vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: MI

Complaint narrative:
In XX/XX/XXXX I was alerted through credit monitoring that a company named Hunter Warfield in XXXX, FL reported a fraudulent collection account under my name and ssn #. I immediately contacted Collection Attorney XXXX XXXX who sent a letter to the company requesting court documentation confirming the account however no court documentation or court judgments were provided. Attorney XXXX requested court documentation again in XX/XX/XXXX however Hunter Warfield failed to provide any court supported documents as required by the State of Michigan for non-payment of rent complaints. Instead the company continues to report inflated amounts for a fraudulent collection account to all 3 credit bureaus in attempts to ruin my credit. A 7 Year Fraud Alert was initiated on my accounts in XX/XX/XXXX after I received alerts for Homeland Security and the US Dept of Personnel in Washington, DC indicating that my personal information was compromised from their databases, and this information was sent to all 3 credit bureaus. The fraudulent entry of Hunter Warfield needs to be removed from my reports unless they can provide court documents, court judgments, or other court documentation for the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: GA

Complaint narrative:
I have ask this company to verify the information on my report by providing documents, and they refuse to send any information, but the items remain on my report, and this is causing a financial hardship in my life.

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 2019-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I received a pre-approval letter with an acceptance code from XXXX Credit Card on XX/XX/2019 by mail. 
That same evening I decided to activate it, its a fairly simple process, I went to my desktop, logged onto their website, filled in the blank, including my Social security number, my employment, income, mortgage and pressed submit all to find out I was declined and a letter would be sent out explaining why. 
My big issue is, had it been a pre-qualify or an invitation letter, I would not have proceeded. 
This was a total gimmick to get additional information from me and I am very upset. 
Pre approval has my name on it, the amount I'm approved for, there is an acceptance code. 
The fine prints read " final approval is not guaranteed if you do not meet criteria, including proof of ability to repay. 
Well that criteria was not defined and I certainly have the ability to pay. 
I wish for XXXX Credit Card to stop such practices and I am seeking Class Action Law Firms who may be interested in such matters. 
According to the customers service I contacted, they get several such complaints every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act by fraudulently and illegally placing an outdated account that is not mine into my credit report. The account, from XX/XX/XXXX, was placed into my credit report well over a decade later in XX/XX/XXXX when I discovered it. I have learned the account was charged off in XXXX when XXXX XXXX XXXX filed for and declared Chapter XXXX bankruptcy, going out of business. XXXX XXXX XXXX refuses full transparency as I have asked for and refuses to provide me with the information that I have requested. Instead they told me to contact XXXX XXXX XXXX, which they know does not even exist. XXXX has also told me that they are not responsible for putting this into my credit report, when in fact it is them. Each time I file a dispute with Tran-Union, XXXX provides additional false information to them which I have documented. One example is how XXXX put into my credit report " Last payment made on XX/XX/XXXX '' to make it look like I was making payments. This is a complete fraud, abusive, unfair practice, and misrepresentation of debt by falsifying information to Trans Union. XXXX refuses to supply me with further documentation showing the amount of this payment, method paid, and person responsible for paying it ... because it is an abuse of power which should be stripped away from 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 2019-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I asked Wells Fargo for the balance of my debt in XXXX. They have not provided such. I asked Wells Fargo to provide documentation that my previous loan holder, XXXX XXXX turned my account over to them. They have not provided such. They also gave me a false interest statement for my taxes. I pay {$160.00} per month, so my interest should be more than {$190.00}. I make payments every month. They are being malicious. They ask where I work, even though I pay every month.

