vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Dealership did financing through Chase -There are no chase branches in my area I am trying to payoff loan and they will not let me on the phone. Tell me I need to go to branch. The are trying to extort interest charges.

Company response to consumer: Closed with monetary relief
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 information incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The balance of the account was sold to another creditor, and subsequently paid. The issuing lending/credit card issuer agreed to update payment status to " paid '' once notified account is satisfied. No updates have been made from Synchrony to the 3 credit bureaus. The lender 's note on my credit file is misleading because it gives the impression that the account still has an active balance owed.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX I had a dispute with my former employer regarding an overpayment of wages. I had been injured on the job, however my employer denied my worker 's compensation claim. The injury occurred in XX/XX/XXXX and I was using my sick time. When all of my sick time was exhausted my supervisor reported my time incorrectly and I was overpaid {$3200.00}. I emailed my Payroll department to make payments arrangements however I did not receive a response. In XX/XX/XXXX I decided to retire and I thought payment would be taken out of my pension check ... however that did not happen. Instead my account was turned over to a collection agency ... 
( XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX - ( XXXX ) XXXX X XXXX ) When I spoke with collections agency ... the representative stated if I paid the whole account off, it would not be reflected on my credit report. I checked my credit report and I see that this account will not be removed from my credit report until XX/XX/XXXX. I have called numerous time however the only information I have received from XXXX   is my account # XXXX. Therefore your attention to this matter will be appreciated.

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
We have had our vehicle loan for a XXXX XXXX ( XXXX ) for 8 years now. We agreed to a 7 year loan, but had four deferments that we took out, extending the loan for another year. We agreed to that too. When that year came to an end, we received a letter stating we still owed {$5000.00} plus taxes on it, making that over {$6000.00}. They told us they could refinance that, or repossess the car. We had no clue this was going on and thought we would be receiving the title in the mail. We had a very quick choice to make as they were sending the repossession guy the next day, so we chose to agree to the refinance loan for {$6000.00} and pay {$180.00} a month until it was paid off. But we never signed the contract as as soon as we agreed to do it, they began scheduling double or even triple payments and taking it out of our bank account without authorization. We struggled with this the entire 8 years of having the loan with them as well. This was nothing new. The most recent example of that is that we received a letter from them on XX/XX/XXXX stating we had authorized {$360.00} to come out of our account on XX/XX/XXXX. We called immediately and told them to not take it out, we had NEVER authorized it. They stated it would be fixed and that the previous agent must've made a mistake. The payment tried to come out of a bank account we don't even use anymore, so now we got a bounced check fee. 

We have spoken to Navy Federal Credit Union loan officers, including people in the corporate office, and were assured over and over again that this would be taken care of and wouldn't happen again. In fact, the last agent we spoke with promised us that if we paid three more payments of {$180.00} we would be done with the loan and they would wipe out the rest of the balance, and send us the title. 

We can not keep having these unauthorized payments trying to come out of our bank account. We can not keep having promises made by them. This car is 10 years old and has had us paying on it for 8 years and 3 months now. We don't want to make one more single payment on it. We have asked for audits of every single payment made this entire time, but they refuse to send us that information. They are unwilling to be upfront and honest about this. 

If they refuse to wipe out the rest of the balance, send us the title free and clear and also a letter of apology from the CEO 's office, along with a letter to our banking institution saying we are not liable for the fees incurred for unauthorized transaction, we will be forced to sue them for damages beyond the bank fines, but also for emotional distress, time away from work, and for the amount of the loan in total.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The balance of the account was sold to another creditor, and subsequently paid. The issuing lending/credit card issuer agreed to update payment status to " paid '' once notified account is satisfied. No updates have been made from XXXX to the 3 credit bureaus. The lender 's note on my credit file is misleading because it gives the impression that the account still has an active balance owed.

