vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX did not hire a collection repair company. And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For security collection service XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX XXXX   XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my 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 2019-07-24 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: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I paid off JJ Marshall Company on XXXX. I contacted XXXX and XXXX for the collection account to come off of my credit report. It did not come off and is showing closed on XXXX. This is not true. This is wrong information. I called JJ Marshall Company and spoke to XXXX XXXX, in which he was rude and blamed the wrong information on XXXX. I requested this to be taken off my credit report and they would not do it, nor would they correct it. I am requesting that this be taken off my report. It is wrong information and is bringing my credit score down. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I have a pennymac home loan. I lost my job in XXXX and was diagnosed with XXXX XXXX in late XXXX to early XXXX. I have made calls to the loan service department and the escalation departments of pennymac ; in excess of 40 calls to try and save my home from foreclosure. 

Despite my request for loan modification process XXXX 2019, calls on my behalf by the veteran affair mortgage assistance beginning in XXXX to current. I was denied the modification in XXXX  2019.  The veterans affair representative advised me to petion for the VA foregiveness program offered to all veteran home loans. The forgiveness program was denied by Pennymac, even at the request of the VA loan representative. Payments made to Pennymac in the amount of {$580.00} were not applied to my loan but were being  held in a suspense account. 

Pennymac was still unwiling to work with me after the denied loan modification and the VA loan forgiveness program. 

With no recourse I was forced to list of my home for sale on XX/XX/19. Pennymac refused to halt forclosure proceedings even though my house was up for sale. 

After borrowing money for various relatives I was able to wire {$4800.00} on XX/XX/19 as requested by pennymac letter date XX/XX/2019. Pennymac has continuously refused to halt the foreclosure processing even though my loan is now current. Instead they have charged an additional {$4000.00} for legal processing fees. Unless someone intercedes on my behalf I fear the loss of my home. 

I am seeking help with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: AR

Complaint narrative:
I asked Experian to file a dispute on errors on my credit report. I got the results back and it showed several things deleted on my report but still showed on my credit report. I called and asked for an explanation of there findings. Spoke to a lady and she said that they did no investigation into my claims it was verified electronically and if that was what they said then it was accurate. They did not get any information to see if this was an accurate statement no documentation to verify the accuracy of the accounts no proof of anything. I was told it was the creditors job to investigate not theirs. How is that an investigation? And why do they call it one if they dont investigate.

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 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We filed a claim at an atm for {$800.00} which was fine until today. Now they are saying they cant verify that we never got the money ... .even though we called that day and gave them the receipt number and what it said. If it was {$20.00} that would be one thing but I am not going to lose {$800.00} bc the bank cant figure out how to correctly do their job. They can look on the camera and see we never got our money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-24 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: College Foundation, Inc.
State: NC

Complaint narrative:
I have had this student loan over 15 years. Never have been forgiven on any student debt when others have. My area has been affected by hurricane Florence in XXXX of XXXX. I almost lost everything. In XXXX of XXXX, i made a {$250.00} and was told i would be given a forbearance. It is XX/XX/XXXX today and they have flagged my account 60 days past due which should not be there as i was told i would be given a forbearance. Im trying to close on a home equity line of credit which will enable my family to get back on their feet and also pay the XXXX College student loan out. This is the most deceptive treatment i have ever received and nobody their will discuss their mistake which is adversely affecting myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
Americollect called me and told me about a debt that I had I was very on sure if it was my debt so I asked them if they could sent me a validation letter asking for that what this debt was for and what I was paying them for that was back in XX/XX/2019. I have not yet received anything and I have asked them repeatedly to send me something. When I would ask this would be when they would ask for money. What I mean is I am am already paying them {$330.00} dollars a month and they still call me asking for more money from me but still they do not send me anything to validate my debt. The last time I asked them was In XXXX and I called them for it. Still Nothing. Now I am still paying them {$330.00} dollars a month and I don't even know if this is my debt. I can not to keep paying them this ridicules amount of money my family and I can not afford it. I am a family of XXXX making less then XXXX and they know this but that is what they said I had to pay or they where going to said this over to their lawyers and sue me.Not only that the woman was horrible mean to me when I started asking questions about my bill she said I had to pay that amount. They say they are the nicest people but they are not at all good to people by any means.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advance America, Cash Advance Centers, Inc.
State: MO

