vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: J&D Recovery, Inc.
State: NY

Complaint narrative:
XXXX XXXX of J & D Recovery , Inc contacted my office regarding an outstanding invoice with a New York based company, XXXX  XXXX XXXX XXXX. I requested that XXXX XXXX send me an email with written notification of the debt, as my company had paid the invoice the previous year. XXXX XXXX sent me an email but did not include notification of the debt, nor the outstanding invoice in question. I responded to XXXX XXXX 's email with information that the check we had sent the previous year had not cleared, that I had stopped payment and reissued the check, and gave the date upon which it was sent. I then requested that his company stop contacting us. Over the following three weeks, XXXX XXXX has made phone calls to my office that exceeded ten phone calls per day. He has repeatedly used abusive and harassing language when he has spoken with myself and my colleagues.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have asked XXXX for copies of my contract with my signature. They are reporting two accounts with one included in bankruptcy which I have never been in. 

I have asked for both accounts on my credit reports to verify the signature and they have not sent me copies after a few request to do so. The included copies show a payment schedule but no proof of payments made and no proof of a signature. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 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: CA

Complaint narrative:
On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

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 2018-05-10 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: CA

Complaint narrative:
On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had made wire transfer of {$1500.00} on XX/XX/2018 to XXXX XXXX through wells Fargo bank XXXX XXXX branch. wells Fargo bank has guided the rule that IBAN number should be used instead of account number. the banker who did the wire was unaware of that and she used account number instead of IBAN. After that the Wells Fargo team self generated the IBAN number without my consent and credited the amount to generated IBAN. And IBAN created by them is XXXX and which is NOT CORRECT different from my beneficiary IBAN # XXXX. Now they are calming that we credited the fund to the right account. It's impossible to have 2 IBAN # for one account. My beneficiary is still calming that he has not received the fund yet. Now wells Fargo bank is saying that its the beneficiary and the consumer 's problem. They are saying that wire department is not taking responsibilities for the mistake made by them.I have been continuously making contact with Branch manager and the bankers involved in this case. But they are saying that I should provide the proof that my beneficiary has not got fund. If they had already credited the amount to wrong account number how can my beneficiary gets the money. I have no where to go from here and i would greatly appreciate any help from your part. I am the sole provider for my family as my dad just underwent XXXX XXXXXXXX and I that money was loan repayment for my dad 's load. I am in no position to make another payment of same amount as i pay for my family expense and my school too.

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 monetary relief
Consumer complaint received 2018-05-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Over two months ago, I sent a request to Experian, asking them to investigate errors on my report. They have not responded yet.

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 2018-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
XX/XX/XXXX original date of service by XXXX XXXX My insurance provider at the time XXXX XXXX XXXX. Work performed " Normal XXXX '' covered 100 % by insurance.

XX/XX/XXXX was informed when wife went in for work I had a {$220.00} bill outstanding, never received any bills.

XX/XX/XXXX received collection notice for {$270.00}.

XX/XX/XXXX contacted Americollect to get original debtor information.

XX/XX/XXXX conatacted XXXX XXXX to see why outstanding balance. Was informed refused by insurance.XX/XX/XXXX contacted insurance provider. Was informed it was denied becasue they did not supply pre-treatment XXXX.XX/XX/XXXXcalled XXXX XXXX back informed them what had to be done and insurance would cover. They informed me they would resubmit.XX/XX/XXXX placed dispute with all three bureaus for this account.

XX/XX/XXXX pulled free credit report as we are looking for first home purchase.

XX/XX/XXXX Collection is still active.

XX/XX/XXXX called Americollect again, informed them it was in dispute. Refused to give me contact information for billing of original debtor, only name of business.XX/XX/XXXX conatcated XXXX XXXX a second time. Got same information as first " Denied by insurance ''. Informed them again how to get it paid.

XX/XX/XXXX Called XXXX XXXX, spoke to XXXX. He verified why it was denied and they need to resubmit, but have not done so. Had record of me contacting them first time.

XX/XX/XXXXcontacted XXXX XXXX  again told them to resubmit, verified with XXXX XXXX   and gave them date of first contact and they have done nothing. They had no record of my first contact in XX/XX/XXXX said they would resubmit. Spoke to a XXXX   who said she would resubmit. Asked to have it removed off report and collections since it is on there by their error and not mine, was denied. She said she did have the authority to do that. I asked who did and asked for supervisors name was only given first name ( XXXX ) no phone number.

XX/XX/XXXXcalled Americollect and informed them this account is in dispute she said she would make a note of it.

To date no action has been taken by collection agency or XXXX XXXX to solve the dispute filed with all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: CA

Complaint narrative:
THIS IS NOT A NOTICE OF DISPUTE REGARDING AN ITEM APPEARING IN THE EXPERIAN FILE.

This is a follow up to a prior complaint against Experian with the CFPB ( Complaint Number XXXX ) filed via consumerfinance.gov onXX/XX/XXXX.

Experian FAILED to answer the specifics of my complaint, and for this reason, I am resubmitting the complaint.

First of all, Experian is REQUIRED by the rules clearly spelled out in the Fair Credit Reporting Act ( " FCRA '' ), to provide a consumer with the " Description of the reinvestigation procedure. '' 15 U.S.C. Sec 1681i ( a ) ( 7 ).

My NOTICE and complaint against Experian was quite clear, it was a follow up to a PRIOR dispute regarding a factual error on the consumer report, for which Experian claimed the item was " verified. '' It was NOT a dispute itself, but rather a FOLLOW UP TO A NOTICE OF DISPUTE, as per dispute rules of the FCRA.

The Report # was XXXX, dated XX/XX/XXXX. The item in dispute was " XXXX XXXX XXXX '' Experian may NOT simply " parrot '' information from a furnisher, and claim an item is " verified. '' Since this complaint is NOT A NOTICE OF DISPUTE, Experian DOES NOT have my permission to share any personal information regarding this CFPB complaint with the furnisher, and simply pretend that it is a dispute so that it can simply claim the item is " verified. '' This complaint is a NOTICE to Experian pursuant to the FCRA, and Experian MUST ONLY provide me with the following : 1. The EXACT PROCEDURE it used to " determine the accuracy and completeness of the information '' in reference to the Report # XXXX. This includes the PHYSICAL DOCUMENTS that Experian used to verify that the item, including all amounts and payment history were being reported accurately.

2. The NAME of the person that Experian contacted ( vague responses of " furnisher '' or " the company '' will not suffice ). Experian must list the SPECIFIC NAME of the person it contacted ( " person '' is defined in the FCRA, under Sec 603 [ 15 U.S.C. 1681ia ] ).

3. The BUSINESS ADDRESS of the person that Experian contacted regarding the dispute.

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 2018-05-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently reviewed my annual credit report and found that there are adverse remarks on my record. I have a charge off remark from the credit card Chase Slate. However, I profoundly disagree with such remarks. This reporting done on the behalf of chase is inaccurate and although I have reached out to them they have failed to resolve the issue.

On or around XX/XX/XXXXI decided to end my business with Chase as a result of the negative experiences I had with the bank. I switched over to my local credit union and when I ended my affiliation with them I could no longer access the online accounts which included my Chase Slate. As time progressed I expected to receive statements from the Chase credit card, but they never arrived. I never received any phone calls to attempt to collect my payment as many other cards do. It is important to note that my phone number has not changed in the past 15 years. Six months later on XX/XX/XXXX, I received a phone call in which I was notified that I was past due on the account and they were attempting to collect what I owed. The amount the person told me to pay was {$880.00} which I diligently paid as instructed. The person failed to inform me that I still owed {$370.00}. It is also important to note that I never received documentation that confirmed my payment to the debt. As a result of their failure to fully disclose any further information, the {$370.00} became the amount that has been charged off since XX/XX/XXXX without my knowledge or consent.

Had Chase been transparent with me and solely wanted to retrieve their money I would have paid the full amount as I did when I was instructed to pay the {$880.00} amount. I feel that the failure to inform me of my own account has resulted in a black mark on my record and has haunted my credit score for years. I reached out to Chase again in XX/XX/XXXX and threatened to seek legal action and it was until then that they agreed to remove the charge off and settle the debt. I again reached out to Chase a few days ago and was informed that it appeared that my debt had been sold to a debt collecting company, come to find out this was another LIE. After reviewing my bank statement for the month the debt was PAID, it shows the payment went to CHASE, chase E-pay to be exact is what it says on my statement. I am infuriated by the lack of professionalism Chase has demonstrated when trying to solve this problem, lies after lies. I am infuriated because this is absolutely not an accurate portrayal of my reliability and dependability to pay my debts in a timely manner. I feel I have been underhandedly placed in this situation due to my discontent with the problematic and fraudulent company that Chase is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: GA

Complaint narrative:
XX/XX/2016 Royal mortgage charged me {$400.00} for an appraisal that was not required to refi. After my appraisal failed, XXXX XXXX told me i was angry because it failed. Im angry because he took {$400.00} for no reason. I had contacted XXXX XXXX  for the same refi and discovered it did not require appraisal. The loan was, under a XXXX XXXX  or XXXX XXXX who waive appraisals. I called XXXX XXXX asking why he charged me, he said he didnt know until after it was, done. I ask for money back and he ignored me. I was, with XXXX XXXX   and i provided loan #.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
My house has an FHA loan through Caliber Home Loans. I have been trying to get reviewed for homeowner help programs for many months but Caliber has never completed this review. Every time I call in I talk to someone different. When I send in the paperwork they always lose or misplace it. When I ask to talk with a XXXX speaker I get put on hold and don't get anyone to help me. I am frustrated and now have a sale date on XX/XX/XXXX. I had a temporary hardship but now want to fix this problem and begin making payments again. Caliber has not given me access to the government programs that are set up to help homeowners in my situation like modification and forbearance and others. They are supposed to help me and let me have an account manager who speaks XXXX  and review my financial information but they have not done this.

I bought this home about 2 and a half years ago with an FHA loan through XXXX XXXX XXXX that was immediately transferred to Caliber by the time of the first payment. I had a good full time job working in a XXXX when I buy the home along with my wife and adult daughter who live here with me. I had problems when I got laid off from my job in the summer of XX/XX/XXXX I could not keep up and began missing mortgage payments. I did side jobs and XXXX jobs to feed my family but could not find full time work for several months. I tried applying as soon as I went late and sent all of the paperwork in to Caliber but nothing ever happened. I would send in all of the papers but then be told that something was missing so I would have to send that in and this happened over and over and then they would break off contact and then I would have to start over. I never had a dedicated point of contact, it was someone different every time. I had requested to work with a XXXX speaker since that was my native language but that was literally impossible for Caliber to do for me.

I am now working full time doing XXXX and XXXX  and in a better place and able to afford a fair mortgage payment. The problem is that Caliber gives me the false statements and ignores my requests for help. Instead of doing a review of my financial information they set me for foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: FL

Complaint narrative:
Someone has been stealing my identity since 1996 and until now I realized that it is the first time that I request my credit report. The date of birth is incorecta. several directions I have not lived, that person has bought a car with my name, travels to different countries, purchases in different stores. I need to know what is the proseso to solve this problem and sue this person for fraud.

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 2018-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I made a payment for {$260.00} on XX/XX/2017 to my GM Financial Auto Loan. At the time of this payment. My prinicpal and interest payoff ( excluding late fees ) was {$250.00}. According to GM Financial 's payment hierarchy, the payment ahould have been applied to principal and interest first, then any overage gets applied to late fees. GM Financial put thjs payment 100 % to late fees which is causing me to show past due for a principal balance that I should not owe. Under the fair credit reporting act, late fees are not a reportable debt. GM financial promised to rectify this issue inXX/XX/XXXXby reallocating the XX/XX/XXXXpayment to principal and interest and updating my credit report. This has yet to be done and is preventing from getting approved from credit. This is a missapproriation of funds, and GM financial needs to take care of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10 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: ACS Education Services
State: GA

Complaint narrative:
I discovered that there are late payments listed during my installment period and I have made several attempts to correct the issue. Your company has continued to report incorrect information. I had several loans with other lenders at the same time and there were NO Delinquencies. These loans similar to the loan I had with you were in a deferment period.

The loan has been closed and the debt to you has been PAID IN FULL. However, your company is still reporting this erroneous information to all credit bureaus. This is clearly a clerical error on your companies end. I do understand that things happen. But I would like to request that one of two things happen moving forward : 1. My credit file is updated with all lenders showing that the payment was not late.

2. Since the loan has been PAID IN FULL! Your company remove all records of the debt from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: TX

Complaint narrative:
For more than 6 months now I have been constantly harassed by Portfolio Recovery Associates to collect depth obligations that I really dont remember owing or is too old. They have on several occasion used Autodialer to call me on my cellphones without permission, I will pick up the call and will say hello! hello! hello! then after more than a minute somebody will come on the line. 
They call me frequently and repeatedly from several out of state numbers, late at night, at work, and on my cell phone after I have told them not to call me. 
They have on several occasion told other people that answered my home phone or work phone that they are trying to reach me on personal matter relating to dept collection.

Company response to consumer: Closed with non-monetary relief