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: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI

Complaint narrative:
I wil need to go back through my phone records for dates. If it comes to that I will. I recently moved XX/XX/XXXX. During my move I purchased a home and had trouble getting closing information from 5/3 bank that the title company said that they never have these problems. After I moved I switch my checking and savings account from 5/3 to  XXXX XXXX. I had to call them three times and numerous emails to close 2 savings accounts and one checking account. They charged me fees in the interim because of their incompetence which I paid to avoid credit issues I also stopped my credit card acoount with 5/3 bank after I had another fraudulent charge. They said they wanted to send me another card. I told them NOT TO SEND THE CARD! They did not send the card. The card has charged on it and I never received the card! I talked to their security department and their no coustomer service department for over 1 hour and got nowhere. I just received another threat to get payment for something I never purchased. I told them to send me an affidavit and they have not. HELP PLEASE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/2019 Bank of America stole over {$400.00} from me this time, after assisting a shop in stealing {$540.00} AND my laptop from me with no help from the CFPB because you allowed them to simply run out the clock responding -- so thank you for that. 

I was XXXX, XXXX, and XXXX XXXXXXXX at a XXXX XXXX hotel where I paid to vacation for a few days in XXXX, XXXX. 

It was an international incident with the U.S. Embassy in XXXX XXXX with access to all photos pertaining to evidence of this series of events so please contact them directly for confirmation because this is none of you XXXX business, and only describing the evidence during a call literally traumatized a bank employee who handled this properly at ANOTHER bank I work with. 

Simply refund my money, including fees accrued as a result of BoA 's theft, with stiff penalties for BoA attempting not to process a fraud claim properly on purpose AGAIN. This bank has stolen over {$1500.00} USD from me during the last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I have a collection account on my credit report and i never open this account I'm a victim of Identity Theft. Diversified Consultant XXXX XX/XX/2018 {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Debt Holdings, LLC
State: PA

Complaint narrative:
Hi, My situation did not really fit a few of the questions / topics to pick from so I just picked the topics as relevant as I was able to. 

I am in the process of cleaning up my credit and paying past debts / getting accounts out of the derogatory / collections status and I notice that there is a company abbreviated XXXX/XXXX. I do acknowledge that I owe the debt. This account was opened in XX/XX/XXXX and it was last reported in XX/XX/XXXX with an outstanding balance of {$630.00} ; the payment statuses are : XXXX - " charged off as bad debt, purchased by another lender '' / XXXX - " purchased by another lender, unpaid balance reported as a loss by credit grantor '' / XXXX - " account transferred or sold, charged off account. '' I called the company directly and they informed me that it has been sold to United Debt Holdings and provided me with their phone number. I reached out to United Debt Holdings several times looking for live person but got a voicemail instead promising that someone will reach out to me 24-48 hours. After making several more phone call attempts, I searched the internet for their website and other valuable information I can use to get in contact with them. After trying to get to their website with no avail, I checked the company out on the XXXX  ( XXXX XXXX XXXX ). Much to my surprise, I find out that they have went out of business, they're not accredited with the XXXX, they are numerous complaints similar to my situation and that United Debt Holdings have been giving people pretty much to same responses. There was a response from United Debt Holdings on XX/XX/XXXX that they are no longer in existence and all assets have been transferred to XXXX XXXX XXXX XXXX XXXX. I tried calling them but it's the same situation at United Debt Holdings. I'm devastated to experience all of this as a person that is trying to improve their credit / finances, etc. I want to be able to pay my debt without having to worry if it's a scam / negatively affecting my credit. 

If you're able to help shed light on this situation, I would greatly appreciate 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: 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: TN

Complaint narrative:
XX/XX/2018 I asked for verification of dispute and copies of the documents that was used to verify the account as per my request reinvestigation was done still failed to provide me the name of the person in the company who verified the accuracy of these accounts which is violation of federal law

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have contacted Experian Multiple times by mail and found asking them to lift my fraud alert of my accounts I was in the process of rebuilding my credit and I was just playing it safe as of now they will not remove anything from my account which is preventing me to get any type of services phone service says loans credit cards in my name Im a XXXX person Im doing my best they give me the runaround..Im totally frustrated I feel that they are taking a vantage of me like I said Im a XXXX person I dont remember everything Ive sent them documents IDs so security numbers all of that and they still will not remove the fraud alert on my account which actually prevented me today of getting XXXX XXXX XXXX cell phone service since they took my money but then canceled the service because they couldnt identify who I was

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or around XX/XX/2019, I mailed a letter to Experian requesting that they update my credit report to include my current address. I requested that Experian mail me a letter confirming processing of this request. I also asked Experian to mail me a letter if any further information and/or documentation was required. 

As of today, XX/XX/2019 I have not received a response from Experian. 

I am attaching a copy of the letter that I sent to Experian to my complaint.

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 2019-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CO

Complaint narrative:
Our home went into foreclosure so we sold it and paid off the remaining balance and were issued a {$1200.00} check from what was left over in our escrow account. We deposited the check and 2 weeks later the lender issued a stop payment. We called and were told it was due to us and they would issue a new check. We never received the 2nd check. We called again and were told they would look into it and call us back, no one called. We call again and are told the check would be cut and we would receive it in a week, still no check and no call as to why. We paid our loan off in XX/XX/XXXX and it is now XX/XX/XXXX and still no check.

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 paid
Company: TekCollect Inc.
State: UT

Complaint narrative:
About mid-XXXX a door to door salesman came and offered bug-spraying services for out home. He said he would get us a great rate at {$10.00} for the first service and {$25.00} per service for the rest of the year. We agreed and got a charge for {$10.00} to start on XX/XX/2018. Then, a month later on XX/XX/2018 I got a charge for {$89.00}. Since this was well over the {$25.00} promised amount, I immediately disputed the amount above {$25.00} with my credit card company. That dispute was lost and I had to pay, so we refused further payments and services. Now we are getting a bill for {$200.00} which seems exorbitant to me, and very different from the product we purchased. We had 3 total services, so our total paid should have been {$10.00} + {$25.00} + {$25.00} for a total of {$60.00}. I'm not sure where the {$200.00} bill came from, as per our understanding we have paid over the agreed amount already for services received.

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/XXXX I applied for a loan modification, during that time my contact person changed several times. Each new person would ask for the same inform that was previously sent. XX/XX/XXXX our home was damaged from a tornado so I called again requesting assistance with a loan modification. Once again I was told to sent in documents ; all of the needed documents were sent in. I once again could not get anyone on the phone because my contact person no longer is in that department. XX/XX/XXXX I spoke with a supervisor who stated he would make sure my information get to the under writing department. All documents were submitted. XX/XX/XXXX I was informed the modification was denied because they could not verify my income, but they have bank statements as well as pay stubs. The person could not tell me what the issue was because all documents have been received and he stated I needed to file an appeal.if I wanted more information on the denial. It is unfair to give me the run around for 3 years to deny the application based on a bogus reason.

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: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently requested a monitoring service and noticed several accounts I did not open. 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. 
My husband is upset with me thinking I opened these accounts and messing up my name thus his name. He is threatening to leave me if I don't get this off my name. Please help.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently requested a monitoring service and noticed several accounts I did not open. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX Bank, 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. 
My husband is upset with me thinking I opened these accounts and messing up my name thus his name. He is threatening to leave me if I don't get this off my name. 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 non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was reported to credit bureaus for missing 1 mortgage payment since I opened the account in XXXX. I called PNC mortgage on XX/XX/XXXX and explained that I attempted to make the payment on time in XX/XX/XXXX and there was an error in the routing number. They agreed to rescind the late fee of {$75.00}. I made the mortgage payment on XX/XX/XXXX for the current and past due amounts before the late fee accrual date on XXXX of the month. PNC reported my account as being 30 days past due on XX/XX/XXXX.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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