Complaint narrative:
I received a call XX/XX/XXXX from a company identifying itself as XXXX. I talked to a woman named XXXX. She stated that I owe a debt to Advance America for a payday loan that I defaulted on in XX/XX/XXXX in the amount of {$1000.00}. I told her I hadnt received anything in writing about this debt and she said they dont send out notification. She stated that if I didnt pay the amount in full I would be served legal papers suing me for that amount plus legal fees which could make the amount about {$6000.00} in the end. I told her I could not pay the full {$1000.00}. She stated I could pay half and then make payments biweekly. I set this payment up with her. I received an emailed receipt from XXXX. I have reason to believe this could be a scam. So I called back XX/XX/XXXX to talk to XXXX and requested verification of debt be sent to me. She refused saying that they are not a collection agency so they are not required to send a notification. I told her I would not be paying this debt due to the threatening nature of the collection unless I got something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
( Pls note that it takes at least 1-2 hrs of waiting on the phone to reach anyone in HSBC Dispute Dept.  ) On XX/XX/XXXX I notified HSBC dispute department re an amount of {$600.00} that I wanted them to put into dispute. I then received a letter dated XX/XX/XXXX confirming that HSBC had followed thru and temporarily credited my account {$600.00}. Then on XX/XX/XXXX, I went to court about the dispute and the Judge ruled in my favor that the {$600.00} ( plus court costs ) should be paid ( back ) to me by the defendant. I immediately notified HSBC dispute department ( on XX/XX/XXXX ) by phone that the court had ruled in my favor and to please keep the dispute amount credited to my account. The Dispute dept. rep. also told me to write an email explaining everything to HSBC along with copy of the court document, which i did immediately. In my email, I stated that esp. because of winning my court case, they needed to keep the disputed amount credited to me. However, despite all of this, I received a letter from HSBC dated XX/XX/XXXX, that " After careful review of your dispute, we have determined that we do not have sufficient documentation/information and are unable to purse this matter further. We have placed this charge back on your account. ''!!! I immediately called HSBC Disputes - spoke to the same rep again, and asked why HSBC HAD COMPLETELY IGNORED THE LEGAL DOCUMENT/PROOF AND MY REQUEST! The rep said they had incorrectly interpreted my email!!!! And without even bothering to ask me, decided to put the entire charge back on my account!! The rep then said I should write yet ANOTHER email telling them why THEY had made the mistake!! But then, a week later, i received a final letter from HSBC dated XX/XX/XXXX basically saying that it was too late. The defendant had cashed the money and " We have removed this item from dispute and consider it resolved. ''!!! NOW, I have started to pay legal fees to recoup the money and don't know how much I will eventually have to pay to get the money back. So besides this complaint I AM DEMANDING THAT HSBC START COMPENSATING ME FOR THE ADDITIONAL LEGAL FEES I MUST NOW PAY ( beginning with {$43.00} ) - FOR WHAT WAS A COMPLETE & UTTER FAILURE ON THEIR PART! How does such a major bank have such a dangerously incompetent Dispute Dept.???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I made an initial purchase with Synchrony Bank in XX/XX/XXXX of XXXX. I was given a 24 month financing with no interest. Between XX/XX/XXXX and XX/XX/XXXX my payment was XXXX In XX/XX/XXXX I made another purchase of XXXX I was told that it was no interest if paid off within 12 month. I was told in the store that the payment would automatically calculate to payoff within the promotional period. 

The first statement after the next promotional period came and the payment was now XXXX. I added up the total balance of the card and the entire balance would be paid off by XX/XX/XXXX with a XXXX payment. There was no discoluser that made it clear how the payment would be applied. I have been making auto payments of XXXX since the second purchase assuming that the payment was first being applied to the balance that would expire first then being applied to the rest of the balance and that my payment would be XXXX until XX/XX/XXXX. This is how other Synchrony bank account I have had with promotional balances work. Today I realized that payment has been continuing to apply XXXX dollars to the XX/XX/XXXX balance and XXXX going to the balance expiring in XXXX of XXXX. I called to ask why how I was supposed to know that is how this payment would be applied since I was told something contradictory in the store and the math worked out and was told I would need to call them to know. This is not an acceptable answer. I difference of this promotion v. the initial promotion in how the payments are calculated should have been more clear. I am now going to have to pay for XXXX in one month to pay this XXXX dollar purchase that was supposed to be split up over a year off without interest. The balances are shown on the statements but are on the 2nd page and I get the statements electronically and there was no warning about the promotion expiring soon.

