vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
I called in XX/XX/2018 and asked to have my ach payment stopped for XX/XX/2018. I told them that my husband would be paying the account off in full XX/XX/2018. I wanted to have the ach stopped in order to avoid the account being overpaid and having to wait weeks to be refunded. I was told that they could not stop the ach unless there was another form of payment. I adv that my husband would be paying via Card. the rep still refused to stop the payment and i stated that I would have my husband call in. Due to his work schedule, It would be difficult to know for sure when he could call in. XX/XX/2018, I sent a ACH revocation letter to the company to make sure the payment would be stopped. The rep agreed to stop it but advised me that they would put my account into collections as a default. I asked how they could put a current account into default that has never missed a payment and was only trying to pay the account off in full.I then received an email stating that they had placed my account in collections and that it had defaulted. My payment is not due until tomorrow and I have never been late. Then I receive a long illegal voicemail from a MANAGER named XXXX XXXX leaving personal information then she called and left a message on my work voicemail. You would think I was really in collections the way I am being treated. All of this and all I am trying to do is pay off an account. No where in my contract does it state that if you revoke ACH authorization that you will be placed in collections as a default. It actually has other methods of payments such as cash, money orders, mail as well as credit cards. I can only imagine how customers who actually can not pay are treated, if they treat paying customers this way.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
i contacted XXXX  to get this information updated on my account and have disputed this account with the credit reporting agencies. This account shows a balance on it and needs to be updated as paid in full. the accont still shows it is in collections.

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 2018-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/18 I got a notice from XXXX for a late payment of {$2100.00}. I shouldnt of been charged for this because I was a passenger not at fault. I contacted my insurance company and XXXX to clarify my information but had no resolution or notice was confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I was sent a check ( via priority mail ) for a " mystery shopper program ''. I have participated in a program like this before. The check was deposited at a Chase ATM On XX/XX/XXXX I was declined for a debit card charge on this account. I called chase and they notified me that my account was restricted and chase was going to be terminating the relationship between bank and myself. I was rudely spoken to and have documented the discussion. I was notified to go to a chase bank to withdraw the remaining balance. After going to the Chase bank in XXXX XXXX ( {$12.00} XXXX ) I was notified by the banker that remaining funds would not be available until Wednesday XX/XX/XXXX. On XX/XX/XXXX I went to the Chase bank in XXXX XXXX as directed ( {$17.00} uber ). I was notified by the banker that ALL funds are being withheld/frozen until 7-10 business days from XX/XX/XXXX. I then called XXXX as directed for clarification. Again, I was spoken to in a manner I never have been. After having to change my direct deposit for work, having no access to cash in my checking account, taking off work to get incorrect information from Chase ( online and in the bank ) my funds are still not available CHASE has ruined my work schedule and my families holiday. Chase has cost me {$1300.00} in travel and holiday expenses along with late payments due to not having access to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I havent heard anything back from Bridgecrest I asked to speak to a supervisor and I was left on hold the vehicle just got out of the shop I wasnt able to make it to work because of the up and down with payment for the repairs for XXXX $ I had to pay XXXX $ because of this matter I lost my job because the job was a hour 1 1/2 away from home and I couldnt make it into to work because we didnt know when the repairs were going to be pay for by XXXX  XXXX. I was trying to get in touch with Bridgecrest to see if we could set up a payment agreement and arrangements to pay car note While I attend my job placement classes I attend with welfare department I applied for public assistance which is only XXXX $ twice a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: MO

Complaint narrative:
i contacted DFAS to get this information updated on my account and have disputed this account with the credit reporting agencies. This account shows a balance on it and needs to be updated as paid in full. the accont still shows it is in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: MO

Complaint narrative:
i contacted XXXX  to get this information updated on my account and have disputed this account with the credit reporting agencies. This account shows a balance on it and needs to be updated as paid in full. the accont still shows it is in collections.

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 2018-12-13 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: MO

Complaint narrative:
I contacted XXXX XXXX XXXX in regards to a lien that was taken out on my car that was not taken out by me. I have disputed this information and I have tried to contact the company through the CFPD. This company has not responded back to me. I am requesting that the credit breaus take the information off of my credit report because this debt was a result of fruad. someone took a lien out on my car and my car was taken and these people are still showing a balance on my account. XXXX XXXX XXXX has not gotten back to me the two times I have contacted them in regards to this debt.

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 2018-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: COMMERCE BANK
State: MO

Complaint narrative:
My wife and I do all of our banking through Commerce Bank and have for 20+ years. We have multiple accounts held with Commerce, including a savings account that was setup many years ago for one of our children. Given that my child is a minor, my wife was/is setup as the custodial on his account. We placed roughly {$1000.00} in the account many years ago and have left it alone as a savings account for our child.

We receive the monthly statements on the account. After reviewing the most recent statement, we discovered that the entire balance was unknowingly transferred to the state of Missouri. We received no correspondence whatsoever before this action was taken ( no email, letters, or phone calls ). Commerce Bank simply decided that because there hadn't been any activity on the account for some time that they would just send all funds to the state without providing us any notice. 

I'm very upset about this. Our address was correct on the account and we have been long-time loyal customers of Commerce. Further, all of our other accounts were actively being used, so Commerce had all of our current contact info on file. Finally, at no time were we contacted before this ridiculous action was taken.

When I called, I was told " sorry, that's just the normal process when an account goes dormant and we can not locate you ''. Yet, Commerce was not able or willing to provide a copy of any of the correspondence that they supposedly sent to us regarding the dormant account. 

As a result, I now have to go through the state of Missouri 's process to get my own money back, likely incurring fees. 

I think it's only fair that the money that was sent to the state be placed back into my account and that I be compensated for my time and hassle of what appears to be a very poor practice by a well respected community bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: GA

Complaint narrative:
Please carefully review and remove or correct this information

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 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have notified the original creditor in writing that I'm on social security, which is my only source of income ; and that my icome is protected by law. My income can not be touched by any creditors. I continue to receive robo calls daily. In the morning afternoon and evening. the calls come in from the following area code XXXX with the following phone numbers XXXX   XXXX-XXXX,XXXX,XXXX,XXXX,XXXX. They also call me from area code XXXX from various phone numbers XXXX  XXXX-XXXX,XXXX,XXXX,XXXX and XXXX XXXX-XXXX. These calls keep commingin and changing every time I block their call. The phone will ring 3 times and then disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is a complaint against Equifax. In XX/XX/XXXX, I had a legal name change as I am XXXX. At that time, I had my social security card updated and all other legal documents. I submitted these documents to all creditors and credit reporting agencies. For the past three years, I have struggled with Equifax continuously refusing to update my information even though I have provided this information repeatedly. In XX/XX/XXXX, I applied for an apartment rental and had a freeze on my account with Equifax. I called several times over the course of the next three weeks to attempt to have this resolved and was denied access to my own credit file, as I believe it has fraudulent information on it, as the " Security Questions '' they asked me are not accounts that I have ever had. When I inform them of this, they simply deny me access to my file and refuse to help me. As of XX/XX/XXXX, after applying for a Mortgage and being informed that AGAIN, Equifax has placed a freeze on my account, I submitted an ADDITIONAL request that they update my credit file, IN WRITING Via Fax. I followed this up with a written letter to the XXXX XXXX XXXX XXXX, and CC 'd Equifax 's dispute department, with a complaint and request for my file to be updated. As of XX/XX/XXXX, upon Equifax refusing to update my information yet again, I Submitted this request again via fax. 

In the meantime, I have submitted 3 online disputes with Equifax, one of which I was given confirmation number XXXX. I submitted disputes online the week of XX/XX/XXXX, the week of XX/XX/XXXX, and XX/XX/XXXX. I have requested my file be updated in EACH of these WRITTEN requests, and requested copies of my credit file/credit report IN WRITING in each of these written requests, each fax, and every single time I have spoken to one of their representatives on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX is reporting incorrect information on my account. They are currently reporting a late for XX/XX/2018 and I was never late. I went into the office and made my monthly payment along with an advance payment for the following month. The representative I spoke with confirmed that no other payments were due, or past due and my account was in good standing. So I am not sure why I am showing any lates.

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 2018-12-13 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: MO

Complaint narrative:
I contacted XXXX XXXX XXXX in regards to a lien that was taken out on my car that was not taken out by me. I have disputed this information and I have tried to contact the company through the XXXX. This company has not responded back to me. I am requesting that the credit breaus take the information off of my credit report because this debt was a result of fruad. someone took a lien out on my car and my car was taken and these people are still showing a balance on my account. XXXX XXXX XXXX has not gotten back to me the two times I have contacted them in regards to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: MO

Complaint narrative:
I contacted XXXX XXXX XXXX in regards to a lien that was taken out on my car that was not taken out by me. I have disputed this information and I have tried to contact the company through the XXXX. This company has not responded back to me. I am requesting that the credit breaus take the information off of my credit report because this debt was a result of fruad. someone took a lien out on my car and my car was taken and these people are still showing a balance on my account. XXXX XXXX XXXX has not gotten back to me the two times I have contacted them in regards to this debt.

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 2018-12-13 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: NY

Complaint narrative:
I have been trying to resolve this account for THREE months, I then receive a notice that my file has been updated correctly and then 2 days later it is back to having a balance. I have sent NUMEROUS letters and fax to all 3 credit bureaus to get this problem corrected, I have spoken to several customer service representatives about this issues again today XX/XX/18 I called all 3 credit bureaus AGAIN about this problem and a XXXX for the ( XXXX   team ) at experian told me there is nothing she can do but keep filing a dispute. I have send them a letter regarding this account and now she is telling me they cant accept the letter because some of the letter has the account number encrypted. I'm very frustrated at getting this resolved and they are now in VIOLATION of FDCPA. my credit report should be updated immediately with CORRECT information!

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 2018-12-13 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: UT

Complaint narrative:
XXXX is reporting incorrect information on my account. They are currently reporting a late for XX/XX/2018 and I was never late. I went into the office and made my monthly payment along with an advance payment for the following month. The representative I spoke with confirmed that no other payments were due, or past due and my account was in good standing. So I am not sure why I am showing any lates.

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 2018-12-13 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: UT

Complaint narrative:
XXXX is reporting incorrect information on my account. They are currently reporting a late for XX/XX/2018 and I was never late. I went into the office and made my monthly payment along with an advance payment for the following month. The representative I spoke with confirmed that no other payments were due, or past due and my account was in good standing. So I am not sure why I am showing any lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: MA

Complaint narrative:
I'm still perplexed the way this account of capital one is reporting on my credit report. I've already spoke to the representative at Capital One and I've already went ahead and paid off this account in full and I don't understand why it's still showing charged off with a balance. The money has already been deducted from my bank account of over $ XXXX. 

Therefore, I am writing to dispute the information in my credit report that I received. This item Capital ONE, Account # XXXX is incorrectly reporting a current status of charged off with a balance of $ XXXX+. Again, this is inaccurate as this account was settled directly with them and paid off the entire balance that we agreed. I am requesting that the status be updated to reflect the account is now Paid as Agreed. '' or this tradeline completely deleted/removed. Please investigate this matter and correct the dispute item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I operate a small business and used PayPal for invoicing and payment collection from my customers. About six months after I provided a service to one of my known customers, she was reviewing her credit card statement and did not immediately recognize the name of my company as it appears on a credit card charge. She contacted her credit card and reported an unauthorized transaction. Paypal notified me about the challenge. I answered the query that I did provide the service. I then contacted my client and she was aghast and called her credit card company, XXXX, and withdrew her complaint. About six weeks later, PayPal sent me an email from XXXX and told me that I had to transfer the amount, {$650.00}, into my account to cover this charge back. 
I recontacted my customer and she provided to me her XXXX XXXX statements that show that she has paid the {$650.00} to PayPal. There was a charge, followed by a credit, followed by a subsequent charge. PayPal has been paid, yet they are making an official effort to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
have been a victim of identify theft. They had my social, birth date and a drivers license in my name. 
First on XX/XX/2018 a person mid thirties walked into Umpqua Bank - XXXX, Ca branch and pulled a loan for a total {$10000.00}. The Manager said they were very high tech and the ID scanned and they setup a phone number earlier that worked when they called it to setup up the account. The also had a address in XXXX that they used. The person said he was at a funeral in California and needed the cash. And the manager approved the account.

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 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I wanted to close an inactive checking account with this bank. They claimed I still had an outstanding claim with them. From almost the maximum 90 days. What do you know? They reversed the claim and tried to extort the money from me ( a fee ) in order to close this account. They also locked me out of online access to my account and I was unable to verify the details of this alleged transaction. They now have sent me to collections, with no notification, for this extortion money.

Company response to consumer: Closed with explanation