vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-26 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: SD

Complaint narrative:
These two companies were filed on a bankruptcy and not removed from my credit report : 1. Judgement case -- Case # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX Court -- XXXX Circuit Court, XXXX XXXX 2. Judgement case -- CASE # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX   Court -- XXXX County Court ( XXXX ) XXXX XXXX Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX -- DISC Case # XXXX Filed -- XX/XX/XXXX Lact -- XX/XX/XXXX Attny -- XXXX XXXX XXXX XXXX -- ( XXXX ) XXXX   Court -- Federal District Court Cases # XXXX and case # XXXX   are still on my credi report and need to be removed so I may purchase housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had the Chase XXXX XXXX card for a little over a year now, and use it for my XXXX purchases. As I do with all my cards, when I make a purchase, I pay it off immediately. I hav never carried a balance, or used a card irresponsibly. 

This is probably what caused Chase to close my account - people like me are bad for business, you see. 

Without notice, without reason, and without response, my account was closed. ( Along with My other Chase accounts ). I am a recent XXXX XXXX, and the effect on my credit, vis-a-vis total credit, number of accounts, account age, is likely to hurt me pretty badly. 

I don't even know exactly how long the account has been closed for. No information has been given to me, I have received no letters, and when I call customer service I get transferred around and around. 

Upon some googling, I see that Chase is notorious for this. What makes this more disappointing is that I just switched from another bank to a checking/savings account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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: SD

Complaint narrative:
These two companies were filed on a bankruptcy and not removed frm my credit report : 1. Judgement case -- case # XXXX Filed -- XX/XX/XXXX Amount -- XX/XX/XXXX XXXX -- XXXX XXXX XXXX-XXXX  -- XXXX XXXX XXXX Court -- XXXX XXXX Court, XXXX XXXX 2. Judgement case -- case # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX   Court -- XXXX county court ( XXXX ) XXXX XXXX Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX DISC case # XXXX Filed -- XX/XX/XXXXXXXX -- XX/XX/XXXX ATTY -- XXXX XXXX XXXX XXXX -- ( XXXX ) XXXX  Court-Federal District Court CASE # XXXX and CASE # XXXX are still on my credit report and need to be removed so I may purchase housing.

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 2018-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had 2 credit accounts with Chase for a little over a year now As I do with all my cards, when I make a purchase, I have paid them off immediately, and used them sparingly. I have never carried a balance, or used a card irresponsibly. 

This is probably what caused Chase to close my account - people like me are bad for business, you see. 
Without notice, without reason, and without response, my accounts were closed. I am a recent college graduate, and the effect on my credit, vis-a-vis total credit, number of accounts, account age, is likely to hurt me pretty badly. 

I don't even know how exactly long the accounts have been closed for. No information has been given to me, I have received no letters, and when I call customer service I get transferred around and around. 

Upon some googling, I see that Chase is notorious for this. What makes this more disappointing is that I just switched from another bank to a checking/savings account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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: MD

Complaint narrative:
Hello. My problem is with Experian credit bureau. I have put in multiple disputes about XXXX XXXX and XXXX XXXX as being paid on XX/XX/2018 and or XX/XX/2018. I have spoke with both creditors and receive receipts from them both stating paid with a XXXX  balance as well. Both of these creditors agreed to report them as such. I have sent this proof to Experian and they keep reporting it as unpaid collections. Please help.

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 2018-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I have submitted so many complaints to you about my problems with this company they have made both you and I promises which they never kept. I have attached the most recent one you handled with them. I would have filed a complaint with the XXXX but from my research they already have over 1400 complaints filed with them with about the same things stated that I have said to you. The reason I am writing you today is because of what they reflected to the credit reporting agencies and its effect it had on me. I had applied for a bill consolidation loan it would have allowed me to not only pay this company off but also to catch up on my overdue medical bills and continue to get the needed urgeant medical care I needed. At the time I applied for the loan my credit score was XXXX   which was good enough for the loan to go thru all the paperwork was submitted and the loan was going to be approved untill Barclaycard reported my account as late and past due i was informed by the loan company I no longer could get the needed money now with this being the only negative mark on my credit report it did talke and make a large impact on my score it fell from XXXX to XXXX because of barclaycard actions they have now caused extreame and great hardship on me.This company is out of control and someone needs to do something to stop them from actions such as this. By doing what they did they have decided what my future health will be I dont know what to do now. They should be sued.

