vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On my Transunion report # XXXX dated XX/XX/2019 inaccurate information from the US Dept of Education was correctly removed from my report. Transunion then illegal re-added these items without any notification which is a violation of CRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] regulation.

Please find an excerpt below.

Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notice from Transunion.

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 2019-11-14 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX I received a email from XXXX  stating that my Victoria 's secret card had dropped my score down 33 points on the credit report they're reporting that it was not paid in 3 months which I'm on a hardship program that allows me to pay {$20.00} a month for the payment I have been paying the payment for the last 3 months I did not make XXXX XXXX payment but I was going to make it on Sunday and they are reporting that I'm 3 months behind when I am not I've repeatedly called Victoria 's secret to tell them that my account is being reported in the accurate they said I need to take it up with the credit bureau I've disputed it with the credit bureau and the credit bureaus telling me that I have to take it up with Victoria 's secret and right now they're causing my credit score to go up and down for the last four months they have been going back and forth into my credit reporting and taking my score down 33 points one time 25 points one time 50 points almost one time before this and it is an abuse the account is closed I've been asking them to remove the account the credit for the account was {$300.00} that turned into almost {$900.00} worth late fees and finances fees.this card has been closed for over three years and I've been paying to try to get the card back down to the lowest credit utilization so that way I can maintain a balance of {$300.00} which was the original credit amount this credit card company has been nothing but a pain because they do not do anything to help the consumer I've been calling them for the last month or so just in reference to them going into my checking account to take out {$20.00} when it was already paid I would like to dispute this one again and file a complaint as formal complaint this time because I'm going to consult a lawyer after this because I can't get any result from Victoria 's secret neither the consumer finance government.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: NJ

Complaint narrative:
XX/XX/XXXX I received a email from Experian stating that my XXXX XXXX XXXX card had dropped my score down 33 points on the credit report they're reporting that it was not paid in 3 months which I'm on a hardship program that allows me to pay {$20.00} a month for the payment I have been paying the payment for the last 3 months I did not make XXXXXXXX XXXX payment but I was going to make it on Sunday and they are reporting that I'm 3 months behind when I am not I've repeatedly called XXXX XXXX XXXX to tell them that my account is being reported in the accurate they said I need to take it up with the credit bureau I've disputed it with the credit bureau and the credit bureaus telling me that I have to take it up with XXXX XXXX XXXX and right now they're causing my credit score to go up and down for the last four months they have been going back and forth into my credit reporting and taking my score down 33 points one time 25 points one time 50 points almost one time before this and it is an abuse the account is closed I've been asking them to remove the account the credit for the account was {$300.00} that turned into almost {$900.00} worth late fees and finances fees.this card has been closed for over three years and I've been paying to try to get the card back down to the lowest credit utilization so that way I can maintain a balance of {$300.00} which was the original credit amount this credit card company has been nothing but a pain because they do not do anything to help the consumer I've been calling them for the last month or so just in reference to them going into my checking account to take out {$20.00} when it was already paid I would like to dispute this one again and file a complaint as formal complaint this time because I'm going to consult a lawyer after this because I can't get any result from XXXX XXXX XXXX neither the consumer finance government.

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 2019-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
I can't see very well or read well. I took a {$1500.00} title loan on my truck and was told it would {$1600.00} to pay back. I finally got someone to read it to me to double check and they expect me on social security XXXX to pay over {$8000.00} back. Aren't they ripping me off? Isn't it illegal to charge that much interest? I'm paying on it but {$8000.00} ... .. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Bank is intentionally reorganizing the way they post charges to maximize overdraft fees. They posted 1 debit charge dated the XXXX first and then 2 dates the XXXX next, which caused 3 overdraft fees of {$34.00}, when it should have only been 1. On the XXXX when I got gas I checked my account and had approximately {$5.00} on it, so I knew I would have to pay 1 overdraft fee. Yesterday I was notified my account was now Negative {$140.00} due to the 2 extra overdraft fees. The banks should not be allowed to intentionally post debit charges out of order to maximize fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
From XXXX through XXXX of XXXX, I was unable to pay my Capital One credit card due to the Government shutdown that had taken place around XX/XX/XXXX and lasted approximately 35 days. I work as a certified XXXX XXXX, and my wages were put on freeze during the shutdown, placing me in a position of temporary hardship. I missed 3 payments on my capital one credit card, putting me at 90-day delinquency on my credit report. However immediately paid the entire balance once I began receiving my wages. I send Capital One a Goodwill letter explaining the situation and requesting that they remove the delinquencies from my credit report, and also provided a letter from my employer. They sent me a letter declining to delete the derogatories from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX I sent in a check for {$10000.00} to completely pay off my credit card. At that time. The account showed a negative balance of {$420.00}. 
IT IS ILLEGAL TO ADD CHARGES TO A CREDIT CARD AFTER THE CARD HAS BEEN PAID OFF!!! 

AFTER THE FACT, on XX/XX/2019, Chase decided to charge a {$75.00} interest fee ... AFTER THE CARD HAD BEEN PAID OFF 100 % on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mortgage company acquired my reverse mortgage in XXXX. 
My taxes have always been paid by me over the nearly 30 years I have lived in my townhome, always when due, on time and in full, as the tax records sent by my tax office to the mortgage company will confirm. 

The mortgage company claims they had to pay my taxes on XX/XX/XXXX - {$1300.00}, XXXX XXXX, XXXX - {$130.00}, and XXXX XXXX, XXXX - {$1.00}, XXXX. My tax records speak for themselves, that I alone have always paid my taxes when due, in full and on time ... Where is the proof of mortgage company payments. My tax office would gladly return any payment received from the mortgage company, as it would never have been necessary, as I have always paid my taxes on time, when due and in full, as noted in my tax records, which were sent to the mortgage company. The mortgage company wants me to pay them for the money they claim to have paid for my taxes, as well as their claims for mortgage insurance fees which they said they also paid. It is common practice for townhome/condo associations to always have a blanket insurance policy. This was also sent to the mortgage company. Any insurance paid by them was not necessary. 

ACTION FOR A FAIR RESOLUTION : I want the mortgage company to take a closer look at the facts of their claim and postpone or simply stop this foreclosure or sheriff sale. 

I would further ask that the mortgage company put in writing, the required documents to make void, a foreclosure or sheriff sale. Copies should be sent to me, and all parties with a need to know, stating that your complaint no longer escrows my account. 

Finally, I would ask that you notify all credit bureaus that I have never ever been in the arrears with my taxes and +my account with you is, and has always been, in good standing Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IA

Complaint narrative:
i received my CD for closing and i have an un agreed origination fee of 3.125 % fee or {$10000.00} which was not discussed or agreed during my conversations with the loan officer. The loan officer ( nmls XXXX ), told me all borrowers have the same fee which is a complete lie. I will never do business with Quicken Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I received a letter dated XX/XX/XXXX from Wakefield and Associates notifying me that a medical debt from XXXX XXXX XXXX XXXX XXXX had been listed for collection in the amount of {$1600.00}. This was presumably for services rendered at XXXX XXXX XXXX XXXX in XXXX AL on XX/XX/XXXX. On or around this date, I also noticed a derogatory mark placed on my credit file by Wakefield and Associates in the amount of {$190.00}. I immediately responded in writing requesting verification of the debt. I also called the hospital directly as I was set up on a payment plan to pay of the medical debt incurred during the hospital stay in question since I was uninsured at the time. Payments have been made monthly in the amount of {$98.00} since XXXX of XXXX. The last payment posted was on XX/XX/XXXX. I received a letter from Wakefield dated XX/XX/XXXX which confirmed that the name, address, and amount were correct that was placed in collection. Enclosed were itemized statements which clearly show ongoing payments toward the debt to the original creditor XXXX XXXX XXXX. Furthermore, my payments are even detailed on the account summary provided by the agency notwithstanding the most recent payment which cleared my bank on XX/XX/XXXX. When contacting the hospital, they tell me that I must contact the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: NC

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft from a corporate security breach. This information does not relate to [ transactions that I have made or accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.I have tried through written correspondence, yet Transunion has ignored my disputes The acounts are as follows : XXXX : XXXX XXXX XXXX : : XXXX XXXX : XXXX XXXX XXXX : XXXX SXXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX 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 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: AR

Complaint narrative:
I started a debt relief program with freedom debt relief. They sent me a flyer with a loan amount on it that happened to be exactly the amount of credit card debt that I held I called and was instructed by the associat that I was approved and that he could help me settle the credit card debt I had. While in a lengthy phone call with the associate of freedom i was instructed that i was approved for the loan and all they needed was the account numbers they instructed me to stop paying on the accounts I had enrolled with them. After about a month I started to recieve collection letters in the mail from the accounts I had enrolled with freedom I called them with my concerns stating that I was supposed to recieve a loan to take care of these accounts they told me that I was never approved for a loan that I was enrolled in their " hardship '' program I explained to them that the was their associate had told me I was approved for a loan and that the accounts I had enrolled with them were supposed to be taken care of and that I was instructed to stop paying on those debts. They tried to explain to me that I misunderstood the associate and that I was enrolled in the hardship program and that I was unelligable for the loan I explained to them that I wouldnt of signed up for the hardship program because I was current with all the companies I had signed up through them and that they needed to listen to the recording of me talking to their associate and could easily see that I was mislead into the situation by being promised a loan. Since dealing with freedom I have called on different occasions and spoken my concerns I told them I recently purchased a home and was afraid that my home owners insurance premium would increase I was assured that my insurance amount would not increase. Since then my home owners insurance premium has went up % 50. I've tried to contact them and speak with them about recordings and being mislead on the phone and basically they told me the reco derding were too old to go back and retrieve and that their associate did not mislead me and that It was basically my fault I'm still dealing with the company and the exorbitant fees associated with them I would appreciate a call back or a letter thank you XXXX XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft, and have filed a complaint with the Federal Trade Commission. I am disputing a collection item placed on my credit report XX/XX/2019, with a company known as XXXX   This item was removed from my credit report back in XX/XX/2019, and has been placed back on my credit report to Equifax, XXXX  & XXXX XXXX. 
I have never had any business dealings with a collection agency known as XXXX XXXX, nor have I signed any documents or agreements with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: KY

Complaint narrative:
I currently applied in XX/XX/XXXX for the student loan forgiveness program. At first the program was under the name " XXXX XXXX XXXX '' it was then " sold or transferred '' to XXXX XXXX XXXX. When I applied and was granted, I had to provide bank statements, documents signed by my principal, and tax information. At the time I qualified for the 10 year forgiveness program and began my payments. When information for renewal came, I renewed my information XX/XX/XXXX and continued on with payments. They were automatically withdrawn. XXXX XXXX XXXX XXXX PPD ID : XXXX ACH debit {$61.00} Payments stopped in XXXX, however I didn't notice until last month. As I have been trying to inquire as to what is going on, I have received little to n information. I was actually sent an email from a coworker regarding a " lawsuit '' against XXXX at the end of XXXX and I checked payments to realize they hadn't taken one out for the last two months. 
I do not want to have a bad credit standing with the Student Loan people and have worked hard to pay off all my additional debt besides my Student loans due to this program. I am currently in the process of building a house and do not want this to affect anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I am so upset with Huntington bank right now. I made a payment for my car on XX/XX/XXXX in the amount of {$470.00}. The check didnt go through and I was fined by my bank. I called on XX/XX/XXXX to Huntington to see if this payment would try and come out again before I made my car payment again. She said no the {$470.00} will not come out of your account go ahead and make another payment so I did make another payment of {$470.00}. Wouldnt you know they both DID end up coming out and at the same time! We have other bills to pay. Like what the hell? So I called again really ticked off on XX/XX/XXXX. A girl named XXXX said she was over nighting me a check for {$470.00} and it will be there by Tuesday due to the holiday and if it isnt to call. Well I called back today, because its Thursday the XXXX and I have received no check. Today a girl named XXXX I think told me I will not be getting a check at all. It was denied I receive it. Like are you kidding me!!!???? Two times by the company I was told wrong! It is awful when I can not afford my bills and I was expecting a check on Tuesday so I could pay those bills. We are already struggling due to our XXXX year old being in and out of the hospital. I was mislead by this company and its very very unfair. All they want is my money. This really put my family in a financial crisis. They do not care about the well being of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND FUNDING LLC is reporting a debt and trying to collect on a debt that is not mines Ive wrote the company on multiple occasions in XXXX and XXXX to validate the debt with NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: MO

Complaint narrative:
American first finance is a predatory lender and I believe they violated state and federal laws protecting consumers. We discussed what was expected and they did something entirely different.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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:
There are several accounts that are inaccurately reporting late on my credit file. 

Equifax, XXXX  and XXXX  is reporting that I was 30 days late with XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX when I was not. 

XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX Equifax - XX/XX/XXXX and XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : XXXX and XXXX  - XX/XX/XXXX Equifax - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation