vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 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: The CMI Group, Inc.
State: OH

Complaint narrative:
I had an account with XXXX XXXX XXXX back in XX/XX/XXXX ; however, I did have their equipment which was showing that I owed XXXX XXXX XXXX {$500.00}. On XX/XX/XXXX at XXXX, I physically returned the equipment and received a receipt showing the return of the equipment. There was no information indicating there was a balance on the account. I called XXXX XXXX XXXX ( now known as XXXX ) one week later asking on when my credit report would be updated accordingly. I was then advised that I owe {$220.00} from a previous address back in XX/XX/XXXX. I explained that I did not have an account with XXXX XXXX XXXX back in XX/XX/XXXX - XX/XX/XXXX with the address identified, yet during that timeframe I did have an account with XXXX XXXX. And the account I held with XXXX XXXX closed when I returned their equipment back in XX/XX/XXXX. The representative explained that XXXX XXXX XXXX acquired XXXX XXXX which is how the delinquent account appears on their system. I then explained that even it is possible that I owe an amount with XXXX XXXX ( which I do not ) it is past the statue of limitations to collect and merging a previous bill does not seem to be right. I then asked for a bill to substantiate the amount owed. The representative then advised that they are unable to send a bill via regular mail or e-mail but I could go to a store to request this information. 

A few days later I contacted the collection agency asking for more information and I was advised that the amount owed is now {$220.00} instead of {$500.00} and if I need to dispute this information, then I can go to their website and add my dispute. 

I contacted XXXX by phone to dispute and a few days later I received notification that the {$500.00} amount is reporting accurately. I have also tried to dispute this with the other major credit bureaus and I am unable to move forward with my dispute. I am also unable to re-dispute this inaccurate information with XXXX. 

The issue here is that this information is still reporting the same on all 3 of my major credit reports even after I returned the equipment to XXXX XXXX XXXX and was given a receipt that did not show information that there is a remaining balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My first problem with Experian is that I have filed a dispute in regards to two items on my report. The first one was for XXXX XXXX XXXX. This is a company that I have not done business with. They said they did a re-investigation and found that it meets the Fair Credit Reporting Act. I ca n't see how since I never did business with them. But, they said they " updated the information '' to read XXXX XXXX as the creditor with original creditor as XXXX XXXX. I have not done business with them and do not know what this is. 

The second is a medical collections account for my daughter. The creditor is listed as XXXX XXXX XXXX. This is from a bill that is her father 's responsibility. He has called them and taken responsibility and set up a payment plan with them. We are divorced and he is to pay 60 % of her bills. This is one that was his to pay. Since he has called and taken responsibility, I do not understand why they would put it on my credit. It is not mine to pay.

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 2017-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP
State: ND

Complaint narrative:
I had pay day loans with a place called Continental Loans. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. 

We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. 

We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our credit report.

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 2017-08-23 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: LA

Complaint narrative:
Public Record needs to be removed from all three credit bureau 's based on unverified information. Account is suppressed and frozen with XXXX. Court does not verify with the credit bureau. Please remove bankruptcy from Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JC Morgan Chase did not correctly respond to my complaint numberXXXX Our final payment was initiated at the dealership, not by us. Therefore it is impossible for us to cancel the auto payment after the auto loan and then paid off. 

Continued to draft account, and then in the response charged us with the responsibility of canceling it, which is impossible. 

Drafted of funds from our account should have been returned within 48 hours, even though the bank Identified that the rejected should be credited to our account The funds fundamental were held for almost 3 weeks This delay in processing is in direct Violation of banking regulations specifically for mission time frames.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPS services was sold my 2nd mortgage account from XXXX mortgages. I filed bankruptcy and it was discharged in 2009 with XXXX. SPS services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXXXXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX Select Portfolio Servicing, inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2016 I was offered an opportunity from Chase to try several products at no or little cost. I requested XXXX XXXX and XXXX XXXX. 
The address and phone number of these two companies is XXXX, FL XXXX XXXX I received one bottle each of these products for four months. I never used these products or opened the bottle. I was not aware that my credit card was charged for these items. 

In XXXX I called the companies and was able to get a refund for the two most  recent bottles shipped. However, the companies refused a refund for the preceding months, in spite of the fact that I offered to return the unopened bottles. 

In XXXX I called my Chase regarding this dispute. I am attaching a copy of the letter which fails to resolve my dispute satisfactorily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Empowerment Ventures, LLC
State: TX

Complaint narrative:
UniRush prepaid card I have been fighting over 2 weeks to have my pay check released from RushCard ( deposited XXXX/XXXX/XXXX ). The run around you get going through management is unethical behavior for any business. I sent statements with my signature as requested, I was told on many different conversations with management that my check would be released over night, and it has been two weeks and still no check!! The unethical behavior is holding a check for the return interest the company receives on the money while the customer suffers with the results of GOOD FAITH/BAD FAITH POLICIES. 


Another response I made to RUSH card a few days after the 1st statement above. 


I am aware of the deposit amount that I ca n't seem to gain access to after 2 weeks of waiting for a canceled dispute. I have been waiting for a suspension on my account to be removed. The Disputes dept. refuses to release my funds even though they have received all requested documents from my husband XXXX. I am about to lose my car because I ca n't use my account. I have been told everyday for the last 2 weeks that it will take an additional 24-48 hours before resolution. It is not fair that I have been with your company since XXXX and this is how you treat a loyal customer. I am not able to sleep which is starting to affect my ability to work or function for that matter when your sitting up all night waiting for a Tow Truck to come and take your property simply because my card company ca n't close out a case that has been ESCALATED EVERY OTHER DAY!

Company response to consumer: Untimely response
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The negative reporting on my account involves XXXX XXXX XXXX XXXX and a Collection Agency XXXX which continue to report inaccurate information to all three repositories. Furthermore, they have all received letters of disputes, however, continue to report these inaccuracies to all three credit bureaus. 

The car purchased was paid in full with the terms of the contract, in addition, a overage was paid to the dealership. I was tricked by the dealership who then sold the car again and then demanded a bogus amount above and beyond the contract : See attached.

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 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have asked Portfolio Recovery to only contact me by mail. I have also informed them that I do not believe the debt is owed by me and would like to research if they mailed me the information. These harassing calls have continued for over 4 years. The calls come from different numbers every time. The most recent call was XXXX XXXX, 2017 at XXXX XXXX. They continue to call 3-5 times per week. They are rude and very aggressive. They will also immediately call back from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23 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: CHECK INTO CASH INC.
State: AL

Complaint narrative:
I received an email alert from XXXX that I had two ( 2 ) recent credit inquiries that I did not authorize. Both were considered soft inquires, but it is still unknown if account was opened in my name without my permission. 

The first occurred on XX/XX/XXXX by Check into Cash at ( XXXX ) XXXX in Tennessee and the second one occurred on XX/XX/XXXX by XXXX XXXX. I know the XXXX XXXX has been investigated in the past for this. 

Check into Cash is looking into this matter and because of the known past history of the XXXX XXXX, I did not contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
This is my 2nd complaint against Capital One for the exact same reason. 

I have been repeatedly denied a credit line increase on my Capital One credit card account. I have made all payments on time ( aka no late payments ) the life of the account and have paid my account in full the past few months. I have made several inquires into why I 'm being denied a credit line increase via email, chat, and phone. Each time I inquire as to why I 'm being denied a credit line increase I am told that the customer service/customer service supervisors can not help me and to read my letters of denial. The denial letters I 've received give no explanation as to why a credit line increase is being denied except that my " account is currently being reviewed at the current credit limit ''. I have contacted the company via chat - I 'm giving 'canned ' responses, I 've contacted consumer affairs for Capital One - no one responded. 

I filed a Better Business Bureau on this same issue about two years ago, and again I 've filed another complaint this past week. I am not being provided with a valid reason why this credit line increase is being denied, nor is Capital One providing acceptable customer service on this issue. I believe I may be being retaliated against by Capital One because I filed a complaint with the BBB two years ago, and fear this retaliation has and will continue as I was forced to file yet another BBB complaint and now another CFPB complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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:
XXXX services was sold my 2nd mortgage account from XXXX mortgages. I filed bankruptcy and it was discharged in 2009 with XXXX. XXXX services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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:
XXXX services was sold my 2nd mortgage account from XXXX XXXX. I filed bankruptcy and it was discharged in 2009 with XXXX. XXXX services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT 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 2017-08-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Reference : Ally Bank Case # XXXX -- XX/XX/XXXX -- Spoke with Ally Bank Rep regarding incorrect monthly interest payment based on my current annual interest rate of 1.5 %. I was told that in 10 business days I would receive the interest payment, in arrears, from XX/XX/XXXX.
-XX/XX/XXXX-I followed up with Ally Bank Rep since I had not received the interest payment in arrears. I was told that nothing was done, but that it would go out this day, XXXX, at Ally 's expense, and that I could call back after mid-night for a XXXX XXXX tracking number, and that I would receive my check in 3-4 days.. 

-- XX/XX/XXXX-I followed up again to obtain the tracking #, but an XXXX Supervisor said  the recalculation was in process and that there was no tracking number yet. 
I was also told that I would be contacted by XXXX within a day with an update as to tracking number and check amount. 

-- XX/XX/XXXX-No update received

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 2017-08-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I just checked my credit report and looks like I am responsible for a lot of credit card that do not belong to me or have my social security number on file. All those credit card except very few belong to my husband and I am

just authorized user. I do not like a fact credit card companies did that. It is wrong. It is also shows that my oldest credit line is 18 ye
ars old. This is impossible, because I live in USA just 6 years.

I will include copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
The problem is that the loan I took out with USbank is an Installment loan. With no future advances. That the deed of trust that USBANK does not reflect this.
The Deed of trust that USBANK recorded says in clear english that I have line of credit. It also says that I can make future advances.
Even after USBank has reviewed this they still say they have done nothing wrong even the DEED OF TRUST and their letters are clearly are in conflict with each other.
I am Requesting that USBANK make an amendment to what they recorded to CLEARLY reflect that the loan I have is an INSTALLMENT LOAN.
This is needed because 5 different title companies have reviewed the current Deed OF Trust that USBANK sent to their title company to be recorded. All 5 of the title companies that I had review the Deed of Trust inturpeted the current recorded DEED OF TRUST to say that I have LINE OF CREDIT with future advances not an INSTALLMENT LOAN. All 5 companies state a letter from USBANK that says it is an installment loan does not change what they had recorded and all 5 companies said that could offer title insurance on the property with the loan recorded as and Installment loan.
As a result of USBANK interpetation of what they recorded and refusal to amend what they recorded to more clearly reflect that I have an installment loan has kept me from being able to get a Home Equity Loan and has cost me 5 months delay in getting a loan and has currently cost me .25 % on any loan that I will get. This quarter point will cost me {$5300.00}.

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 2017-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
XXXX/XXXX/XXXX Original Bill with XXXX XXXX hospital, worked out a payment plan with Billing dept at XXXX XXXX hospital, made payments on time every month, in XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX said that hospital turned over to collection agency, called XXXX at XXXX XXXX Hospital to find out why, they told me it was a mistake, but just to keep making my payments on time and there would not be a problem. I received a letter in XXXX of XXXX from Lotane & Associates, PA, I still have not missed a payment, around the date of receiving the letter my family members ( wife, daughter and sister ) were being contacted by this company stating that they had a warrant for my arrest and needed to find me, they had my phone number and address, as they left a message on my cell phone while I was at work. I called them when I got home, they were telling me they were taking me to court, going to garnish my wages and place a lien on my home and take possession if I did not pay the bill in full. I told them I had a payment arrangement worked out and that I had not missed a payment and that I did not have the money to pay the bill in full, I asked to stop calling me and my family that they had my address, they should contact me by mail in the future and that I would continue to send my monthly payment that is the best I can do. They have continued to accept my payments and cash my checks at XXXX every month and I had not heard from them again until this week, when once again I started getting phone calls threatening garnish my wages, have me arrested and place a lien on my home, my wife has received 3 phone calls at work from these people, they called my sister at XXXX last night and my daughter twice this week. I have not received any further communication from them in the mail at all. I spoke to them today and they threatened to continue calling my employer, and family membersuntil this bill is paid in full. I can not pay this in full at this time, but I have not missed a payment and the harassment from this company could cost me my job as well as the embarrassment they are causing by calling all of my family members, I have no idea how they would have gotten any of the phone numbers other than mine and my wifes.

Company response to consumer: Closed with explanation