vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 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: FL

Complaint narrative:
There has been on time payment data removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc
State: SC

Complaint narrative:
I have received ongoing calls from this company about collecting a debt to a gym membership. 
Calls from XXXX XXXX : XXXX to XXXX XX/XX/19 ( Now asking me to pay over {$300.00}, I asked for verification, and not to call ) XXXX to XXXX XX/XX/19 ( call ignored ) XXXX to XXXX XX/XX/19 ( I asked for verification, and not to call ) XXXX to XXXX XX/XX/19 ( robo call ) XXXX to XXXX XX/XX/19 ( robo call ) XXXX to XXXX XX/XX/19 ( robo call ) XXXX to XXXX XX/XX/19 ( robo call ) No Caller ID to XXXX XX/XX/19 ( robo call, reached operator, I asked for verification and not to call ) There are  more, but this is all my phone has recorded. 

The account was closed and is fully settled, but I am just upset about the continuous calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: BB&T CORPORATION
State: MD

Complaint narrative:
Regional acceptance corporation has and hard inquiry on my credit report from XX/XX/2018 can not get incontact with this company, I have never went into any car dealer to purchase a vehicle called the number that's on my credit report and it just goes to voice mail XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
How is Experian telling me if I have relevant information? As a consumer, I am demanding that they show me evidence. What documents Experian are you using to say that everything in my credit profile is reporting correctly?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have a WalMart credit card, issued by Synchrony Bank. I always pay my bill in full and on time. This past month, XX/XX/XXXX, I misread my balance of {$80.00} to be {$80.00} and sent my check for that amount. I have trouble seeing well ( I am XXXX years old ). This month, XX/XX/XXXX, I received my new bill and was charged interest fee of {$1.00}. My balance for this month was {$120.00}. I called to complain, and they did take off my interest ; however, when I asked how they could charge that for XXXX cents of unpaid balance, they informed me that the interest is charged on the average daily balance. I still did not understand how I had any unpaid balance for them to figure that on. They could not explain that. I was not able to get any justification for their charging on average daily balance since I was not behind on my payment, and all charges were for the current billing month. Apparently they charged me on my current balance, because the bill stated the interest was charged on average daily balance of {$110.00}. I had not even had a chance to pay the current balance, yet interest was charged. I complain because this was my first encounter of this type of charge and I feel it is unjust, unfair, and fraudulent. I believe there are many others wrongly charged and I want to alert them to this. I also want CFPB to investigate this. I have documentation to submit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: ID

Complaint narrative:
I am writing in reference to a dispute I sent to Transunion on XX/XX/2018 requesting to verify, validate, and provide evidence that they had the right to report the debt of {$1900.00} to XXXX. 

Transunion did not provide the verifiable proof as I requested within the 30 days. All they did was send me an update on XX/XX/2018 updating a small piece of information they already had to meet the XXXX requirement. I specificially requested evidence as I had a right to. I have yet to receive the proof that they had the right to report this debt. I am requesting your assistance in verifying that each credit bureau followed the process according to the FCRA. Based on the fact that the verifiable proof was not provided within the XXXX dispute period, I request the debt be deleted from my credit file as they did not meet the deadline to provide the information. 

Please see attached correspondence originally sent to the credit bureau, and their responses. 

Item : XXXX XXXX XXXX XXXX : XXXX XXXX : {$1900.00}

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 2019-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
Almost a year ago, I wanted to pay off my loan so I went to Avant website logged in to my account and got the amount the payoff was and I paid it. Now, I am receiving late payment emails from a collection agency that Avant hired. I already replied to a bunch of those emails letting them know that I already paid off the debt but I am still receiving emails. I WANT THIS SITUATION TO STOP BEFORE THEY START REPORTING IT ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
This bill was with XXXX XXXX and the phone was stolen and I had insurance with XXXX XXXX, an the bill was taken care of, because I didn't continue service with them they are trying to collect. This took place about XXXX or XXXX.This bill has been paid in full and they are trying to collect something that I don't owe. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 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: MD

