I was renting To receive the internet. They must have sold my information to another company because now Diversified consultant inc Is on my credit Report as of   XXXX   XXXX   XXXX     claiming that I ow e Them { $110.00}. Because of the false claim that I owe money, my  credit score w ent down. I do n't no who th is Company  is. I do n't owe them anything my last bill was paid with  XXXX   XXXX   XXXX .   Please help Me Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
I have as ked Stevens Business Service multip le times to stop calling and they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hello All, I have two issues, one with J.P. Morgan/Chase Bank and the other is with the WA State Supreme Court Clerk.
The Clerk 's of the Courts effectively run interference for the court so they do n't have the court to hear Constitutional issue. I lost my family home of 61 years because of Clerk 's of the Court refuse to Docket my petition that the WA Constitution Article 1 Section 4, the right to petition. J.P. Morgan/Chase Bank commit fraud on a daily bases for profit at the expense of the consumer. Please help the American Consumers.
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This account is a Private Student Loan account that was originally through Chase.  The account was opened on or around XX/XX/2008. The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provided, Chase deemed  that I was no longer liable for this account. XXXX and XXXX have already been updated, they have removed the Chase Student Loan account from my credit reports, however, XXXX has not removed this account. I have disputed this account several times on XXXX, and each time, they respond with the creditor has validated this debt. I have called Chase several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT. Chase directs me to contact XXXX XXXX XXXX ( XXXX ). I have called XXXX several times, and have spoken to several people, including supervisors, and they have no record of my account. XXXX directs me to contact Chase, as they are the ( only - XXXX is NOT ) lenders reporting on my XXXX credit report. The numbers that I have tried are XXXX ( XXXX ), XXXX ( old Chase Student Loan line - which no longer works ), XXXX ( XXXX - this is for Federal Student Loans ). In other words, Chase and XXXX are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is  a Private Student Loan a ccount that was originally through  XXXX . The account was opened on or around  XXXX / XXXX / 2008 . The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provided,  XXXX  deemed that I was no longer liable for this account.   XXXX   and  XXXX  have already been updated, they have removed the  XXXX   XXXX   XXXX  account from my credit reports, however, Equifax has not removed this account. I have disputed this account several times on Equifax, and each time, they respond with the creditor has validated this debt. I have called  XXXX  several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT.  XXXX  directs me to contact  XXXX   XXXX   XXXX   (    XXXX   ). I have called  XXXX  several times, and have spoken to several people, including supervisors, and they have no record of my account.  XXXX  directs me to contact  XXXX , as they are the ( only -  XXXX  is NOT ) lenders reporting on my Equifax credit report. The numbers that I have tried are  XXXX  (   XXXX   ),  XXXX  ( old  XXXX   XXXX   XXXX  line - which no longer works ),  XXXX  (  XXXX  - this is for Federal Student Loans ). In other words,  XXXX  and  XXXX  are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/XXXX  paypal funds a loan for {$8000.00} at 30 % repa y Paypal b alance was {$19000.00} XX/XX/XXXX  Paypal deactivates my account/debit card and ability to process transactions without notice.  <P/>  XXXX   XXXX   Paypal reactivates my account.   <P/>  XXXX   XXXX   Paypal s ets a {$10000.00} + 18 % reserve on my account. Seizing {$10000.00} indefinitely and applying 18 % of sales to a 90 day rolling reserve. Taking a collective 3 % transaction fee, 18 % rolling reserve fee + 30 % loan fee = 51 % of gross + {$10000.00}  XX/XX/XXXX   Paypal denies my claim to speak with a representative about revie wing my case for a minimum of 90 days.  <P/> I liquidated inventory to cover expenses I had fallen behind on from a slow   XXXX   sales year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
My loan was tran sferred to Specialized Loan Servicing in   XXXX   XXXX .  SLS h as failed to honor the payment amount that  XXXX   XXXX  had in place while they serviced my loan. My payment amount was {$2600.00}.  SLS says that my  payment is over {$2600.00}. This is clearly wrong.  <P/> In addition,  XXXX   XXXX  ran an escrow analysis in  XXXX   XXXX , and my payment adjusted. When the loan transferred , SLS failed to honor the escrow analysis, and ran another analysis. The payments increased again, and I  was given limited help in having this issue rectified.

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 2017-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Diversified Consultants Inc, ac ting as a debt collector representing  XXXX   XXXX   XXXX  has been contacting me from about early  XXXX  claiming that I have not returned  XXXX   XXXX   XXXX   XXXX  equipment to their client  XXXX   XXXX   XXXX  when my services were cancelled on or about   XX/XX/XXXX .  By the way, prior t o Diversified Consultants Inc. sta rting to contact me,  XXXX   XXXX   XXXX  had also been contacting me saying that I had not returned their equipment. I provided  XXXX   XXXX   XXXX  and subsequent ly Diversified Consultants Inc. a s well  with proof of my having returned the equipment. I provided Diversified Consultants Inc. proof of my having returned the equipment with pictures of the  equipment that I had taken inside the boxes before being packed up by their designated  XXXX  store as well as the work order receipt with the tracking # for the shipping provided to me from the  XXXX  store. This information was provided to  XXXX   XXXX   XXXX  of  Diversified Consultants Inc. vi a email sent to her o n XX/XX/XXXX  . I have the email and all attachments sent to  XXXX   XXXX . The calls and letters stopped as of that date leading me to believe I have finally resolved this issue. The collection letters and phone calls resumed all of sudden in   XX/XX/XXXX !!! I know see that as of this month, they have reported this debt I do n't even have with th e collection bureaus. The amount is for {$760.00}. I feel this is fraudulent, wrongful and irresponsible debt collection being perpetrated against me by both  XXXX   XXXX   XXXX  and  Diversified Collection , Inc  after repeatedly being provided with proof of my not owing this debt!!! I am so frustrated at how it has now gone on my credit report that I have worked so hard on building. I need this to be investigated and to have it removed from my credit report and any other  XXXX   XXXX   XXXX  or any collection agency working on their behalf 's account! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding fraudently added a tradeline to my credit report in the amount of XXXX. I have tried to dispute this issue multiple time with the credit bureau because this company has failed to uphold the FCRA Act by not sending me no information, never was given a chance to verify that this was my debt. I did receive information from the original creditor but not from them and if the original creditor sold my debt to this company and I have received nothing in the physical mail from them and do n't even know a account number with this company how are they allowed to effect my credit score in this manner

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Was denied a loan to purchase a vehicle in the final stages of the process after having been approved and submitted documents requested to verify identity and income and when asked why the creditor suddenly reversed their decision they cited recent liens, evictions and judgements that do not exist on any of the reports with  XXXX ,  XXXX  or  XXXX . In addition their response after attempting to resolve was a repeat of reasons for denial and not where they got the information they based that decision on so I still have not been informed of where that information came from and therefore can not look into the data furnisher or dispute the incorrect information. They are required to give such information they based their decision on by law and have not. Also if the information was not obtained from  XXXX  of the  XXXX  consumer credit bureau s I dem and to know who is storing and providing data related to myself and my personal finances for which I have not authorized to do so and want any personal information of mine in their possession destroyed immediately along with distribution of my personal information to anyone without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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 — Problem with personal statement of dispute
Company: ERC
State: FL

Complaint narrative:
I do n't owe  XXXX  any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
My name is XXXX XXXX. XXXX XXXX, I graduated with a XXXX Degree in XXXX XXXX XXXX XXXX. My school promoted something that they never delivered. That was the promise of a job after graduating. Unfortunately when I was into the program the Dean was demoted and the staff did not care about the students. There were no XXXX programs and the staff did not help me find an XXXX. The upshot is that I am earning a low income. I have made a good faith effort to repay my loan at a monthly rate I could afford. Going back to when Navient was XXXX XXXX I had been mislead and hurried by unprofessional and dishonest XXXX XXXX reps. They have obscured information on my payment options. I do n't have the exact dates regarding the grievence I am going to address. However, I would be happy to give my account number to track them. This was around three years ago. I had trouble paying the {$110.00} on my loan. I asked the Navient Rep to defer the loan a couple of months. Instead he aggressively pushed me into a loan where I pay {$64.00} for two years and that it will go up. He stated that this was the best plan and that there were other opportunities to keep a monthly payment after this period. This was totally dishonest. He obscured information on interest only payment which would of been less than a {$100.00} a month at the time. Instead after two years my interest with principle skyrocketed. Last XXXX I called Navient. My monthly payment went up to over {$200.00} that makes it impossible to repay this loan in good will. Now I am in a position where I have to defer my loan because Navient 's information resulted in higher monthly payments with interest. I am in an economic hardship position. My annual XXXX income was around {$27000.00}. My cost of living bills include leasing a car for transportation, rent that keeps rising, car insurance, credit card, medical insurance, electric, phone, food, and dental.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear Sir/Madame, The following complaint pertains to a previous case that was opened on XX/XX/2017 - case # XXXX. In that circumstance, I explained the reasons for my dispute with Synchrony Bank. In a nutshell, the bank opened 2 accounts and twice put me in collection without any notice. I was the victim of an identity theft. The fraudulent person only knows my social security number and my date of birth. As far as I know, he/she does not have any other piece of information. I was questioning why Synchrony Bank opened 2 accounts under my name and put me in collection twice when the identity thief only had 2 pieces of information ( it 's my understanding that, regardless of any precise regulation, the well-established rule of thumb is " at least 3 pieces '' ). In their reply, the bank states that the fraudulent person also has a valid previous address of mine that was verified before opening the accounts. All credit reports by the 3 main agencies show the incorrect address as solely submitted by Synchrony Bank. On several occasions, I asked the bank to corroborate such statement that is relevant to the case and that was submitted under the supervision of a governmental agency. I was told that the Bank has no way to prove the accuracy of the statement. Unfortunately, there is a history of Synchrony Bank providing me with inaccurate information. Why should I trust them now? Two weeks ago, on a voicemail, I was provided with the name of the agency from which they received the information and asked to contact it. Since Synchrony Bank is, in my opinion, largely to blame for the unpleasant incident, since Synchrony Bank made such statement a crucial element in dismissing my claim, should I not deserve clarifications? Who holds the burden of proof for something that was stated by Synchrony Bank, not me? Why should I contact a business partner of Synchrony Bank that does not have any previous interaction with me? Why should Synchrony Bank " wash its hands of it '' when the whole incident was created by the bank itself, not having the courtesy to contact me when so much information was incorrect ( the identity-theft does not even know my correct last name )? Is it too much to ask that, if you make a key statement under the supervision of a governmental agency, you also have to corroborate it? Thanks!

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