vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is reporting incorrectly to XXXX and XXXX that I am an Authorized User on Chase Card - partial account number XXXX. ( Please see page 10 of the attached credit report. I called Chase Bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX AND XXXX. ( Please see page 22 of the attached credit report. ) These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: NV

Complaint narrative:
I filled out a page of investigative accounts for Equifax to investigate. Previously my file was 34 pages long when it should be 12 pages long. Now they have managed to extend it to 54 pages long. They refuse to correct or omit closed accounts, that were closed 7-8years ago. They refuse to scrub pages of XXXX   balances. they refuse to shorten and streamline my report. My report is filled with all the " garbarge '' they can manage to throw into it to to make it as long as possible. It is no longer a report, it is a book. This third rate company would rather endure torture than omit ANYTHING, whatsoever from my account. My credit report looks like XXXX. I would like it cleaned up and shortened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PARKSIDE LENDING, LLC
State: CA

Complaint narrative:
I have contacted XXXX XXXX and Parkside Lending in regards to load number ****** for the property address ****** XXXX, XXXX XXXX, CA, XXXX. 

This loan has been recently transferred from Parkside Lending to XXXX XXXX  XXXX in the month of XXXX. I would like to firstly note that I have not received any notification whatsoever from both XXXX and Parkside Lending about this change. 

Additionally, I also see that XXXX account reports 3 payments due for the months of XXXX, XXXX and XX/XX/2019. I paid the XXXX and XXXX payments to Parkside Lending. Please find the monthly statement for XXXX from Parkside Lending which shows no statement balance, and also my monthly statements which show 3 payments made to Parkside Lending ( for XXXX and XXXX ) out of which I had to revert one due to duplicate payments processed. 

I reached out to both XXXX and Parkside Lending in regards to this in the past one week without much success to get this resolved. I can only pay my XXXX payment due when : 1. I receive my monthly statement from XXXX 2. I receive a transfer notice from Parkside Lending and XXXX 3. My outstanding balance due is fixed at XXXX. 

I would appreciate your help expediting this request to correct the balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX I received a notice of collection from Amcol Systems ;  located at XXXX XXXX XXXX XXXX SC XXXX. I sent a letter on XX/XX/XXXX notifying them that the debt is in dispute and to cease collection efforts, until the debt is validated. I subsequently contacted by phone requesting that they send me a breakdown of the charges to which this debt is associated. I never received that information. I then contacted the original creditor XXXX and asked them to send me the breakdown of charges. I then received another bill from XXXX for a bill which included the total charges and no breakdown of the charges. I attempted for months to dispute the collection and the collectors ability to put this on my credit without validating it's accuracy. But I received no assistance from the credit bureau 's or the original creditor as to the breakdown of charges. It is my belief that the collection company has illegally continued to collect on a debt which has not been verified, after they received a notice to cease collection. This has been done by putting it on my credit report, thereby damaging my credit and potentially forcing me to pay it off in order to receive a loan from future lenders. After waiting for the bureaus and the collection company to provide me with the breakdown of charges, I then contacted the original creditor and requested a breakdown from them again. During that phone call with XXXX at XXXX she said they don't out a list of charges but that they were only general line item charges by category. I then pressed her for an itemized bill with all the charges, she was reluctant but then said she would do it. I received the itemized bill with all the charges on XX/XX/XXXX. I have still not gone through the itemization to see if the charges are all valid and correct, but yet the collection company has ruined my credit without any validation of the debt. Per section 809 of t '' the fair Debt Collection Practices Act '' the debt collector shall cease collection of the debt ... Until the collector obtains verification of the debt or any copy of judgement. Having put a collection account on my credit before validating the debt ( upon being notified ) is braking the law. I want the collection removed from my credit, until the debtor or collector has proof of the validity of the debt by judgement of a court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Today, XX/XX/2019 at XXXX, Huntington Banks online service is down due to some technical issues. I can not access my account at all, and the nearest branch is 15 miles away!! I also needed to print out my balance and can not do that either! 
Fine this bank for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX AND XXXX. ( Please see page 22 of the attached credit report. ) These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: LDF Holdings, LLC
State: TN

Complaint narrative:
A lady named XXXX XXXX keeps calling my cell phone and work phone number leaving messages. Saying she has a warrant for my arrest. XXXX. She is with XXXX XXXX XXXX. There number is XXXX. Original debt was with Bridge Solutions. Now they bought the debt I only owe {$70.00} now this company is saying {$2200.00}. The original loan was {$250.00}. They keep calling my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
XX/XX/2018 there were two unauthorized wire transfers from our account. The first one was for XXXX and the second one was for XXXX.going to the same person in Arizona that XXXX have never heard of or done any transactions with previously. I reported TD bank and they said they will investigate and would contact XXXX XXXX XXXX ( thief 's bank ) to investigate. They took a week and then told me that because the transfer came from my computer that there is nothing they can do. I didn't authorize any transfer so even if my computer had malware or whatever they claim I didn't authorize it and want them to proceed with recovering the money. They said there is no recourse for this and that I am out the money with no appeal or recourse. I don't believe that my computer was where the transfer came from and even somehow they hacked my computer and transferred the money I am still stating that this was unauthorized and would expect them to take action. the thief who did this gets away scot-free and does it again because the bank did nothing. They seemed to shift the lilbility to my computer because then they would not be responsible for their allowing this transfer to happen. They never even contacted the thief bank account holder to see if why they had an explanation for them receiving the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Green & Sons Agency, Inc.
State: ID

Complaint narrative:
XXXX has repeatedly called my place of work as well as my cell phone for the past 3 weeks. Today ( XX/XX/19 ) was the latest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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:
Unauthorized inquiry

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 2019-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I made a purchase at Kohl 's Store the Order Date : Monday, XX/XX/XXXX at XXXX XXXX ( CST ), this purchase never came to the house even though the tracking number indicated that it had been delivered in the home. I called the USPS that was where they received the package through UPS, and they did an investigation and said the package was delivered at the wrong address or was lost. Then I made the claim to the Kohl 's store and they started an investigation and determined that the package was lost and that they were going to replenish the money to the credit card of the Kohl 's store, but from the date they keep charging me and sending invoices with delay fee that are increasing and that are damaging my credit. The strangest thing is that in more than 7 claims that I have made, in the last claim I made they told me the order was received back to one of their stores several months ago and today XXXX, XXXX XXXX, even they still charge me the bill and damaging my credit and not result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have a Chase XXXX Rewards card that has been in good standing. This card has had varying balances since I opened the card. I recently made a large payment of {$3500.00}. My total credit line was {$4000.00}. That left my account with a balance of apx. {$600.00}. Almost immediately after making this payment I get a letter stating that my credit limit has been reduced to {$900.00}. This takes my utlization of this card from 15 % to 80 %. This is ridiculous. I have not had a late payment with them or any other card on my portfolio and I have recently paid off over {$9000.00} in credit card debt. All of the reasons stated in this letter are false. I have called several times to get this looked at and customer service keeps telling me to call back another day. I was inquiring with them why I would make such a large payment only to have my credit line decreased when I have never been in default. This is ridiculous and now they keep saying to call back in two days ect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
Company calls 2-3 times a day about past due amount on personal loan that was taken in XX/XX/XXXX. Company calls references and leaves messages frequently. Company has come to my home several times. Company pulled credit report without authorization in XX/XX/XXXX. I called and complained to corporate who supposedly was suppose to check why this was done. No response back but company kept with calls. Company pulled my credit AGAIN without my authorization in XX/XX/XXXX. I AGAIN called the XXXX number and was told that they would look into it and I requested to be contacted only via email. I am still getting collection calls and XXXX  has gotten back to me about unauthorized pulls on credit report in an attempt to damage credit. They also reported it delinquent to the credit bureau so there was no reason for credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: CA

Complaint narrative:
I found a fraudulent bankruptcy on my credit report and Credit Reporting Agencies refuses to investigate and block the fraudulent item from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are inquiries on my credit report that need to be removed. I did not sign nor authorized such inquiries.

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 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
We have been customers with XXXX XXXX for 4.5 years - XX/XX/2014 during that time we have never made a late payment on account number XXXX. That is until this year dated in XXXX. 

If you review my file history you will see I did in fact make payments on time for XXXX, XXXX and XXXX. The payment had gone up XXXX dollars in XXXX without my prior knowledge. XXXX XXXX took the payment that I have been accustomed to paying via bank draft as it does every month. Same as XXXX and XXXX. 

On XX/XX/XXXX I received the first notification from XXXXXXXX XXXX stating my account was past due, confused and unaware of why it would be past due I contacted XXXX immediately. It was on XX/XX/XXXX that I was made aware that my account was {$90.00} short ( {$30.00} XXXX {$30.00} XXXX {$30.00} XXXX ) and had already been reported to the credit bureau. On XX/XX/XXXX I also learned that the amount debited from my bank account had been placed in a reserve account with XXXX. NOT including XXXX, which XXXX accepted. 

I travel for work and am only home 3-4 days a month had no idea that my XXXX payment was going to be placed in a separate account. Same as my XXXX payment. When looking at my bank account the funds had been accepted just like XXXX. I never once received any sort of notifications of this. 

According to my bank account information and payment history I have always made my payments on time. My credit has lowered 100 points based on this {$90.00} XXXX XXXX  did not provide ANY communication to me about the reserve account, the shortage, reporting to the credit bureau or give me an opportunity to resolve the issue. 

I contacted XXXX XXXX on multiple occasions with no resolution to the issue Please advice how we can rectify this situation and remove the impact this has on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I took a car loan out for {$15000.00} on a XXXX XXXX XXXX through credit acceptance in XXXX. I set up automatic payments for my payment to be taken out of my bank account. It has been years and I thought my loan was almost paid off. I have never been sent late or repossession papers or any correspondence at all. 

I was just sent a letter from a law firm stating I owe {$15000.00} on a car that is now worth less than {$1500.00}. I don't understand how this could happen. How can a company say you owe them almost the balance of when the loan originated when I haven't received anything saying I'm late or in jeporady of defaulting. 

Please help this is not right. 

Thank you, 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 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
I am writing to provide a complaint that was created on my credit file on behalf of Enhanced Recovery, regarding Account Number : XXXX. The item identified is inaccurate/incomplete because 1 ) I never received any mailing notification that of owing any monies to this creditor and therefore not responsible for this debt and should have not been reported in my credit file, 2 ) This account was purposely re-aged by Enhance Recovery. On XXXX XXXX I noticed this debt had been placed on my credit report as having an opened date of XX/XX/2019 with status update past due as of XX/XX/2019. Enhanced Recovery re-aged this account to appear as a new debt rather then owned by a new creditor. 

Below is summary of letter sent to creditor On XX/XX/XXXX : I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Floridas Consumer Collection Practices Act ( FCCPA ) whose provisions require all debt collectors to send specific written documentation verifying the debt amongst other statutory provisions. Under section 559 of the Rules/Definitions of the Florida Consumer Collection Practices Act, verification requires all the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 
Provide proof that the State of Limitations has not expired on the alleged debt, or ; Provide proof that the alleged debt/account has not be re-aged as a result of unscrupulous practices I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor.Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation