vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MIDCOUNTRY FINANCIAL CORP
State: MD

Complaint narrative:
I was entered into a loan with XXXX XXXX XXXX XXXX through Mid-country Bank back in XX/XX/XXXX. The account was paid up on time by automatic withdrawal ( which is required by their services in order to obtain the loan ) all the way up until XX/XX/XXXX. At this time I was almost done paying off the loan and was suggested to refinance the loan to borrow more when another issue aroused. When I did such the bank supposedly paid off the remainder of that loan with the new loan amount ( a roll up ). A few months later they kept calling me and sending me letters saying I still owed for the older loan and refused to delete that amount or remove it from my credit report. I was still paying on the new loan by automatic withdrawals until they kept adding interest did the prior loan at this time when my bank account was closed for fraudulent activity they closed out both my accounts and placed them on a charge account for two separate loans that are on my credit report as we speak. I feel that they have violated my military lending rights as well as predatory trying to collect a debt that was already included into a new debt. As a result of this Mid Country Bank is reporting to the credit reporting agencies that there are two outstanding debts ( charge offs ) on my credit report potentially affecting my financial records which could affect my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: GA

Complaint narrative:
My complaint is for my XXXX XXXX XXXX Card; account number XXXXXXXXXXXXXX. This company has anonymously reported my account late 3 times, one time in XX/XX/XXXX; again in XX/XX/XXXX; and another time in XX/XX/XXXX. Each of these times have been incorrect as I have stayed current on this credit card and have paid on time each month since opening the card. This late payment has prevented me from qualifying for a conventional home loan because it is reporting inaccurate information. I would like for this information to be corrected to report that these payments were on time.

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 2019-08-15 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: GA

Complaint narrative:
My complaint is for my XXXX XXXX XXXX XXXX; account number XXXXXXXXXXXXXX. This company has anonymously reported my account late 3 times, one time in XX/XX/XXXX; again in XX/XX/XXXX; and another time in XX/XX/XXXX. Each of these times have been incorrect as I have stayed current on this credit card and have paid on time each month since opening the card. This late payment has prevented me from qualifying for a conventional home loan because it is reporting inaccurate information. I would like for this information to be corrected to report that these payments were on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My complaint is for my XXXX XXXX  XXXX XXXX; account number XXXX. This company has anonymously reported my account late 3 times, one time in XXXX XXXX; again in XXXX XXXX; and another time in XXXX  XXXX. Each of these times have been incorrect as I have stayed current on this credit card and have paid on time each month since opening the card. This late payment has prevented me from qualifying for a conventional home loan because it is reporting inaccurate information. I would like for this information to be corrected to report that these payments were on time.

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 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: OH

Complaint narrative:
I owed money to US Bank as a result of an overdrawn bank account. On XX/XX/2015 I settled the debt with a company by the name of XXXX XXXX XXXX XXXX. Since then I and many of my family members have been called and harassed by a company called XXXX and XXXX stating that I owe a debt to US Bank and that it needs to be paid otherwise they are going to garnish my wages, place a lien on my house and that I will have to hire an attorney to defend myself because they are taking me to court and serving me papers. A couple of months ago when I received a call and explained that I have proof that I have already paid that debt they told me that you must have paid the wrong collection agency. Well thats not a thing, I paid it and I have a paper stating that I am free and clear from the debt. So I called US bank and they said they no record of me owing any money other than what has already been paid and closed. They continue to call my mom, mother in law, ex mother in law, husband, father. Its getting WAY out of control and Im not sure how to get them to stop or how it is even legal.

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 2019-08-15 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX and XXXX 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 explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have the XXXX Credit Card with Chase Bank. OnXX/XX/19, I was charged my {$75.00} annual fee for my card. On XX/XX/19, I called to request an upgrade to the XXXX XXXX  XXXX XXXX which has a {$95.00} annual fee. I was told that they would be crediting my {$75.00} fee and charging the {$95.00} fee. Fast forward, the {$95.00} fee hit my account on XX/XX/19. This is deceptive. 

I budget my expenses on a monthly basis. I planned to pay the {$95.00} annual fee when i performed the upgrade back in XX/XX/XXXX. It is unfair for Chase to secretly place a {$95.00} fee on my account 5 months after performing a transaction. To me, it feels as if they were hoping I wouldn't notice, not pay my bill, and get charged interest on the fee since it wasn't a planned expense for the month of XX/XX/XXXX. 

Chase did not tell me that the fee would take 5 months before it hit my account. Chase did not email me or call me to let me know that it the fee was posted on XX/XX/XXXX. There was no attempt made to inform me. 

It concerns me that Chase feels that it is appropriate to delay the charging of fees until their customer may not notice it, in hopes of tricking them when they aren't expecting it. 

When I spoke with an agent and then their supervisor, they told me that it could take up to 6 months before an annual fee hits the account when performing a product upgrade. This is not in the terms and conditions or visible on a product page or in any of the communications. 

This should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berlin-Wheeler, Inc. (Kansas)
State: IA

Complaint narrative:
I have been harassed by Berlin-Wheeler, company address XXXX XXXX XXXX XXXX KS XXXX, phone number XXXX, after requesting no further calls. I notified their representative XXXX XXXX about 2 weeks ago ( today is XX/XX/2019 ) that I am homeless and unemployed, having been let go from my last position after missing work following my XXXX being XXXX at her daycare, and the health and mental health care she needed, and my need to attend court hearings regarding the matter, which took me from my duties at my position for 8 non-consecutive days. I am pursuing a civil case against the daycare, and considering contacting the XXXX regarding the questionable moral decisions and possible discrimination on the part of my previous employer. I told this collection agency of my situation, and that I was looking for work, and I would be able to view their account regarding an outstanding balance from XXXX XXXX for the approximate amount of {$110.00} on my credit report, and settle when I was able to find employment. I asked them to note it on their account for me, so that I could focus on re-entering the workforce, instead of being upset over collection agency calls, perpetuated by circumstances that I had no control over, and have been deeply distressing. 

On XX/XX/2019, I received another call from them, to my recollection the third or fourth call ( I had received calls prior to speaking with XXXX XXXX, but do not have the dates ). I spoke with XXXX XXXX, explained to her the nature of my grievance, and asked her for the companys information. 

I dont want any additional calls from this company, and find their repeated insistence in harassing me, after having explained my circumstances, my willingness to settle upon finding employment, and my desire to be left in peace for the time being, both disappointing and repulsive. I dont often file such complaints, but I feel this company has crossed a line ; Im not asking for anyone to lose their job, or be reprimanded by this company, but a written apology or simply not getting any more calls would be enough, as I am already knowledgeable about my delinquent accounts, and have had my stress level greatly increased during a time I should be able to use to care for my victimized XXXX year old.

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 2019-08-15 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: SC

Complaint narrative:
I sent dispute letters reporting inaccuracy for accounts that still remain in bad standing that are affecting my credit. I have sent request using Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I have not received any physical proof nor are the items removed. Below are the dates I submitted my request of inaccuracy. I also requested for inquiries that I did not authorized to be removed. 

XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2019-08-15 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My complaint is against Bank of America, Account # XXXX, open XX/XX/XXXX, status paid and closed, {$0.00} balance, credit limit {$3000.00}, date closed XX/XX/XXXX. I have been a loyal costumer to the mentioned company from years back. Around 2 weeks ago when Im trying to apply to my mortgage loan they are telling me that I have 2 delinquencies with BOA. First 30 days late was on XX/XX/XXXX and 2nd late for 60 days was on XX/XX/XXXX. I have never been late with BOA in the multiple accounts that I currently have with them and suddenly I found out that they have me with delinquents for of {$8.00}? Which I didnt even know they existed. Do BOA really thinks that if I knew that I owed {$8.00} I wouldnt have paid them that amount? I never received a late payment insertion as required by the FCRA. This unfair business, negligence and unreasonable. I respectfully request a deletion letter from BOA through CFPB portal. I have a  {$400000.00} mortgage loan pending because of this negligence from BOA. I already gave {$15000.00} deposit for the property, if I dont have a deletion letter from the mentioned company as soon as possible I might lose the deposit. In the event that this happens I will take this case to court and recover every penny that I have lost because of this error and also including legal advices and the cost of not borrowing funds at affordable rates to obtain loan. I have no other issues against BOA and would like to continue doing business with the company. Thank you!

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 2019-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My account was permanently limited without justification after I sent in the requested documentation to lift my temporary limitation. 
I received an email from PayPal at XXXX XXXX on XX/XX/2019. The email stated my account was temporary limited due to suspicious activity, I sent in my driver liscence because I was told by a customer service agent via phone that I just had to verify my identity. I received an email stating the same thing. After I submitted my ID I also contacted PayPal and submitted my website link just in case they questioned if there was a legitimate business associated with the account. My business has a privacy policy, refund policy, and a terms & condition posted that must be read prior to purchase. I read Paypal 's term & condition and I violated not one condition nor have I been notified what condition that I have specifically violated, this is not a disgruntle complaint. I have over {$400.00} in my account that will be needed to help me survive I have earned that right with how many fees I have paid PayPal for their services. On XX/XX/XXXX at XXXX XXXX PayPal sent me a notification that my account was permanently limited and I would not be able to access my funds for 180 days which is barbaric to say the least. I have no verification of what term I have violated this is no different than receiving a conviction without being explained the laws that you broke and the severity of them. 


I would also like to add that every transaction my business received from clients can be verified and the service they received can be verified if it is ever requested. 

Thank you for your consideration. 
Account ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: SC

Complaint narrative:
I sent dispute letters reporting inaccuracy for accounts that still remain in bad standing that are affecting my credit. I have sent request using Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I have not received any physical proof nor are the items removed. Below are the dates I submitted my request of inaccuracy. I also requested for inquiries that I did not authorized to be removed. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2019-08-15 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: SC

Complaint narrative:
I sent dispute letters reporting inaccuracy for accounts that still remain in bad standing that are affecting my credit. I have sent request using Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I have not received any physical proof nor are the items removed. Below are the dates I submitted my request of inaccuracy. I also requested for inquiries that I did not authorized to be removed. 

XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation