vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: PR

Complaint narrative:
Original Creditor : XXXX XXXX XXXX : {$240.00} I've lived in P.R all my life, never in the U.S. Since XX/XX/2017 I have received collection notifications from different creditors of the U.S. I already reported to the P.R. Police Department, at XXXX, XXXX, I even sent documents and called XXXXXXXX. They delete the account and within a couple of months another account appears in another U.S. state. I am a FEMA employee and this continues to put my job at risk, because of the background they make me. I NEED TO RESOLVE THIS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed an unpaid debt amount that was reported by a creditor to Transunion and sought debt validation from the creditor. Transunion failed to provide any debt validation. However Transunion did not remove the account from my credit history within the 30 days term and refused to remove the debt account. The debt charge is below : AD XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX Transunion..why are you not following the FCRA policy? Please let me know. Thanks.

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 2019-08-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute U S DEPT OF ED/XXXX/XXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.

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 2019-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Siggi LLC
State: VA

Complaint narrative:
Since XXXX of 2019, we have been struggling to deal with Omni Financial. My husband is XXXX XXXX military and after learning about the Service Members Civil Relief act and the Military Lending act, we realized that our experience with them has been unlawful. Unfortunately, we were taken victim by them several times. Seven in fact, because we simply couldn't pay our bills. Our interest rate has always been at 36 % with them. Which should have obviously sent a red flag from the start. Not only because 36 % is astronomical, but because it is the exact limit that they can charge my husband. Each time we applied, they told us that we had to set up direct deposit from my husband 's check. At the time, I didn't realize that was a violation under the MLA. I have tried several times to contact them regarding my concerns, however it's obvious that I'm being blatantly ignored. The last request was ignored for an entire month until I had time to sit down and call several times in a day. Still I was told that I would receive a response, and nothing. This morning she actually got back to me and tried using the term " obligation '' as a loophole in the law. She explained that there were no goods or services involved in our loan, so therefor, she didn't have to entertain my request. In addition to all of this, my husband 's home of record is Ohio. Ohio is a key provision state that protects debt acquired during XXXX XXXX as well as prior to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On Friday XX/XX/XXXX a transaction was processed to my account from XXXX XXXX for {$100.00}. This money was taken from my total balance, and at the time there was around {$500.00} left in the account. Either the next day or on Monday, a {$40.00} transaction from Acorns was processed to my account. The funds were available in the account at that time. 

On Tuesday XX/XX/XXXX, Chase charged two {$34.00} overdraft fees to my account for both of those transactions. The explanation was that the money was being held by the vendor and didn't process until after the initial dates they were supposed to have come out, but if my balance was already reduced by both of those amounts, I should not have been charged fees on those transactions. 

I would ask that both of the fees be reversed. It is unfair for banks to say they are " holding the funds '' and waiting on the vendor when the balance on the account was show that the funds have already been taken out of the account and sent to the vedor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
I was in the hospital late last year due to a rare XXXX. All of the $ XXXX I was billed went to my health insurance and was paid, subject to co-pays. No issues there. In XXXX of this year, I attempted to refinance my mortgage and discovered 4 collection items on my account. This did not allow me to refinance my mortgage at the time of the low rates and cost me about {$70000.00} long-term. 

I was able to contact the collections company with info obtained by my mortgage broker. They advised these were bills from when I was in the hospital. They advised that these had already been submitted to my insurance company. I advised that was impossible, as I wasn't even aware of these bills. They later agreed. 

The collections company agreed to submit to my health insurance. Two weeks later, they have still not done so. The collection company would not give me information for this company that supposedly billed me and sent me to collections, so I had to dig online. 

After a couple weeks, I found this company " XXXX XXXX ''. I called them earlier this week and they advised that they had sent me one letter ( while I was still in hospital ) and texted my phone ( not even sure what phone I had when I was in hospital ). During the call, I gave them my health insurance info, and they advised they would send to my insurance company and notify the collections company to remove the accounts. Today, I called back to ensure this was happening, and, unsurprisingly, it was not. They had not yet contacted my health insurance company or the collections company, and instead had false notes regarding my interactions with them. They said I left a voicemail, but they tried to call me back and couldn't reach me. All of that is untrue. I had voice-to-voice contact with them just two days earlier! 

My issue with them is still not resolved, and at this point, I literally can not get either the collections company or this company to get this properly submitted to my insurance and remove my collection accounts. I work in the insurance arena, though not health insurance. Frankly, it boggles my mind that these types of companies are allowed to operate. Had I not had several friends as lawyers and financial advisers, I never would have even been able to find this company. They didn't bill me, sent me to collections, hid, and cost me {$70000.00} of potential savings on my mortgage. It's almost surreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/XXXX co-signed loan on car with daughter. Vehicle was financed through KIA Finance USA for a total finance of {$28000.00}. In XX/XX/XXXX, while parked, in driveway the vehicle was totaled by XXXX the insurance company that I had insurance on through at the time. Before the vehicle was totaled, there were a total of nineteen ( 19 ) payments made. Seventeen ( 17 ) payments at {$550.00} a month totaling {$9300.00}. OnXXXX ( 1 ) payment made for {$550.00} and one payment made for {$560.00}. This was what was quoted to me on XX/XX/XXXX by a worker at the customer information center at KIA motors finance USA. I did not write down her name. I also asked that same customer service rep at KIA motors finance how much did XXXX pay when the car was totaled? She answered {$14000.00}. I asked how much did the GAP insurance pay? She answered : {$6700.00}. KIA motors finance also received refund of extended warranty of {$610.00}. That comes to a total of {$32000.00}. The total amount financed according to the copy of the contract that I have says {$28000.00}. Subtracting total payments made, insurance payoff, GAP insurance payoff and the refund of the remaining warranty shows a difference of {$3700.00} positive or extra monies that KIA motors finance received. KIA Motors finance USA is still showing I owe {$1300.00} on my credit reports. I say KIA Motors Finance USA owes me the overpayment of {$3700.00}. KIA Motors Finance USA has sent to several collection agencies for the amount of {$1300.00} and it needs to be removed from my credit reports because it is showing as negative credit on my credit reports. The KIA MOTORS FINANCE ACCT IS : XXXX. The contract date was : XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX now known as KIA of XXXX XXXX , Florida .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I've talked with these companys several times over the past 20 years and becouse I am a full time RVer I travel alot and these companys just dont understand this and now I am having issues trying to get my veterin services through va becouse apperently these conpanys say I dont exist well I do exist just becouse I've never had credit or I move around alot dont mean I'm not alive I am a person that likes to travel and becouse of this I'm discriminated against by these companys this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: MA

Complaint narrative:
I am writing to dispute U S DEPT OF EDXXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.

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 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to dispute U S DEPT OF EDXXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 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: NV

Complaint narrative:
these accounts have shown deleted and should be removed from my account

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 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, Chase closed a checking account that I opened through their website a week or 2 earlier. I deposited {$410.00} in the account, and then I received a letter in the mail on XX/XX/XXXX, that Chase had decided to close my account. I have tried ever since that time to receive the {$410.00} that was in my account upon closing. Chase refuses to rush a check to me but instead states that I must open up an account to transfer the money into. But I was just denied the ability to hold an account with this bank. Otherwise, I will need to wait til XXXX XXXX, XXXX to hopefully receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: CO

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX   has removed this line item from my credit report but Equifax and XXXX   have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AK