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 2019-07-24 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: NC

Complaint narrative:
I have fraudulent account reporting under Equifax credit reporting agency, I have disputed several times and even with a FTC Affidavit validating the fact that i had been a victim of ID theft, yet they are not being helpful at all ; therefore, have no way of finding out whether or not what the situation is about my disputes and a fraudulent account. The fraudulent account I have disputed with Equifax are listed in the attached letter I originally sent them, please assist me in making sure that the Fair Credit Repoting Act Section 605b is upheld by Equifax Inc., A private entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: WV

Complaint narrative:
XXXX/XXXX told the Consumer Financial Protection Bureau the account is to old to validate and will be reported for removal from credit bureau reporting. However, that has not occurred and Equifax is not removing it from my report. I have disputed this twice. I sent them the companies response to the Consumer Financial Protection Bureau and it still hasn't been removed. XXXX did not even send me notification it was being sent to the credit bureau or a right to dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have had this student loan over 15 years. Never have been forgiven on any student debt when others have. My area has been affected by hurricane Florence in XXXX of XXXX. I almost lost everything. In XXXX of XXXX, i made a {$250.00} and was told i would be given a forbearance. It is XX/XX/XXXX today and they have flagged my account 60 days past due which should not be there as i was told i would be given a forbearance. Im trying to close on a home equity line of credit which will enable my family to get back on their feet and also pay the NC XXXX student loan out. This is the most deceptive treatment i have ever received and nobody their will discuss their mistake which is adversely affecting myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: WV

Complaint narrative:
Experian is reporting the same account on my report twice. I asked for it to be updated, however it was not removed. XXXX XXXX XXXX in the amount of {$0.00} is reporting on my credit file but is also on my credit file for {$600.00} with XXXX XXXX. They are reporting it on my credit report as two negatives when it has been sold. There is no contract with them so it needs to be removed. A negative item should not be duplicated on my 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 non-monetary relief
Consumer complaint received 2019-07-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone else had access to my new credit card and made almost XXXX in charges, then made a fraudulent check of almost XXXX towards this account, I contacted Capital One Fraud Department several times account manager and nothing was ever resolved. I received a letter from Capital One that this issue had been resolved, yet that was for their own protection, it never was. 

I have file a consumer affidavit with the FTC along with a police report and since then I have closed my Capital One account, since they made the mistake of reporting this to the credit bureau stating that I had utilized {$30000.00} in credit card charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
There are five steps to submit your complaint : Step 1 : What is this complaint about? 
My complaint against Navient and Sallie on fraudulent activity towards my account. Sallie and consolidated loans i never entered agreement. Fraudulently sign my information on documents to take over my loans that was handle by XXXX XXXX. I have filed police reports and everything against this company. While trying to resolve the issue now Navient is over my loan I'm trying to resolve fraudulent activity alone with payments that paid XXXX for a XXXX loan plus interest totaling XXXX paid in full they keep having independent companies under umbrella to keep the account open on a paid account to get more money. This is fraudulent to me and they are transfer correct information on a loan that is paid in full. 
Step 2 : What type of problem are you having Step 3 : What happened? 
I try to call them but they give me a run around plus taking advantage of my situations to capitalize off me setting high interest rates and they care less to help you but work solely on the behalf of the Fraudulent company Navient. They have been paid in full. They find ways to keep the account current by selling my account to other companies. XXXX of my money then paid a account t Step 4 : What company is this complaint about? Navient and Sallie mae XXXX XXXX XXXX XXXX XXXX XXXX. 

Step 5 : Who are the people involved? 
XXXX XXXX consumer vs Navient Before you get started please help me

Company response to consumer: Closed with explanation