Complaint narrative:
XXXX XXXX XXXX has and hard inquiry on my credit report from XX/XX/2018 can not get incontact with this company, I have never went into any car dealer to purchase a vehicle called the number that's on my credit report and it just goes to voice mail XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am in financial distress and had previously tried to get current with XXXX XXXX. They call my business phone everyday at all hours. They have been harassing my mother at her home phone number for many months now. She does not live with me and has no connection to this debt. Now they are calling my boyfriend on his business phone trying to reach me. I am in the process of getting my financials in order but the harassment of my family is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
Machol & Johannes : On XX/XX/2018 they froze {$320.00} from my bank account. I called them and said there was a court order against me. Said I owed $ $ from a judgement. ( I didnt receive paperwork they were trying to collect ) and my check would be garnished. On XX/XX/XXXX the paper work was finally filed but I didnt receive it until XX/XX/XXXX. Paperwork said I owed {$1500.00} When I called them they said I owed {$1400.00} and couldnt explain the difference. I asked about the {$320.00} and they said the bank hadnt sent it to them yet. I called the bank. They said they never received paper work to release and had actually called Machol & Johannes about it but never received a reply. Then my pay check was garnished. They took an additional {$1000.00} out. Then the garnishments stopped. I assumed I was paid up .... I called today to find out why I havent had a receipt and they said I owe {$1600.00}. Theyre still waiting to be paid from the garnishment. I asked why it went up and she said court costs and garnishment costs. I asked for paperwork showing a ledger. They are not providing me with documentation. And continue to change what I owe without showing why. You also cant get a hold of them with the number in the paper work. It just hangs up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
Optimum Outcome Inc, Inc is a collection agency sourced for XXXX XXXX  XXXX. I went to the Emergency Room in XX/XX/2017 for medical services. I provided my insurance at the time of the ER visit There were two different claims submitted, hospital stay ( General ) and ER physician billed separately. The " General '' portion of the claim was submitted within the approved time to my insurance carrier and it was paid. This includes all other billings for that date of service. The ER Physicians billing were submitted well outside of the 90 days, and it was denied by my insurance carrier. This collection company, Optimum Outcomes Inc was sourced to collect the unpaid portion of {$480.00}, the amount denied by my carrier. Optimum Outcome informed me that this was my responsibility because it was the remaining due for my ER visit. I paid the amount not understanding that this portion was rejected because it was not submitted to my carrier in the specified time of not to exceed 90 days. After finding this out, I contacting Optimum Outcomes Inc and they refused to issue a refund and said I would have to speak to XXXX XXXX XXXX regarding to resolve because the account was " closed out ''. They would not provide me with any contact information for the client, however instructed me to search the internet for a contact number. This is a bad practice as my claim was not submitted within the time given by insurance carrier. I wasn't responsible for late claim submission and Optimum Outcome Inc made it seems as if I had an open balance. A portion that my carrier did not cover. Optimum Outcome Inc collected on a claim that the medical provider didn't submit in a timely fashion, well after 90 days and was denied by my Insurance Carrier for that reason. They instructed me to pay the balance in full, and submit to my Insurance Provider for reimbursement. This is when I learned about the collection tactic that was used. The claim was denied in the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: IL

Complaint narrative:
On the XXXX of XXXX I contacted TransUnion via certified mail requesting a prompt deletion of unauthorized inquiries filed on my credit profile on the XXXX of XXXX I spoke with XXXX a supervisor and explain to her that I did not initiate the increase and spoke with the creditors and ask them to provide proof that I initiated the said inquiries at which time I was told that they will not be be removed unless I provide a police report or something from the creditors I have been in contact with the creditors but they have not reply or comply with my request for removals or a letter of removal XXXX told me it was my burden to prove that these said inquiries were inaccurate. When the you dipute item on your credit profile the cra has the duty to do a reasonable investigation and correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your disputes there are in violation of section 15. 1681.i of the fcra

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX or XX/XX/XXXX I stopped into the Chase Bank location at XXXX XXXX XXXX, XXXX TX XXXX and spoke with XXXX XXXX ( sp? ) about cancelling PMI on my mortgage. She wasn't sure of the process and called into customer service. She was told and relayed to me that all I needed to do was to pay down the balance on the mortgage to less than 80 % and actually wrote down on a sticky note the amount I needed to pay. On XX/XX/XXXX, I made a payment of approximately {$13000.00} to bring the balance of the loan just under the 80 % requirement. I called Chase and they said that now I had to have a BPO done in order to verify the value of the home. I told them that is not what I was originally told and that I wanted my money back then. They decided after a few days of my case being escalated that Chase would pay for the BPO. I said fine and when the BPO came back, I was told that the home has increased in value from the purchase price of $ XXXX to $ XXXX. Had I just had the BPO done, I would have been over 20 % equity and should not have had to make the payment of {$13000.00} towards my principal balance as it was not needed. Now Chase is refusing to refund me the money. Please help me get my money back as I would have never paid down the principal balance if I knew that they were going to require a BPO as part of the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: AZ

