vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I paid off my XXXX XXXX bill {$92.00} and the service was disconnected on XX/XX/XXXX which was my last day at the apartment where the charges were billed to. On XX/XX/XXXX I received my last bill which shows no forward balances and no further owed amounts on the account. I attached my bank statement which shows consecutive payments to XXXX   XXXX Less than a year later in XX/XX/XXXX I found a charge off from XXXX  XXXX for {$410.00}. Since then, I have attempted to settle the dispute directly with XXXX XXXX and was unsuccessful, I then contacted the collection agency directly, however they could not provide back up which proved that the {$410.00} charge sent to them from XXXX  XXXX was a valid charge. I have made numerous calls, explaining the situation and have provided back up to prove what I have stated in emails but my emails are never answered and the issue has yet to be resolved. I will be in the process of purchasing a house soon and this charge is seriously impacting my and my husbands 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 2019-05-13 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: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I closed my account in 2011 why is it still reporting to all three bureaus. This company refuses to remove the reporting of this old account. Why do they have the right to hold an old account such as this still reporting?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Per complaint # XXXX, Amerihome Mortgage Company accepted responsibility to negligence on our account, and agreed to refund every month of overpayment on our account. 

The complaint was closed a month ago, and our account has not been reassessed for a corrected future payment. Our payment is the same as if we were still overdrawn in escrow ( they have refunded the incorrectly collected escrow fees ... but no change in our payment? ) We have not received a refund for overpayment. Our account has not been reassessed for future payments. I do not believe that Amerihome plans to correct this issue, as promised. I believe that they plan to ignore the decision agreed upon in the closed complaint referenced above.

Additionally, Amerihome has now tacked on a phantom charge onto my account. When accessed through an online portal, we are shown to owe no late fees, and to be current. The physically mailed bill contains a {$120.00} " fee '' that is now considered late ( please see attached photos ). Customer service agents are unable to explain the discrepancy, or where the fee came from/when it was applied. I am worried this will hit my credit, as it is not listed on my online bill ( how my monthly bill is auto-paid ) and therefore is considered " late '' on one bill but not another? The fee does no exist across all of their platforms, and is impossible to tell if it is legitimate. 

This company is acting in extreme bad faith to their consumers. 

I have : *A : not been paid back the amount that the overcharged me, as promised. 
*B : Not had my bill reassessed to reflect the correct amount I should be paying. 
*C : Now been charged on one billing mechanism ( but not another )? for a random fee that no one can explain to me. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On the morning of XX/XX/2019 a man by the name of XXXX XXXX hacked into my account and stole an amount of {$600.00}. The man began by trying to take out $ XXXX dollars out of my account using XXXX, which is M and T Banks system for sending money to anyone you wish. The bank had caught this and sent me an email that they stopped these transactions and marked them as fraud. However, later that day the same person began taking smaller amounts of money ranging from $ XXXX dollars. I had called the bank as this man was taking the money to cancel my account as fast as possible. While waiting the man continued to take money. By the end of the phone call the man stole {$600.00}. The bank had told me that they would start an investigation and I should see my money returned within 3-10 business days. As day 10 passed I called the bank to see what the hold up was. I talked to a woman who was the farthest thing from helpful and could care less that I was a client with her bank. She had said that the bank did an investigation and I wasn't going to see my money and that it was my fault and that I sent the money. I began to plea my case stating facts like why would I cancel my own account in the middle of sending these transactions, also why would I sent such small and numerous amounts to this man. Lastly I even got a police report to prove that I wasn't lying but non of this was good enough to get my {$600.00} dollars back. The next coming days I called again because this is absurd that im not getting a dime back. I talked to a gentleman and he proposed taking this man to small claims court, now between court costs and a lawyer I would be well over my {$600.00} lost already, but seeing as this money was sent to this man the bank should have an account number or something as to where the money went but nope, no information is what they said they had on the man.