Complaint narrative:
MY COMPLAINT, New Residential Mortgage LLC LoanCare , LLC Acc #  XXXX Recently XXXX sold my XXXX mortgages for XXXX different properties to XXXX   XXXX although I get XXXX different statements, XXXX says XXXX XXXX and the other says XXXX XXXX. The first issue I had, which didnt appear for a couple of months, due to the transition, I noticed they added fees when I paid online and after the first of the month. I pay with my Social Security check which I get on the XXXX Wednesday of each month. I called and questioned the fees and mentioned that I had until the XXXX to pay, they informed me that if I didnt pay it on the first they could add fees. I also questioned why they raised my payment from {$1500.00} to {$1600.00} and she was rather vague but indicated it had to do with the escrow. On the other mortgage, XXXX, the payment remained the same but they added the fees for making my payment either online or by phone after the first, and I never had any of these fees with XXXX as long as I paid by the XXXX. I questioned how they could make these changes just because they purchased the loan from XXXX. The individual I was speaking to indicated they could do whatever they wanted to if I did not pay on the first. Just recently I received a letter that includes the annual escrow disclosure statement and it came from XXXX XXXX dated XX/XX/2019. It stated that there was an escrow shortage in the amount of {$5900.00} and it indicates that my current mortgage payment of {$1600.00} is going to be raised to {$2100.00} effective XX/XX/2019. They state the mortgage is owned by XXXX XXXX XXXX XXXX XXXX and service by XXXX XXXX XXXX. XXXX had previously increased my payment from {$1300.00} to {$1700.00} but then dropped it to {$1600.00} and then down to {$1500.00} which is what I was paying when XXXX XXXX took over my mortgage.

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 2019-08-23 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: AL

Complaint narrative:
I sent in a dispute 5 years ago on XXXX credit card service. It had been removed off all credit reports. They will change my name off by one letter or change address to have Experian have it reappear on my credit report  .Experian XXXX having XXXX reappear on my credit report. I have sent in my police report, revoked any power attorney, never gave consent for XXXX to use my name or to put anything on my credit report. I want Experian to remove XXXX off my credit report and block them.

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 2019-08-23 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: CO

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 9 and XXXX of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX   has removed this line item from my credit report but XXXX and Transunion have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to 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 2019-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
I need your assistance with the following. Thanking you in advance for your help. 

Complaint # 1 On Monday, XX/XX/XXXX, the law office of XXXX and XXXX in XXXX XXXX NC ( XXXX ), served me with a Civil Summons concerning a debt. I called the office and spoke with a XXXX XXXX about the Summons and he informed me that they were representing a company called XXXX XXXX XXXX Fresh Forward Flow for a back debt. I asked him what the debt was and he informed me that he did not know. He told me if I did not pay the debt, the company that they were representing could take property from me. I asked him to send me information concerning the debt. In the meantime, the following information was listed in the Civil Summons. 

The debt ( whatever it is ) is as follows : {$3000.00} Principal Interest 23.9 % from XX/XX/XXXX ( {$4000.00} ) Attorney Fees - {$460.00} Total= {$7700.00} I received a letter on XX/XX/XXXX concerning the request for an explanation of the debt and the letter contained the same information that was contained in the Civil Summons above. I wrote a letter to the Law Firm on XX/XX/XXXX requesting the following information : The Original Creditor What the debt was Age of the debt Address and phone number for XXXX XXXX XXXX and XXXX Fresh Forward Flow. 

A copy of the letter to the Law Firm was filed with the XXXX XXXX XXXX of Courts Office in XXXX XXXX NC. 

I will update when I hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: GA

Complaint narrative:
I have tried on several occasions to have a dispute submitted in regards to being a victim of Identity theft. However, Transunion has constantly been non responsive to my efforts which is a direct violation of the fair credit reporting act, sect. 605b. I have been gravely displaced by this non action.

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 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, Equifax and XXXX  have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Williams & Fudge, Inc
State: NY

Complaint narrative:
I am TOTALLY and PERMANENTLY XXXX. SINCE 2016 XXXX has been trying to obtain Perkins Loan details from XXXX XXXX XXXX ( XXXX ) in order to write-off {$2400.00} from XXXX University. XXXX refuses to send the write-off info. I am receiving COLLECTION CALLS and EMAIL from XXXX and XXXX XXXX which is a collection agency connected with XXXX and XXXX. I need your assistance to get XXXX ( XXXX ) to email the necessary info to : XXXX XXXX

Company response to consumer: Closed with explanation