vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On X/XX/17 I attempted to withdraw {$80.00} cash from a XXXX XXXX ATM machine in XXXX, NY. When the machine did not dispense the cash and the transaction showed as completed, I immediately asked for the store manager for help.
The manager instructed me to call my bank as the issue had been happening for months according to her without any repairs or resolution. I asked why they had n't put a sign up or called for a repair and could not receive an answer. I immediately called my bank, JP Morgan Chase and put in a dispute/claim for this transaction gone wrong. They informed me they would look into it and provided me a temporary credit of {$81.00} including the ATM fee. On XX/XX/XXXX, the credit was reversed and I was recharged for {$81.00}. Once I noticed this, I called Chase to inquire and was told that the ATM vendor records claim that the money was dispensed and so my claim was cancelled. They claimed to me that they were not shown any proof of this or any logs as well. Furthermore the claims agents were not able to provide me with a phone number to try to dispute directly with the XXXX 's ATM vendor. At this point, I do not know how to contact them and get this resolved. I have been robbed of {$81.00} and I can imagine how many others have been as well. The fact that this ATM charges a nominal fee also means that many low-income people who live nearby or frequent the chain store are being robbed is alarming. I request the help of CFPB and hope there can be positive resolution not just for me but for the others that may not have been helped. This may also be a scam location that noone is aware of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-26 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: KY

Complaint narrative:
I have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.

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 2017-05-26 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: KY

Complaint narrative:
I have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.

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 2017-05-26 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: KY

Complaint narrative:
Credit reporting agency did not delete  XXXX  charge off accounts after I was mailed a  XXXX  and disputed accounts. Accounts are written off and should not be reporting.

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 2017-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This complaint is late and for that I am sorry. Back in XX/XX/XXXX XX/XX/XXXX wells fargo opened up a business account without my permission also opened one told me a waiver of fees was on it for a period of time then reneged on its promise which is misrepresentation. I am unaware but need to know if this would fall under the class action suit currently being pursued. It caused me aggravation, loss of time, demoralization and financial heartache. I know the business savings was unauthorized. this was done in XXXX NJ by someone named XXXX. Lies lies lies about fees being waived. No calls returned by district managers in response to mine. My concerns. I want to know what can be done esp since I had ot move my business account to XXXX XXXX XXXX due to the lies. at wells fargo about waiving fees on account I authorized. Savings account I did not. this was in XX/XX/XXXX what can be done?

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 2017-05-26 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: TX

Complaint narrative:
ON XXXX/XXXX/XXXX I called XXXX XXXX XXXX formally known as XXXX XXXX XXXX XXXX at telephone number XXXX about a collection on my credit report I spoke with a rep by the name of XXXX that stated he could not hear me I asked him to hold while I adjust my phone he hung up on me. I then called the same number back ( XXXX ) again and spoke with a XXXX XXXX that first asked me the spelling of my last name then first name and then my date of birth. I told her that I had a copy of my credit report and it had her company listed and I was not familiar with that company nor did I owe that company. She stated to me that her company purchased my account from XXXX XXXX XXXX for a XXXX XXXX that I received on XXXX/XXXX/XXXX. First of all I never received a XXXX because the wait was long I left the hospital, so the hospital charged the insurance company for service I never received, needless to say then supposedly send me to a collection company for service or something that I never heard of. I asked her if she could send me verified documentation with my signature and social security number to verify what she saying is correct and she said that she would not have that information. I then stated to her unless she could verify that I owe her company {$1300.00} the collection from her company should be removed from my credit report immediately. She refused and stated that the amount and debt was valid. I told her that I never received any services from XXXX and she again stated that I received a XXXX XXXX. If I would have received any service for the collection company to know what service a hospital provided if any were provided is against HIPPA violations so for that reason alone and the fact that I never received any services and nothing can be validated I am requesting that again XXXX XXXX remove this insane debt off of ALL XXXX OF MY CREDIT REPORTING AGENCEIES ( XXXX, EXQIFAX, XXXX ) it 's  damaging my credit rating and causing me hardship of not being able to purchase my home. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: KY

Complaint narrative:
Credit reporting agency did not delete  XXXX  charge off accounts after I was mailed a  XXXX  and disputed accounts. Accounts are written off and should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Credit reporting agency did not delete  XXXX  charge off accounts after I was mailed a  XXXX  and disputed accounts. Accounts are written off and should not be reporting.

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 2017-05-26 00:00:00
Product: Debt collection — Medical 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: Account Brokers Inc.
State: CO

Complaint narrative:
I sent a dispute letter to Account Brokers for a medical debt from  6 yea rs ago requesting validity of debt. They responded by serving me a pattern interrogatories unde r CRCP 369 le tter. No court date was listed on the letter and it was not signed by the court. The women who served me at  XXXX  at night threatened that if I did not comply, that I would be arrested. The case number they had listed on the letter was from XX/XX/XXXX   T his is not only an illegal threat it is also in violation of the  SOL in   Colorado since the debt is from    XX/XX/XXXX .   Also, falsifyi ng information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates. Equifax,  XXXX , and   XXXX   continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I am disputing the delinquent balance on my home loan due to money mismanagement on the behalf of my loan servicers.   I n   XXXX   XXXX   XXXX  , I re ceived a loan modification from   XXXX   XXXX   XXXX   .    The loan modification agreement was to change my home loan from an adjustable rate to a fixed interest rate.   I n   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    was now the new servicer and I was making my payments of  XXXX  which was for principle and interest. I was responsible for paying the real estate taxes and homeowners insurance separately.   On  XXXX   XXXX ,   XXXX   XXXX   XXXX    started charging me a fee for the city taxes. I disputed the charges with   XXXX   XXXX   XXXX   and the   XXXX   XXXX   XXXX   . I continued to make the required payments of  XXXX .      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   started sending me checks for different amounts. I sent the checks back to   XXXX   XXXX   XXXX   with a letter stating their error in posting my payments in a timely matter. This went on for two years.     On   XXXX   XXXX   XXXX  ,  I received a letter that   GreenTree will now be the new servicer.
Once Greentree received my loan, I started being harassed by their collection department calling stating I was delinquent and dem  anding that I send a check to bring my loan current.   On     XXXX   XXXX   XXXX  , my loan went into foreclosures status.
I continue making my pay  ments but they were never credited to my home loan.    Greentree held my payme nts form  XXXX  to  XXXX  and the money was never taken from my banking account.    GreenTree d id return all of the payments that they held. When I spoke to a representative, I was advised to stop making payments unless I make a large payment to bring my account current.   I had no communications with the servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: NY

Complaint narrative:
I realized in  XXXX  of  2017 th at my interest rate was changed. It is currently 29.9 %. When I opened the account it was in the low teens. I did have one late payment in  XXXX  on this account. I have called the company, they offered to increase credit line and lower future rate, but would do nothing on my current rate. I would like a full accounting of when and reasons why my interest rates were changed since the inception of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Since XX/XX/2016, I have been trying to work with American Express on a credit card debt of approximately {$11000.00}. Prior to this time, I had a high-paying job, which I lost, and I am also going through a divorce. I had a number of other big-name creditors ( XXXX, XXXX, XXXX ), all of whom I contacted at the time of the job loss and with whom I worked out a payment plant. I have been paying all of these other debts on time and have never received a single collection call from the other creditors. I attempted to work out a payment plan with American Express similarly but on four separate occasions, the caller threatened to damage my credit if I did not pay a certain amount at that time. <P/>They refused to work out a payment plan with me ( not a settlement, I fully intend to pay off all of the debts in full ) until I paid the set amount they demanded on the phone call. Often, I did not have enough to cover the amount, but I paid it anyway because I was worried about ruining my credit. I also began working with a credit consolidation agency recommended to me by XXXX called XXXX XXXX XXXX. I wanted the AmEx debt to go onto this consolidated payment plan, but AmEx apparently refused according to XXXX. Until XX/XX/2016, I had never missed a bill or had a late payment in my life. My credit score was in the high 700s. Now it is in the low 500s, because AmEx is claiming I am not paying, when I have made every attempt to come to an agreement with them. They are making daily calls to my cell phone. I have asked them to stop and said I have repeatedly made attempts to come up with a payment arrangement. They continue to refuse to make a payment arrangement with me unless I pay the collector on the spot right at the time of the call. I believe that this collector is actually affiliated with AmEx and not from an outside agency. They even called my parents in Ohio, saying they were " trying to get ahold of me, '' which upset my parents a great deal. <P/>I simply do not understand what I did wrong here. Every other creditor, including some health care creditors and other big banks, have worked with me exceptionally well and I have paid off my negotiated plan without any issues. This single creditor I believe is using harassing phone calls and deceptive tactics ( telling me they will work out a payment plan with me after I pay, and then doing the same thing the next month ). I am very upset, but am lucky to have some good resources at my disposal -- I worry that this company is taking advantage of others who do not. I want the calls to stop, I want the creditor to make some reasonable accommodation for me to pay the debt and I want them to treat myself and their other customers with honesty and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Santander Consumer USA has been taking monthly payments out of my checking account for payment on my RV for over 10 years. The last payment was due on XXXX XXXX, 2017. I received the monthly invoice/statement like normal for the last amount due and noted that it was a few dollars less than the past amounts. There was no indication that I needed to send them a payment. On the week of XXXX XXXX, 2017, they started calling me. On XXXX XXXX, 2017, at around XXXX they got me at home and told me I had to send the last payment in and because I was late with payment there would be an additional {$3.00} of interest. I did not consider this to be my problem, but their problem for not letting me know I should have paid them by check instead of having them take the money out of my account. I asked to speak with a manager and did not get anywhere with them on the disagreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wrote Transunion,  XXXX , and  XXXX  in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was  the 3rd  party is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN

Complaint narrative:
My loan was taken out XX/XX/XXXX with the first payment of {$230.00} due on XX/XX/XXXX. On XX/XX/XXXX I made a payment. Pleased that so much more went to principal over interest, I was committed to paying my loan early.
Then, One Main closed my initial account and opened a new account with the same info. I 'm not sure why, I never received any communication on this. I now have two accounts from One Main on my credit report. At any rate, my statement date changed. I did not have an amount due when I made a payment on XX/XX/XXXX. I made a payment of {$250.00} figuring I could pay down faster.
On XX/XX/XXXX a statement cut and showed {$0.00} due. This seemed fine because I had just made a payment on XX/XX/XXXX.
On XX/XX/XXXX a statement cut and showed {$210.00} due. I made a payment on XX/XX/XXXX.
On XX/XX/XXXX a statement cut and showed {$230.00} due, with no reduction in principal balance. This is when I called One Main.
They are saying since I did n't make a payment in the month of March, the entire {$210.00} PLUS {$20.00} from my May payment all went to interest.
They keep saying I did n't make a payment but this is not true. So far, I 've had 4 payment due on the loan ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). So far I have made 4 payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: OH

Complaint narrative:
A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates.  XXXX , Transunion, and   XXXX    continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    TRANSUNION   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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