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 2019-03-15 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: PA

Complaint narrative:
On XX/XX/2019 CashApp withdrew {$1300.00} from my checking account indicating that it was a REFUND ( the date of the original transaction was back in XX/XX/2019, not sure why they took a refund 2 months later ). The funds were released from my account by my bank on XX/XX/2019. This  refund was not authorized nor requested. There is no telephone number for CashApp so I sent an email on XX/XX/XXXX to XXXXXXXX requesting the funds be returned. I received a communication from XXXX XXXX XXXX on XX/XX/XXXX requesting further information for them to investigate ( to which I provided the information ). On XX/XX/XXXX I sent another request for investigation ( to which no response was received ). On XX/XX/XXXX I left a message on the App Store advising of the problem. I received a communication from XXXX ( XXXX XXXX XXXX ) advising they passed the case along to a " member of our Disputes team ''. On XX/XX/XXXX my mother sent email to XXXX XXXX XXXX requesting return of funds. A reply was received from XXXX XXXX in essence requesting the same information. I sent the information again. Please note that, to date, XXXX XXXX has NOT received the {$1300.00} withdrawn from my account and CashApp has not responded to my inquiries for investigation ( only been given runaround ). This has caused me undue financial hardship and I am unable to pay my bills. The below information is the information that I have repeatedly provided CashApp. 
Cashtag : $ XXXX Phone Number : XXXX Senders Phone No. : XXXX Email Address : XXXX Recipients Phone No. : XXXX Identifier of the transaction : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LCO Financial Services, LLC
State: NJ

Complaint narrative:
I called the company today to pay off the remaining of my principal balance. When they offer me the loan before, they said i can pay off the loan any time without any penalty. I have remaining {$640.00} on my principal balance. They said they can not process my payment because they already processing the {$190.00} payment that is due for tomorrow. So I said fine, then process the remaining {$630.00}, the remainder after that {$190.00} deductions. They said, they can not process it till Monday. Today is just Thursday. Then they said, on Monday, it will be {$660.00} and some cents. I asked, is that even after they deducts {$190.00} from my account?, they said yes. I said why is it too much. They said, because of the interest fee on those days before Monday. I said, that is why I am paying it off now, to avoid additional interests fee. They gave me a hard time over the phone. I attached the summary of the breakdown of my payments supposed to be. But this people lied about I can cancel at any time without any penalties. I have another loan that I also just paid off. They let me pay it off without question. They even made some deductions on my remaining principal balance because I was paying it off. But this company wont do that, and they have very high interest rate on top of it.

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 2019-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX XX/XX/84 ssn : XXXX XXXX XXXX XXXX XXXX s. XXXX XXXX XXXX, nevada XXXX XXXX XXXX XXXX XXXX XXXX nys XXXX today in XXXX XXXX XXXX XXXX and XXXX XXXX lets remember no us bank can keep you from your cash for any reason. not to mention if chase needs to verify someone theirs a corporate number a important person at every branch calls and computers verify you ... and youd think i was actually me before asking i already know questions thry ask to verify if ya lost ya card they aint ask mr how much i get from us treasury monthly ... even told them my last two withdraws were from XXXX ... and id imagine since fdic insurs ya cash there are federal rules in situations like this. so you know why this guy told the teller not to give me my cash? cause my signature didnt match when opened scct five yrs ago i go give me an email address youll have ya in box XXXX not good enough cause he ran and tellers need over ride but XXXX intelligence ifentification protection act and this wouldnt mean XXXX if i walk around XXXX and facial recog? what i want a federal investigation not on me but chase jp morgan and how when one campaigning one thing but do me a favor you know..then actually do whatever you think is right ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I had a prior lease with Ford Motor Credit, and recently entered into a new lease agreement. I had the prior lease set up with automatic monthly payments through my bank that wasn't canceled and Ford credit received the payment. Ford credit sent me a letter requesting where to apply the payment, Reference #  XXXX XXXX, on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with a senior analyst who said she'd send an email to investigate and apply the payment, and I informed them I'd make the payment for the remaining monthly balance on XX/XX/XXXX. I made the payment through the online account manager to be paid in full for XX/XX/XXXX, prior to any late charges being owed. I received a call today from a Ford credit collections representative who told me that my account was past due, and no payments have been applied towards my account. I asked to speak to a manager to get this resolved, sat on hold for 10 minutes and then was hung up on. I've attempted to correct the issue, I tried working with Ford credit and fear they will negatively report on my credit unjustifiably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: CA

Complaint narrative:
I have been trying to cancel my PMI for several months. My home has appreciated to the point where my LTV is now near or above 78 % requirement. I am willing to pay for appraisal. I've called customer service twice and been given a contact email address : XXXX which is an invalid address! I've used the " contact us '' form on the website and I've sent physical letter and received no response! Let me reappraise my home and cancel the PMI please. 

Archome loans, WEI mortgage, XXXX Archome loans ... all the same company as far as I can tell.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my 3 credit bureaus ( XXXX, Experian, XXXX ) and found many unauthorized inquiries that I did not recognize. I am trying to close on a home and the creditors that made the unauthorized inquiries refuse to either investigate or remove them. Please help. This is destroying my credit.

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 2019-03-15 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: Freedom Mortgage Company
State: WA

Complaint narrative:
I submitted a dispute regarding my account with Freedom Mortgage to all three credit bureaus, XXXX, XXXX, and XXXX. The dispute was accepted finally and it was removed off of all the bureaus. Then, all of the sudden the same mark was put right back on. I contacted Freedom mortgage and they reassured me that they did not resubmit the information. Every time I have contacted the three credit bureaus I get no resolution. They even put the mark back on the wrong month for XXXX. This has dropped my score over 100 points and I am never late on anything. This is not right. I need this removed permanently.

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 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My chase account was randomly closed with no explanation as to why. XXXX dollars that I depended on were not returned and I was told I would not be getting my money back until whatever investigation they had ended. 

I spoke to three branch managers and they all told me that they dont have access to my account anymore. 

Furthermore, upon calling chases customer service line, a customer service representative hung the phone up on me once she told me that my funds were not available and told me to wait. 

This is completely ridiculous and I deserve to have my money. If the bank does not want my business thats fine but I should not have to wait for an investigation which I have no idea why Im being investigated in the first place be finished before getting my money back. I have bills to pay and it seems that Chase does not care at all about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony bank has been repeatedly reporting various accounts including closed accounts that were discharged in a bankruptcy to all 3 credit bureaus showing the account holder ( myself ) as deceased. I have disputed this over and over again to all 3 credit bureaus and with synchrony bank ( when I can get a hold of someone ). I have no answers as to why this keeps happening and it keeps causing me to have no credit score. This feels like harrassment from synchrony bank.

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 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Company appeared on my credit XX/XX/2019 without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of a matching OLD address on file THAT HAS SINCE BEEN REMOVED DUE TO IDENTITY THEFT and birthday. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never attended XXXX XXXX University and I have no knowledge of this account. In fact I have had over XXXX in student loan debt dismissed via the XXXX XXXX XXXX due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: PA

Complaint narrative:
I submitted a dispute with Experian about a debt being reported on my credit file.. The complaint included the facts that I was being charged an equipment fee ( which was returned ) Also a cancellation of contract fee ( we had already reached the terms of our contract and was no longer in a contract ) I submitted on the XXXX of XXXX and their results were available on the XXXX of XXXX which in no way can ever have the results of a fair investigation.. Also this account in question is being charged for dates we did not live at the residence which i can provide a current lease to the residence we moved to.. 
XXXX XXXX XXXX  XXXX Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$630.00} past due as of XX/XX/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 2019-03-15 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: National Enterprise Systems, Inc.
State: MO

Complaint narrative:
National Enterprise Systems has violated my rights under the Fair Credit Reporting Act by fraudulently and illegally placing an outdated account that is not mine into my credit report. The account, from XX/XX/XXXX, was placed into my credit report well over a decade later in XX/XX/XXXX when I discovered it. I have learned the account was charged off in XXXX when XXXX XXXX XXXX filed for and declared Chapter XXXX bankruptcy, going out of business. National Enterprise Systems refuses full transparency as I have asked for and refuses to provide me with the information that I have requested. Instead they told me to contact XXXX XXXX XXXX, which they know does not even exist. NES has also told me that they are not responsible for putting this into my credit report, when in fact it is them. Each time I file a dispute with XXXX, NES provides additional false information to them which I have documented. One example is how NES put into my credit report " Last payment made on XX/XX/XXXX '' to make it look like I was making payments. This is a complete fraud, abusive, unfair practice, and misrepresentation of debt by falsifying information to XXXX XXXX. NES refuses to supply me with further documentation showing the amount of this payment, method paid, and person responsible for paying it ... because it is an abuse of power which should be stripped away from National Enterprise Systems.

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