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 monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
On XX/XX/2018 I was struck by a deer while driving. I was alone and I was not injured and neither was anyone else. I filed a police report so that I could make a comprehensive claim on my car. Later I found out that it was reported on my MVR as property damage accident crash report. Ive hit deer before and filed police reports and no others show up. I spoke with my insurance company who informed me that it was reported inaccurately and it shouldnt be on my MVR as an accident because it was a comprehensive claim and there was no damage to anything but my own vehicle. Now I am looking for a new insurance company and the inaccurate record is making my premiums extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: PA

Complaint narrative:
Fraudulent account XXXX XXXX XXXX Amount XXXX Date 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 non-monetary relief
Consumer complaint received 2019-05-13 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: MD

Complaint narrative:
I did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus. 

XXXX XXXX XXXX XXXX  inquiry XX/XX/18 XXXX XXXX XXXX XXXX, Suite XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX  XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from 1st Investors Financial Services indicating that the inquiries were made at the request of XXXX XXXX XXXX  and XXXX  XXXX. So I contacted XXXX XXXX XXXX and XXXX XXXX who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.

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 2019-05-13 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: RateGenius Loan Services Inc
State: MD

Complaint narrative:
I did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus. 

XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from XXXX XXXX XXXX XXXX indicating that the inquiries were made at the request of XXXX XXXX XXXX   and Rate Genius. So I contacted XXXX XXXX XXXX and Rate Genius who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have an installment loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.

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 2019-05-13 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have an installment loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX   XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.

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 2019-05-13 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: PA

Complaint narrative:
Fraudulent account XXXX XXXX XXXX Amount XXXX DateXX/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 2019-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
The dates and amounts cary over the course of 10 plus years. I would receive phone calls and they were calling me names, like XXXX****, and saying i got the loans now its time to pay or i will my house, car, children would call me at leasr 20 times a day. I changed my phone number over and over and they still found it. They said i had to send payment asap. 
I would get different information everytime i would talk to XXXX. I was given more amounts of what i owed or how much my monthly would be They told me everytime called that my account would be updated with the information, but of course, never was. 
They would callny job at the time i hsd one, that i got fired because of them. 
Was even told the law enforcement will be showing 5that same day to take.me to jail. 
Was told since i was also on state assistance, to get off my XXXXXXXX XXXX XXXX*. Was called XXXX XXXX. Sometimes they would be arguing with me that i couldn't get a word in i would cry for hours because of their nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
XX/XX/XXXX- I leased XXXX XXXX XXXX 2016, Representative XXXX showed me the car with all the features but gave me a different one without any features. The one I brought home had only the basics and it was the same car. When I brought this concern to the supervisor and also to the few more representatives working there, they didn't address the issue. So, I managed to pay the whole lease even though it wasn't the car I picked. I was told that representative who sold me the car had been terminated because he cheated several clients. 

At the end of the lease XX/XX/XXXX, I emailed the company multiple times because I wanted to purchase the car and no one showed any interest. I was also at the dealership because I wanted to purchase the same car or maybe another car XXXX  XXXX, 2016 which I really liked. They said, someone will call me soon and no one ever reached out to me. I received a statement saying that I owe company {$1200.00} because the termination fee and I scratched the door. When I returned the car they actually inspected the same day and there wasn't any scratches. Also, the termination fee was never mentioned to me when I leased the car. I paid the whole lease off so I am not sure, why they want me to pay more money. I am an XXXX student and I have a lot of student loans to pay off so please help me out in this situation. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: MI

Complaint narrative:
I contacted Transunion a total of 4 times regarding disputing invalid credit inquiries on my credit report. I pulled a copy of my credit report and saw that there were a total of 7 credit inquiries from different companies that I never authorized to pull my credit report. I dont believe this information is related to identity theft because I contacted each of these companies and gave them my personal information including Name, Address and Social Security number and they could not locate any applications or accounts on file. I believe that my information is being mixed with someone else. I contacted Transunion to investigate these inquires are they would not even dispute the inquiries from my credit report. They stated that inquiries are factual data and can not be disputed. Transunion is violating the Fair Credit Reporting Act by not disputing inaccurate information on my credit report. This is why I am filing a complaint against Transunion. Transition has failed to conduct a reasonable investigation regarding this issue which is in violation of the Fair Credit Reporting Act. I would like Transition to remove the following inquiries. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXl XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX   XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX 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 2019-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I attempted to log into my account at TransUnion to unfreeze my credit. I was unsuccessful. I clicked on Forgot Password and then answered several questions to verify my identity. At the end it said it could not verify my identity, even though I know all my answers were correct. I then attempted to call the number given to talk to a support team member. The message said a 5 minute wait. After 16 minutes I hung up, because I had to get back to work. 
I called another number TransUnion had for unfreezing credit via an automatic voice system. This was unsuccessful and then put me on hold again for a customer rep. 
I tried a few more times to access on line and was not successful.

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 2019-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened a Citi Accelerate Savings account and on XX/XX/2019 attempted to transfer {$11000.00} into the account from an external XXXX XXXX Account. On XX/XX/2019 XXXX notified me that an item had been returned. I subsequently called Citi Customer service and was told that the transfer was marked as potentially fraudulent and that Citi had attempted to contact me but could not get ahold of me to validate the transaction and therefore rejected it. I am unavailable during business hours while at work and had no voicemail or email from Citi asking me to call to validate the transaction. It is unclear why this call to customer service could not have resolved the fraud concern. 

Because I had received an email from XXXX indicating the item had been returned, on XX/XX/2019, I attempted a second transfer of {$3000.00}, thinking a smaller amount would not raise fraud concerns. I did not know at this time the funds from the prior transfer attempt had NOT been returned to my XXXX account, and therefore the transfer was rejected due to insufficient funds. On XX/XX/2019 I received an email from XXXX indicating that an item had been returned and an email from Citi indicating the transfer could not be completed. Citi automatically tried this transfer again, with the same insufficient funds errors, and as a result of the two failed attempts, suspended my ability to transfer money into the account. 

I called XXXX customer service on XX/XX/2019 and was told to expect a call after they could research whether the funds were in a XXXX suspense account considering that the " dream '' savings account has a monthly deposit limit of $ XXXX/month, therefore the system may be rejecting the return of the funds. I received a call indicating that the funds were NOT with XXXX and that I should call Citi to request they investigate the same. 

I called Citi Customer service again on XX/XX/XXXX and was on the phone for 1 hour and 6 minutes with no resolution. I spoke with 2 different customer service representatives, the last who told me that the funds were in Citi 's system and possibly hadn't yet connected with XXXX ' system but could not tell me a date this would be resolved. 

I called Citi customer service on XX/XX/XXXX and was told the funds were not with Citi and to call XXXX. Citi offered to wait on the line with me while I called XXXX customer service, but eventually told me they could not continue to wait and hung up.

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 monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I called American Express on XX/XX/2019 wanting to cancel my credit card. They transferred me to their retention department and they offered me a {$50.00} statement credit if I spent {$1000.00} on that credit card within 3 months. I met the spend requirement on XX/XX/2019. 

Called on XX/XX/2019 and asked when I should be receiving that {$50.00} statement credit. They said it takes 6-8 weeks to see the credit. 

Called back on XX/XX/2019 to follow up and they said they see it on my account and they're not sure why it's not credited but that I should see it soon. 

Called bak XX/XX/2019 and spoke to a Manager. She escalated it up and promised me she would call back within 24 - 48 hours with an answer. Never received any call back from her. 

Called back AGAIN XX/XX/XXXX, and they said they're " looking into it '', and it could take 30 - 90 days. 

This is ABSOLUTELY ridiculous. I've done my part, and I shouldn't have to be following up and wasting my time and energy on something that they promised in the first place. It really shouldn't be this difficult to look into and apply to my account.

Company response to consumer: Closed with explanation