Complaint narrative:
Original Creditor Name : XXXX XXXX XXXX XXXX Opened XX/XX/2017 for {$890.00} Opened XX/XX/2017 for {$310.00} Opened XX/XX/2017 for {$210.00} Called the XXXX XXXX about details for the charges, receptionist stated to call debt collection agency as it was already transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank has been sending me Commercial Loan Statements and Demands For Payment regarding loan # XXXX, amount {$4600.00}. I have several times asked Key Bank representatives for a history of this loan, for all supporting documents, including all statements and payment records, and I have received no documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted the XXXX, TransUnion, XXXX, and XXXX XXXX XXXX. 
Nothing has been done or verified. Per the terms of XXXX XXXX discharge if your college violated state laws and have used illegal or deceptive tactics to convince students to take out loans and attend. You wont have to pay back your student loans. The FTCs complaint charged that XXXX misled consumers in violation of the FTC Act by claiming that 90 percent of graduates actively seeking employment landed jobs in their field within six months of graduation. Advertisements making these claims appeared on television and radio, as well as online and in print and other media. 

The complaint further alleges that XXXX misled students by claiming that graduates with bachelors degrees, on average, had 15 percent higher incomes one year after graduation than the graduates with bachelors degrees from all other colleges or universities. 

The proposed federal court order requires XXXX to notify the students who will receive debt relief, and to inform the credit bureaus and collection agencies of the debt forgiveness. All loan and debt forgiveness will occur automatically. XXXX will also release transcripts and diplomas previously withheld from students because of outstanding debt and will cooperate with future requests for diplomas and transcripts and related enrollment or graduation information. 

The settlement also includes provisions designed to prevent XXXX from misleading consumers in the future. Among other things, it prohibits XXXX from misrepresenting the likelihood that graduates will get a job as a result of their degree. It specifically prohibits XXXX from including jobs students obtained more than six months before graduating whenever XXXX advertises its graduates success in finding jobs near graduation. The settlement also prohibits XXXX from misrepresenting the compensation or compensation ranges that students or graduates have received or can be expected to receive. XXXX University Agrees to {$100.00} XXXX XXXX with FTC. 

IT IS THE JOB OF CREDIT REPORTING AGENCY 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent 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 2019-04-03 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: GA

Complaint narrative:
I have contacted the Equifax, XXXX, XXXX, and XXXX XXXX XXXX. 
Nothing has been done or verified. Per the terms of XXXX XXXX discharge if your college violated state laws and have used illegal or deceptive tactics to convince students to take out loans and attend. You wont have to pay back your student loans. The FTCs complaint charged that XXXX misled consumers in violation of the FTC Act by claiming that 90 percent of graduates actively seeking employment landed jobs in their field within six months of graduation. Advertisements making these claims appeared on television and radio, as well as online and in print and other media. 

The complaint further alleges that XXXX misled students by claiming that graduates with bachelors degrees, on average, had 15 percent higher incomes one year after graduation than the graduates with bachelors degrees from all other colleges or universities. 

The proposed federal court order requires XXXX to notify the students who will receive debt relief, and to inform the credit bureaus and collection agencies of the debt forgiveness. All loan and debt forgiveness will occur automatically. XXXX will also release transcripts and diplomas previously withheld from students because of outstanding debt and will cooperate with future requests for diplomas and transcripts and related enrollment or graduation information. 

The settlement also includes provisions designed to prevent XXXX from misleading consumers in the future. Among other things, it prohibits XXXX from misrepresenting the likelihood that graduates will get a job as a result of their degree. It specifically prohibits XXXX from including jobs students obtained more than six months before graduating whenever XXXX advertises its graduates success in finding jobs near graduation. The settlement also prohibits XXXX from misrepresenting the compensation or compensation ranges that students or graduates have received or can be expected to receive. XXXX University Agrees to {$100.00} XXXX Settlement with FTC. 

IT IS THE JOB OF CREDIT REPORTING AGENCY 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation