vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-29 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: HONOR FINANCE, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX, Extortion, Predatory lending, Incompetent Employees, Inaccurate reporting, the list goes on. 
The amount is, {$4400.00} They somehow managed to still say that I owe, when I've paid well over {$13000.00} so far for a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I'm behind one payment, nearing two payments due, I was diagnosed with XXXX and going by through treatment. 
Before things worsened, I called US Bank mortgage to see if they might be able to help in some way so I can have the ability to pay for my XXXX and XXXX treatment. 
They stated they only could : Do repayment plan- meaning " catch up '' Forebearance plan- meaning " let payments stack on each other, then try to catch up '' And Refinance- meaning possibly qualify for lower interest or restart loan amortization for another 30 years but not guaranteed. 

None of this really helps in any way to consumers in my situation.

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 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've made several attempt to dispute the bankruptcy showing on my reports to Experian but to no avail. I contacted XXXX XXXX the reporting company for Experian and they indidcated the Bankruptcy in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that was claimed to be filed was removed and Experian has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that Experian has not contacted them for any information.

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 2018-01-29 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Three payments of {$840.00} were received by Sears in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in settlement of account ; Sears agreed to report status of account as " unrated '' to credit repositories. Credit dispute was filed with XXXX and was confirmed on XX/XX/XXXX. 

Letter citing " Pre-Legal Notification '' sent by debt collector, XX/XX/XXXX. Response made even date citing account resolution.

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 2018-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern Re : Claim # XXXX I'm disputing Chase Bank Claim. JP Morgan Chase Bank allowed a merchant ( XXXX XXXX ) to debited my account using a debit card that was reported lost/stolen. It is obvious that JP Morgan Chase Bank is not taking responsibility for their error. 

On XX/XX/XXXX, I used my debit card ( ending XXXX ) at XXXX XXXX XXXX. They obtained an authorization for {$50.00} deposit. OnXX/XX/XXXX, the {$50.00} deposit was deducted out of my checking account and the authorization code should have gone away. 

According to JP Morgan Chase Bank response to your agency, the merchant ( XXXX XXXX ) used the same authorization code that was obtained back on XX/XX/XXXX, to debit my account for {$670.00} two months later. It is not possible for a merchant to use an old authorization code from two months prior especially after the original amount {$50.00} was debit from my account. It clearly shows on my bank statement XXXX debited my account {$50.00} and at that time that was all they were authorized because my car insurance company was paying the entire rental I could understand if XXXX an authorization code pending but they did not. Chase allowed {$670.00} to be deducted from my checking account fraudulently. 

I recommend Chase Bank take responsibility for their error and credit my checking account the negative balance including all the fees the account incurred. If they don't own up to their mistake I'm prepared to contact an attorney. I've been patient and cooperative with Chase. But I'm getting frustrated and I'm not letting them getting get away with this ' Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-29 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my XXXX  credit file ( online ). I named each inquiry to the XXXX rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted XXXX and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both XXXX and Equifax stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my Experian credit file ( online ). I named each inquiry to the Experian rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted XXXX and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both XXXX and XXXX stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.

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 2018-01-29 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: NV

Complaint narrative:
XXXX XXXX XXXX, Extortion, Predatory lending, Incompetent Employees, Inaccurate reporting, the list goes on. 
The amount is, {$4400.00} They somehow managed to still say that I owe, when I've paid well over {$13000.00} so far for a 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 2018-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I set up an ACH transfer from my XXXX XXXX XXXX account to my TD Bank checking account. on Tues. XX/XX/XXXX. Normally, it takes 2-3 business for the transfer to be complete, but my Monday XX/XX/XXXX, the funds were not posted in my checking account. I contact XXXX XXXX   regarding my transfer and I was informed that there was technically issues and my transfer would not be finalized until XXXX XX/XX/XXXX, but I did not get the funds posted in my account until the following day. Because of the funds were not in my TD bank account within the 2-3 days ; I receive four overdrafts fees from TD Bank. I explain to TD Bank several times regarding my issue, but the bank refuse to refund me the fees because it was not their issue. XXXX XXXX offered to speak to TD Bank directly, but once again the bank refused to refund me the over drafts fees. XXXX XXXX only provided me a XXXX refund back to my XXXX XXXX account for only one overdraft fee. I have made countless attempts to resolve this issue and I have offered to provide my bank statement and/or other documents to show the fees, but both TD Bank and XXXX XXXX refuse to resolve this matter As a consumer, I should not pay for any fees because this was a technical issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ XXXX monthly payment. The name that is reporting late is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
No idea where the debt came from, will not stop harassing old employers or parents.

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 2018-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I currently home school my daughter through an online virtual school. Wells Fargo repeatedly calls during school hours, despite my complaints that they're interrupting my daughter 's school day. This is the same as harassing someone at work. 

Wells Fargo is extremely rude and offensive. On XX/XX/18, they falsely accused me of abandoning the property, then told me that's the only " reality '' that exists when I tried to explain that was false. Attacking my perception of " reality '' is a highly abusive, manipulative tactic, even as absurd as they sound. 

This is a delicate, unfair situation of a divorce involving XXXX XXXX, XXXX XXXX, and a state child support system that is 47 weeks behind on my child support and household maintenance payments. Wells Fargo has been made aware of the statewide crisis in support payments. 

Wells Fargo has repeatedly told me that without my own job/income, they can't provide a workout plan, when the judge has ordered both child support and household maintenance due to being out of the workforce for 12 years, giving me the chance to return to school and/or obtain specialized career training. 

This is clearly discrimination against women. The home is in my name only, and I'm 22 years into a 30 year mortgage. There are no property disputes in the divorce.

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 2018-01-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pathfinder Credit Services
State: FL

Complaint narrative:
False Alligation claiming that I attended a school in that they have evidence showing that I attended this school which indeed is false I live in a whole different County!!!! I have proof that I never live in that county they stating I attended school at. I have been a victim of identity theft And willing to seek legal reputation if this matter isnt drop. I never attended The XXXX school before they have been harassing me for years they call me a few years back stating I had also attended a program in XXXX XXXX Florida before im sick of being harassed by this company and want them stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
{$7900.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested gift cards for XXXX XXXX XXXX   XXXX after funds hit my account. 

{$15000.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested gift cards for XXXX XXXX XXXX    XXXX funds hit my account. 

{$6500.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested ( 5 ) XXXX XXXX 's for XXXX XXXX XXXX   XXXX after funds hit my account. 

The first ( 2 ) POs were approved to pull from the XXXX XXXX accounts. When they bounced, XXXX XXXX authorized me to put ANY fund necessary to accrue for the bounced funds and be properly paid through the JP Chase Account ending in XXXX. 

Purchased orders were given as well as a commission for my procurement project given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CO

Complaint narrative:
XX/XX/2017 Collection agency did not provide information to validate the debt. The debt was disputed as not belonging to the me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX I am have having issue when the creditor that attempt to pull my credit my name is XXXX XXXX every time my credit info is pull is coming up as XXXX XXXX I have send information to have this name deleted on my profile This is creating lots of problem every time I call to fixed it I keep getting the round around this as cause pain of suffering I need this to be fix as soon as possible Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : I have also included the following minimum two ( 2 ) proofs of my current mailing address Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2018-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: LA

Complaint narrative:
As of summer of XXXX, 21st Mortgage representatives began to verbally harass my wife and myself. They are very rude and disconcerning over the phone. I gave them specific instructions not to speak with my wife ever if they could not hold a civil conversation with her concerning our mortgage. After that, the mortgage company started to call me three times a day. Everyday. On XX/XX/XXXX, I was being verbally abused and bullied over the phone by not one but two representatives. Verbatim, one of those reps said '' I was unappreciative of the XXXX XXXX dollars they gave me for the mortgage! ". 
The abusive nature of this company has got to stop. We are not the only consumers going through this with this particular mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
Debt was negotiated through XXXX XXXX. which was paid. Still reporting to credit companies that the debt is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've made several attempt to dispute the bankruptcy showing on my reports to XXXX  but to no avail. I contacted XXXX XXXX the reporting company for XXXX  and they indidcated the Bankruptcy in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that was claimed to be filed was removed and XXXX  has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that XXXX  has not contacted them for any information.

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 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've made several attempt to dispute the bankruptcy showing on my reports to XXXX  but to no avail. I contacted XXXX XXXX the reporting company for XXXX and they indidcated the Bankruptcy in XXXX and 2017 that was claimed to be filed was removed and XXXX  has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that XXXX has not contacted them for any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent 2 certified letters to XXXX, XXXX, XXXX and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXXXXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP

Company response to consumer: Closed with explanation