vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-22 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: IL

Complaint narrative:
The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents

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 2017-12-22 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: Colony Brands, Inc.
State: IL

Complaint narrative:
They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA

Company response to consumer: Untimely response
Consumer complaint received 2017-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase bank would not accept payment by credit or debit card for an overdrafted checking account, and refused to close the account until money was either sent or transferred. Meanwhile, negative debt was accruing due to fees, so the amount of money transferred was never enough due to accrueing debt from vendors mistakenly trying to debit the account despite being told not not, and chases own penalties for negative accounts. I have been trying to close this account for a month. Chase told me to go to a branch ( I have moved to a state with no chase branches ), or to transfer extra money which they will refund later. Neither is acceptable. I have credit and debit cards and money and wish to close my account but they refuse to accept payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-22 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: TX

Complaint narrative:
In XXXX XXXX I called Kohl 's to make my monthly payment, decided to pay 2 seperate pymnt in order to pay 1 month in advance.I had no idea when fraud occurred & credit union cancelled my card that Kohls pymnts were not paid. No NSF fees, trying to recover cash, contact all auto-debitors, finding unknown SS #, addresses, employment, credit inquiries, attempts to finance a vehicle and more connected to my credit report ... what i later found to be Kohls recorded messages in my vmail sound like telemarketing, incomplete, started with 2 min white noise, cut off with incomplete info & was unsure who called. They reported me dropping my credit score 42 pts overnight.I was in 1st stages of home equity loan to upgrade my home, this ruined all arrangements for that.I spent hours, days, made over 40 calls to Kohls/XXXX, Corporate promised me a callback in 10 min, after visiting a store manager asking him to please call in order to attempt getting someone to help me, they never called.He was embarrassed for corporate. I tried everything, I explained the fraud, offered credit union statements, proof no NFS fees, you name it and they referred me time and time again to XXXX who referred me back to Kohls. Started on XXXX XXXX and it is XXXX XXXX, no one has ever responded to my calls, emails, requests for help, complaints, nothing but a runaround from a huge chain that never sent a letter about my missed payment, never responded to my many emails or phone calls, but manages to blow up my email daily with duplicate " offers '' in an attempt to entice me to spending more money. They make sure they have the resources for marketing while leaving long time customers hanging in the wind with no answers or assistance of any type. Paying them off income tax time and destroying the card which I have not used in months.Bottom line, Kohls did not make a effort to contact me about the payment via email, phone or mail other than a poor recorded call that lacks required contact information. In the end, I was promised help the never came, a phone call from the gentleman at Corporate that oversees accounts who I was told is unable to accept phone calls in his office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: OH

Complaint narrative:
I have asked Transunion several times to correct/ remove the XXXX collection account on my credit report from XXXX. I paid this in full at XXXX at the time it was being sent to a collection department. it is listed incorrectly, as no other credit reporting place has it listed as a charge/off. They have not fixed the issue, just says that it is disputed by consumer.

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 2017-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: RI

Complaint narrative:
I refinanced with Ditech to make my mortgage affordable. My payment was reduced to about {$1100.00} a month on or about XX/XX/XXXX. Shortly after I was notified that I had an Escrow surplus due to insurance or taxes in the amount of {$1200.00} or so and subsequently a check was mailed to me. To be sure I would not have to repay at a later date due to a mistake on the part of Ditech, I called and was 100 % assured that there was no mistake and that I would not have to be concerned with repayment at a later date due to any mistakes, etc.

In XX/XX/XXXX, without a notice, my escrow and subsequently my mortgage payment increased to {$1200.00}, about {$120.00} a month increase. I tried to rectify this with Ditech, citing it as a bank error. Ditech 's reply was that they are bound by law to send an escrow surplus to the borrower and that I just have to pay it back over a 12 month period.

1. I was not notified of the increase. Auto draft just appeared in my bank account.

2. I have paid the amount of {$1200.00} in protest and have discussed it with Ditech.

3. Ditech will not absorb the amount in light of this situation My question is can a mortgage company do this? Because it is a hardship to pay {$120.00} additional/month I have requested that the amount, after paying 2 months thus far in the amount of {$1200.00}, that the remaining amount be stretched out into 36 payments to make it affordable. That has not been decided yet, but will be in 3 to 5 business days from now, XX/XX/XXXX. I am asking for this payment arrangement, but I still want to know if I have a legal leg to stand on. At the very least Ditech should be bound to explaining this when handing out a surplus check so that the borrower has the option to put the check aside while waiting to see if it actually a surplus. And second, at the very least Ditech should have the common decentcy to notify a borrower when they are increasing a mortgage payment {$120.00} a month. They did not. If the lending laws are on the side of Ditech, it is a shame. I did everything in good faith, including calling them to make sure the escrow surplus check was mine to keep, and was assured it was. I consider this a bank error. But I am not familiar with such laws governing this situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-22 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: IL

Complaint narrative:
They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA

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 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX XXXX XXXX XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX XXXX XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for tis account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: I.C. System, Inc.
State: OH

Complaint narrative:
IC Systems has put a negative mark on my credit report I dont recognize. XX/XX/XXXX I went to the website and reported this and I have not had no response and it still on my credit 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 2017-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans union continues to verify several debt as accurate with out providing proof such as a sign credit appl, load prepayment agreement or loan documention and have fail to comply with the federal FCRA

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 2017-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery Associates, XXXX, {$4900.00}. I have sent Portfolio Recovery Associates, XXXX several debt validation and Portfolio Recovery Associates, XXXX has not responded. Portfolio Recovery Associates, XXXX has alos reported this collection to all 3 of my credit reports. I have no knowledge of this collection

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Submitted Dispute on credit report, incorrect reporting on accounts ( ie, collection item, which evidence from Insurance Company, was provided showing Im not liable for ) and personal information and outdated items on XX/XX/XXXX via Transunion Dispute webpage, on XX/XX/XXXX via fax and XX/XX/XXXX via Transunion Dispute webpage. No confirmation and no evidence has been provided that items have been removed, inquiries have not evidence that it was me requesting the cred and most recently, after a credit freeze was requested after the theft of my wallet on XXXX/XXXX/XXXX new inquiries have appear, which I have not requested.

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 2017-12-22 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: IL

Complaint narrative:
Equifax removed several accounts but XXXX refused to. XXXX just verified the debt again with no proof and they just reappeared on Equifax with out proof again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am filing with the CFPB to preserve a written record per my attorney 's advice. 

On XXXX XXXX, XXXX, I called American Express concerning Fraud charges and payments on my American Express card. Asked for my credit card account to be blocked due to fraud. The call was taking long and I had to get to the hospital for a personal issue. I informed the representative I would call back later that day ( XXXX ) to complete the fraud claim. 
I attempted to call later that day several times. Holds were over 5 minutes. Maybe I am impatient, but I will not hold longer than 5 minutes. 
I went online and used American Expresses CHAT. This took over an hour including losing the connection or being disconnected at least 3 times and each time I would have to re-summarize the events. I informed American Express all charges and payments from XXXX through XXXX XXXX are unauthorized with the exception of a couple auto payments to : 1. XXXX XXXX for {$140.00} and XXXX for {$150.00}. XXXX and 2. XXXX XXXX XXXX for # XXXX and XXXX for {$47.00} were fraud. Every other transaction for those days are fraud. I also informed American Express I did not have the card and it could have been taken or lost and then found by someone anytime between XXXX and XXXX. 

I am most concerned with 2 things : 1. Why American Express 's security system did not identify fraud and alert me. I rarely make online payments, except in an emergency all my payments are by USPS mail. And I have never made payments on consecutive days. This should have set off an ALERT! 

2. The payment on XXXX for {$2300.00}, that was actually deducted from my checking account. My wife and I are retired, she has serious medical issues that require expensive XXXX and I have recently been diagnosed with XXXX. ( not sure how much my medical expenses will be. Our medical insurance typically enters the '' doughnut '' phase forcing me to pay thousands for life saving XXXX. 

When I informed the Chat representative he/she wanted me to call for a payment reversal. I tried the XXXX number but Again, i will not wait on holds for extended time and I prefer all correspondence in writing. 

My fraud claim is already in, but considering the {$2300.00} currently taken out of my checking account I want to make sure the request for a payment reversal on that specific transaction is clear and documented. I did not make the payment on XXXX XXXX, XXXX for {$2300.00} and I did not authorize anyone else to do so. I am asking American Express to Please do a payment reversal and provide me with results of the investigation that would help me understand how my checking account was accessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-22 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:
Equifax security breach cause some unknown item on my report sent the po report to XXXX and XXXX cant pull equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I recently charged {$1.00} for a subscription service through XXXX. XXXX is linked to my checking and savings through PNC bank. While I meant to charge my checking, somehow my savings was charged. I do not keep anything in this savings account because I bank elsewhere. The {$1.00} charge caused an overdraft and a {$36.00} fee, of which I was unaware until five days later. By the time I was made aware, another {$36.00} fee had compounded on top of this. It is outrageous to expect me to pay {$72.00} over a {$1.00} incidental charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX and the affiliate company Halsted Financial is continuing to attempt to illegal collect on a unverified debt and use illegal practices. XXXX has Halsted call numerous times a day from a unknown number, when you pick up the caller does not answer, instead you have to call them back, when calling back and asking who the number belongs to, they refuse to answer, only saying we will get to that later repeatedly asking who is the caller they refuse to identify themselves until they collect skiptracing information such as phone number, address, ssn, ect. They also call prior to XXXX and claim that they can call you becuase the companies location it is later, regardless of the time zone you live in. They then threaten litigation on a debt pass the SOL that they know can not be litigated on. The following day, more of the same. Calls to XXXX do not solve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: First Data Corporation
State: GA

Complaint narrative:
I am paid through my employer through a XXXX  XXXX card. Last week they placed a hold on my account because they claimed I requested an upgrade on my account. I did not. On Tuesday they requested additional documentation to verify my identify which I provided to them on Tuesday. My account is still locked up on Friday, XXXX XXXX, XXXX and they will not unlock my account until the XXXX. This is a XXXX XXXX hold and request and despite numerous calls to the agency they keep telling me that I will be unable to access my funds. I am stuck at school ( XXXX georgia ) and can not get home for the holidays due to their placing a hold. I have called First Data Corporation the parent company of Money Network and each time they tell me it will be between 24-48 hours. I forwarded the information on XXXX XXXX, at XXXX. As of this time it has been 72 hours since providing the information. Their claim is they are waiting for an update. I can not go home and I have been removed from my dorm and am sleeping in my car awaiting their release of my funds.

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 2017-12-22 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:
Equifax in violation of my cra showing a late payment never late with XXXX trans has fixed it but Equifax has not

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed him that XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for this account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account he pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX

Company response to consumer: Closed with non-monetary relief