vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 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 have been the victim of Identity theft the following inquiries were not authorized by me and these are the final items I have noticed : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received a call from rude person XX/XX/XXXX stating he was trying to serve me a summons. Informed him I was in Florida and would be back in office Monday if he'd like to serve it there. I am EASY to find - XXXX my name - my business address is everywhere. 

XX/XX/XXXX a XXXX XXXX from " XXXX XXXX XXXX '' called my cell phone, my office, my brother, his wife, my ex-wife and informed everyone I am being sued and they better tell him where I am. 

When I received the message he called, I called back immediately - I was transferred to " litigation '' where the person YELLED that I better pay my debt and he is suing me on behalf of Chase bank. 

The only information he provided was it was a credit card opened in XX/XX/XXXX, my last payment was in XX/XX/XXXX, and Chase charged off the debt in XX/XX/XXXX. I informed him California has a 4 year statute of limitations on collection, and would be happy to receive a summons to defend myself. He then began yelling that " you are being sued '' and " you just got served ''. 

I am an easy person to find, and there is no need for a debt collector to contact people and inform them I have an outstanding debt - he was very rude to them too. I have asked everyone to hold on to the voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I getting the run around about correcting a ongoing balance. Capital one blames it XXXX and XXXX  blames it on capital one. It is holding me up from buying my home. Loan officer wont let me go further

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I enrolled in a XXXX  program in fall 2018 ( XX/XX/18 ) and received an email on XX/XX/18 telling me that as I was enrolled, I now had a deferment on my account. The email includes a link to " remove this deferment, '' which, when you click on it, takes you to an FAQ on deferment ; however, under " can I cancel my deferment or forbearance, '' it says you CAN cancel the deferment, but doesn't tell you HOW to do it. There is no place on the website to do this, so after contacting them by phone, they tell me I have to complete a School Deferment Waiver Form, which they must send to me to my XXXX inbox. The form is not available on the website. Another difficulty is that the only way, according to the form, to get this sent back to XXXX is to either fax or mail it. Nothing indicates that it can be sent via the website, nor was I told this by several customer service reps over the next few months. I finally had the time to download, print, sign, scan, and fax it. But when I got yet another email about a deferment on my account on XX/XX/18, I called XXXX and asked why I had another deferment as I had sent in the form in XXXX. They said they only got the cover sheet, but not the form, which I completely don't understand ( why would they get one and not the other? ). Additionally, after 3 months of calls, I was FINALLY told that I could upload this on the site. XXXX DOES have a file upload section, but this form is not one of the options given. I was told to upload to the " Other '' section of the site, but again, how would I ever know this as a ) I was NEVER told this was an option for this form and b ) the form itself does not list this as an option? 

My question it, for people who do NOT have access to a printer, how in the world are they supposed to get this form to XXXX? It is completely ridiculous that while I can do every thing else on the website, I can't just fill out this form online, NOR is there anywhere on the form that indicates that I can just upload to the website, as again, it only mentions I can fax or mail it. It is very clear to me that XXXX wants to make this process as difficult as possible, as they would rather the additional interest on these loans gets capitalized in order to make them more money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 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: WI

Complaint narrative:
XXXX XXXX XXXX  XXXX Payment Status : Paid Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This account was to be removed from my report and to date it has not been completed. I can no longer request Equifax investigate the issue as they will not reinvestigate. Because the item has remained on my file it has impacted my obtaining credit as the vendors have specifically mentioned this item. Please remove this from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Claim number XXXX. I disputed a charge and Bank of America chose to  believe the merchant over me. They denied my claim and said that the evidence the merchant submitted was compelling and didnt even ask me if I had a rebuttal. XXXX told me they would reduce my cell phone bill but that it would not happen immediately, I said since it wont happen immediately then cancel it. They then said it would show up on my next bill cycle even after I told them to cancel it. This happened in XXXX, XXXX bill cycles have gone by and I have not received the service they claim to have given me. My phone bills are attached along with their email saying they would give me a refund. What compelling evidence did XXXX  give you?? Why didnt Bank of America ask me if I had anything else to add once the merchant refuted the charge? For Bank of America to assume my claim is false just because the merchant responded and said something different speaks volumes on how they really value their customers, and then tell me to fax them some documents and my claim may be reconsidered??? I dont think so. If my account is charged for this amount on XX/XX/2018 I will take legal action against Bank of America and not 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 2018-12-13 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: DE

Complaint narrative:
I getting the run around about correcting a ongoing balance. XXXX  XXXX blames it transunion and transunion blames it on XXXX  XXXX. It is holding me up from buying my home. Loan officer wont let me go further

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 2018-12-13 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I getting the run around about correcting a ongoing balance. XXXX XXXX blames it XXXX and XXXX  blames it on XXXX XXXX. It is holding me up from buying my home. Loan officer wont let me go further

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
The mortage is with Movemement Mort. We began a hardship in XX/XX/2018. We recv. a letter in the mail from the US treasury asking if we needed help. We reached to the State NC that helps with assistance. They referred me a local counseling company ( XXXX in XXXX NC ). We sent all paperwork and spike with via conference call. We made several attempts to contact the company just to get a follow-up, see if they needed any more information. ( once we finally get to speak with someone. They said they not could help because my husband find a job once he lost his other job. 

2. We started reaching out to the Mitigation department ( servicing Company ) Starting in XXXX We spoke with them and gathered all information and faxed to them. 48 pages Never heard from them. We called them back 3 weeks later, They stated that there were pages missing from the fax. The only got 10 pages not the entire 48 pages. ] b. We faxed once again, They stated there was bank statement that had a 2nd page and that we needed to fax again.

c. My husband at this point is concerned that because of what we look like they were at this point playing games. He proceeds to scan the documents in and email. 
d. XX/XX/2018 We both call the Mitigation department because my husband tried several times to make payments but they wont not take money. We spoke with there customer service Representative and first she started the conversation off with, We haven't recv. the information that we requested, but I do see the fax dated XX/XX/2018 and once we started asking about the XXXX fax she started to do a little coughing. It was very interesting conversation. She then stated that she saw the fax and that the young lady that handles mitigation has a not that she only got 3 pages. We have all copies of fax transmissions and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I opened an XXXX XXXX XXXX serviced through Synchrony Bank. I was charged a {$30.00} Security Fee on my first statement. No where on the statement does it explain what this fee is for or the benefits it pays for. When enrolling for this card a month ago, I did not opt in for any security service, nor was I advised there was a mandatory service for this card. I have sent a message to customer service, but wanted to report this as there may be other consumer who are unaware of what they are being charged.

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/18 I tried to put a " Simple Freeze '' on my credit report thru the Equifax Web page. No success. I called customer support & was asked questions about my employment 38 years ago. I have been completely out of debt for 20 years now & I felt as if I was being investigated by the FBI. This is totally ridiculous. Now I question the integrity of the company & feel foolish for giving them all my personal info.! 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I can send copies of the trial payments a little later, I am not home at the moment, My problem,,, I fell behind at seterus mortgage and after talking to them they agreed that if I make 3 trial payments on time my mortgage will be permanently modified. 
Sent in payment 1 and got a letter saying the funds were insufficient and placed in a suspense account, Same day got a letter saying my loan was sold to XXXX XXXX. 
I'm afraid that seterus is using this strategy to negate the lower trial payment agreement and forclose. 
Thanx.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
unlocking my credit removing all statements on my freeze and fraud alerts Experian has failed to honor my request

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 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Do not call letter sent, phone call to stop harrassment, report to credit bureau, report to FL attorney general

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
unlocking my credit removing all statements on my freeze and fraud alerts XXXX has failed to honor my request

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 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have this XXXX phone carrier and i did pay my last bill and i switch to low income phone arranged by XXXX too and they give me new account for some reason their still charging me for the old account that i stop using.. i was allready switch to low income phone bill.. i tried to dispute this to XXXX but they are not working with me and they turn me to the debt collection Company name XXXX XXXX XXXX and this debt collector reported to my XXXX and ruined my credit report.. i need this bad regatory remark to be removed to my XXXX this is the only credit report.. XXXX remove this debt collection to my credit report this new law been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2018 I made a purchase to XXXX for {$5.00}. That transaction was pending on my account. At the time, I had enough money to cover the transaction. On XX/XX/2018, Regions rearranged the order of the transactions which cause me to overdraft my account by {$100.00} in NSF Fees and another {$15.00} for overdraft protection transfer. Regions took the {$150.00} check 1st and then split the XXXX purchase for {$4.00} and {$.00}, taking them second. Please keep in mind, I made one total purchase for {$5.00}. This caused all the fees above. The XXXX transaction should have been processed before the check. My card was used prior to the check coming through.

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 2018-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
Was not aware I was covered under the MLA until I spoke with XXXX  a few weeks ago. I have this installment loan and a credit card with XXXX   XXXX. I sent them all my documentation to show I qualified and they are not honoring it. Charging high interest and fees. My husband died on XXXX XXXX. I was not aware I was protected until recently

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
i received a voicemail for a " law firm '' representing XXXX XXXX. they left me a voicemail advising I contact them back regarding a personal matter. I called back and asked what this call was for. The collector never verified any information other than my name, MRD or mini Miranda. He told me I needed to give him my credit card or banking account information over the phone right now or he would report this {$150.00} bill to my credit report. I never even received a bill from XXXX, never received a phone call regarding a bill from XXXX  directly. when I originally called and spoke to a woman manager at the XXXX XXXX XXXX she advised she would remove my cc off file and i wasn't under any contract. she personally removed my credit card in the system and I never returned to the gym. All of a sudden I'm getting these calls from a agency that I do not believe is right. I would of paid a {$20.00} month bill and canceled had I known they'd charge me {$150.00} after I spoke to a manager and explained I no longer wanted to be a member as I found another gym. I do no want any other threatening voicemails. I contacted XXXX XXXX and he told me to just email the corporate company and pay them if I want to. Had this manager explained the canceling process I would of went to the gym and canceled had I know they would charge me monthly even though I was not active at the gym. They never once sent me a letter or attempted to call me to reactive my account by getting a new credit card on file, due to a rep manually removing my credit card herself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed a late payment in my CHASE AUTO account number XXXX past due in XX/XX/2018, i am not sure how this happened, i believe i made my payment on time when i received my statement, my account is in automatic payment, they did not charge my account on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I was sent three transactions totaling XXXX on my XXXX   app for business. The first transaction went through with no problem the next day and was in my account that morning as was told and expected. The other two which were immediately right after each other to and from the exact same account, one for  {$500.00} and the other for {$700.00} are being held for no reason. Ive ovfered to submit my id for verification, cancel the transactions and everything but they are refusing to give me my money and on top of that the customer service is completely rude and laughs at my distress. Nobody can tell me why I got one but not the other 2 and this is a lot of money. I see now they are being sued by several people for shutting down accounts and keeping funds just because.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
The company failed to provide proof of debt pursuant to the FCRA and the FDCPA after I questioned the validity of a debt. 

The company provided a computer statement which under no circumstance do I accept a Computer Statement as a proof of debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts posted and or reported on a credit report. 

Under the FCRA, unverified, invalid accounts must be removed from all credit reporting agencies. 

The law is very clear as to the Civil liability and the remedy available for the " negligent noncompliance '' ( FCRA Section 617 ) by not complying with this Federal Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
XX/XX/2018 at XXXX XXXX -I called in to get more information about repayment options and to let them know I submitted something online but didn't receive any response but I did get an email about wait for your school to notify us. I was explaining this to the rep XXXX, agent id # XXXX. So people who want to make sure they understand normally repeats what was said or ask for more clarification. I repeated what she said to me to make sure I hear right and her tone immediately changed to that's what I said dummy ( and she actually did say that's what I said ). She also stated that she was going to submit something that would be retro for 60 days until the school updates my enrollment status. In the event that they don't I would have to submit enrollment and since I didn't catch what was supposed submit, I asked and she once again got smart. I politely let her know why I repeat or ask is because I wanted to make sure I heard and understood what she was saying and not to be a jerk about it AND thanked her for submitting the paper work. Not I'm not so she submitted it since I have not received any confirmation. I also see online that nothing was done and my payment looks to be doubled.

Company response to consumer: Closed with explanation