vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-27 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am a victim of negative inquiries. I have six negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following six to be removed from my credit report please : XXXX XXXX, 2017 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am a victim of negative inquiries. I have six negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following six to be removed from my credit report please :XX/XX/XXXXXXXX XXXX 2017 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Creidt Collection Services says I have debt with XXXX XXXX. 
. However all payments were made to the insurance company when the policy was active, and upon termination of the policy the XXXX XXXX issued a refund.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
They constantly call my phone back to back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Filed dispute with Experian in writing that account in my file name XXXX XXXX XXXX did not provide contract with my authentic signature. Advised Experian to provide XXXX XXXX XXXX contract with my authentic signature. Never heard from Experian. I do not want this account verified. I want the signed contract with my authentic signature.

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 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: E-Backgroundchecks.com, Inc.
State: MI

Complaint narrative:
XXXX XXXX HOSPITAL DOES NOT HAVE CONSUMER 's Consent to order report, and did not have it on X/XX/2016 when they requested report # XXXX. 

Consumer has never domiciled in XXXX, North Carolina. Consumer has never visited XXXX, North Carolina. Consumer has never been served with or seen any verifiable proof of claim in connection with criminal hit by North Carolina Statewide Records. Consumer declares that this is an inaccurate report. report id # XXXX and # XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Affiliated Group, Inc
State: IL

Complaint narrative:
I did not know what to properly put this under. I have a case of Double Jeopardy being reported by a collection agency utilizing different names for different Credit Reporting Agencies. The affiliated group allegedly states they are the same company as XXXX although they are reporting as different companies on two my credit reports. 
On my XXXX report XXXX collect is reporting with an amount and on my XXXX report XXXX credit is reporting for the same amount. By paying the debt to either one I leave myself vulnerable to have to pay the debt again since the reporting is different on my XXXX report and my XXXX report, and these companies are not reporting the debt type information with each credit agency which if debt type was listed as medical it would not have a dramatic affect on my score. I feel this is a manipulative tactic to report under two different names it looks like I owe multiple accounts with the same amount. 
Also by reporting the exact name of the medical facility my HIPPA rights have been violated. The debt should have been reported a medical debt not individual debt. 
I am unable to locate in documentation from either company in reference to verifying this debt. 

XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX - {$190.00} Original creditor : XXXX XXXX XXXX XXXX Overview Balance {$190.00} Highest Balance {$190.00} Opened XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Reporting The Affiliated Group Opened XXXX XXXX, XXXX - {$190.00} Original creditor : XXXX XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. 
Balance {$190.00} Highest Balance {$190.00} Opened XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXXXXXX Creditor Information THE AFFILIATED GROUP XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-28 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: FL

Complaint narrative:
Experian credit reporting agency is knowingly reporting fraudulent items I have sent experian credit reporting agency all documents in order for them to remove such items. The furnisher of the information has provided to documents to experian yet experian is reporting fraudulent items.

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 2017-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC violates the opt-out prescreened credit offer. 
I have already opted out but still received the XXXX prescreened credit offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter form the mortgage company denying mortgage assistance, I have filed a chapter XXXX bankruptcy and is unable to keep making chapter XXXX payments in order to keep my home, the letter is dated XXXX XXXX denying me mortgage assistance, they have stated the reason for the denial is due to my getting several modifications and have reach my limit, that statement is not true. I only remember receiving XXXX modification. I have applied for help from XXXX and based on the Government guideline of eminent Default criteria, we qualify, my husband and myself are both XXXX, my husband  has had XXXX XXXX, in the past 10 years and now he is XXXX XXXX, I have XXXX and XXXX and XXXX problems, and is also XXXX XXXX. Please help us keep our home, we no we owe the debt so we are just trying to get a modification because now our income is stable, and we just need to get our mortgage modified, the company is discriminating against us. Life happens and we need your help to help us uphold the law that states we qualify, we could not help our currant situation the dollar amount of the back pay is $ 67,853.42.Thank you XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all 3 credit reports on or around XXXX XXXX, XXXX and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below. 

FCRA Section 611 ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).

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 2017-10-28 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Hello, I contacted Chase this evening to request extension of XXXX XXXX XXXX XXXX XXXX XXXX entitlements to my Chase XXXX XXXX credit card which was opened in XXXX XXXX. I was on XXXX XXXX when the account was opening and remain on XXXX XXXX. Chase informed me that they 're only extending XXXX benefits to accounts that were opened after XXXX XXXX, XXXX, and not existing accounts. 

Reading through the text of the actual law, there 's a compliance deadline of XXXX XXXX, XXXX, but no distinction regarding the applicability of benefits to an account opened before or after this date. Eligibility, which I meet and which can be easily verified via the XXXX website, is all that matters. 

Please confirm that I 'm understanding the rule correctly. If correct, request your assistant in ensuring that Chase complies these requirements. 

Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
In early XXXX I recceived a XXXX loan of {$250.00} and was to pay it back in 2 weeks. The day it was due in midXXXX I was not able to pay it back. After the due date I spoke with the XXXX Mgr, XXXX at the XXXX Store and explained the problem why I could not pay yet and I hope to pay soon. XXXX, XXXX Mgr. said to keep in touch. Unknown to me when talking to her the XXXX store had been calling my employer. Sometimes the XXXX lender would call my employer and hang up just enough to annoy my employer. I finally got reprimanded and am looking for another job. The company is XXXX XXXX XXXX of California. I think this action is unfair. They contacted my employer and references within a week of being late on the payment.

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 2017-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OR

Complaint narrative:
I had a problem with US Bank two months ago when they failed to apply my payment that got there on time, but they did not post it for a day. They lied! I called and told them to close my account. Last month they did not send my XXXX statement out until very late in the month, I did n't receive it until XXXX, but they did not change the due date. That allowed less than a full week to get it back to them on time because the XXXX was XXXX day and they were closed. I still got it there by XXXX. They acknowledge the receipt of the payment on XXXX, but they did not post it until XXXX, the due date. On the same day as it was due, before they posted my payment they charged me for a {$27.00} late fee, then they posted my payment. They purposely held my check until the XXXX, but they still tried to charge me a late fee! A dirty little trick, by a dirty little bank. I think they are trying to out XXXX XXXX XXXX for the leader of XXXX little tricks committed by a XXXX little  bank!

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 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all 3 credit reports on or around XX/XX/2017 and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below.

FCRA Section 611 ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all XXXX credit reports on or around XXXX XXXX, XXXX and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below. 

FCRA XXXX XXXX ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph XXXX XXXX XXXX, the information XXXX not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

XXXX ii XXXX Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).

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 2017-10-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX is not correcting inaccurate information on my statements. A supervisor previously acknowledged there was an issue, but they now they deny there is a problem. I entered the information provided in statements in a spread sheet. It is attached. Notice that the amount I am supposed to pay each month for easy payment promotional purchases is not the actual amount applied to each item. I have been making at least the minimum payments every month. I can not balance my account until the issue is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCC Finance, LLC
State: MI

Complaint narrative:
Your agencys failure to rebut, address, answer or respond to Conditional Acceptance Upon Bona Fide Proof of Claim, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created Default Judgment and Declaratory Judgment of the facts stated herein being true. Your agencys failure to rebut, address, answer or respond to Default Judgment and Declaratory Judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created Summary Judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, of the facts stated herein being true. Further failure to rebut or continued acquiesce, failure to address, answer or respond, stand as a Final judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, with prejudice of the facts in this matter stated herein and will and shall stand XXXX XXXX, under full faith and credit in any and all courts in the land from beginning of this matter, XXXX XXXX, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation