vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I canceled my account with XXXXXXXX in XX/XX/XXXX( at the request of XXXX ) because I was doing long term work in XXXX, Ak. XXXX advised me that they did not service Alaska and the roaming would be too high for them so I complied and canceled my phone service ( 2 lines ). I changed cell phone companies ( at the request of XXXX ) but XXXX continued service and billing on one of the phone lines that I canceled. So, I followed up with a call to XXXX customer service in XX/XX/XXXX to ensure they cancelled both unused lines and I would not be getting billed for them. The representative at the time informed me that 1 line was still active but assured me she would cancel and take care of all lines and charges. In XX/XX/XXXX, I recieved another bill, I called and went through the same process with XXXX customer care. Again, the representative confirmed in my account notes that the lines should have been canceled. The matter was not resolved until XX/XX/XXXX when I recieved another bill for the unused second line of the account that had been closed for over a year. Again I called and spent 1 hour +23 minutes on the phone with XXXX customer service and their manager XXXX while they poured over their notes and finally apologized for the inconvienience and reversed the charges and ensured the account was closed. In XX/XX/XXXX I recieved yet another bill! This time for {$43.00} for an account set up fee. Obviously, I don't have an account so I clearly did not authorize any fees. I contacted XXXX today via live chat to contest the false charges. The online representative XXXX XXXX was unable to help me because she showed the account in fact closed but with a new set up fee. She told me to call customer service so they could help me. I have been extremely diligent in trying to resolve the inacurate billing XXXX has charged me. At this point, I feel like they are intentionally adding fees and continued unauthorized billing in a predatory manner. It is my assertion that XXXX is trying to extract money from customers who don't have to time or resources to contest false billing. Please investigate XXXX 's billing practices. Furthermore, since XX/XX/XXXX XXXX forwarded this nonsense to a collection agency. XXXX XXXX. I went through several step with them as well as the 3 collection agencies and resolved the issue with all parties except Equifax. Equifax continues to report this false charge and their customer service representatives are very difficult to communicate with. Also, 3 of the 5 times I called Equifax  through this nightmare, they couldn't help me because their system was down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I attempted to open a checking account with Chase bank today, XX/XX/XXXX. I got a declination letter stating that there was something on my consumer credit report stopping Chase from granting me an account. Let me also mention that Chase is the holder of my automobile loan, originated XX/XX/XXXX. I was given the number to XXXX to contact them with questions. I called XXXX and was told that they can not tell me what is causing the bank to decline my application. They offered to mail a credit report. I then called Chase to see what is causing the application to be declined. They were very accusatory and told me that I needed to contact the credit bureau, which I had already done before calling them. I also went into a Chase bank branch, where I was also not told anything. How is it that neither agency knows anything, but has all of my information? Why do I have to provide all of my information to XXXX to prove my identity, but they give me absolutely no information. As a consumer, this is a horrible experience and leads me to believe that there is fraud on the account. No one will tell me anything when it comes to my credit and I am very upset. My credit score is between XXXX. I monitor my credit weekly, so I felt that I was clear on what was reporting on my credit. Why do we trust the credit reporting agencies if they are not here to help us? I am begging for help to find out what is going on and I'm just being told to review the credit report and dispute anything that is incorrect. But I don't even know what I am disputing. I am furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: MN

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
on or about XX/XX/2018 we received a phone call from Freedom Mortgage offering us a modification for our present home loan. Due to the Storm activity in this area of Florida, Freedom solicited us for our acceptance of their modification product. We discussed their offer and agreed to accept only if they assured us that there would be no penalty imposed upon us such as increasing our present Interest Rate which is 3.5 percent. It was clearly discussed and agreed that there would be no penalty imposed upon us. After the modification period had ended and terms of accepting the modification were satisfied, to our Shock ... Freedom Mortgage informed us that we must now have an increase of a 4.875 Interest Rate imposed on our loan. This is not fair, not what was agreed to, unjustified and without integrity.

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 2018-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
THE COMPANY IS USING CALLER ID SPOOFING TO TRY AND MASK THE NUMBER. I HAVE TOLD THEM TO STOP CALLING ME NON STOP, THEY CALL FROM THE SAME 3 SPOOFED NUMBERS 3 OR MORE TIMES A DAY. THE FIRST FEW TIMES I MISSED CALLS AND WHEN I CALL BACK SOMEONE ANSWERS AND SAYS THEY NEVER CALLED ME SO I FINALLY ANSWERED TO GATHER INFORMATION ABOUT WHO IS CALLING ME NON STOP WHILE I AM WORK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: KY

Complaint narrative:
I notified equifax of three unknown accounts on my report about 2 months ago. The sent an email response that said the investigation was complete about a week later and asked me to go to their website to check it out. I can not get into their site anymore. It asks security questions I have no idea what the answers could be, about addresses and car loan and such. As far as I can tell by using XXXX XXXX, they ignored my problem because the three erroneous accounts are still showing and then they locked me out of their website. These accounts appear to be for medical bills in a state where I have never lived for things I have no problem with ... XXXX  ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a purchase on XXXX  for a game console. When I checked out, it told me I could make the payment with XXXX, a money transferring service that you could make through your bank. I made my payment through my Chase banking app for {$200.00} to the websites email. 

I received a confirmation email from the company, but the next day, their website was gone. I knew I got scammed. On XX/XX/XXXX, I called Chase customer service and was transferred to their claims department. I told them as much information as I could and they informed me that they would be contacting me through email, and the process should take around 10 business day. 

Its XX/XX/XXXX and I received no communications from them. I gave the claims department a call and they told me basically the same thing and that there were no updates. I expressed my concerns to the women whom I was on the phone with. I was aware and appreciative that they were doing everything they could but I also was very adamant with getting my money back, considering I used their service. She told me there was no guarantee that I would get my money back and XXXX does not have buyer protection. ( I wish I knew that! ) She rudely said to me, we did OUR job and you did authorize the transaction. Yes I did authorize the transaction expecting a product in return. Its clear that they dont want to deal with it though and all I was told was to keep calling back for updates. I learned my lesson but I really wish Chase would protect their customers when using their services. That didnt seem fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: CO

Complaint narrative:
I have repeatedly disputed erroneous information on my Equifax credit report that has adversely affected me and my credit worthiness. XXXX XXXX XXXX has re-inserted an account that was previously deleted by Equifax due to a prior investigation. This re-insertion was not only done without notification to me, but also is riddled with errors and inaccurate information. I have disputed previously with Equifax and the CFPB directly, which has still not resulted in acceptable resolution. Equifax is in clear violation of the FCRA and the CFPB has not been effective in resolving this ongoing issue. 

The entry on my report for XXXX XXXX XXXX ( XXXX ) has the following issues with their reporting : 1. Clear  violation of re-insertion guidelines after deletion from a previous dispute and no written notification to the consumer 2.  Creditor classification is listed as Banking - XXXX is not a bank and this is inaccurate - should be removed immediately 3. No original creditor listed on this account - how is it even possible that XXXX is verifying this information and it's accuracy with the original creditor then? 
4. Type of Account - Open - this is completely inaccurate and should be deleted. I don't have an open account with XXXX 5.  Date Major Delinquency First reported is listed as XX/XX/2018, yet last payment is listed as XX/XX/2018 ( with a {$0.00} balance ). How is this possible and why is XXXX verifying this inaccurate information? 
6. Why is this account reporting a High Credit amount of {$690.00}? I don't have a credit account that would justify reporting this information from XXXX! 
7. Account status is listed as Collection account but is not listed on my credit report in the collection account section. This erroneous information should be deleted. 
8. Additional information entry also lists this account as a Paid Collection but it does not appear as a collection account per Equifax 's own reporting. This should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 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: FL

Complaint narrative:
i have attached documents from XXXX XXXX and XXXX XXXX detailing my situation. 
also i enclosed my letter detailing my complaint. 
i paid off my XXXX XXXX account on XX/XX/XXXX. 
in XX/XX/XXXX XXXX XXXX they report to experian a charge off of the remaining balance. 
there can not be a charge off as there was a XXXX balance this bogus charge off is preventing my wife and i from getting a mortgage

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 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Ref Regions Unauthorized Transactions Claim # XXXX. On Saturday XX/XX/2018 we discovered fraudulent purchases on our checking account that was made through a debit card. We cancelled the card ASAP and reported the fraud. We were advised to go in and file a complaint when all items had posted. My wife went to regions in XXXX Al on Tuesday XX/XX/XXXX. She spoke with XXXX XXXX and gave him a list of items that were on our account that we had not purchased. 4 of the 8 items  were in regard to play station. Upon completion of Regions claim my wife saw an additional charge that was added to the list that was a legitimate purchase for our son ( XXXX ) on his play station account. My wife advised XXXX XXXX 2 times that purchase was not a fraudulent purchase. He said that it needed to stay on the claim. My wife went back into the bank again within in 30 minutes and again advised she wanted that removed from the claim and was advised it could not be removed. Therefore XXXX XXXX has made a fraudulent claim after being advised 3 times of the truth. We have made multiple attempts to correct and resolve this matter and can not get any clarification or written proof that this has been corrected. I have been hung up on when discussing this with corporate. We just want it to be documented that the charge on XX/XX/2018 is a charge that we made and we owe. We also do not want the fraud investigation to be held up or overturned because of a fraudulent claim by XXXX 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 monetary relief
Consumer complaint received 2018-10-17 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: MN

Complaint narrative:
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX  XXXX for months.XXXX and XXXX   have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I closed an account with TCF in XXXX of this year and recently had a check from XXXX XXXX be deposited in the account in XXXX. If the account is closed and I have no business with TCF how can a check that was deposited into a non existing account be possessed by an institution I have cut ties with. I did still have TCF as a Direct Deposit option for the XXXX XXXX. I contacted the XXXX XXXX  and they notified me that if my account is dissolved then the bank should notify the XXXX   XXXX the account no longer exists and send me a check. TCF claimed that because I had a direct deposit for the check will associated with the XXXX XXXX they took the check. After I liquidate an account the bank should no longer hold the right to posses my money in any capacity, and they also wanted to charge me for an account maintenance fee. Any help would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: MN

Complaint narrative:
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax  is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a {$200.00} that I personally purchased in XX/XX/2003. I attempted to redeem my XXXX XXXX money order and at my financial institution and it was returned due to a retired routing number that occurred because JPMORGAN CHASE purchased XXXX XXXX XXXX. XXXX XXXX is the Bank account XXXX XXXX had which states on the money order " payable through XXXX XXXX ''. Because JPMORGAN Chase purchased XXXX XXXX ; JPMORGAN merged all of XXXX XXXX to JPMORGAN Chase, which makes Chase the originatiting bank to contact for redemption of money order. When contacting JPMORGAN Chase ( via phone, and email ) they said they have no records of my money order and that they will not pay me the value of my money order which they are responsible for reimbursing me because of their XXXX XXXX purchase! Attached are two emails addressing this matter. In the corresponding email JPMORGAN Chase executive office said " JPMORGAN Chase will not reimburse you for the money order XXXX XXXX supposed to pay '' some how that email was removed from my email account by JPMORGAN Chase IT department or executive office ; some how that corresponding email was delivered and no faulty action on my behalf was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Guidiville Indian Rancheria
State: MI

Complaint narrative:
I received a phone call from a Company claiming to call to verify information so that I can be served with Court Papers. The caller claimed that I would be charged with a crime for not paying a payday loan. I dont recall applying for the payday loan and it was from an address that I resided at 7 years ago. The caller claimed that they made every attempt to contact me. I informed the caller that I know longer live in XXXX  and havent lived there since 2012. The caller said that I would be charged for check fraud and I would have to go to Court in XXXX. I now live in XXXX and have been here for over 6 years. The caller will not give me any information on the loan. Like the original loan dates and Current name of the company. The caller did have my social security number, my name and an old address. The number for the company that contacted me is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I am filing this complaint because my credit score has been negatively affected due to unauthorized credit inquiries. I never signed anything giving Citizens One Auto permission to run my credit.

My attempts to resolve this with Citizens One Auto have been unsuccessful.

Company response to consumer: Closed with explanation