vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: FL

Complaint narrative:
Direct express debit card : Within two months I've had to file a claim with this company for fraudulent transactions. Both claim filings we're delayed due to the fact you can't get though the company through phone because it's gives a message that the call volume is high and then it hangs up on you. When I did get through to them which for both took anywhere between 3 to 30 days of calling constantly to get a live representative which is the only way to file a claim. The first claim was filed in XX/XX/2019 for {$320.00} which I tried to settle the matter with the company first. The claim was made due to the fact that the company processed a payment without my permission. I never signed up for recurring payments and when I used the card before to make a payment with them it was one time payments only. I'll was told by direct express that my claim was denied on the 10 day due to conflicting information. The second claim was filed on XX/XX/XXXX for {$760.00} because my card was stolen by someone that I had to know because they stole my card and took everything off. When I did get through to make a complaint I was told that making a police report wasn't necessary but would be a help. I filed then claim and sent all requested paperwork in. On the 10 day they told me it was denied due to conflicting information. The second claim and same results. I tried to file an appeal on the second claim and was told I can't file an appeal and received no detailed claims on the the claims results after requesting. Direct express makes no efforts in investigating claims. It's very hard to get through on their phone lines and when you do get through they transfer you XXXX or XXXX tomes to departments that don't know what they are doing. Even after filing a police report for the second claim they told me that they couldn't reopen the claim and the police would have to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I have a recurring payment from my Chase checking account to a XXXX XXXX credit card bill. My recurring payment is scheduled to be delivered by the XXXX of every month. It takes 5 days for delivery. Chase sent the check on XX/XX/XXXX so it was late to XXXX XXXX. I was charged a {$26.00} late fee by XXXX XXXX. Chase is saying that I scheduled the send by date of XX/XX/XXXX. First off I always send to a deliver by date. Also this is a recurring payment so you can easily see that Chase made a mistake. They sent it on XX/XX/XXXX to be delivered by XX/XX/XXXX. And this makes no sense because there is a 5 day delivery time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc.
State: IL

Complaint narrative:
Dyck O'neal currently has numerous complaints with the XXXX  for reporting inaccurate information to consumer reports. In XX/XX/XXXX Dyck O'neal added a {$18000.00} collection debt to my XXXX  and XXXX credit report for a debt that was paid off in XX/XX/XXXX, per my credit report ( see attached ). 

In an attempt to circumvent the system Dyck Oneal reported negative outdated information from XXXX as NEW information in XXXX, which is a direct violation of the Consumer Fair Reporting Act. Negative information that is more than 10 years old can not be reported on credit reports. 

This inaccurate information has been disputed with the Dyck O'neal and both credit reporting agencies but has not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
XXXX XXXX XXXX, attorney for Debt Collection and the XXXX XXXX   and/or XXXX have no rights to file a lawsuit against me after my account has already been closed by the XXXX on XX/XX/2019. This is clearly a violation of the Consumer Protection Act and the Fair Debt Collection Practices Act and unethical code of conduct. Again, this is the harrassment and abuse by you and the XXXX and XXXX Bank. This is clearly against the rules of laws.On XX/XX/2019, the XXXX issued the refund and the check in the amount of {$0.00} ( check # XXXX ) and I received the check, but did not cash it on XX/XX/2019 ) XXXX XXXX XXXX at Suttell & Hammer , p.s.XXXX, XXXX, XXXX ; XXXX. I responded to your letter and to your office ( XXXX ) XXXX and left the detail messages for Ms. XXXX XXXX on Thursday, XX/XX/2019 at XXXX XXXX  ( PT ) on her recorder but she did not respond to my phone call. I also left my name, account # or reference # for her and my home phone numbers. And, on XX/XX/2019 I also mailed my response to you. 
My address : XXXX XXXX ( consumer ) ,XXXX XXXX XXXX XXXX, XXXX, XXXX , WA XXXX ; homephone ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: NC

Complaint narrative:
Experian has the aged multiple accounts on my credit report I've asked them to correct them and they still have not to this day off of XX/XX/XXXX this has been going on since XX/XX/XXXX I've sent them letters certified and still have not corrected it count has been closed since XX/XX/XXXX and now they are real and putting charge-offs and late payments on XX/XX/XXXX I was also part of the XXXX   breach and they still have not corrected information on my credit report they just say verified no documentation whatsoever report number for Experian XXXX XXXX free age XX/XX/XXXX it's been closed since 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 2019-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
I sent a written request on XX/XX/XXXX to Freedom Mortgage to please provide the payoff, the Freedom Mortgage website confirmed three days to provide the payoff with the email confirming receipt of the request received on XX/XX/XXXX. I followed up on Wednesday XX/XX/XXXX and called today, confirming that it should be completed on Monday XX/XX/XXXX. The closing is being delayed due to the lack of the required documentation. I resent all outstanding notice of errors and requests for information XX/XX/XXXX and still have not received a response on those documents that state a response is provided within 30 days with many resent twice since the original request and it is years later. 

Request for Information Request Date XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX Notice of Error Request Date XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX XXXX & support resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX resent XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX XXXX & support resent 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 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I have a XXXX XXXX XXXX, within the last 2 years I had a XXXX XXXX, XXXX XXXX in XXXX XXXX  and a total of over 6 hospital stays due to this condition. 
I was in the hospital on XX/XX/XXXX and my brother notified them when they called that I was in the hospital for a XXXX XXXX. They continued to call my cell phone over 8 more times on XX/XX/XXXX knowing I was in the hospital. 
On XX/XX/XXXX my brother answered my iphone and told them again I was in the hospital and they continueed to call me knowing that I was in the hospital for a XXXX XXXX They are also charging me more than what is owed. 
In previous communications I made a payment arrangement with their employee XXXX XXXX in believe that is his name and they tried to charge my checking account on an earlier date then XXXX agreed to. I then made another payment arrangement with them via XXXX and again they tried to charge my checking account prior to the agrred upon date. XXXX or XXXX XXXX a supervisor was extremely rude and said their was no such payment arrangement on file.Asked him to check with XXXX and he becaming insulting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: SC

Complaint narrative:
The following dispute was completed on XX/XX/2019 by experian for the following account XXXX XXXX Account # XXXX ... Experian deleted this account and added another account with showing : XXXX/ XXXX XXXX with the same account information as the account deleted. I have no knowledge of this account belonging to me.

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 2019-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I applied on XX/XX/XXXX for an Income-Driven Repayment plan on my lender website : FedLoan Servicing. I do this process every year because I can not pay what they request me to pay monthly. I received an email from the studentloans.gov with a confirmation number ( Application Status : PENDING Reference Number : XXXX ). I went through the whole process and completed it. 

I sent an email on XX/XX/XXXX to my lender ( Fedloan Servicing ) asking for the XXXX plan status. They said that they didn't receive my application. I sent my confirmation number to them. Then I received another email on XX/XX/XXXX. Below you will see what it said : Since we did not receive your recertification application, your PFH payment on the IBR expired and the unpaid interest was added to the principal balance ( through capitalization ). Your payment changed to the amount you would have paid under a standard 10-year repayment plan based on the balance of your loans when you entered the IBR. Please note your account is still on the IBR although the payment increased.

They want me to reapply. Something that I already did. They keep saying that the StudentLoan.gov didn't release my application. In the meantime, my credit score is getting lower because of them. What I only receive from my lender are the statements with amounts past due. I can not pay {$300.00} dollars monthly. This is why I applied for the IDR They just call me today XX/XX/2019 at XXXX requesting the monthly payment. I asked them for the status of my IDR plan. They didn't find it. Based on what they said, I owe them almost {$1000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: NY

Complaint narrative:
Experian investigation did not fix error

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 2019-11-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I applied for secure card, Wells Fargo agreed to give me the card. However, due to poor service experience from Wells Fargo, I requested them to cancel the card. Now I see this appearing as Hard Inquiry impacting my credit scores. I spoke to my Banker at Wells Fargo about it however, it seems she had no idea how to resolve this. 

Hence, requesting for the help now.

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 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2019-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My savings account was frozen on the XXXX of XXXX by citibank after I made several withdrawalls. They said it was being closed and investigated for fraud. I have never received a reason why and I have called the company dozens of times.XXXX  is frozen and they keep extending their date when they say investigation will be completed. I lost my apt due to inability to access these funds. the company refuses to give me a reason or send me the balance of my account. I need my money sent to me immediately

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 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT OFF EQUIFAX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: NC

Complaint narrative:
XXXX  has the aged multiple accounts on my credit report I've asked them to correct them and they still have not to this day off of XX/XX/2019 this has been going on since XX/XX/2019 I've sent them letters certified and still have not corrected it count has been closed since XXXX and now they are real and putting charge-offs and late payments on XXXX I was also part of the XXXX  breach and they still have not corrected information on my credit report they just say verified no documentation whatsoever report number for XXXX  XXXX XXXX   free age XXXX it's been closed since 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 2019-11-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX  has the aged multiple accounts on my credit report I've asked them to correct them and they still have not to this day off ofXX/XX/XXXX this has been going on since XX/XX/XXXX I've sent them letters certified and still have not corrected it count has been closed since XX/XX/XXXXand now they are real and putting charge-offs and late payments on XX/XX/XXXXI was also part of the Equifax breach and they still have not corrected information on my credit report they just say verified no documentation whatsoever report number for XXXX XXXX XXXX  free age XX/XX/XXXX it's been closed since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Submitted information to Transunion through their upload portal. The information was what I was told I needed to do and I followed the exact instructions from the FTC site. My information was compromised several times in either a breach or unfortunately identity theft. Please see attached. I've also mailed in this same information before and never received a reply. My file number is 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 2019-11-22 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: Cedars Business Services, LLC
State: CA

Complaint narrative:
Back on XXXX XXXX my company XXXX sold 3 XXXX XXXX TVs to a customer for {$12000.00}. Payments on the same invoice were for {$9800.00}, {$1900.00} and {$970.00}. My company had to order the units from a distributor called XXXX XXXX. The transaction turned bad because it was discovered that the customer used a stolen credit card and fake identification. I, as the merchant did my due diligence to collect a signature for purchase and photo ID. 
About a week later, the credit card merchant services sent my company 3 notifications of chargebacks. They attempted to debit ( without prior notification ) {$13000.00} from my business bank account including chargeback fees. When they were unable to do so because my bank blocked the drafts they sent the account to a collections company called Cedars Business Services XXXX which threatens to hurt my personal and business credit with their actions. The first agent who made contact by email/phone was named XXXX XXXX the second XXXX XXXX, both from the same company. Mr. XXXX first made contact by phone and later that day by email XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3000.00} on the RESIDENCE/RENTDEBT AUTOMATED COL account number XXXX. ( Please see page attached from my credit report. ) I contacted the apartment complex manager on XX/XX/2017 ( see email attached ) to specifically request an itemization of what was owed prior to vacating the premises. I asked the office manager to provide me with the documentation immediately. I did not want to have this fall through the cracks and have this account wrongfully go to collections. I never received any acknowledgement of my email correspondence, nor did I ever receive any documentation of what was owed. In the meantime, the apartment complex withheld my entire security deposit. I was led to believe since they kept my entire security deposit that there were no outstanding balances due on my account with the XXXX  XXXX  XXXX XXXX. I discovered that the apartment complex had reported this erroneous collection when I obtained a copy of my credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was working on puchasing a house then this came up on my credit report. 
I was able to remove the problem from XXXX  and XXXX  its showing up on my report again this time on XXXX. 
Axcssfn/cngo Acount XXXX I have never received any information on this account. 
It shows on the credit report Charge off on 2014. Again I have never receive any phone calls or mail about this account.They are saying Balance is {$15000.00} when I lived at XXXX XXXX XXXX XXXX your identity. I did call my anttorney XXXX XXXX XXXX he tryed to call and get this worked out and had no luck. 
if this was me why would someone from the company call me to work this out or to let me know I was late with the paymenst I never received a call or mail on this account.ever.

Company response to consumer: Closed with explanation