vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Approximately XX/XX/XXXX 16 I spoke with a representative of Chase Business credit cards and asked if my business could not keep up with the payments would it show up on my personnel credit report? 
The representative said that it would not go on my personnel credit report but on the business as it was a business card but I would still be responsible for paying the balance. I said I under stood. and accepted the card. 

I spoke with the credit reporting group at Chase, their response was that they did not care what the representative said that they would not work with me to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: ME

Complaint narrative:
I was in the process of refinancing a loan with Better Mortgage loan officer NMLS ID  XXXX. I had gone through all the steps to refinance my mortgage and was conditionally approved, after jumping through numerous hoops literally just formalities remained. They withdrew my loan with no notification!!! 

I was told several times that my loan was on track only to have new conditions added after every conversation, conditions which should have been either unnecessary or apparent upfront. 

In the end they stole my appraisal money and sent me an email saying that they wont transfer the appraisal to a new lender ... and if I want to refinance with them then I need to start the loan process all over again. 

Aside from being frustrated by their lack of communication, I'm upset that they took my appraisal fee and I have nothing to show for it. The fact that the loan didn't close was caused by their poor process and communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington national bank was a horrible process just to get the loan an even after has been horrid me since To get an fha loan you have to have insurance well I went ahead an call Huntington an said Ill take their insurance low an behold a year later went to make a claim so I called Huntington to see who to talk to about the claim and was told XXXX well I called XXXX an was told no policy was in place so I called Huntington back and they said oh ok its XXXX heres a policy number Well XXXX  said no policy was in place so once I told Huntington that they forced placed insurance that was XXXX $ more a year an XXXX on me because of their mistake so now a year after that I get a letter sayin Im gon na owe XXXX $ for more force placed insurance from before I made the claim in my eyes Huntington did not have all the requirements for the loan ( insurance ) an my loan should be terminated at their expense I want out of my loan out of the house an no percussions from their mess up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
I activated and registered a prepaid XXXX card. I used it fully within terms of service and decided at one point to cash advance the card. As a result, my card was placed in  'spenddown mode ' from this transaction, meaning that XXXX/Incomm changed the nature of my account to only work for credit or debit purchases. As a result, I am stuck with {$2000.00} in funds that I do not wish to 'spend down '. I want to have cash access to this amount, and am unable to because of this change made to my account. It will unnecessarily burden me to spend it down, since this card charges {$0.00} per transaction. 

The card was changed to spenddown mode on either XX/XX/2019 or XX/XX/2019. I have no receipts because this change was not a transaction. The action was confirmed to me over the phone on XX/XX/2019. There is no way to access my account online because of the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Someone has Fraudulently used my information to receive medical assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Funding LLC This garnishment was taken from my check XX/XX/XXXX until XX/XX/XXXX. I was never properly informed or served of the court and of course Midland Funding received their default judgement. They actually filed twice once in XX/XX/XXXX and they other inXX/XX/XXXXnever once received a notice of hearing or documents of trying to serve me court documents. I was taken completely by surprise of this garnishment, also they served an expired writ to my employer and my employer still honored it. I requested the satisfaction of judgement and they are refusing to give it to me now saying that I owe additional monies. As I have attached the writ for garnishment has been satisfied as of XX/XX/XXXX and I just received a letter from treasury stating that they are keeping my taxes  because this garnishment has not been satisfied. I have called and requested in writing and they are still refusing. This was a fraudulent account opened in my name under my social and yet I still paid the garnishment, and now they are trying to siphon more from me. I have tried contacting the XXXX district court and they said the account has been disposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
contacted this company to freeze consumer file, they say they can not due so If they are govern by the FRCA they are required to do so, spoke with them XX/XX/19 @ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN

Complaint narrative:
Simmons Bank is reporting an account as adverse against my credit file which has caused a drop in my XXXXredit score of almost 100 points. The account shows over 30 days past due and it has never been late. I have contacted the creditor numerous times and they agree that the account was never 30 days past due and should be updated. However, the account has not been updated on my credit report and my credit score is still affected. I have disputed this item with XXXX XXXX and the creditor will still not update the account. I have emails from the creditor stating they agree with me and the account should be updated to show it has NOT been 30 days past due. I have also given a copy of my credit report to the creditor to show them the incorrect information is still being reported and nothing has been done. I need to get this account corrected. I have been working on this since XX/XX/2019.

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 2019-08-06 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: TX

Complaint narrative:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Time-Barred Debts ( OLD DEBT ) If you have old debts, collectors may not be able to sue you to collect on them. That's because debt collectors have a limited number of years known as the statute of limitations to sue you to collect. After that, your unpaid debts are considered " time-barred. '' According to the law, a debt collector can not sue you for not paying a debt that's time-barred. 

I have WINN LAW GROUP collecting on it from my paycheck. 
I assume financial responsibility raising a family and supporting 100 % my permanent XXXX Mother for 4 years now. 

I cant afford such cut back of wages putting my daughter, wife and mother at risk of losing everything. Rime-Barred Debt is illegal to collect on by the FDCPA and the FTC. 

Amount of 25 % of my paycheck is going to a debt which became a tax write off for the bank and a profit for WINN LAW GROUP buying it pennies on a dollar. 

Total debt WINN LAW GROUP wants to collect of {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: FL

Complaint narrative:
On or about XX/XX/2019 XXXX internet made an error by ordering an unauthorized hard inquiry credit report from Equifax. Once they realized they made a mistake, they issued a correction to Equifax and I have the confirmation that Equifax received it. please see attached, however, Equifax keeps denying receiving such documents and refusing to correct the reporting. 

Equifax was contacted by me several times and I received nothing but terrible service due to the fact their customer service is in a foreign country and very hard to understand

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: TX

Complaint narrative:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

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 2019-08-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX account number XXXX for {$18000.00} did not provide any sign contract or anything bearing my signaute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX is reporting an account as adverse against my credit file which has caused a drop in my credit score of almost 100 points. The account shows over 30 days past due and it has never been late. I have contacted the creditor numerous times and they agree that the account was never 30 days past due and should be updated. However, the account has not been updated on my credit report and my credit score is still affected. I have disputed this item with Trans Union and the creditor will still not update the account. I have emails from the creditor stating they agree with me and the account should be updated to show it has NOT been 30 days past due. I have also given a copy of my credit report to the creditor to show them the incorrect information is still being reported and nothing has been done. I need to get this account corrected. I have been working on this since XX/XX/2019.

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 2019-08-06 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: Scott Fetzer Financial Group Inc.
State: IL

Complaint narrative:
I contacted United Consumer Finance Service when I noticed that they were reporting that we owed a balance of XXXX on an account that was never late and paid off in 2017. I was able to speak with a representative ( XXXX ext XXXX ) and she stated that they never ran the final payment, however no one notified us. I paid the XXXX and was advised that they would submit the documentation to remove from the credit report. That was over a month ago and every time I call to follow-up she is either not at work or not available. I spoke with a yound man 2 weeks ago that advised me that XXXX did submit to the credit bureaus to have the account removed but it is still reflecting on my credit report as a delinquient account. 

I even opened a dispute with the credit bureaus and the account is still there.

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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received communication from XXXX XXXX, XXXX and XXXX XXXX notifying me of recent unauthorized credit inquiries. These inquiries occurred mostly from XXXX XXXX from multiple agencies. I am concerned as I feel an unscrupulous automobile dealer has done this. Please remove these inquiries. 

Companies noted with unauthorized inquiries include : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX AXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Additionally, I did not authorize the following credit inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX

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 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I called XXXX ( XXXX ) to stop my service that I had for over 16 years. The constant " phantom '' charges, deceptive practices, and most recently from the imposed data limit and unrealistic data overage charges. The customer service representative I spoke to on XX/XX/XXXX communicated to me that my bills were paid and I did not owe any additional money to XXXX. 

Months went by. I received a collection notice from Credit Collection Services inXX/XX/XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX ; ( XXXX ) XXXX ) Stating that I still owed XXXX {$220.00}. I called XXXX and told them that I did not owe them any money since I stopped my service and had not incurred any additional fees since my cutoff date. 

They said that I still owed them money. I told them that the XXXX customer service rep stated I was completely paid up. I told them to go look up the call on the XX/XX/XXXX ( since they record them ) and that they would find out that I was telling the truth. They said that didn't have access to the call information. Apparently they had been billing me over the last few months but I never received any statements since I was on paperless billing. In addition I was no longer a XXXX customer I did not have any reason to check my XXXX email address where the bills were getting sent. I could not reason with them. 

A few more months went by and I applied for a loan and the unpaid debt whihc was sent to collection severely ruined my credit score. I called the Credit Collection Services company and spoke to several people. I wanted to pay the debt but not before getting the collection account removed from my credit account. They said they could not do that. 

I called XXXX again and spoke to several people and finally got to a woman named XXXX. She told my that XXXX could not remove the collection from my account. I knew that to be untrue so I asked to speak to someone else. She said there was no one else in the office and that I would receive a call back. Of course I never did. 

I finally called XXXX and took care of the debt. They said they could not remove the collection from my account but that I can start a dispute claim with the credit reporting companies. I hope to do that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Letter received from XXXX XXXX on XX/XX/2019 for collection of debt of {$71.00}. 
Contacted paypal on XX/XX/2019 Paypal confirmed that the account is not in my name or associated with my email address. 
Contacted XXXX XXXX  on XX/XX/2019 and informed them that the account was not generated by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RFNA, LP
State: MS

Complaint narrative:
Republic Finance keeps calling my work cell phone even though I have asked them not to contact me at work. I have provided my personal phone number for these calls. Somehow they make the caller ID show that it is my place of employment calling rather than Republic Finance. This has happened at least 2 times and I have asked them not to do this as they are misrepresenting themselves when they attempt to contact me. I was told that they can attempt to contact me in any way since I owe them money. Is this correct? Are they allowed to make the phone call appear to be coming my from my employer 's office rather than Republic Finance?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I asked that my mortgage be reported to proper credit agency. If I am making my mortgage payments on and before time, I deserve to have them reported. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover card advertized promotional rates and I applied. Got approved for {$4500.00} credit line. They run my credit which is excellent. I got email " congratulations, you card is in the mail '', than I received completely fraudulent request for my tax returns release from XXXX. I called Discover and they explained that they just implemented brand new policy of requesting tax reutrns AFTER they approve credit card. This policy is complete fraud. After all those security breaches at XXXX, XXXX, Credit Card acompanies and banks, you got to be completely insane to release your taxes to them. 
Most importantly, Discover DID NOT DSCLOSE PRIOR TO applying and running my hard credit check that they will be requiring my tax returns release. if they had disclosed prior to taking my application that they have new policy of requesting release of consumer 's tax returns thru recently hacked Equifax, I would have never applied. I requested they remove the credit check from my credit reports and they refused. I beleive this practice is FRAUDULENT.

Company response to consumer: Closed with explanation