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 2018-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Equifax provided my credit information to XXXX without my verbal or written permission in XX/XX/2017 resulting in a hard inquiry. I contacted XXXX / XXXX numerous times and staff told me someone would call me back and never did. This went back and forth for over a month last year and I finally just gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Collection Agency : Credit System International , Inc., XXXX XXXX XXXX, XXXX, TX XXXX. 

When it comes federal laws, they are written to protect consumers from unlawful business practices from agencies such as. I was not given sufficient time during the dispute process to get as much information regarding a medical debt. My understanding, I had already took care of matters with an XXXX. That was collected at the time of service XX/XX/XXXX. CSI sent original letter dated XX/XX/XXXX. I disputed the claim because I didnt know what debt was for. By law a consumer has up to 90 days at the time collection agency makes contact regarding an outstanding debt, before any reporting to the credit bureaus negatively. Federal Credit Reporting Act under The Federal Commission, section 623. CSI reported negatively to the credit bureaus while this matter was in dispute. The have violated my rights under the FDCPA and FCRA. I value my credit, and anything negatively reported should be removed. 

Please assist in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2018 I went to deposit cash into an atm in XXXX, PA. 
It kept spitting out bills and would not take them. Because of this error of the bank, I received 2 overdraft fees. My close relative was in the hospital, and I could not get to the atm by XXXX, but this was an emergency situation. I at least wanted to have the full deposit in there asap of {$650.00}. 

I have had multiple problems with their atms, at many of the branches. 
I want these fees reversed, I am going through a major turmoil with my family right now and do not need aggrivation!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts on my Experian credit report. FTC ID Theft Report # 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 2018-05-26 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: GA

Complaint narrative:
Experian has bee reporting false account information against my FCRA 15 USC 1681 rights. I have disputed multiple times and even mailed in documents and they still have refused to remove and delete this information. 

I had a mortgage that was with XXXX XXXX. XXXX XXXX sold the loan to XXXX   XXXX and both are the same loan account reporting. My last payment to XXXX was XX/XX/XXXX and according to 605 15 USC 1681 ( a ) ( 4 ) any account older than 7 years should be removed. On XX/XX/XXXX Experian erased the pay history payment information to allow the account to remain on my account. Experian also erased the Credit Limit amount and other key account details in order to keep XXXX on my account also. 

Experian also changed information on the XXXX XXXX account around with out deleting the account due to FCRA violations. When I asked them to investigate and remove this account Experian also changed the payment dates and amounts around in order to let the account remain. 

The XXXX XXXX and XXXX XXXX account have violated many rules according to the FCRA these are reporting incomplete and inaccurate in many ways and should be deleted immediately. 

FCRA VIolations 606 15 USC 1681 ( a ) ( 4 ) 606 15 USC 1681 ( c ) 606 15 USC 1681 ( e ) 606 15 USC 1681 ( d ) 611 15 USC 1681 ( 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 2018-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
The original creditor which is XXXX XXXX sent an account that never belonged to me to a collection agency called diversified consultants. I Received a letter in the mail from diversified consultant attempting to collect on a debt from XXXX XXXX. I sent diversified consultant a letter asking them to validate the debt and send me all information on this account, I asked them to send me a of contract or anything bearing my signature because I never had and account with XXXX XXXX. They failed to provide me with proof of what I asked them they sent me an itemized bill with a list of charges which is not proof that the account belonged to me. They failed to send me the information that this account was mines. I just checked my credit report and according to my credit monitoring they already listed the account on my credit profile without fully proving proof. The address is also not my address as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent accounts appeared on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge inaccurate accounts on my Transunion credit report. FTC ID Theft Report # 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 2018-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
refer to Complaint number : XXXX which you closed without resolving. You allowed the company to tell you I paid late or short when I provided you proof I paid in full. You need to keep this complaint open until it is resolved in its entirety. I provided proof that it was paid in full BY THE DUE DATE. They said it was late or short. Since that was not factual, it was your obligation to contact them again. I now owe over {$60.00} in late fees and my credit was damaged. I need you to have any balance wiped off since late fees and interest should have never been charged since the card was paid in full by the due date and leave this open until the entire balance is wiped off and my credit report is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XX/XX/XXXX Penn Credit Corp/XXXX XXXX I paid {$290.00} in full to have the item removed from my credit report, as of today XX/XX/XXXX it's still there. I have spoken with numerous agents at the company, and I have also had XXXX XXXX, XXXX XXXX, and XXXX XXXX to assist, which I stop using them because I was spending money with no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to M & T Bank. Because I was in bankruptcy, to protect my home from illegal foreclosure from XXXX, it was sold as a bad debt, therefore XXXX XXXX XXXX serviced the loan for M & T. I only had 4yrs left on the mortgage. My Chpt XXXX bankruptcy was dismissed in XX/XX/XXXX. 

They are absolutely horrible. The mortgage payments that I have paid since XXXX have been wiped from my account. They were never applied to my loan/account therefore M & T thinks I haven't made a payment in 4 years. Therefore they are starting foreclosure proceedings. 

I have spoke to M & T bank but they don't have my file and can't see any history on me and said that I have to deal with XXXX. I opened an investigation on XX/XX/XXXX with XXXX 's escalation dept and provided them and their attorney proof of payments since XXXX. XXXX XXXX the escalations supervisor assigned my file to XXXX XXXX but left the company within 24hrs of being assigned my case. 

It has now been transferred to XXXX XXXX, who said, yes I have your file but haven't gotten around to reviewing it yet. So you will have to wait until I look at it. Apparently XXXX has given him until XX/XX/XXXX to complete his investigation. 

However, M & T isn't being updated on any of this and they are coming after me. What concerns me is that they returned my XXXX payment back to me because it's in foreclosure and they won't accept anymore payments until this is resolved which will force the loan to go further in arrears. XXXX XXXX is the attorney for XXXX. 

I have never received a mortgage statement from M & T nor XXXX so I would know where I stand with my mortgage. I believe the mortgage has been paid off by now but who knows. Also my XXXX statements for 4 years have never shown payments nor reduction of principal. My accountant has had to file for a transcript to explain it and I have been battling with them since the start to get a handle of this loan. 

XXXX XXXX said - it looks like it has been wiped out of your account. 

If you look on the Consumer Affairs website - there are over 200 complaints on each party. I have already spent 10 years recovering from the illegal practices of XXXX XXXX XXXX and now am going through it again with M & T bank & XXXX. 

These practices need to end. I'm at risk to lose my home ... ... .again. 

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 non-monetary relief
Consumer complaint received 2018-05-26 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 — Investigation took more than 30 days
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
I mailed a certified letter out disputing account on XX/XX/XXXX. The tracking on the letter states that the letter was picked up from their post box on XX/XX/XXXX at XXXX. The 30 days have passed and I didn't receive a response to my letter so therefore the account should be removed from my credit. Attached proof of delivery to the collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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: GA

Complaint narrative:
I have disputed XXXX XXXX and XXXX XXXX with Equifax multiple times. I have explained that these accounts should have been deleted according to 15 USC 1681 605 ( a ) ( 4 ) 15 USC 1681 605 ( c ) 15 USC 1681 605e XXXX XXXX and XXXX XXXX are the same account. The last payment made to XXXX was XX/XX/2010 and should have been deleted. Equifax has failed to report these account complete and accurate. There are many incomplete and inconsistent facts on this account especially the last date of payment. 

I have sent in documentation and XXXX XXXX just alters information with out correcting and deleting these accounts Equifax is in violation of 15 USC 1681 ( i ) 611 15 USC 1681 ( c ) 605 ( a ) ( 4 ) 16 USC 1681 ( c ) 605 ( c ) ( 1 ) 16 USC 1681 ( c ) 605 ( E )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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: GA

Complaint narrative:
I have been having an ongoing dispute with American Express about my refund. The issue first began XX/XX/2018, when they received a payment of XXXX that they were not supposed to have. They deducted funds from it and held on to my credit balance. The first dispute closed On XX/XX/XXXX and they still have not mailed a check. Instead, they have removed the credit balance so they can lie and say the money was never there in the first place.

Company response to consumer: Closed with monetary relief