vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is a copy of the letter sent to Experian less my very personal information they required for verification. 

XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Customer Complaint I have been billed to my Debit Account several times in the last 3 months following attempts to open my credit report for a bank inquiry. In no way was I trying to set up special pay for services. All I wanted was to release the lock on my account. 

Debit Transactions XXXX/XXXX/XXXX {$4.00} XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Charges {$55.00} I find this to be deceitful and unprofessional and do not accept these charges. Please credit my account the {$55.00}. I believe I have changed the account to a no fee based system. I was totally unaware of the " Pay For '' service, especially since I was attempting to unlock my credit report. I am copying the Better Business Bureau, My Congressman, and the Consumer Protection Agency. 

Sincerely, XXXX XXXX XXXX Cc : Better Business Bureau XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX has been removed for this copy

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 2017-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I continue to receive repeat calls from XXXX XXXX XXXX in regards to my current bill. When Im ONE day past the due date calls begin at XXXX and they call every hour until XXXX something before close. 8-9 calls a day every day. Monday- Sunday. I have asked repeatedly for the calls to stop especially on Saturday and Sunday. They have given specific account information to my domestic partner with knowledge that I was not present or available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Company : XXXX / TD Bank Product Red Card Issue : Company will not increase my credit limit even when updated income is provided. 

Description : I have been a XXXX card holder since 2014 and did not realize that my credit limit is only {$500.00}, while others have given me lines more than {$15000.00}. 

Recently, I was not able to make a purchase at XXXX  since it went over the {$500.00} limit. However, it was not apparent that credit line is the problem, so I kept trying the card an entered my pin. After giving up, I tried one of my other credit cards ( XXXX XXXX ) and they too were declined, as the terminal said that I had " tried too many times '' for this transaction. In the end, I had to leave the counter, go to the ATM, and get {$300.00} cash, for which XXXX ATM charged me $ XXXX. 

Upon calling XXXX/TD Bank, they asked for updated income but then refused to increase my credit limit. The representative said that they will only update my credit limit through their monthly process, and IF I am eligible, they would contact me via postal mail. When I asked what is their eligibility criteria for line increase, the representative was not able to provide any information that I could act on, as a customer. 

In summary, even after paying in full at the end of each cycle and updating my income, I am unsure if and when XXXX/TD Bank would increase my credit limit. This does not seem like fair practice of providing justifiable credit to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: AZ

Complaint narrative:
I checked all 3 of credit report today and it shows I have a chapter XXXX bankruptcy .... The courts do not report to the credit agency.. how did they get the information for the courts..

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 2017-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I, XXXX XXXX hereby files a complaint against a mortgage servicer known as AmeriHome Mortgage. As a mother of a XXXX XXXX XXXX, I recently had to make some changes in my life to attend to his needs, which incorporated taking a new position with a XXXX XXXX XXXX. So, during this time frame, I fell back on some mortgage payments. I can now afford to make mortgage payments, and the servicer representative were trying to force me into making double mortgage payments every month, which is simply not reasonable. I have no problem with the great interest rate on my mortgage, which is at 3.75 %. My normal payment is approximately {$2500.00} monthly. AmeriHome demanded a payment of close to {$5000.00} monthly, and that is abusive and not applicable to my overall financial situation. 

A mortgage collection is considered by recent federal cases before the U. S. Supreme Court as a debt collection, and therefore come under the jurisdiction of the Fair Debt Collection Practices Act ( FDCPA ). The amended FDCPA of XXXX XXXX, 2010 has directed that while a mortgage is in a modification process, that all foreclosure actions cease. 

Even though I have arrears in my mortgage, I will now make payments of {$3000.00} to {$3500.00} monthly, and I request a modification package to be emailed directly to me or sent to the law firm I have on this matter. The first thing I want accomplished with this complaint of abusive collection practices is a cease and desist of calls from the collection division of AmeriHome Mortgage, and a case worker assigned to me on a modification process. I will submit all paperwork to complete the modification process as quickly as possible. I am requesting that all arrears be place on the back end of my mortgage with a monthly reason able payment plan that will bring the account to a positive position in the shortest time frame. The matter must be resolved in a modification process. 

My home also has substantial equity and there is a good chance that PMI can be removed from my mortgage. This will make my home mortgage even more affordable. Accordingly, I request this to be part of my modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I was/am sick for a very long period of time. I have insurance through my dad and briefly through XXXX. I have barely been working throughout the past five years. This company without my knowledge unfairly took advantage of me and hurt my credit score with a bill that is not even valid and is many years 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 2017-12-17 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: AZ

Complaint narrative:
I checked all 3 of credit report today and it shows I have a chapter XXXX bankruptcy .... The courts do not report to the credit agency.. how did they get the information for the courts..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: AZ

Complaint narrative:
I checked all 3 of credit report today and it shows I have a chapter XXXX bankruptcy .... The courts do not report to the credit agency.. how did they get the information for the courts..

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 2017-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: Navient Solutions, LLC.
State: AR

Complaint narrative:
I received a discharge on X/XX/2009 for total XXXX and never heard anything from Navient only from XXXX ..Navient has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Dear Sir, I hope this message finds you well I am an international XXXX graduate, had a clinical rotation at XXXX XXXX XXXX from the period of XXXX XXXX XXXX XXXX XXXX XXXX during which i was covered by XXXX XXXX ( which the XXXX XXXX XXXXXXXX asks us to purchase before starting our clinical rotations ) We also pay XXXX dollars for a month of the rotation ( its not for free ) One day my XXXX  was XXXX and XXXX ( XXXX XXXX ), so i went to the coordinator office, I HAD NO INTENT of going to the Emergency department, the coordinator asked me to go to ER and present them with a copy of my insurance and she mentioned that it would cover everything there. 

I went to the ER, presented my insurance copy, waited for my turn, ER doctor was unprofessional himself, he injected the XXXX so i could feel XXXX when he extracts the XXXX HOWEVER he came back late when XXXX faded away and it was very painful. I did n't file a complaint by that time. 

Since then, I have been receiving plenty of calls from debt collector and i have been spending ample of time trying to resolve the issue with them and XXXX XXXX XXXX  However they are refusing to communicate with Insurance company, been calling them over 10 times. One representative actually told me WE DONT DEAL WITH INSURANCE. 

I am attaching my insurance copy and also attaching a copy of the debt collection. 

I am writing to you so you could please resolve the issue, please put some points into consideration - i paid XXXX usd for 2 months of rotations at XXXX XXXX and XXXX  XXXX XXXX - I had a valid insurance when i presented to ER - i had no intent what so ever to go to the ER except after knowing that insurance will cover all the cost Thank you so much looking forward for your response Happy Holidays XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: AR

Complaint narrative:
I received a discharge on X/XX/2009 for total XXXX and never heard anything from XXXX only from XXXX ..XXXX has put incorrect info on my credit report XXXX XXXX and did not understand what was going on and its caused my credit report to show I am in default.., I have never received anything from this company, they have ruined my 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 explanation
Consumer complaint received 2017-12-17 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX I disputed a charge for {$270.00} from XXXX XXXX XXXX, a store in XXXX, MD. I was given temporary credit by Chase XXXX, was requested to send additional information, and was informed that I would be advised about the final determination on the dispute. Beginning on or about XX/XX/XXXX I began calling the Chase Bank Dispute Resolution Department to inquire about the final determination. I was told that it takes tow billing cycles for a final resolution ot the dispute. 

On or about XX/XX/XXXX I began calling the Diuspute Resolution Department to find out about the status of the final determination. Every agent on the phone ( conversations were recorded ) advised me that it would take a little longer. Eventually, I filed a complaint with the Federal Reserve about Chase 's inability to resolve the complaint. 

On XX/XX/XXXX XXXX XXXX XXXX from Chase 's Executive Offices called me and insisted that a letter with a permanent credit had been sent to me on XX/XX/XXXX. I  argued that, if so, it is curious that other people on the Dispute Resolution Department were not aware of it and kept saying that the letter will be sent soon. Nevertheless we agreed trhat he would send me a copy of the XX/XX/XXXX letter ( he refused to send me a scanned copy by email ). 

As of XX/XX/XXXX, I HAVE NOT RECEIVED A COPY OF THE LETTER THAT CHASE ALLEGEDLY SENT ME ON XX/XX/XXXX. I called XXXX XXXX XXXX ( extension XXXX XXXX ) and left a voice mail message, but he did not return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP
State: MA

Complaint narrative:
To whom it may concern. I have been reported by my credit company as 90-day late. With XXXX XXXX Account # XXXX XXXX XXXX XXXX I noticed on all 3 of my credit reports that this account has reported missed payments from XX/XX/XXXX to XX/XX/XXXX and closed as of XX/XX/XXXX. To my  knowledge my account was open and have been making payments. I was never notified in any form of my account being closed as I always go to the bank to personally and make payments. 

I have disputed this inaccuracy with the credit bureaus just to find out that XXXX XXXX is reporting everything incorrectly on credit reports. When I spoke with customer service I was notified that my account is on a " PERMANENT RESTRAINT '' and that only Collection department can remove it.

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 2017-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Despite years attempting to correct the situation and filing many complaints, Seterus, Inc has continued to move forward foreclosure and has damaged my credit to almost irreversible levels since XXXX. The constant harassment has caused me serious health issues and inXX/XX/XXXX, XXXX XXXX clinically diagnosed me with XXXX. Seterus continues with the same scheme to defraud mortgage owners by charging them for insurance they already own, and making the insurance part of the mortgage payment, then alter fix rate mortgage like mine to collect not only the fraudulent insurance money but also late charges the company incurs to costumers. Seterus, Inc has partnered with XXXX XXXX, a service provider to Seterus, Inc who supposedly contact costumers like me to request insurance proof, but truly costumers do n't get noticed from XXXX XXXX, until after the fraudulent insurance has been " purchased '' by Seterus on behalf of the mortgage owner. I requested XXXX XXXX and Seterus, Inc to issue proof of the original insurance request I supposedly receive on XXXX, but I never received anything from either company. In XXXX, I started to get letters from the lenders, Seterus that I was late on payments, I check my bank account and I corroborated all payments were made on time, I contact the company via phone to get an understanding of the late changes and changes of my account but customer service over the phone was unable to explain what was going on with my account. I finally got fed up with the lack of explanation from Seterus and I filed a complaint with CFPB. Finally, in the response from Seterus to CFPB, I understood what the claim was, but I was still not clear due that I never received an official request of the master insurance from either Seterus or XXXX XXXX, and despite many requests to Seterus to issue proof of the original insurance request which supposedly was sent to me on XXXX I never got evidence of the same. I submitted the master insurance to Seterus, Inc,  and XXXX XXXX, on On XX/XX/XXXX, via mail and fax, almost four months later I received a letter from XXXX XXXX, requesting the insurance, when I point out that on a previous response via CFPB, Seterus acknowledge the undeniable submission. Until today my account has not be corrected, almost three years and this company continue the scheme. An early complaint to the NY Attorney General has put me in contact with the FBI and FTC who now request CFPB to submit all records of my past complaints about Seterus and its scheme directly to the investigator. So please see the attached request and direct me on how can I submit all past complaints regarding Seterus to the investigator.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a unique situation that I find completely bizarre. I have contacted Citi on numerous occasions to stop transferring {$560.00} from my Checking account to my Citi Advantage Credit card.I have called, I have used online chat, I have even written and NO ONE from this company will help me. It seems like such a simple thing to turn off but everyone keeps telling me they are manual transfers. I have n't lost my mind. I am not transferring {$560.00} myself every XXXX of the month. I have screenshots to show the manual transfer page that has no history of the {$560.00} transfers. I have screenshots of my bill pay page that shows no bills to my credit card. I have screenshots to show I have no auto-transfer and no auto-pay set up between my checking account and my credit card. Every time I contact them, they do not take me seriously. 

I have yet to receive a response to my written complaint that I sent via first class mail. I would n't be surprised if they denied ever receiving it. It 's a shame because I have been a Citi customer for nearly 10 years 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 explanation