vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Collections, Inc.
State: WA

Complaint narrative:
Express Collections, LLC has my soon to be ex-husbands non medical bills on my account and will not remove them from my end. I had nothing to do with those debts and have asked them t remove them and they will not. I do not owe that money to XXXX XXXX XXXX XXXX XXXX or XXXX XXXX, that is my husbands debt and I want it removed off my end of collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My problem is with LoanCare , LLC which operates the website myloancare.com. They purchased my loan two years ago. I've had the same homeowner insurance for 7 years. LoanCare , LLC paid my insurance last year on time. This year they didn't and I lost coverage. They show they sent payment but now sent me a letter stating I have no coverage and threaten to purchase more expensive insurance. They don't answer my calls nor respond to my emails.

They had all my insurance information as it hasn't changed in 7 years and they paid it last year.

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 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have recently gotten XXXX XXXX for me and my kids and I found that capital one has not one allowed someone to open a account in my name and I have a fraud alert and was not alerted to a application being put in or a card sent and used. They allowed some one to open a credit card in my XXXX yr old daughter name XXXX XXXX ssn:XXXX dob:XX/XX/XXXX I have contacted the company multiple times about both accounts I have submitted a police report and letters I writing I am asking for this company to delete the accounts my name is XXXX XXXX ssn:XXXX dob:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mobiloans, LLC
State: FL

Complaint narrative:
a long time ago I made the payment of the TOTAL amount of the loan to the Mobiloans company and wish to be removed from my credit bureaus the negative account report that reports and damages my credit. Rs a credit already paid and it's been a while.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
When I signed the loan document with Regions Bank in XXXX Florida, my mortgage was suppose to be a conventional mortgage. After I moved in there were tow mortgages both variable and the agent that signed my contract had suddenly disappeared. I called several times and was told that I couldn't go anything about it. I had to refinance and now they have raised my mortgage twice this year alone. I need to have a solution.

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 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
On XXXX/XXXX/2019, XXXX XXXX XXXX XXXX sent a letter stating that Calvary Portfolio was their client for a debt balance {$3300.00}. XXXX XXXX XXXX Services stated they were authorized to accept {$1000.00} on behalf of their client, due XXXX/XXXX/2019 as settlement in full. I sent {$1000.00} to XXXX XXXX XXXX XXXX to settle this account in full and XXXX confirmed my payment was delivered to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX XXXX/XXXX/2019 at XXXX Central and signed by XXXX XXXX 

On XXXX/XXXX/2019, XXXX XXXX XXXX XXXX contacted me by phone and said I owed a balance of {$2300.00}. I explained that I received a letter from their office XXXX/XXXX/2019 outlining the settlement in full. The agent said I was short {$44.00} and therefore owed the remaining balance. I asked, " why would they send a letter stating {$1000.00} was settlement in full, if I supposedly owed more than that amount? Also, I paid {$1000.00} toward this final payment. '' The agent said the letter I received from their office was not valid. I asked, " how is that possible? It is on your company letterhead and sent from your company? '' He did not have an answer and continued to deny that my letter was valid. Also, I never received a letter from XXXX XXXX XXXX XXXX to verify this new amount due of {$2300.00}. 

I checked my three credit reports and Calvary Portfolio has listed a balance in collections {$2300.00} as outstanding. I am disputing that a balance {$2300.00} is past due with Calvary since this was settled in full per the terms outlined in the letter sent by XXXX XXXX XXXX XXXX XXXX/XXXX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Contacted, XXXX, XXXX, and Transunion about a HIPAA violation, neither initiated a dispute over the phone.

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 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Contacted, Equifax, XXXX, and XXXX about a HIPAA violation, neither initiated a dispute over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Hello to whom it may concern. 

I have been in contact with XXXX  since XX/XX/2019 disputing a negative account and collections account they have failed to provide verifiable proof for. The accounts I disputed have not been verified since then under the FCRA and they have not been able to send verifiable proof after multiple letters I have sent. 

The process of letters sent and received are as follows : 1. Sent first letter to XXXX XX/XX/2019 2. Received a letter from XXXX XX/XX/2019 and XX/XX/2019 3. Sent next letter to XXXX   XX/XX/2019 4. Received a letter from XXXX XX/XX/2019 5. Received a letter from XXXX XX/XX/2019 6. Sent next letter XX/XX/2019 7. Received a letter from XXXX XX/XX/2019 8. Sent next letter XX/XX/2019 9. Received a letter form XXXX XX/XX/2019 10. Contacted CFPB today XX/XX/2019 Every time I have received a letter back from XXXX they have failed to provide me with any copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to DELETE all information which can not be verified. They have also failed to a investigation into my dispute. 

*NOTE* I have attached the documents of every letter sent and received to XXXX. I have also included, on the last page of the pdf, XXXX  deleted the accounts I have disputed with XXXX. XXXX have followed the FCRA and deleted all unverified accounts and XXXX should do the same. Midland Funding has failed to verify this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In the present expose as a client my dissatisfaction with a report from Banco Santander to my credit bureaus that affects my credit score which I am protecting, I have an excessively high interest, which has sometimes been difficult for me to maintain a payment to weather. I have spoken with the bank and they have told me that this is directly with the credit bureaus. The day we decided on a payment agreement, I was conducting intensive studies for my XXXX license from the state of Florida. I ask that the late payment report from my credit bureau be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I purchased an XXXX XXXX XXXX XXXX service in XX/XX/2018 I was told it was much better than my current service I was told I would get free installation and it was to be way cheaper and faster than my current service. Come to find out it was slower so I canceled I used the service for about 30 mins they told me I may receive a bill for the service which I was aware of I received a bill for XXXX $ I called the company they told me not to worry about it because they were going to credit the account since I canceled service within the writing amount of time for cancellation. I was told to disregard the bill. I did just that. Months down the line I moved and I received a new bill at my new address I called again they told me the same thing disregard the bill that there was a credit places on the account. A few more months I got another bill I called again they sent me to a credit service n told me to email them that they didnt know why Im still getting a bill I spoke with sunrise credit emailed them and was told to wait 6 weeks and I never heard anything back. I want to complain that Im being harassed by XXXX XXXX XXXX  for a bill I should have never received. So now my credit score has gone down a significant amount Because they have places a collection on my credit report and it is getting in the way of me buying a home

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CO

Complaint narrative:
The original loan was for {$650.00}. I was paying 646 % interest on the loan. This loan was taken out on the XXXX of XXXX. They were taking {$180.00} out of my paychecks twice a month for three months. I looked at the loan to see when it would be paid off and found out that it wouldnt be paid off untilXX/XX/2020. 
I called the loan company on XX/XX/XXXX to see if I could reduce my payments and they refinanced the loan at a rate of 285 % interest and are now taking out payments of {$77.00} twice a month. This loan is scheduled to be paid off in XX/XX/2020. 
Every time I have called for a payoff amount, the amount is greater than the original loan. Both times Ive called for payoff, the amount has been {$750.00}. 
Ive paid over {$1000.00} on the loan, how can the payoff go 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 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX/XXXX/2019, my Chase Sapphire Credit Card received a charge in the amount of {$360.00} from XXXX, which I did not authorize. On XXXX/XXXX/2019, I immediately opened a dispute in the local Chase branch. At that time, Chase gave me a temporary credit for the charge. A few days later I canceled the card to refrain from my credit card being charged again fraudulently. However, on XXXX/XXXX/19, the unauthorized charge reappeared on my card again. In addition, on XXXX/XXXX/2019, I received a letter from Chase ( written XXXX/XXXX/2019 ) advising that they received verification of the charge. Yet, it was a fraudulent charge that I did not authorize. Therefore, it is impossible for their verification to be accurate, and I should not be held responsible for the charge. Chase has closed the dispute and rebilled the charge amount of {$360.00} to my card plus interest. I am not happy with the way this matter has been handled. As a result, I do not appreciate the security measures that Chase offers in protecting my account from unauthorized usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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:
There were some issues with some branches and so I sent an email to the executive office last week. That same email was sent ccd to various people at chase executive office. 

Someone named XXXX from the executive team called me and left a voicemail on my phone with all misleading information. She refused to send a response via email. There was no extension number provided in that voicemail so that I cant track who XXXX is. 

I closed my account primarily based on what I was told by XXXX. 

The debit card team supervisor named XXXX told me today ( Sunday ) that the information XXXX has left on my phone is misleading and incorrect. I then asked to speak to the executive team. She connected me to another person saying you will be now speaking to the executive office. A lady takes the call claiming herself to be from the executive office. After few minutes of conversation I had a suspicion that the lady is not from the executive office. I disconnected the call. 

I called again and this time the representative said the executive office is closed on Sunday, and the supervisor XXXX transferred the call to some random person fraudulently claiming as the executive department of Chase. 

I called again to lodge a complaint against XXXX and asked for the complaint to be sent to the executive department directly. The representative took the complaint and gave me the complaint number and said the credit card team can open a case for me, for this particular case number to be forwarded to the executive team directly. So the call got transferred to some credit card team. 

The lady from the credit card team refused to take the complaint and disconnected the call on my face. 

It is transparent, starting from the branch representatives, to the phone supervisors and reps and all the way up to the chase executive office, all of them are corrupted. An act of corruption inside chase, as a large team.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has sent me to a collections agency named IC System Inc. They are attempting to collect {$210.00} that I do to owe. I have never been with XXXX XXXX XXXX and I have explained this to them numerous times. I am requesting that this be removed from my credit 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 explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My address is not correct which might be happened as previous resident who has same last name with me moved out XXXX family house after I moved in my current address. 

Please help me to correct my current address at all credit report. This incorrect address might be forwarded to many company and they updated my address incorrectly.

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 2019-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
Im a cash app customer in XXXX Mississippi. On XX/XX/19 a customer paid me by cash app in the amount of {$340.00}. Around XXXX my wife and I had dinner at a local restaurant and spent {$36.00}. This was my only purchase that day. The next morning I awoke to 5 complete different charges from 2 different merchants in a state far from my home that Ive never even visited. My card had not been stolen either as I still have it on me. All 5 transactions were made from gas stations in XXXX Tennessee. Four of the charges where from XXXX XXXX  XXXX  XXXX. This merchant ran 3 transactions of {$50.00} and 1 transaction of {$49.00} for a total amount of {$190.00}. It says gas above the name XXXX XXXX  on the cash app statement but no other information provided. The 5th transaction was from another gas station XXXX also in XXXX Tennessee for the amount of {$50.00}. This the only information I could see or come up with as I started to frantically search for the exact locations and phone numbers but was unsuccessful. I went through the steps of openin tickets of unauthorized transactions on each on and I searched for a customer service phone number for cash app and learned there isnt one. You have to email them and wait on a response. I have got only 2 response with the 1st response 5 hours later was one asking for a list of the names of merchants, the dates and time the transactions occurred and the exact amount of each one. And a reason why I was disputing the charges which was of course fraud/no knowledge. The second response after I emailed the info they told me to provide wasnt as hopeful as they informed me that I needed to contact the merchants and ask them for a refund myself and after they agree the refund initiation could take up to 10 days. Problem is that there is several XXXX  gas stations and several XXXX XXXX XXXX stations located in XXXX Tn and there is NO information provided to me on this app of any physical address or phone number which would help me locate these merchants. XXXX XXXX provides the service with Square cash aka cash app so why would they not be able to provide this information for me or track down where my money went and how someone was able to do such without my card or pin. I in trusted my money with cash app and never had a problem before until now. Please help me as I do not know what to do other than take a {$300.00} loss of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
This specific one involves OneMainFinancial. I unfortunately lost my job XX/XX/17 after XXXXyrs. I carried the insurance to cover all possible if anything likeso or else happened to hinder me from paying my bill. Prior to this, never late being automatically withdrawn from my account. When this happened and no income, all paperwork for this was taken to the office here making them aware as well as no unemployment etc. I am now getting a notice from XXXX and XXXX, XXXX in attempt to collect this debt in the amount of {$6500.00}! In no way do I feel this is appropriately taken care of nor does it need to be appearing on my credit report as for against me as well. This has been a tremendously challenging event for my family and I to say the least. My health has been the main reason for landing me to not being able to work. If a way of so and to pay my bills as I have my entire working life, by all means I would be. The unfortunate thing that I never thought would happen did though. Thinking of that insurance always making sure if having would be there surely obviously not. I would greatly appreciate the help if anything in any way with this matter. Thx in advance for the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent Wells Fargo a FCBA Evidence Request with no response. This account is paid in full.

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 2019-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Charges were already dropped and are reflected by XXXX but are not updated with XXXX. I demand this charges to be dropped. Thanks a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: NJ

Complaint narrative:
My address is not correct which might be happened as previous resident who has same last name with me moved out two family house after I moved in my current address. Please help me to correct my current address at all credit report. This incorrect address might be forwarded to many company and they updated my address incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: CA

Complaint narrative:
XXXX XXXX is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent XXXX XXXX a FCBA Evidence Request with no response. This account is paid in full.

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