vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 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: ERC
State: IL

Complaint narrative:
I have made 3 attempts to receive documentation pertaining to the investigation that XXXX   conducted as part of their practice to investigate and validate any collection reporting on my credit. XXXX has failed to provide me with documents such as a signed contract by me. 

Following below is what I have been demanding XXXX XXXXo provide me with and yet XXXX has failed to provide with with such proof. XXXX has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I have Barclays Credit Card that I regularly make payment to through my bank 's bill payer service. I have made regular payments for the last 2 years without a hitch. However, in XX/XX/XXXXof this year, I started receiving telephone calls from the customer service department of Barclays demanding payment. I explained to the individual that my payment was sent via my bank as I have done for the past 2 years. Every 2 weeks since I have received calls asking me to pay the minimum due. I explain to the rep that I have made the payment as I have previously done, so please check you records. I have submitted information from my bank showing that payments were sent and cashed. My bank also sent Barclays a copy showing the checks sent were cash. On XX/XX/XXXX I  received a letter in the mail stating that my account is delinquent and my account was canceled. I called Barclays immediately and after explaining my issue was left on hold until there was no dial tone on the line. I called back and in an effort to minimize the conversation, I asked the new rep to review the notes. She was able to locate the prior notes but notice no movements on the case. I have made 4 payments since the beginning of the year totaling {$3000.00}. There 4 payments in total but they have only credited one to my account. They have cashed all 4 checks and both I and my paying bank have provided proof the payments were sent and cashed. I called again today, XX/XX/XXXX, and went over the entire experience with the CSR yet again. After the phone call, I called my bank to confirm once again that the latest payment was sent and cashed. When I called Barclays back, they couldn't even locate any notes from my prior call. I am concerned that they have misappropriated {$2600.00} of my money and are reporting negative information to the credit bureaus.

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 2018-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Hurricane Irma Storm Damage Had to sue insurance company to obtain funds. 
Settlement check was issued out to myself and Fay Servicing Repairs started by contractor Initial partial payment released from restricted escrow account to start pay contractor Fay Servicing wanted inspection at 50 percent completion, but has had multiple excuses why an inspector can not be sent.

Now project is at completion, Fay servicing still has not sent an inspector, states it may be another week and then another week to release funds. 
Contractor was to be pain 1/3 at start 1/3 at middle and 1/3 at  completion. 
Project will be competed but Fay servicing is refusing to send inspector or release funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: HI

Complaint narrative:
To : CFPB To whom it may concern ' XXXX see my attached amendment of my complaint against XXXX XXXX XXXX, XXXX Thank u very much ... 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Walwick, Inc
State: WA

Complaint narrative:
i have disputed this account and have had it removed twice now, an it keeps popping back up on my credit report, XXXX XXXX  has been contacting me none stop trying to collect a debt i do not owe them i have never had any services with them an i have never signed any contract regarding them contacting me for a debt, they are contacting me regarding XXXX XXXX, XXXX XXXX reps have revealed information that they should not have access to an i have asked them to stop contacting me they have not stopped calling me trying to collect a balance of {$2800.00} that i do not owe

Company response to consumer: Untimely response
Consumer complaint received 2018-03-23 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: IL

Complaint narrative:
I have made 3 attempts to receive documentation pertaining to the investigation that TransUnion conducted as part of their practice to investigate and validate any collection reporting on my credit. TransUnion has failed to provide me with documents such as a signed contract by me. 

Following below is what I have been demanding TransUnion to provide me with and yet TransUnion has failed to provide with with such proof. TransUnion has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2018-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NJ

Complaint narrative:
I have spent 2 years monitoring my credit so one day we can buy a house. I get a letter from XXXX XXXX???? Who fraudently says I have an unpaid account with XXXX XXXX XXXX XXXX whatever that is. Woman was rude when I tried to clear this up. Totally bogus and says they won't give me original creditor unless I contact them in writing!! Call themselves XXXX in another section. Ridiculous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have asked for corrections on a XXXX account I paid in-full as I am working to clear a matter concerning a Chapter XXXX that I have not affirmed. You have this under CFPB case # XXXX. CITI sent me a letter dated XX/XX/2018 saying they are going to refund the money paid by my spouse to pay the account in-full so that they can report the account in a negative status rather than correct the erroneous reporting. CITI wants to pretend they were not aware of the Bankruptcy reporting but they were well aware when the payment was made on XX/XX/2018. CITI in-fact was aware on or before XX/XX/2018 as they accepted a payment from me from my checking account. I called XXXX from my cellphone because I could not make the payment myself online and was informed that they had frozen my account access because of the Chapter XXXX being reported but they said that I could pay over the phone using my account they had on file and so I made a {$50.00} payment which they accepted. Due to the hassle of making that payment I had my spouse pay the account in-full. Now CITI wishes to reverse a payment so they can damage my credit rather than correct the reporting. As I stated I have not entered into a Chapter XXXX plan as fraud has been committed and I am committed to correcting it through the legal system. This account has been paid in-full and now they wish to refuse payment so they can generate negative reporting which damages me further credit wise based on creditor fraud. I have their letter as proof they are reversing a paid in-full account to effect negative reporting on 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 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have an issue with Capitol One. I have been attempting to gain online access to my credit card accounts for ( 3 ) years. I have 3 credit cards and I have never had on line access do to a glitch in their system. I have tried to resolve this issue for the past three years. They say their system will not let me in due to my hyphenated name ( I have been divorced for 24 years ). 
I can not access my cards on line, or by mobile application. I have begged the customer service team for help and resolution. I have spent almost XXXX hours on the phone with these people. 
I would like to file a clam. I do not have the same resources and rights as other consumers and my issues have never been resolved by the company. 

Pleas help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/XXXX, I reviewed my bank statement online and saw that I had overdraft fees. I called the online customer number to remind them that I never opt-in to have overdraft fees. In the past, I had experienced large accumulation of fees and it had affected my account balance. I was told to not worry about it. 

During the period of XX/XX/XXXX to XX/XX/XXXX, I was unemployed and without a job contract. 
At that time, my account started to accumulate enormous overdraft fees. Again, in XX/XX/XXXX, I contacted the US Bank customer service line to remove the overdraft protection. I had asked to leave my account without the overdraft protection due to the fact that the overdraft fees prevented my scheduled transactions to be withdrawn. By the time the funds arrived in my account, the overdraft fees would take {$72.00} to XXXX $ out of my limit income. I had spoken to the manager about my situation and was informed by XX/XX/XXXX that my overdraft fees were more than {$400.00}. Then by XX/XX/XXXX, I was waiting for my pay and I informed the US BANK manager on XXXX XXXX XXXX XXXX, CA XXXX and she informed me told that my payroll would be too late because I owed more than {$1000.00} in fees. My account was closed by the end of XX/XX/XXXX. 

On XX/XX/XXXX, I contacted XXXX XXXX, Manager, Collection Support Services, XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, PA, XXXX via email at XXXX. I informed her I was ready to settle and pay the {$190.00} this Friday, XX/XX/XXXX but my credit report will need to mention " Paid '' as oppose to " Settle ''. She told me she couldn't do that and US Bank needed to make this decision. I asked her to forward my request to US BANK but she refused. I contacted the collections department at US Bank and the representative told me that the collection agency needed to do enter the " PAID '' on my credit report. I attempted on multiple occasions to talk to a manager but no help.

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 2018-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been disputing 2 Capital One Credit Card accounts reporting on my Credit bureau reports since XXXX 2017. I have disputed directly with the 3 bureaus as will as with the creditor that these two accounts are not mine and to provide contractual proof, validation and procedural requests that these accounts are mine and to remove them as they are hurting my credit score and file. I keep getting letters stating " Information updated '' or " Verified by the bureaus and the Creditor keeps sending letters asking me to send in additional information, sent me a copy of a bill and or says they see no evidence of fraud on the account. I am getting the run around here and I'm tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern : We are the borrowers on the above-referenced loan. As a result of deteriorating economic conditions due to our XXXX condition, as you maybe aware I m stage XXXX XXXX failure that requires XXXX to remain in life and my wife is XXXX due to XXXX XXXX XXXX called XXXX 's XXXX - an inherited XXXX that causes progressive damage to the XXXX XXXX resulting in symptoms ranging from XXXX XXXX and XXXX   problems to XXXX XXXX ( Please refer to attachment ), weve been forced to dramatically alter our plans to avoid financial catastrophe. Accordingly, we previously requested from Chase bank a loan modification to lower our monthly payments and more accurately reflect the actual value of our home. At that time, well be able to afford payments and will no longer be a homeless parent with 4 minors. Nevertheless we were met with negligence and letter of 30 days notice to foreclose. 

Weve also spoken with several realtors who conducted research to determine the value of our home. Unfortunately, weve confirmed that our mortgage is significantly underwater and amount of the underlying loan is much more than we could ever sell our home for. 

In fact our loan is so far underwater which it will likely be years before it regains its prior value, After evaluating all of our foreclosure alternatives, weve concluded that due and our XXXX and health condition which is a huge burden, the only way to salvage and protect our only residence is through a loan modification. This option allows us to stay in our home for years to come while avoiding the time and expense of a foreclosure lawsuit. 

Based on the underwater status of our mortgage, and our incompetency of affordability and our sever XXXX, reducing the principal amount of our loan is the fairest way to reduce payments. If necessary, we can look at a combination of reducing the principal and adjusting the interest rate or length of the loan to facilitate reduced payments which is our immediate goal and will be highly appreciated. 

As you know, time is of the essence so please contact me as soon as possible to discuss available options and of course let us know if you need any additional information. 
Thanks in advance for your anticipated cooperation. 
I contactcted the bank many times to help with loan modification untill this date no help, please i am asking for help i do not want to be in the street with my chlidrens Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX, Manager, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, PA, XXXX via email at XXXX. I informed her I was ready to settle and pay the {$190.00} this Friday, XX/XX/2018 but my credit report will need to mention " Paid '' as oppose to " Settle ''. She told me she couldn't do that and XXXX XXXX needed to make this decision. I asked her to forward my request to XXXX XXXX but she refused. I contacted the collections department at XXXX XXXX over the phone and the representative told me that the collection agency needed to do enter the " PAID '' on my credit report. I attempted on multiple occasions to talk to a manager but no help from XXXX XXXX XXXX XXXX. nor XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As of XXXX XXXX I check my credit report with Transunion, XXXX and XXXX and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on Transunion, and 13 hard inquiries on XXXX and 4 on XXXX. 

I have been disputing with XXXX, XXXX and XXXX but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am XXXX Lifetime, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As of XX/XX/2018 I check my credit report with XXXX, Equifax  and XXXX and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on XXXX, and 13 hard inquiries on Equifax and 4 on  XXXX. 

I have been disputing with XXXX, XXXX and Equifax but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am XXXX Lifetime, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As of XXXX XXXX I check my credit report with XXXX, XXXX and Experian and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on XXXX and 13 hard inquiries on XXXX and 4 on Experian. 

I have been disputing with Experian, XXXX and XXXX but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like to dispute the case that Chase considered as " resolved. '' I have reported to Chase that there was a quickpay transaction on my checking account that I did not authorize and they refuse to help me get my money back. Chase has done nothing but make my life miserable regarding this and they keep blaming me for making the transaction. I dont know this this XXXX XXXX XXXX is and I made no such payment to her on Quickpay!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
The collection agency is Grant Mercantile. They billed me for two ambulance rides for approximately {$4300.00} Medicaid or Medicare was never billed. They never sent me a bill and the amount in question was added to my credit report. I shouldn't have to pay for it. I am caught in the middle. I've already contacted all three parties. Medicare said the company never sent a bill over. I don't know what to do. And I never received a bill in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hard inquiries on my credit report from unknown sources.

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